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[JamesV6CDX]

james
what insurance company did you goto to get insurance for not knowing what you are doing

if you tell an insurance company that you only know little bits about cars they will look at you as a high risk and see that you could be putting in loads of claims

they will either tell you to bog off and get qualifications or they will wack the insurance cost so high you will never make any money at all

I am happy to show my insurance certificate to anyone who wants to see it.

In fairness Nick I investigated this, and I can therefore talk from facts rather than hearsay or speculation.

[tmx]

I think its excellent that James has gone to the trouble to insure himself!

if someone changed your timing belt and fitted it fine and then the tensioner went youd be left with 2k repair bill for a V6! thats why insurance is needed to Cover this risk even if you fit genuine vx bits i doubt vx would hold there warrenty up as theyd sim[ply say it was fitted wrong and stick to there guns! if you went to a stealer and had it fitted they would pay up as they fitted it so its there responsibility

Public liability insurance is cheaper than you think! ive got it for my ltd company as i work to an agency as a ltd company i use Zurich

[JamesV6CDX]

even if your not charging anything at all
and just helping a friend out
it still goes back to that member a / member b thing

so if you do a job for nothing or £1000 insurance is needed

Well in that case Nick I will refrain from helping any member out

What kind of society have we come to when we cannot help someone else out without fearing litigation??!!.  

On this forum so often many members talk of the ills of our health & safety and litigation orientated society, but now I find a massive element supporting such crap!!

I am amazed and disappointed.

its not insurance lizze its trust
if i wanted some work doing and you could do the work i would gladly sort you out with some beer tokens/cash as i would trust you to do the work

Maybe Nick that is THE key to all this, so if you get another members help doesn't it mean that you trust them?

Whatever the pro's and con's to all this, and believe me I can see both sides of the argument no matter how distasteful to me one side is, how about if something like the following disclaimer, taken from the Forum Guidelines Section, was applied, but of course using different words?:
 
"READ BEFORE FOLLOWING ANY GUIDES
21. Sep 2006 at 10:37  
Obviously safety is paramount. These guides are all written by members who have done the jobs themselves, none of whom are professional technical authors. Therfore, they are to be read on the merit of items that will assist you rather than a precise 'follow this to the letter' type guide.

Whilst every care is taken to ensure the accuracy of these guides, you should satisfy yourself that they are applicable to your vehicle, you have the necessary skills to carry out the task and that you follow the usual safety procedures associated with working on any car. That is, you secure the vehicle using brakes, chocks and wedges where necessary and that you NEVER work on an car supported only by jacks. Always use axle stands positioned appropriately.

If you have any doubts regarding safety, ask BEFORE you attempt any job on your vehicle.

None of these guides are endorsed by the owners or administrators of this forum. You follow any of these guides at your own risk."

 :-? :-? :-?

Trust won't come into things if a claim was brought through the courts.

I agree my examples are both extreme and unlikely - however you should still be covered, if you work on cars for money.

[Omega man 2]

Common scence sould tell you that anyone getting work done on their car is 100% happy with the job and the person doing the work before handing over any money to avoid any complicated situations :-/

[nick v6]

james
what insurance company did you goto to get insurance for not knowing what you are doing

if you tell an insurance company that you only know little bits about cars they will look at you as a high risk and see that you could be putting in loads of claims

they will either tell you to bog off and get qualifications or they will wack the insurance cost so high you will never make any money at all

I am happy to show my insurance certificate to anyone who wants to see it.

In fairness Nick I investigated this, and I can therefore talk from facts rather than hearsay or speculation.

i'm not saying that you have not got insurance
just looking at it as you telling a insurance company you got no qualifications etc


when i used to do disco's i had public liability insurance
i know a lot of dj's that have no insurance at all
i have seen a few dj's get sued for a person getting drunk and knocking over a speaker stand
which is not the dj's fault at all
i blame this no win no fee crap

[RobseyMV6]

Fair play to James but for the likes of me and others to offer a hand on job's maybe four times a year i wouldn't take it out. if it's all you do and lifes on the line, than you know you need to cover your self, if you do it day in day out...

[Lizzie_Zoom]

james
what insurance company did you goto to get insurance for not knowing what you are doing

if you tell an insurance company that you only know little bits about cars they will look at you as a high risk and see that you could be putting in loads of claims

they will either tell you to bog off and get qualifications or they will wack the insurance cost so high you will never make any money at all

I am happy to show my insurance certificate to anyone who wants to see it.

In fairness Nick I investigated this, and I can therefore talk from facts rather than hearsay or speculation.

i'm not saying that you have not got insurance
just looking at it as you telling a insurance company you got no qualifications etc

Exactly Nick, that was my question earlier:

"So you believe an insurance company would be willing to insure an amateur mechanic for his work without any supporting evidence of his training and accreditation?  How much does that cost if they did offer insurance for that situation?

[crazyjoetavola]

even if your not charging anything at all
and just helping a friend out
it still goes back to that member a / member b thing

so if you do a job for nothing or £1000 insurance is needed

Well in that case Nick I will refrain from helping any member out

What kind of society have we come to when we cannot help someone else out without fearing litigation??!!.  

On this forum so often many members talk of the ills of our health & safety and litigation orientated society, but now I find a massive element supporting such crap!!

I am amazed and disappointed.

its not insurance lizze its trust
if i wanted some work doing and you could do the work i would gladly sort you out with some beer tokens/cash as i would trust you to do the work

Maybe Nick that is THE key to all this, so if you get another members help doesn't it mean that you trust them?

Whatever the pro's and con's to all this, and believe me I can see both sides of the argument no matter how distasteful to me one side is, how about if something like the following disclaimer, taken from the Forum Guidelines Section, was applied, but of course using different words?:
 
"READ BEFORE FOLLOWING ANY GUIDES
21. Sep 2006 at 10:37  
Obviously safety is paramount. These guides are all written by members who have done the jobs themselves, none of whom are professional technical authors. Therfore, they are to be read on the merit of items that will assist you rather than a precise 'follow this to the letter' type guide.

Whilst every care is taken to ensure the accuracy of these guides, you should satisfy yourself that they are applicable to your vehicle, you have the necessary skills to carry out the task and that you follow the usual safety procedures associated with working on any car. That is, you secure the vehicle using brakes, chocks and wedges where necessary and that you NEVER work on an car supported only by jacks. Always use axle stands positioned appropriately.

If you have any doubts regarding safety, ask BEFORE you attempt any job on your vehicle.

None of these guides are endorsed by the owners or administrators of this forum. You follow any of these guides at your own risk."

 :-? :-? :-?

Trust without honour can be a very delicate thing Mz Zoom  It's only when something dire happens will those of us with true honour stand by those we trusted

[Ken T]

To some extent, helping get a car through its MOT is good because the Test checks the work to some extent. If you change a brake pipe, and its cross threaded or not done up tight enough, or not bled properly, the tester will spot it. Admittedly he won't see things like the front calipers, but he should feel if they are loose.

As for doing work you can't really handle, well...... If you never try you will never learn anything. I think its also about recognising when you have reached your limit and its time to call in experts. I helped my son in law change some brake pipes on his car, but we got to a state where no matter how often we bled them, the brakes still didn't feel right. I therefore stopped and said get it done by a garage, and persuaded him not to use the car until it was fixed.

I do feel its a shame we are moving into the "where's there's blame there's a claim" attitude. It kind of stops us helping people who need it.

Ken

[STMO123]

I am a crap mechanic, but I would gladly 'fix' the brakes on certain members cars.

[nick v6]

I am a crap mechanic, but I would gladly 'fix' the brakes on certain members cars.

is that fix as in fixed
or fix as in "there its done GOOD LUCK ON THE STEP DOWN HILL PART AROUND THE CORNER"

[STMO123]

I am a crap mechanic, but I would gladly 'fix' the brakes on certain members cars.

is that fix as in fixed
or fix as in "there its done GOOD LUCK ON THE STEP DOWN HILL PART AROUND THE CORNER"

I think you catch my drift.

[nick v6]

I am a crap mechanic, but I would gladly 'fix' the brakes on certain members cars.

is that fix as in fixed
or fix as in "there its done GOOD LUCK ON THE STEP DOWN HILL PART AROUND THE CORNER"

I think you catch my drift.

i'm starting to get used to your replys on threads now

[Lazydocker]

I am a crap mechanic, but I would gladly 'fix' the brakes on certain members cars.

As we're all aware of... I wouldn't let you work on a push bike

Now the wife's car...................

Incidentally, I won't even let a garage work on my brakes!   The only person I trust is myself... But then I used to earn my living with spanners and have seen the shoddy workmanship of some "Professionals" first hand!

[Grumpy]

even if your not charging anything at all
and just helping a friend out
it still goes back to that member a / member b thing

so if you do a job for nothing or £1000 insurance is needed

Well in that case Nick I will refrain from helping any member out

What kind of society have we come to when we cannot help someone else out without fearing litigation??!!.  

On this forum so often many members talk of the ills of our health & safety and litigation orientated society, but now I find a massive element supporting such crap!!

I am amazed and disappointed.

Hi Lizzie, it's not that we 'support such crap' as you so eloquently
put it   , it's just that we recognise the reality of the world we
live in and adapt to it. We would love to live in a world where you
can help each other out without fear... but we don't.  

As to insurance with regard to payment or not, I don't think that
that would matter a fig to an injury claims lawyer. If it was thought
that someone had died or got injured as a direct result of any
actions taken by you then they would come for you with all guns
blazing. Whether you had to sell your house to pay for the claim
or claimed from an insurance policy would be of no concern to them.

But we do agree with your sentiments.