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Quote: Originally posted by The 2 Tops on 09/4/2012

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On the subject of not having at least T.P. cover on a van, is it morally right, in the event of an uninsured van causing damage to another on site (e.g., fire), for the owner of such damaged van to have to claim on his/her insurance and lose their NCB through no fault of their own?

Or are we to consider this indifference as being 'proper' under the general heading of "blow you Jack" as seems the norm throughout modern society?  When we started camping, fellow beings were more thoughtful towards others.

Bertie.

I am not confusing anything, Tentz.  If you own a property, even if it's a caravan, and it caused damage to an adjacent one on a campsite, you would without question be liable at law.  The fire brigades are very proficient at determining causes of fire, so proof of how it started would be of no difficulty to them.  I cannot imagine how you arrive at the idea that you can claim indemnity in the event of your property causing damage/injury to a third party. 

Regarding caravans under tow, yes they are covered for T.P.risks, but they are also subject to the Construction and Use Act for road vehicles; lights, tyres, mechanical maintenance for road worthiness, etc.  You can get fines and/or points on your licence relating to the caravan, even if your towcar is in perfect condition.

Concerning the detached situation, I will obtain a professional, definitive answer after the hols. and report back, since this is a point of law that should be of interest to all of us.

Regards, Bertie. 

Quote: Originally posted by The 2 Tops on 09/4/2012

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If you own a property, even if it's a caravan, and it caused damage to an adjacent one on a campsite, you would without question be liable at law.

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Tentz, let's agree to differ for now.  We both think we are right, but there is a way to settle it; by asking in the right places.   So I am throwing down the gauntlet - let's get the true facts and see who is right.  Agreed?

Bertie. 

 2 words only on this subject !!!

 public liability !!!!!

Quote: Originally posted by matty2303 on 09/4/2012

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has anyone considered that if you read the small print most campsites require you to have third party liabilty insurance to be on the site

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