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Risk for storage

Question... Client is an owner/operator of a vehicle recovery and tow business. He never tows on a hook. All carriages are on a flat deck truck or trailer. The vehicle is winched on to the flat-deck or trailer for the purpose of ...

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Uninsured driver

Question... A claim has been lodged, accepted and paid for by the insurer. An uninsured third party reversed into the customer's parked vehicle. The uninsured driver was identified. The insurer has established liability ...

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Risk transfer

Question... We have a client who ships goods overseas on CIF terms, and therefore has to arrange insurance to cover the goods including when risk transfers to the purchaser. They have suffered a loss which appears to have oc...

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Exclusion limits

Question... A client was commissioned to build a steel frame on which to place a silo. Several months after it was built, the silo was filled up and the frame collapsed. It has since been found that the failure was due to...

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Wear and tear

Question... My client has a motor vehicle accident whilst towing a trailer where he lost control and spun off the road. The insurer accepted the claim but disputes some of the damage advising it is general wear and tear (this...

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Run-off cover

Question... I am having discussions with an insurer at the moment regarding run-off cover for public liability (PL) insurance. Not for the first time, I have been advised that run-off cover is not required for PL insurance as it...

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