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Post by shedhed on Feb 8, 2014 18:45:35 GMT
I've just booked some fishing where I received beat regulations stating that I should have appropriate Indemnity insurance for damage I might incur!? Is there specific insurance or do I need to talk to my travel insurance???
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Post by devronmac on Feb 8, 2014 18:52:41 GMT
If you have a house buildings/ contents policy you should have automatic public liability insurance which should be adequate cover for liability to third parties. If you don't have insurance of this kind you can get it by being a member of the Salmon & Trout Association or Scottish Anglers National Association which both provide automatic liability cover for members.
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Post by shedhed on Feb 8, 2014 19:06:33 GMT
Thanks useful to know, will check.
"third parties" how about property?
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Post by devronmac on Feb 8, 2014 19:37:22 GMT
Check your own policy. Liability cover under a household policy usually covers damage to third party 'property' as well as 'injury' to third parties.
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dunkeld
Active Member
Tay Springer April 2010
Posts: 2,946
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Post by dunkeld on Feb 8, 2014 20:31:16 GMT
I've just booked some fishing where I received beat regulations stating that I should have appropriate Indemnity insurance for damage I might incur!? Is there specific insurance or do I need to talk to my travel insurance??? What damage are you likely to do on a days fishing ? After nearly 50 years of fishing can't ever recall needing additional insurance. Apart from life insurance et al of course!
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Post by strathglass on Feb 8, 2014 23:27:49 GMT
What damage are you likely to do on a days fishing ? Now if you were Grued/Flooded off and the hut fire was roaring and the malt flowing then damage could well be high on the agenda!
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salmo
Advisory Board
Posts: 1,814
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Post by salmo on Feb 9, 2014 0:35:05 GMT
Check your own policy. Liability cover under a household policy usually covers damage to third party 'property' as well as 'injury' to third parties. I think this just covers liability to 3rd parties on your property. I use an annual travel policy for family multiple trips and it covers winters sports. It also has liability insurance for £2,000,000. Although as Kenny says it is hard to imagine how you can hurt 3rd parties with a spey cast...an overhead cast with spectators behind or fellow fishers in the boat might be another matter...
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Post by kerrychalmers on Feb 9, 2014 0:39:37 GMT
This is bad!!! C,mon guys lets talk fishin?
Kerry Chalmers.
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Post by shedhed on Feb 9, 2014 8:43:20 GMT
This is bad!!! C,mon guys lets talk fishin? Kerry Chalmers. NO Fair!!! We Sassanachs have to endure months of our north of the border cousins reporting back from their big fancy rivers catching copious amounts of big fancy fish, before we even get our feet wet. So before we go completely stir crazy, talking about booking fishing is as close as we get this time of year. So bear with.. Plus I don't want to travel 500miles to be turned away on the off chance as I haven't got the right insurance, signed by my underwriters,,,in triplicate!!
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Post by devronmac on Feb 9, 2014 11:22:04 GMT
If you have no liability insurance, and you do inadvertent damage to a passer by whilst fishing and they sue you, you are on a hiding to nothing. The likelihood may be small but the consequences of not having cover are not something you want to consider.We live in an age of litigation. As one who introduces young people into angling I am probably more aware of the need than most on this form of insurance. For a very modest premium, less than the cost of a day's fishing,£30 in the case of the cost of membership of S&TA you can be covered and have piece of mind that, if anything should go wrong, you wont lose all your assets or even your home ! Think on it. It is really important. Kenny we take out life insurance in the unlikely event that we die. Liability insurance is just as important and Kerry, this is about fishing, and all anglers should have personal liability cover.
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