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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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Public Liability Insurance for working on our ex-council house
Hi all - we are replacing the kitchen in our house ourselves. My wife has been
doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It's pretty much just new for old in the same layout. The house is ex-council which means it's still council freehold/our leasehold. I spoke to them about the work and they said we need Public Liability Insurance. I've had a look around but it all seems to be for businesses/self-employed. Is there a way to get this insurance as a private individual? Full council text - I spoke to the council about it and they seem happy for us to do the work as long as we have the paperwork: Although you are replacing you kitchen like for like, the Council have a duty to oversee any alteration, structural or non structural, to ensure the work is carried out to a satisfactory standard. The Council are responsible for safeguarding the building to ensure the safety of all residents. Therefore, in order for me to consider your request further, please provide the following: A specification of the proposed works including the material, design and details of the contractor you propose to carry out this work A method statement setting out how the contractors propose to carry out the works (i.e. times of work/ access requirements/ disposal of rubbish, etc.) A copy of the builders Public Liability Insurance (min. £5,000,000) Thanks in advance -- posted from http://www.homeownershub.com/uk-diy/...u-1125290-.htm using HomeOwnersHub's Web, Mobile and Social Media Interface to uk.d-i-y and other home improvement groups |
#2
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Public Liability Insurance for working on our ex-council house
In article .com,
Simon Reveley writes Hi all - we are replacing the kitchen in our house ourselves. My wife has been doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It's pretty much just new for old in the same layout. The house is ex-council which means it's still council freehold/our leasehold. I spoke to them about the work and they said we need Public Liability Insurance. I've had a look around but it all seems to be for businesses/self-employed. Is there a way to get this insurance as a private individual? Full council text - I spoke to the council about it and they seem happy for us to do the work as long as we have the paperwork: Although you are replacing you kitchen like for like, the Council have a duty to oversee any alteration, structural or non structural, to ensure the work is carried out to a satisfactory standard. The Council are responsible for safeguarding the building to ensure the safety of all residents. Therefore, in order for me to consider your request further, please provide the following: A specification of the proposed works including the material, design and details of the contractor you propose to carry out this work A method statement setting out how the contractors propose to carry out the works (i.e. times of work/ access requirements/ disposal of rubbish, etc.) A copy of the builders Public Liability Insurance (min. £5,000,000) Thanks in advance It is the builders PLI they are asking for not yours, so ask him for a copy. You will be provided with PLI under your household insurance. -- bert |
#3
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Public Liability Insurance for working on our ex-council house
On Tuesday, 26 April 2016 22:00:36 UTC+2, bert wrote:
In article .com, Simon Reveley writes My wife has been doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It is the builders PLI they are asking for not yours, so ask him for a copy. What builder? That's the point; they don't have a builder. You will be provided with PLI under your household insurance. The OP could try sending in the household insurance, and see if the council is happy with that. To the OP: You say you are pretty much doing "like for like". The council has said they don't care in that case. |
#4
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Public Liability Insurance for working on our ex-council house
On 26/04/2016 18:44, Simon Reveley wrote:
Hi all - we are replacing the kitchen in our house ourselves. My wife has been doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It's pretty much just new for old in the same layout. The house is ex-council which means it's still council freehold/our leasehold. I spoke to them about the work and they said we need Public Liability Insurance. I've had a look around but it all seems to be for businesses/self-employed. Is there a way to get this insurance as a private individual? Full council text - I spoke to the council about it and they seem happy for us to do the work as long as we have the paperwork: Although you are replacing you kitchen like for like, the Council have a duty to oversee any alteration, structural or non structural, to ensure the work is carried out to a satisfactory standard. The Council are responsible for safeguarding the building to ensure the safety of all residents. Therefore, in order for me to consider your request further, please provide the following: A specification of the proposed works including the material, design and details of the contractor you propose to carry out this work A method statement setting out how the contractors propose to carry out the works (i.e. times of work/ access requirements/ disposal of rubbish, etc.) A copy of the builders Public Liability Insurance (min. £5,000,000) Thanks in advance The mistake was telling the bloody council in the first place. -- Dave - The Medway Handyman |
#5
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Public Liability Insurance for working on our ex-council house
replying to bert, Simon Reveley wrote:
That's just the point - there is no builder, just us. -- posted from http://www.homeownershub.com/uk-diy/...u-1125290-.htm |
#6
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Public Liability Insurance for working on our ex-council house
replying to Martin Bonner, Simon Reveley wrote:
Sadly it's the council who has the home insurance - we only have our own contents insurance, because the council is the freeholder of the block. As part of our contents insurance we have "personal liability and your liability as occupier of your home" but I assume that's different? -- posted from http://www.homeownershub.com/uk-diy/...u-1125290-.htm |
#7
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Public Liability Insurance for working on our ex-council house
On 4/26/2016 10:44 PM, Simon Reveley wrote:
replying to bert, Simon Reveley wrote: That's just the point - there is no builder, just us. But there *is* an electrician, which is probably what Bert meant to say. |
#8
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Public Liability Insurance for working on our ex-council house
On 4/26/2016 10:43 PM, David Lang wrote:
On 26/04/2016 18:44, Simon Reveley wrote: The mistake was telling the bloody council in the first place. I rather tend to agree! |
#9
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Public Liability Insurance for working on our ex-council house
On 26/04/2016 23:03, newshound wrote:
On 4/26/2016 10:43 PM, David Lang wrote: On 26/04/2016 18:44, Simon Reveley wrote: The mistake was telling the bloody council in the first place. I rather tend to agree! Indeed. However given the starting point now, a quick chat with an insurance broker would probably sort something out. PLI is pretty cheap. -- Cheers, John. /================================================== ===============\ | Internode Ltd - http://www.internode.co.uk | |-----------------------------------------------------------------| | John Rumm - john(at)internode(dot)co(dot)uk | \================================================= ================/ |
#10
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Public Liability Insurance for working on our ex-council house
On Tuesday, April 26, 2016 at 6:44:03 PM UTC+1, Simon Reveley wrote:
Hi all - we are replacing the kitchen in our house ourselves. My wife has been doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It's pretty much just new for old in the same layout. The house is ex-council which means it's still council freehold/our leasehold. I spoke to them about the work and they said we need Public Liability Insurance. I've had a look around but it all seems to be for businesses/self-employed. Is there a way to get this insurance as a private individual? Full council text - I spoke to the council about it and they seem happy for us to do the work as long as we have the paperwork: Although you are replacing you kitchen like for like, the Council have a duty to oversee any alteration, structural or non structural, to ensure the work is carried out to a satisfactory standard. The Council are responsible for safeguarding the building to ensure the safety of all residents. Therefore, in order for me to consider your request further, please provide the following: A specification of the proposed works including the material, design and details of the contractor you propose to carry out this work A method statement setting out how the contractors propose to carry out the works (i.e. times of work/ access requirements/ disposal of rubbish, etc.) A copy of the builders Public Liability Insurance (min. £5,000,000) Thanks in advance -- posted from http://www.homeownershub.com/uk-diy/...u-1125290-.htm using HomeOwnersHub's Web, Mobile and Social Media Interface to uk.d-i-y and other home improvement groups Your first mistake was telling the council. |
#11
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Public Liability Insurance for working on our ex-council house
On 26/04/2016 22:44, Simon Reveley wrote:
replying to Martin Bonner, Simon Reveley wrote: Sadly it's the council who has the home insurance - we only have our own contents insurance, because the council is the freeholder of the block. As part of our contents insurance we have "personal liability and your liability as occupier of your home" but I assume that's different? I'm not at all sure that it is different. Give a copy to the council bod and let him work it out. However, the chances are that it is limited to less than £5m. |
#13
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Public Liability Insurance for working on our ex-council house
On Wednesday, 27 April 2016 13:33:20 UTC+2, Brian Gaff wrote:
Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. As said up-thread, the buildings insurance would usually cover any liability to the postman. |
#14
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Public Liability Insurance for working on our ex-council house
On 27/04/2016 00:21, John Rumm wrote:
On 26/04/2016 23:03, newshound wrote: On 4/26/2016 10:43 PM, David Lang wrote: On 26/04/2016 18:44, Simon Reveley wrote: The mistake was telling the bloody council in the first place. I rather tend to agree! Indeed. However given the starting point now, a quick chat with an insurance broker would probably sort something out. PLI is pretty cheap. I pay £11 a month for £2 million quids worth. -- Dave - The Medway Handyman |
#15
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Public Liability Insurance for working on our ex-council house
"Brian Gaff" wrote in message ... Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. You aren't necessarily legally liable in that situation if you keep your property in good repair. "Simon Reveley" wrote in message oups.com... Hi all - we are replacing the kitchen in our house ourselves. My wife has been doing some training and apart from using an electrician for the wiring, we intend to do it all ourselves. It's pretty much just new for old in the same layout. The house is ex-council which means it's still council freehold/our leasehold. I spoke to them about the work and they said we need Public Liability Insurance. I've had a look around but it all seems to be for businesses/self-employed. Is there a way to get this insurance as a private individual? Full council text - I spoke to the council about it and they seem happy for us to do the work as long as we have the paperwork: Although you are replacing you kitchen like for like, the Council have a duty to oversee any alteration, structural or non structural, to ensure the work is carried out to a satisfactory standard. The Council are responsible for safeguarding the building to ensure the safety of all residents. Therefore, in order for me to consider your request further, please provide the following: A specification of the proposed works including the material, design and details of the contractor you propose to carry out this work A method statement setting out how the contractors propose to carry out the works (i.e. times of work/ access requirements/ disposal of rubbish, etc.) A copy of the builders Public Liability Insurance (min. £5,000,000) Thanks in advance |
#16
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Public Liability Insurance for working on our ex-council house
On 27/04/16 12:33, Brian Gaff wrote:
Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. Brian Well, maybe€¦ but if you don't have insurance the ambulance chasers will have to do some work rather than tickle the insurance company and have them role over. If you havn't got insurance you may not be worth chasing. -- djc (–€Ì¿Ä¹Ì¯–€Ì¿ Ì¿) No low-hanging fruit, just a lot of small berries up a tall tree. |
#17
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Public Liability Insurance for working on our ex-council house
In article s.com,
Simon Reveley writes replying to Martin Bonner, Simon Reveley wrote: Sadly it's the council who has the home insurance - we only have our own contents insurance, because the council is the freeholder of the block. As part of our contents insurance we have "personal liability and your liability as occupier of your home" but I assume that's different? Ask your insurer for clarification - they are the only ones whose opinion matters. -- bert |
#18
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Public Liability Insurance for working on our ex-council house
In article , Brian Gaff
writes Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. Brian IME public liability is always part of house building insurance BICBW -- bert |
#19
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Public Liability Insurance for working on our ex-council house
In article , DJC writes
On 27/04/16 12:33, Brian Gaff wrote: Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. Brian Well, maybe€¦ but if you don't have insurance the ambulance chasers will have to do some work rather than tickle the insurance company and have them role over. If you havn't got insurance you may not be worth chasing. Don't you believe it. The Communications Workers Union will be after you whatever. -- bert |
#20
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Public Liability Insurance for working on our ex-council house
In article ,
bert writes: In article , Brian Gaff writes Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. Brian IME public liability is always part of house building insurance BICBW If you are in an appartment block, you are often not permitted to have buildings insurance, because the management company or freeholder will have it, and there mustn't be more than one policy covering the same thing. -- Andrew Gabriel [email address is not usable -- followup in the newsgroup] |
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