HAVE YOU GOT ‘UMBRELLA’ INSURANCE?

umbrellaDue to a single case where a Slovenian man fell from a ladder hit by a tractor-trailer on private land, a case in which motor insurers refused to pay out, the European Court of Justice stated insurance must cover all situations. It therefore follows, lawnmowers, mobility scooters and golf buggies kept on private land may have to be covered by motor insurance under a controversial new UE directive, which will no doubt impact on us all in the near future through increased personal injury claims. Living as we do in ridiculous times, it won’t be long before pedestrians moving about on private land must have umbrella insurance and handbag insurance, just in case your umbrella or handbag inadvertently causes someone injury!

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