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Insurance in the Uk-what does it cover? (anyone heard of a claim)

icejohn

Member
Sep 24, 2006
85
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16
A serious question for those who know. What does Insurance in the Uk what does it cover? (concerning sites and personal insurance) (anyone heard of a claim?). yeah yeah heard all about the 5 million public liability claim on sites etc etc. but that about it. Other details are none existant. :confused:
Having watched enough safety dvds from a corporate site one wanders.....what if?????


Has anyone ever heard of claim being made and what were the circumstances? and did the insurance company cough?

I worked (some years ago for a site) and had lenses explode on goggles (technology lacking in those days!!! etc (luckily no one was hurt other than bruising. No claim was made, but into days culture me thinks that would change.

What about tournaments where people use their own masks and lenses are you covered after signing a waver lets face it says you play at your own risk?:eek: :)
 

icejohn

Member
Sep 24, 2006
85
0
16
ukpsf asked for more info

I have checked out their website and there does not seem much on there. I have emailed for more info as well.

Basically wanted peoples personal experiances on different sites and sinerarios. The do and do not actions. (bar the common sence ones obviously!!):)
 

JoseDominguez

New cut and carved spine!
Oct 25, 2002
3,185
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www.myspace.com
Signing a waiver means roughly sod all.
You aren't entitled to sign away any of your legal rights in this way. Even if you were, they aren't countersigned witnessed or in any way a legal document.
Similar to the bank charges thing..... we all signed for our accounts and signed to the terms and conditions, it means nothing, doesn't matter what you sign, doesn't mean something illegal can be done to you (through intent or negligence).
 

Matski

SO hot right now
Aug 8, 2001
1,737
0
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In the UK the law suggests that if you participate in an activity, you voluntarily assume the associated physical risk and some legal risk depending on your circumstances/attributes. The physical risks are usually obvious, but the law states that the legal risks should be made known. In other words, responsibility for legal risk can be assumed by written agreement. Essentially you sign a waiver saying that you won't sue if you break your neck. Like Jose suggests however, this is simply a contract not to sue, you are NOT agreeing to give up your rights as the injured party, and such an agreement can be made void very easily.

Just saying that you went out on a big drinking session the night before and were still drunk in the morning would destroy the relevence of whatever you had signed...a drop of alcohol in the system in legal terms means you do not have the mental capacity to agree with whatever you are signing. Nobody could prove otherwise....

As a site owner, the system can get you if something goes wrong and obviously good insurance is a must, but at the end of the day its going to come down to the weighting of negligence. As a player in a tournament or elsewhere the same applies...so the following is important to remember:

A sporting event is essentially one big agreement in that all stakeholders i.e. the players, site owners, staff etc have a 'duty of care' for each other. In other words people are expected to 'reasonably foresee' how our actions will affect ourselves and others and behave to a standard that reflects that.

So if someone claims negligence the law will ask....was there a duty of care? and was the standard of care/behaviour imposed by this duty breached? (there are 4 things really but these are the 2 key).

Therefore the law will determine: who could foresee their actions causing harm to another person (potentially) and did they then conduct themselves in a way that did not reasonably prevent harm coming to the other party. Importantly, this 'standard of care' drifts with the level of knowledge and skill held by people. In paintball terms, a punter on a weekend visit to a rental site has very little responsibility for himself yet an experienced tournament player has a much greater knowledge of the risk to himself and others, and therefore should have a much greater knowledge about how he needs to behave to control these risks.

Therefore if you show up to a tournament with lenses in your goggles that are 6 years old, cracked etc, you get gogged, your lenses fail, and you get blinded....this is likely your own fault and the law will see it this way. Likewise if you shoot someone 300 times in the head and he falls and breaks his hip, you are likely the negligent party - as a seasoned player you knew the risk to the player very well and behaved in a manner below a 'reasonable standard' of care for that person. On the otherhand, if you are a punter and your rental equipment fails and you get hurt, it's likely that negligence on the part of the site caused your injury as they had a greater duty of care.

Accidents do happen, and the law as I have hopefully outlined will not always find fault (negligence) with the accused party. In anycase, it is unlikely that signing waivers will protect anyone to a complete extent...lawyers are there to ensure that by picking away at whatever the waiver process was. The best protection is obviously to (as an organiser/site owner) take all measures to protect people from reasonably foreseeable harm (the extent of which is determined by the skill of the players), and (as a player)...use your (not so) common sense!!

Paintball isnt the legal nightmare people might expect it to be because, fortunately, the vast majority of people in paintball (in terms of organisers) take safety very seriously and the majority of players do not go around lusting to hospitalise their opponents (bar Lasoya)....so sleep easy Icejohn.:)
 

Markie C

Carlos Spicy Weiner
Aug 1, 2004
3,327
121
88
47
Northern Quarter
www.northernquarterpb.com
The main thing is the hazard awareness.


You can get people to help you out with it like we did, we had a safety guy and a risk assessment guy to do it so it was done to the letter other than that they are cool with every thing.
 

Bully

Well-Known Member
Jul 12, 2001
1,163
3
63
Rochdale UK
www.playpaintball.co.uk
Claims

Yes there have been many claims and the claimant has won - most not paintball related but slips trips and falls type accident - but paintball still is a sport with one of the best safety records around.

Like any insurance you pay it hopeing you never need it - you don't pay it and you PAY!!

I know of one claim that cost in excess of 25,000 to fight and the insurers picked up the bill, if the site had not been insured they would have picked up the bill.

Steve
 

Bully

Well-Known Member
Jul 12, 2001
1,163
3
63
Rochdale UK
www.playpaintball.co.uk
Claims

I have had an e mail today from an insurance co reference a claim against a site for "tripping over a tree root" and it happened 3 years ago - this is the claim culture we now live in !!:mad:

The claim is not against my site just in case you thought it was - I have one for slipping on wet leaves !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! aftre it had been raining for two days :( :(

Steve
 

PortoX

DCF Footsoldier.
Apr 18, 2006
1,505
12
63
35
Ashbourne (Derbyshire)
www.myspace.com
I have had an e mail today from an insurance co reference a claim against a site for "tripping over a tree root" and it happened 3 years ago - this is the claim culture we now live in !!:mad:

The claim is not against my site just in case you thought it was - I have one for slipping on wet leaves !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! aftre it had been raining for two days :( :(

Steve
Surely thats a case of 'grow some balls you pussy'?

I'm appauled infact I'm not that surprised after someone saying the other day that they were more important than me getting some food inside of myself. Sun Beam had to wait for his goggles to be cleaned whilst i ate my cold bacon cob (breakfast at dinner as we were busy) slowly infront of him.