Hello all,
I was wondering if there are any legal beagles who can offer me some advice. I did a rather large building job for a client, but she is claiming the work has not been done to a reasonable standard. She is quoting the consumer rights act to me. Having read about this, it would appear the consumer rights act is a statutory law that anyone who buys something is entitled to be protected by it.
Having looked on my PI insurance policy, it defines costs and expenses as:
Costs and Expenses
(a) Fees for Your legal representation at:
(i) any Coroner's Inquest or Fatal Accident Inquiry
(ii) proceedings in any Court of Summary Jurisdiction arising out of any alleged breach of statutory duty.
It then goes onto to state:
The Cover
We will pay You:
(a) up to the Limit of Indemnity for Your legal liability to pay Compensation and
(b) for Your legal liability to pay Costs and Expenses
in respect of accidental:
(i) Personal Injury
(ii) Damage to Property
(iii) obstruction trespass nuisance or interference with any right of way air light or water
which arises in connection with the Business and which happens within the Territorial Limits during the Period of Insurance.
So can anyone help me better understand this wording. It would appear that I am covered for any claims made against me under statutory law such as the consumer rights act, but it will only cover me for accidental damage. But this is confusing, as my understanding is that statutory liability cannot be minimised through a contract (in this case my insurance policy) and therefore the policy cannot state it is only for accidental breaches of statutory duty.- or am I missing something?
However if this is correct, I guess it would make sense, in that any damage done, has to have been accidental, because if it was not accidental it would be intentional, which would make it a crime would it not?!
Any help would be much appreciated.
I was wondering if there are any legal beagles who can offer me some advice. I did a rather large building job for a client, but she is claiming the work has not been done to a reasonable standard. She is quoting the consumer rights act to me. Having read about this, it would appear the consumer rights act is a statutory law that anyone who buys something is entitled to be protected by it.
Having looked on my PI insurance policy, it defines costs and expenses as:
Costs and Expenses
(a) Fees for Your legal representation at:
(i) any Coroner's Inquest or Fatal Accident Inquiry
(ii) proceedings in any Court of Summary Jurisdiction arising out of any alleged breach of statutory duty.
It then goes onto to state:
The Cover
We will pay You:
(a) up to the Limit of Indemnity for Your legal liability to pay Compensation and
(b) for Your legal liability to pay Costs and Expenses
in respect of accidental:
(i) Personal Injury
(ii) Damage to Property
(iii) obstruction trespass nuisance or interference with any right of way air light or water
which arises in connection with the Business and which happens within the Territorial Limits during the Period of Insurance.
So can anyone help me better understand this wording. It would appear that I am covered for any claims made against me under statutory law such as the consumer rights act, but it will only cover me for accidental damage. But this is confusing, as my understanding is that statutory liability cannot be minimised through a contract (in this case my insurance policy) and therefore the policy cannot state it is only for accidental breaches of statutory duty.- or am I missing something?
However if this is correct, I guess it would make sense, in that any damage done, has to have been accidental, because if it was not accidental it would be intentional, which would make it a crime would it not?!
Any help would be much appreciated.
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