hi all what i am saying only applies to scale boat not ic steam or fast electric. OK so Joe public hurt them selves on your boat after ignoring the do not touch sign.
1 how do the know who you are. Under EU law i don't have to say any thing .
2 how can they prove it was your boat ,forensics i don't think so. So now all Joe public knows it was a red boat at such a venue not a good start for a compensation case.
As for damage against other modelers boats. If 2 or more boat are going to collide chances are it will happen on the water. As far as i know there are no rules for model boat on a lake. IE with a car there you drive on the left and give way to the right on round about etc etc. so when a collision occurs it is possible to find out who was in the wrong. so how would do this with model boat, who has right of way etc etc. I think in a collision it would be each party pays there own.
As for setting fire to a building. One has to ask how likely . With a scale boat the only source of ignition is the battery's so once they are discounted the risk is gone. Now i don't know about you lot but i don't tend to leave my boat unattended with the batters connected. So were the risk.
I have yet to see the need fore insurance other that to claim against if your boat get stolen.
john
hi john
may i point out that public liabilty insurance is required due to the nature of the hobby as you say accident with scale boat may be less likely but its not only the use of the boat one the water thats covered its more !! say you got your boat out of your car with all the lids off so you didnt damage them and for what ever reason the battery exploded because you only just bought it and wasnt aware there was a fault with it ? yourself and others people were near enough to recieve bad injuries from the acid contained in the battery ! what would you do then with no insurance are u aware that you could loose your house !
heres the process you would hope for !
the injured person would be taken to hospital you go home nothing said ? not in this day and age !
heres a brief script of what would happen !
you and the person goes to hospital, not before the ambulance people or police have taken all your details oh dear under eu law you dont have to give it but you have without thinking !!
then comes the next one the person has to have 2 weeks off work due to recieveing acid burns to his face and eyes !he comes out of hospital and rings a solicitor and starts taking legal proceedings againt you for loss of earnings plus medical expensences and anything else they can get out of you ! OH I FORGOT UNDER EU LAW YOU DONT HAVE TO GIVE YOUR NAME AND ADDRESS but to the police when they arrive because an ambulance was called you already have ! oh and they have made notes about the accident along with the ambulance service notes of injurys !
NOW MONTHS DOWN THE LINE
you are asked to appear at county court under a civil proceeding against you ! oh you dont attend because you dont see the need or have any insurance to help you ! hmm judge awards victim full costs applied for and find you guilty of not taking reasonable care and precaution ! or similar and you now have the victioms court costs too ! hmm £100,0000 by the time you finish ! now then your no where to be found so you think police have given statements with your name and given address etc wait for the next things to happen bailiffs from county court with a warrent or seisure of goods or even property to cover the costs !
this is a potential scale of what could happen (not that it has to my knowledge) but better to be safe than sorry ! for the sake of spending £10 on insurance (bmprs) or slightly more with other groups upto the individuals ! that accident would have been dealt with by the insurance with perhaps you making one or two statements and filling in a form or two !
answer me one question truthly john if some one hurt you or cause damage tht meant you had to tak time off work would you let them get away with it if you thought they were at fault and you could make a good few quid out of it or set to loose money ? no matter how it was caused or what with ?
chance is that you would think about claiming !
i hope others see the point of insurance and how its a safe guard rather than an argument point in todays society !
yes in the 80's people would have shrugged it of and got on with thing but today is different ! whilst many of us like to think we live if a perfect world where people dont claim sad fact is they do and for the slightest thing if they can get away with it !
just my point of view on the matter !
i wouldnt run and model without having appropriate cover as you just never know whats gonna happen ! it might be beyond your control but your could be held to blame !
mark
