Appeal ruling possibly muddies term 'use' of vehicle?

[arry]

https://www.insurancetimes.co.uk/court-rules-motor-insurer-liable-for-factory-fire/1421447.article

[Rogerborg]

Fired up, ho ho.

Many years ago, my first car caught fire in the stuuuudent union car park and burned out its engine bay. Totally not down to the loose fuel pipe that I definitely wasn't completely aware of. I wasn't even in it at the time, it just spontaneously combusted some time after driving it.

Fortunately it didn't damage anything else or kill any kittehs, but I always wondered how the liability and indemnity would have worked out if it had.

I guess now I know.

With this, the Discount Rate shenanigans, and with Vnuk still to be implemented, it's like a perfect storm for premiums.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[UnknownStuntm...]

[stinkwheel]

I always thought the fire part of the insurance was a seperate "thing"?
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Fizzoid]

Hmm, so should your car's handbrake fail, roll down a hill (while you're not in it) and cause damage, they wouldn't be able to claim off your insurance for 3rd party damage because you weren't using your car?
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Rogerborg wrote: It'd certainly make it easier to ego-find my own posts on pages, given the number of fags (gay like traps) who insist on putting my name in their .sig

[Rogerborg]

That's the example I've always seen given of why vehicles need 3rd party indemnity in any place accessible by the public, whether you're actually in them or not.

After all, if you'd left the handbrake off or if it failed due to an avoidable lack of maintenance, you'd be personally liable, so you'd really want indemnity.

Somewhat less persuasive is the example of a bike in your driveway spontaneously falling on a postman / chugger / waif, which is less likely to be blameworthy. You can bet they'd still claim against you though.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Nobby the Bastard]