I have a yard where I offer caravan storage and require the tenents to insure their vans and keep a pin lock or wheel lock on the caravans when parked at my yard. Do I need to take out any insurance regarding the caravans in case they get damaged on my land?John Harper
Province/Country relating to question : Yorkshire UK
What sort of damage do you envisage?
Please give me as much detail as possible.
I need a bit more information please. I am going off line shortly and will be on and off all day (experts on here are also practising lawyers) but will be back later (on and off) today when I will deal further once I have your reply.
There is one Caravanner who says their caravan was damaged in my yard and says she needs to claim of my insurance, however It cannot be proved that the damage was done in my yard and I tell them when they park their vans that they have to insure them and pinlock them to stop theft of the caravan. I do not carry any other Insurance against damage by a third party and do not think I need it.
Do I need any form of insurance for providing this parking service?
It is always prudent to have insurance.
However you are not liable unless you have been negligent.
That depends on lots of factors. For example, how was the damage caused? Was the yard secure?
UNless you did something wrong, then you are not liable.
A disclaimer "We are not liable for damage etc" is of little value although do have one.
There are specialist brokers dealing with caravans. A seem to remember one called Stoneways. Can them, it might not be expensive.
Can I help further?
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Do you have the contact details for Stoneways? Also do I have to have insurance for this eventuallity as the yardis 24hrs manned and secured at all times.
My main question is do I have to have insurance at all?
No you dont have to have insurance legally unles you have employees, but if someone gets injured and sues you, even if they have not got a good claim, the current ambulance chasing solicitors will pursue you. You will have to deal with that.
Regarding damage, you cannot guranatee that someone doesnt get in and vandalise things. Rghe decision is yours of course. 24 hrs ansd cameras makes premiums cheaper though.
I dont know if Stoneways http://www.stonewaysinsurance.co.uk/caravan_trailer_info.html
do caravan storage if not try Hiscox (Google will find easily) who do all sorts of odd risks.
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PGD Law. 20 years legal profession, 6 as partner in High Street practice
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