Why do people in the uk think insurance covers everything?

[bernieaa]

I find that uk people think business are bound by hefty insurance and so are trades people.

Eg - I've seen it written that if a trades person such as a bathroom fitter breaks an item in the fitting, they should "claim on their insurance". They don't have insurance to cover such damage.

Or I'm pregnant woman wouldn't be allowed to use the hotel spa due to "limitations of insurance". If this was the case than people should be notified at the door and asked to sign in etc stating they aren't pregnant etc. i accept to protect the business against claims from pregnant women who potentially suffered ill health etc, but that's not a term of insurance.

Germany has got the reputation of insuring everything and being overly insured. I think people confuse laws and regulations with "insurance".

This is the second thread you've posted where you just seem to want to disagree with all the responses. What's the point?

There's no modifications involved in me connecting up a new oven, either. Perfectly safe? Even if I only think I'm a competent person and in reality, I'm a mediocre male overconfident muppet who wouldn't notice if the cable were half melted through?

Go away

@NeverDropYourMooncup yeah it's pretty easy to connect three wires.... no electrician required and if you pay for it from AO etc you won't be given a cert or indeed an election

LOL

I'm wondering if the reason people don't understand insurance very well is because the people working in it aren't very good at explaining things or have a slightly unfortunate manner when interacting with people....

Threads to berate people for their stupidity are never well received. As someone said upthread, why not simply offer advice when you are asked or can see it's needed?

AO say

Our fully trained installation team can get your new electric oven installed and ready to go on delivery day for just £115. We’re up to the task and fully approved by the NICEIC. That’s the National Inspection Council for Electrical Installation Contracting.

They complete the installation records digitally.

And this is in their recruitment specifications for installers;

Some experience of installation of electrical appliances would be ideal, but we'll train you to be electrically competent and gain qualifications.

Lol just made my point there though haven't you?

Unless they have changed it again in the last five years, it is a legal requirement to supply electrical safety certificates for anybwork you've had done since the law changed. You can still do work yourself but it would need to be checked by an electrician. They changed this a few years ago now to stop people just doing dodgy electrics on houses.

You need to supply the certificates when you sell the house. Luckily we'd had our old house since before they changed the law and could just claim we hadn't had any work done in that time.

Nice !

@MigGirl EICR. Valid for five years. You are confusing noticeable work with insurance companies actually asking the police owner to provide proof their electrics are safe.

@NeverDropYourMooncup you ain't getting a certificate. Simple as that. The qualification is "competent" based on not being an electrician or qualified.

No I'm not, I'm not even referring to insurance companies.

You said there is no legal requirement when selling a house when in fact there is if you've had work done. I also said nothing about proving what is there is already safe. 🤔

https://www.nationalsafetyinspections.co.uk/blog/do-i-need-an-eicr-to-sell-my-house/

@MigGirl eicr.

The homeowner could have tampered with the electrics or they were never safe.,...

It gives a dated report.

True, then you have to pursue them personally.

This thread is raising awareness

It really isn't. It's just argumentative nonsense. And confrontational at that. If you want to give salient information you could do so without sounding so ridiculous 🙄