Incident Maidenhead Street

buzz · Post by **buzz** » Sat 05 Dec, 2015 5:48 pm

Around about mid-day I was in Hertford town centre. In Maidenhead Street I noticed some Police and Ambulance activity. Apparently, the old Ashley's shop (china & nick-nacks) is being refurbished and they had wooden boarding sheets up at the front. As someone (believed to be male) was walking past, the wind caught the boarding sheets and blew them down on top of the person, causing them to be trapped. I heard that about six lads dashed into help and managed to free the person. No doubt the insurance company for the refurbishers will claim it was "An Act of God"

leo densian · Post by **leo densian** » Sun 06 Dec, 2015 8:29 am

The HSE may take a different view if suitable controls were not in place

Kateg28 · Post by **Kateg28** » Mon 07 Dec, 2015 9:11 am

buzz wrote: No doubt the insurance company for the refurbishers will claim it was "An Act of God"

I am guessing you don't work in the Insurance Industry then?

buzz · Post by **buzz** » Thu 10 Dec, 2015 11:22 am

No, I don't work in the insurance industry. I am not a chef either but I can tell when the toast is burnt.

Kateg28 · Post by **Kateg28** » Fri 11 Dec, 2015 9:53 am

Do you have any evidence about this 'Act of God' exclusion of which you speak?

MultiDad · Post by **MultiDad** » Fri 11 Dec, 2015 1:43 pm

if you have proof of 'god'... you'd be the first person ever !

Post by **Steve** » Fri 11 Dec, 2015 2:29 pm

The last two posts appear (IMHO) to have missed the closing point of Buzz's opening post.

He is suggesting that the insurance company (if indeed the developers had one) would try to avoid paying out on any claim by invoking the "Act Of God" clause that is common in insurance policies.

http://www.confused.com/home-insurance/ ... -insurance

Kateg28 · Post by **Kateg28** » Fri 11 Dec, 2015 5:23 pm

I have not missed the point. There is no such thing as an Act of God in UK Insurance and the insurers will not be able to use this to deny any claim from the incident in Maidenhead st. The link quoted from a comparison website does not prove this exists. I have merely asked for a genuine wording from an existing placement where an Act of God is excluded.

The ABI (Association of British Insurers) quotes:

MYTH: There is an ‘Act of God' exclusion in insurance policies.
FACT: Insurance policies do not contain such an exclusion. The policy will set out what is insured and what the main exclusions are. If loss occurs from an event covered, then the insurer will pay out, in accordance with the policy terms and conditions.

https://www.abi.org.uk/News/News-releas ... -and-myths

The ABI is a more reliable source than a random comparison website used to sell insurance. And just to clarify, the link from the quoted website is for home insurance, the incident would fall under commercial insurance which is different and specialist. Neither have Act of God exclusion anyway.

Yes, I work in the Commercial Insurance Industry.

I also, personally, doubt the existence of God as well but that is a different debate.

Incident Maidenhead Street

Incident Maidenhead Street

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