Public sodding liability insurance

Matt Sayle

Matt Sayle

2017MSA Young Photographer of the Year(Motorsport)
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Matt Sayle
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CAn you help me?

I need public liabilty insurnce for a press pass at croft next weekend. However, I cnat find a stupid bloody company to insure me. I am under 18 so will that effect it?

The one i have just done said i had to be over 2-sodding-1



I am not in a good mood :(

Thanks
Matt
 
Matt Sayle said:
CAn you help me?

I need public liabilty insurnce for a press pass at croft next weekend. However, I cnat find a stupid bloody company to insure me. I am under 18 so will that effect it?

The one i have just done said i had to be over 2-sodding-1



I am not in a good mood :(

Thanks
Matt
Click to expand...

are u sure you def need it?
 
I need to find a company who will insure me as i am under 18 and apperantly I have to be over 18 :(

Also, yeah I do need it as Croft requested it.
 
Perhaps you can't be considered for legal purposes a professional. It could be that as a 'minor' you have no actual professional responsibility.

Nothing to do with your ability but all to do with accountability.

Hope you get your gig.

Graham
 
when I got a qoute they took my DoB and told me where to go.

Looks like I have to be over 18 for all of them.

Thanks for your help guys but forget it now. THere is no point.
 
Absolutely sucks matt :(

What ****es me off is at 12 they charge you an adult ticket on a plane. At 14 they charge you an adult ticket on a train, and you're deemed responsible for your actions and can be charged as an adult. At 15 they charge you an adult ticket in the cinema. At 16 you can quit school, gamble, have sex, have a kid, get married, fight for your country.

But you have to be 18 before anyone SERIOUSLY considers you an adult.
Bloody pathetic.
 
surely someone on here can cover you - or can you get some through a business policy - Matt Sayle Photography - rather than as an individual?
 
How about Endsleigh, aren't they the people that insure students?

There must be a way of getting this if you were a student, perhaps a call to a college that offers photography courses might be able to help?
 
I'm thinking you can't get it because you don't need it. You can't insure against something that can't occur.

Graham
 
The reason is likely to be that anyone under the age of 18 cannot effectively enter into a binding agreement - i.e one that can be enforced against them.

One of the many apparent anomalies in our law !
 
It is a matter of contractual capacity, as a minor although the contract is enforceable against the insurance company it will not (except in certain circumstances) be enforceable against you and so most companies won't touch you. However you say this is for a press pass. Are you actually working for someone? If you are check whether they have cover that would also cover you as their employee. Alternatively move to Scotland where the age is 16 not 18!
 
The only way I can think of you doing this, if what you say is correct is to get your Dad to set up a limited company Matt Sayle Photography Limited, get the insurance and then have you as an employee

stew
 
This is daft, lot's of people leave school at 16 and set up for themselves, but they can't get insurance they have to have by law, what a country.
 
Are you covered on your parents household insurance? Most household policies have an amount of PL tagged on for the residents of the insured property, just check to see if it covers YOU whilst your away from the home.
 
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