Member Since: 06 May 2005
Location: Y...... because I can
Posts: 10441
wiggs wrote:
This is going to take all the fun out of events
What Events I was going to suggest a day at Boughrood on the 1st July but I don't think I should now In the Beginning there was nothing, which exploded.
20th Jun 2007 5:32 pm
bkehoe
Member Since: 24 Feb 2006
Location: Wexford
Posts: 1481
If Mr Idiot's insurance doesn't cover him/her for offroading, then wouldn't they then become personally liable, or would it be possible for them to claim from the MIBI fund (in Ireland - if you're involved in an accident with an uninsured driver, your claim is paid out from this fund - I assume there's something similar in the UK).IE - 05 D3 TDV6 HSE - Zambezi Silver
SA - 07 VW Golf TDI - White - Sold!
20th Jun 2007 5:35 pm
Duncster
Member Since: 25 Nov 2006
Location: Midlands
Posts: 755
AndrewS wrote:
wiggs wrote:
This is going to take all the fun out of events
What Events I was going to suggest a day at Boughrood on the 1st July but I don't think I should now
Andrew,
If we hapened to turn up by coincidence at JV's for a coffee then decided that a trip to Boughrood would be a good idea would that work.
PS
Can't make the 1st July at JV's 15 3.0 RRS HSE - Silver
05 2.7TDV6 S AUTO Silver - Retro-fitted Leather.
20th Jun 2007 5:46 pm
wiggs
Member Since: 03 Sep 2006
Location: Manchester
Posts: 14372
Wouldnt we have to have a disclaimer for a "coffee morning " in that case G4 Gone ...but not forgotten
20th Jun 2007 5:49 pm
bkehoe
Member Since: 24 Feb 2006
Location: Wexford
Posts: 1481
Wouldn't want anyone burning themselves with hot coffee!IE - 05 D3 TDV6 HSE - Zambezi Silver
SA - 07 VW Golf TDI - White - Sold!
20th Jun 2007 5:59 pm
wiggs
Member Since: 03 Sep 2006
Location: Manchester
Posts: 14372
Or putting in a claim because there was no chocky biscuitsG4 Gone ...but not forgotten
Having previously been involved in an RACMSA motor club at committee level, I can tell you that this whole thing is a nightmare, and if you wish to continue with the open forum style of 'event organisation', it will ultimately end in the incorporation of the site to 'disco3.co.uk Limited'.
At present, it is perfectly feasible that Martin could have nothing to do with organising an event, attending it or causing any grief at it. However, he could be sued by a disgruntled attendee as the 'medium' employed to instigate the event where something went wrong. I could be mistaken, but I don't know if Martin has any form of Public Liability insurance for this site, and even if he has, I doubt it would cover 'Motor Sport' events. For the avoidance of any doubt, 'Motor Sport' would almost certainly be seen to be the category of cover required for an off road adventure week-end despite the fact that there is no real competition element employed.
Much as it pains me to suggest it, I would urge you all to consider this when using the open forum to organise future 'open to all' events involving moving vehicles and potential insurance claims.
People can become very desperate when their shiny £40k motor car is written off, or a child is hurt (or such like) and their own insurance company doesn't want to pay out. I've seen friends come to blows over this in the past as large sums of money (or the potential lack thereof) can easily come between casual mates......
Furthermore, I'd still be surprised if all these insurance companies offering 'off-road-cover' would actually pay-out for something like what happened at Rockingham. I reckon the small print cover would only apply to 'proper accidents' occurring off the public highway (like a plane crashing on your car on a day of the week which doesn't end in 'Y'), and not self-inflicted incidents.......The older I get, the more I realise that people confuse wrinkles for wisdom
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20th Jun 2007 7:03 pm
Buckingham
Member Since: 08 Mar 2006
Location: Herefordshire
Posts: 958
The events that we as forum members attend can be split into two...
Private Off Road Sites....Broughrood...Tixover....etc....
The owners of these sites will already have gone through this process and we will sign something at the time we pay to use the site....and we do this as individuals.
The D3 "organiser" is really only a point of contact between the owners and the forum members....
Green Lanes....
These are public roads and so the same rules as driving on a tarmac road should apply
The "organiser" has really only done a recce and produced some maps.
It really is no different to meeting up and driving in convoy to a LR show....
From a vehicle damaging point of view...
At Tixover everyone just did what they wanted...At Broughrood we have been organised into groups and driven round in convoy.
Personally I think the Broughrood convoy idea is a lot safer especially for people having a go for the first time. They can see how the leader has gone through an area and choose to take the same approach...or choose not to...it's their choice...
With 30 cars all doing their own thing at Tixover, it wouldn't have come as a surprise if there had been other incidents....
Everyone can also choose to listen, or not, to other peoples advice....you've only got to spend a week on the forum to work out who knows what they are talking about and who is talking out of their ....
There is roughly 3 or 4 people on the forum that I would listen too and follow their advice to the letter when driving off road....(there's probably more out there...I've just not experienced them yet)
I would listen to everyone else and then choose to follow their advice or not.....either way, if something went wrong......it was my decision and actions...
I don't expect TFC to whip out a disclaimer for me to sign before he tells me to turn my wheels to the left a bit...but there again....maybe he should
20th Jun 2007 7:03 pm
Bodsy Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
I agree that Tixover was an accident waiting to happen, but the Boughrood sessions are a lot better organised and experience is provided in the form of guidance (which gear, which setting, which direction, how much power etc).
I really felt out of my comfort zone at Tixover without the organisation and guidance (althouigh there were people there who would have given some I'm sure) as although I have a high post count, I'm still very much a novice at off roading. That's why I've got insurance to cover me, I'll follow the advice and make a decision on whether I want to 'risk' it or not. My choice, my responsibility.
So Andrew/TFC/whoever else, I'd be happy for another Boughrood session, with my own insurance, without additional liability cover and with your advice on driving skills/techniques etc.Bodsys Brake Bible
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20th Jun 2007 7:18 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Chaps... just to highlight a point which may be being overlooked here. You might be extremely happy to say "my choice" etc ...but will you say the same when you find out that it is your insurer that is holding all the cards.
Will you still be so happy when they refuse to payout???
Let me give an example: I crashed at Boughrood and had minor body damage and my insurer paid out in full without the blink of an eye. If, god forbid, I had taken out a couple of ramblers in the process of hurtling down the hill... would they start blinking ..... I suspect that their eye would be 'ticking' a hissy fit. That is the point when they would want to limited their liability and start looking for others pay out my damages claim 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
Last edited by DG on 24th Jun 2007 9:32 pm. Edited 2 times in total
20th Jun 2007 7:36 pm
Bodsy Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
well that's that then, we're all !
Come in America, your time has come........Bodsys Brake Bible
Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset See It Here
20th Jun 2007 7:41 pm
DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
Quote:
personally i hate this kind of stuff, i will not be signing any disclamers for events and if that means i cant come then so be it.
This will become too administrative and people will loose interest. I'm losing interest already Duncan
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20th Jun 2007 7:53 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Which is why its only fair on all parties to get it sorted out in one way or another 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
Basically what needs to happen is that some sort of public liability insurance needs taking out - once done that's it, except for an online agree not to sue organisers etc thingy.
FWIW I hate all this but someone will always spoil the fun.Loving the power of the TDV8!
20th Jun 2007 7:56 pm
DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
Does GLASS not cover this. Why not register disco3 with GLASS and get the insurance benefits they offer
http://www.glass-uk.org/Duncan
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If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
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D4 HSE MY10 SOLD
D3 HSE MY06 - Re-Cycled Worldwide
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I was going to suggest a day at Boughrood on the 1st July but I don't think I should now 
....
..... I suspect that their eye would be 'ticking' a hissy fit. That is the point when they would want to limited their liability and start looking for others pay out my damages claim 
