Case 39 - Enquirer informed that he requires public liability insurance for putting veranda on caravan


An enquirer had been informed by someone at a caravan park site office that, under health and safety legislation, he requires public liability insurance in case he injures himself while putting a veranda on his own caravan.

Panel decision

Public Liability Insurance is not a requirement under Health and Safety legislation and, in any case this provides cover for third parties not the insured person. The advice the enquirer should have received is that they may need to notify their own property insurers (who provide third party liability cover as part of the policy) that they have made modifications to their property.