Careful where you leave your Wheelie Bin!
Every household will have one – a wheelie bin. Every week we go through the motions of separating our food wastes, plastic recyclables and garden wastes from normal household waste. After our wheelie bins are jam packed and left on the street to be collected by a refuse collector, we hope that our bin won’t be missed or left because, “the lid couldn’t close.” If you have a wheelie bin, you will no doubt harboured these thoughts many times, but have you ever considered your occupiers liability? So the bins are out the night before (if you are organised) & or first thing in the morning, and you run out the door, coffee in hand to join the daily commute! Nothing to worry about, your bin is emptied, and you return home on a dark & wet winters evening & get straight inside to the warmth of your home. The bin, well it’s well and truly forgotten about and left on the street overnight & the following day. Most of us have been here, it’s simply forgotten about or there has been some kind of emergency leading you to prioritise some more important things in life, either way the bin is on a public footpath!
This being an insurance website, you can see where this is going. Someone trips and falls and does themselves an injury and blames the bin as the tripping hazard. Or strong winds cause the bin to strike your neighbour’s car causing damage or perhaps even striking a person! Let’s face it you would be pretty unfortunate if this happened to you. However, is leaving you bin lying on the street just the norm or is it negligent? Either way, a solicitor’s letter claiming said bin’s owner was negligent by not reclaiming the bin from the street after it was emptied is not what you need. So what your insurance cover if you are a homeowner or tenant for that matter – is it covered at all? Let’s take a look.