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.

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The important thing to remember, in order for a third party liability claim to be ‘valid’, negligence must be proven first. So there is no real definitive answer here. What constitutes negligence in one person’s view will vary considerably to the next person. Why leave it to a solicitor to argue their case if someone gets insured or property gets damaged allegedly from something that ultimately you are responsible for? It is recommended in the case of high winds forecast that you fix your bins within your property where at all possible and when you do have to leave them out, leave  them out in the morning on the street and reduce your exposure to claims, by getting them back into the bounds of your property as quickly as possible.

If you are looking for a wide ranging insurance policy for either high net worth buildings or a building and contents policy for your home insurance then give us a call.

We can include Property Owners Liability from £2,000,000 up to £5,000,000 per policy. There are also options to include legal expenses & terrorism insurance.

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Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

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