JanetGeorge
Well-Known Member
I find that interesting. Which companies do not insure if not wearing high viz? I am surprised as it is not a legal requirement. My insurance is through Shearwater, don't think they have that exclusion. I also have insurance through the BHS, I have not seen that as being a reason not to pay out?
Copmpanies decide what they will and won't insure for on the day the claim comes in. They ALL have nice little exclusion clauses that can be used to wriggle out of anything - if it's going to be too expensive, or be bad publicity, or if the Claim Manager has a bee in his bonnet!
BHS Insurance ONLY pays out if there is no other insurer involved - it's a last resort case. And I'm not sure they would endear themselves to BHS if they paid out on a rider, with no high vis, in darker, foggy conditions (maybe get away with it in bright sunlight - although that can be even WORSE for visibility!)