Are all the hot works exclusions fair?

Are all the hot works exclusions fair?

I had a call today from a man who was building his dream home, a two storey building that was near completion. He arranged insurance on property under an annual contract works policy as he was a residential builder by profession. As part of the construction, he engaged a specialist welder to carry out some welding works. The exact circumstances are unclear but the welder […]

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Have you ever had a claim paid on Spontaneous Combustion exclusion under the ISR?

I was asked a question by a broker as follows: “Hi Alan, Having listened to you so many times  I was wondering and  would appreciate if you could advise if you have ever got a claim paid under the Spontaneous Combustion exclusion under the ISR and is it ok to assume that the first load spontaneously combusted and then the heat caused the others to follow, […]

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