Tried gooling this but no joy. Can anyone on here in insurance industry or Civil law shed any light please I currently have a reasonably expensive m/c stored in my garage. It's not mine & it's recently been sworn off road plus no insurance. It's only going to be there for about 3 months & I don't anticipate getting broken into due to a number of factors.......but......... If that did happen....would the owner have any civil recourse to try & claim the loss value of the bike off me? Anyone any ideas? If there's the remotest of chances that may be a possibility then I'm going to have to get them to van it away.
Is it for a mate, as a favour to someone or is any money changing hands for the storage? If it's purely a favour for a mate it should be on the understanding that it's at his/her risk, if they're no willing/able to give you that assurance I'd not be keen.
It's a favour for my ex....no money changing hands. I'm just a bit uncomfortable with it not being insured
The short answer is that providing it is agreed that the bike is kept at yours on the understanding that you will not/cannot be held responsible for any damage and/or theft that may occur and a document to this effect is signed by both of you, then you should not have any issues. However, you have a statutory duty of care to take reasonable steps to ensure that theft or damage does not occur, and the subjective question will be, what is deemed reasonable and sometimes this is left to a court to decide. The flip side is that it has been known for a situation like you are in to develop and a claim is made against your contents insurance providing your insurance extends to a garage or out building which is not always the case. So whilst it can and should be fairly straight forward, some people do renege on these types of agreements so it can open up a can of wor,s and the accompanying grief that goes with it. So, the decision is down to.....
I see your concern re. uninsured but in reality if it's uninsured doesn't matter where it's stored your Ex will be out of pocket if the worst were to happen. It wouldn't be down to you to compensate for any loss as you are not guaranteeing anything merely allowing someone to store a possession at their own risk and by leaving it unisured it demonstartes that they're quite willing to take that risk.
