Fionn
When the insurance is put together by the insurance company /broker it will be done with consultation with either the owner or the operator.
The insurance will come back with limitations, requirements and a price which has to be agreed.
The owner/operator may ask how that price can be reduced and may then make his own suggestion which not only reduces the insurance but suits his own purposes which may not be just to reduce the insurance.
Then you get " sorry guv not my fault but an insurance requirement"
like heck??? happens everywhere!!
Pace
Last edited by Pace; 28th September 2012 at 14:00.