Claim on old insurance policy for tenant compensation claim

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    Claim on old insurance policy for tenant compensation claim

    Hi all

    A tenant from 2 years ago is claiming against me for personal injury she suffered while renting my house. She moved out last year and I have a new tenant now.

    I always shop around for my insurance and as so I nearly always have a different company every year.

    The insurance policy was only for 1 year and has since expired. Can I still claim on the policy as I was properly insured at the time??


    I am unable to read the terms of your policy from here, so sorry. So unable to comment. Could you perhaps read the details and let us know ? Or simply 'phone the insurer?

    What was the "injury" and do you agree you/insurer might be liable? (Might, mind, not necessarily are..)
    I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...


      I would contact your current insurance provider as inform them if they will do anything, as I can't believe a tenant can bring a claim 2 years after leaving the property, unless they have raised this 2 years ago and you didn't act upon it.

      But would be good to know what they are claiming for, and did they complain or put the issue in writing to you while they were tenants?


        2 years is within the limitation for personal injury. The defendant landlord or their lawyer will no doubt ask why she didn't mention any injuries at the time, but by itself it's not a bar to a claim.

        OP, what are you intending to claim from the insurer? Legal cover to defend the case? Damages to property? ...?
        I am not a lawyer, nor am I licensed to provide any regulated advice. None of my posts should be treated as legal or financial advice.

        I do not answer questions through private messages which should be posted publicly on the forum.


          When did T inform you of injury?


            Funnily enough, I think it may be o/p's present insurer who coughs up for this.

            I recall reading my home insurance policy. It said that it includes public liability cover for any diy work you had done at any previous home. That would very often be a different insurer.

            Whether they then get in touch with your old company for a contribution makes little difference to you.


              Interesting, thanks for the replies.

              She told me about a year ago and it happened a year before then. She has been emailing me a few times over the last few weeks about the event (she fell down the stairs) but she hasn’t said yet that she will sue. But I think she will.


                Originally posted by johnsmith0774 View Post
                She told me about a year ago and it happened a year before then.
                Did you tell your insurer at the time she notified you and your current insurer of the possible claim?
                You may have difficulties if you did not.


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