FC Wrote:Who can answer this.

If spectators are paying to view the races from private areas, ie Creg, Hillberry, Braddan Bridge and other areas, whos insurance covers them in the event of an accident. I cant see it being the ACU as paid spectating areas would be seen as a bussiness something that it my opinion would not be covered by thier insurance as they are not in control of these areas. Also why do we never see a copy of the insurance details at these areas, by law they should be on view to the Public. Are the ACU/DTL going to ensure that these insurances if any are valid.

Quite simple Colin - if a householder/landowner charges for spectators to watch from his/her ground, then he/she owes the spectators a duty of care and must have Public Liability cover for when the spectator trips over a flowerbed or some such.

There is Public Liability cover built into most Household Policies, but this is to look after normal household activities.

What we have described above is something else - a commercial "business" which will need a separate cover.

Just try getting it!

If not in force, it could well be "sell your house" time . . . . .