MSA Public Liability and Professional Indemnity Insurance
Public liability insurance protects you from accident claims made by a client or member of the public. The MSA public liability insurance protects members where a third party makes a claim, caused by the negligence of a member, for personal injury or damage to property, not belonging to the member, when outside the car.
The professional indemnity insurance covers MSA GB members in case of action taken against them by a third party for professional error negligence or omission in the professional advice they give to the public.
- The MSA policy is provided by Hiscox and carries an excess of £250 on Public Liability claims. An excess of £1,000 applies to each claim or loss excluding defence costs under the Professional Indemnity cover, the excess increases to £5,000 including defence costs for any claim or loss arising from, or in connection with, the death, disease or bodily or mental injury of anyone.
- MSA members can download proof of cover from the MSA website.
- McIntosh Fleming solicitors describe professional negligence to the public like this "If you have lost out financially as a result of poor advice or sub standard services from a qualified professional you may have a right to claim compensation for professional negligence. Professionals are legally liable if they fail to provide their services with reasonable skill and care." Financial losses could be claimed by a learner driver in the event of an accident based on loss of income or capacity and as a result of pain and suffering endured.