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.
Example: MSA Member working in a classroom environment. Because of the negligence of a member, someone is hurt and property not belonging to the member is damaged - member covered.
Professional indemnity cover can help protect you if claims are brought against you by clients due to a problem with work you have done for them. The MSA professional indemnity insurance covers MSA 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.
Example: MSA member working in a vehicle. MSA member gives instruction to a client to take an action the action results in the person they have given the instruction to being injured - member covered.
MSA General Manager John Lepine MBE said:
"I believe this policy provides unique cover for MSA members unlike anything else available to driver trainers. It is included in the MSA membership fee which equates to around £1.25 a week."
- 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.