The question is the marginal case that would blow a 3A fuse and not trip a 6A MCB and how realistic it is.
Even a failing lightbulb used to trip my 6A MCBs in a way that never happened with old style fuse wire.
In reality you wont get a fire from a short on a 6A spur. It will trip the whole shebang. The 3A fuse is likely to be there to protect wiring on a 32A ring main. You would automagically put in a 3A switched spur in that case.
Replace 'would' with 'could'. I have never known an insurance company sue a manufacturer. Also any contract is with the final supplier of the goods.
Either way, feel free to provide an example of where an "insurance company would sue the manufacturer". I know you won't be able to as per typical of your silly claims.
No, the issue is that you have deliberately ignored an instruction regarding installation of the fan. You, and others, might not consider it necessary, but the fan supplier does. All the insurance company have to do is show that something regarding the policy has not been complied with. If you don't believe this, have a look at this decision. This did involve a fire, but the reason for the reduced payout by the insurance company (Accelerant) was upheld by the ombudsman:
formatting link
It was a commercial policy, which may be different from a household one. Note this part of the decision: "Accelerant accepts that the qualifying breach wasn’t deliberate or reckless. In these circumstances, the Act says that the insurer may reduce proportionately the amount to be paid on a claim."
How much reduced would a payout be where the breach was deliberate or reckless, in other words ignoring an instruction by the fan supplier to include a fuse?
What about when Manufacturers Instructions say 'must be installed by a NICEIC registered electrician' I've seen that a number of times. Thats why the electrical regs had a wording change a few years back, so such stupid Manufacturers Instructions can be ignored.
As an aside, an instruction now seems to be appearing to the effect that children from 8 years and above can use, clean and perform user maintenance on this appliance in accordance with the User Instructions provided they are supervised by a person responsible for their safety and have been given instruction concerning the use of the appliance and are aware of the hazards.
I wonder where the age of eight came from. I don't think this is a recognised stage of legal capacity.
Quite so. But it takes time and many examples before it is shown to be unnecessary. The question remains that if the insurance company refuses to pay out, and you complain to the ombudsman before the regs have changed, will he find in your favour or not?
I know of such a case (many years ago), keys left in car, insurance company tried to wriggle out of paying up but in they end they paid. I think it was down to the intentions behind leaving the keys in the car, the claimant said he left them there by mistake and that was enough to make the claim good.
HomeOwnersHub website is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.