Riots and damage compensation

[kingandy2nd]

Which definition do you think most aptly applies:


The criminal definition covers the criminal acts.
The definition for insurance purposes is defined by case law.
We're discussing insurance cover.

No we are not discussing insurance cover.

We are discussing the Riot Compensation Act of 2016.

It is not insurance. It’s act of (UK) parliament.

 

[Mrs Ten Names]

No we are not discussing insurance cover.

We are discussing the Riot Compensation Act of 2016.

It is not insurance. It’s act of (UK) parliament.

OK, but it only covers riots. It doesn't cover political disturbances nor civil commotion.
So the difference is immaterial.

 

[kingandy2nd]

OK, but it only covers riots. It doesn't cover political disturbances nor civil commotion.
So the difference is immaterial.

Here is page 3 of how to make a claim. Please read

Please feel free to reply again when you can provide evidence to assert your point that political disturbance or civil commotion are not covered by the act.

Otherwise feel free to reply to thank me for providing you with some knowledge you didn’t have earlier.

 

[ajohn]

If the riots are assigned a label of terrorism, they wouldn't be covered by insurance policies.

In some cases they are being but judgements will be needed to be sure but it is getting mentioned.

 

[Mrs Ten Names]

Here is page 3 of how to make a claim. Please read

View attachment 351384

Please feel free to reply again when you can provide evidence to assert your point that political disturbance or civil commotion are not covered by the act.

Otherwise feel free to reply to thank me for providing you with some knowledge you didn’t have earlier.

The discussion is not how to make a claim, it's whether the claim will be met, or not.
The 2016 Act clearly states that claims for political disturbance or civil commotion are not covered.
The guidance that you present specifically states that "not all instances of damage or loss that occur during a period of civil disturbance will meet the criteria,,,...... etc.
Were they riots, civil commotions or political disturbances?

Who decides?
Currently they might be described as riots. (Except by Musk who calls them civil war).
For how long and why will that description apply?

 

[Mrs Ten Names]

In some cases they are being but judgements will be needed to be sure but it is getting mentioned.

So the courts decide whether they were riots, civil commotions or political disturbances?

 

[denso13]

"This will only cover you for events defined as a riot, which will be determined by the relevant Police and Crime Commissioner or the Mayor’s Office for Policing and Crime in London"

https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/migrated/riots/recovering-after-riots-abi-guidance-for-property-owners-and-businesses.pdf

 

[kingandy2nd]

The discussion is not how to make a claim, it's whether the claim will be met, or not.
The 2016 Act clearly states that claims for political disturbance or civil commotion are not covered.
The guidance that you present specifically states that "not all instances of damage or loss that occur during a period of civil disturbance will meet the criteria,,,...... etc.
Were they riots, civil commotions or political disturbances?

Who decides?
Currently they might be described as riots. (Except by Musk who calls them civil war).
For how long and why will that description apply?

Where does the act “clearly state claims for political disturbance or civil commotion are not covered.”

Please paste the link.

The only exclusions I can find are as follows:

The part “not all instances of damage or loss that occur during a period of civil disturbance will meet the criteria” means that not all losses will be covered - there are limits to claims.

 

[kingandy2nd]

"This will only cover you for events defined as a riot, which will be determined by the relevant Police and Crime Commissioner or the Mayor’s Office for Policing and Crime in London"

https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/migrated/riots/recovering-after-riots-abi-guidance-for-property-owners-and-businesses.pdf

And the PCCs or Mayor’s office will follow the legislation of what defines a riot. That ones pretty obvious.

 

[Mrs Ten Names]

I'm pretty sure I've already provided it, but here goes:

In the guidance leaflet.

The Act only applies to a riot and doesn’t apply to damage caused by civil commotion, strikes or political disturbances,

In the ABI Guidance.

 

[Mrs Ten Names]

I think most contributors to this thread can give themselves a pat on the back.
It's been an in-depth discussion without malice, abuse. or insult.
And we seem to have arrived at a reasonable conclusion.

 

[Mrs Ten Names]

Oops. Spoken too soon.

Top prosecutor considers terrorism charges over riots, as more suspects face court​

Riots and disorder in the UK: Top prosecutor considers terrorism charges over riots, as more suspects face court

Director of Public Prosecutions Stephen Parkinson tells the BBC he is "willing" to look at charging people with terror offences.

www.bbc.com

 

[denso13]

And the PCCs or Mayor’s office will follow the legislation of what defines a riot. That ones pretty obvious.

Yes.

 

[kingandy2nd]

I'm pretty sure I've already provided it, but here goes:
View attachment 351391
In the guidance leaflet.


In the ABI Guidance.

No, I asked you specifically where it “clearly state claims for political disturbance or civil commotion are not covered in the legislation”.

It does not.

The note you’ve quoted does not mention either. As I’ve said, the RCA covers specific types of damage/loss - ie buildings, vehicles, etc to certain limits. That note is intended to highlight that not all losses someone / a company can have endured as part of a riot.

 

[denso13]

No, I asked you specifically where it “clearly state claims for political disturbance or civil commotion are not covered in the legislation”.

It does not.

The note you’ve quoted does not mention either. As I’ve said, the RCA covers specific types of damage/loss - ie buildings, vehicles, etc to certain limits. That note is intended to highlight that not all losses someone / a company can have endured as part of a riot.

I think 1a and 2a specify riot, nothing else.