6. Reasonable Care

Question 1

What is reasonable care within a policy?

Answer 1

Can apply to policy as a whole or with regard to specific aspects of the policy

Question 2

What does reasonable mean?

Answer 2

• Reasonable care to be taken by PH
• Some mishaps may not have happened if the PH demonstrated reasonable care

Question 3

Who is the judge of adequacy of reasonable care?

Answer 3

Courts and arbitration services such as FOS

Question 4

What is FOS view on reasonable care?

Answer 4

PH has not exercised reasonable care if they have been reckless or in some way courted danger

Question 5

FOS are critical of exclusions that…

Answer 5

1. Dramatically reduce range of cover actually provided from that set out in the cover section of the policy.
2. Exclude cover unless PH exercise a degree of care over their possessions or well-being which goes significantly beyond the degree of care most of us actually exercise