Quote:
| Originally Posted by Jimmy hat diver for the sake of £40/50 a year is it not worth paying your LDS to do the service who are ins and trianed by the company's that make them. |
The shop is not insured by the companies that make regulators - they should have normal third pary liability.
Insurance companies generaly are keen to avoid paying anything and fatalities are expensive. I would not expect much help from them.
If you can show the shop to be negligent and as a result the reg suffered (for example) an HP seat failure the estate of the diver would have to sue the shop.
In your example - with twins - the seat failure should be controlled by isolating that 1st stage. The insurance company would claim (and with some justification) diver negligence or incompetence.
On a rec rig the failure would be harder to control, but as divers have experienced this and lived the insurance guys would still have a case.
That said I cannot see why the seat would fail if either a shop or a DIY person had checked the IP and done the job properly. Most likely a shop will have charged for a new seat and re-used the old one if this failure occured.
If you do it yourself and its your regs its your problem. Your life insurance will almost certainly pay out. Since many people die through their own incompetence or stupidity (smoke anyone ?) the insurance company takes this into account in its premium.
If you take money for servicing someone else's regs you are a business and need insurance. Without the service course you will not get it. If you still go ahead you are a fool...
Chris