The £1300 AFDD consumer unit

Interesting question regards the insurance company.


My take on it, is:

• without the SPD fitted, the insurance company could say that the cost of damage clearly shows that SPDs should have been fitted in accordance with BS 7671. Since they weren't, perhaps no payout, or a letter saying "We'll pay out this time, but not next time if no SPDs fitted."

• with SPDs fitted, the get-out isn't there. I guess the insurance company wouldn't want to get tangled up with the SPD manufacturer, so they just pay out? At least the owner of the installation can say they have all reasonable precautions in place to help prevent the event?

I've had a few such occurrences, where SPDs (or other precautions) were in place, and damage was caused by switching events or similar during large construction contracts causing damage to equipment - these paid out. I've also been involved in another case of switching events during supply cut-over caused extensive damage to remote terminal unit electronics, no SPDs (or other precautions) fitted, and it was declared the design specification was inadequate - no pay-out.

Interesting question regards the insurance company.


My take on it, is:

• without the SPD fitted, the insurance company could say that the cost of damage clearly shows that SPDs should have been fitted in accordance with BS 7671. Since they weren't, perhaps no payout, or a letter saying "We'll pay out this time, but not next time if no SPDs fitted."

• with SPDs fitted, the get-out isn't there. I guess the insurance company wouldn't want to get tangled up with the SPD manufacturer, so they just pay out? At least the owner of the installation can say they have all reasonable precautions in place to help prevent the event?

I've had a few such occurrences, where SPDs (or other precautions) were in place, and damage was caused by switching events or similar during large construction contracts causing damage to equipment - these paid out. I've also been involved in another case of switching events during supply cut-over caused extensive damage to remote terminal unit electronics, no SPDs (or other precautions) fitted, and it was declared the design specification was inadequate - no pay-out.