Fire combustibility exclusion clause professional indemnity insurance.

Hi, am I right in thinking the Fire Combustibility Exclusion Clause is applicable in situations where AFDDs have not been installed, thereby implying that failing to install these devices could lead to an exclusion of coverage under this clause?

AFDDs  should probably be a direct question to AXA  or whoever your insurer is  for clarification - This is a more general  notice and seems to be more about building regs and how things burn in a fire (combustibility) and while the AFFDs probably do burn, no more than an MCB of the same size.

More immediately for electricians the prospect of less insurance cover should have a chilling effect on the folk busy drilling holes in double plasterboard ceilings for trendy lights, and removing and not replacing the fire stopping in trunking that carries cables between partitions in a building.

PVC trunking instead of metal overhead over the exit doors anyone ?  I can already see a move away from PVC, and given how horrible it is when it burns, it can't come soon enough.

The main building reg for fire is part B   and I suspect primarily the insurers are not wanting to cover claims against builders who have compromised fire safety (flammable fixtures or cladding perhaps) or fail to provide correct escape routes or the right sort of fire doors - an issue  that seems to be very common if the reports are to be believed.

Given how much has not been spotted in the past It also makes you wonder if building control are up to the task ahead of them with even more to check for.

Mike.

AFDDs  should probably be a direct question to AXA  or whoever your insurer is  for clarification - This is a more general  notice and seems to be more about building regs and how things burn in a fire (combustibility) and while the AFFDs probably do burn, no more than an MCB of the same size.

More immediately for electricians the prospect of less insurance cover should have a chilling effect on the folk busy drilling holes in double plasterboard ceilings for trendy lights, and removing and not replacing the fire stopping in trunking that carries cables between partitions in a building.

PVC trunking instead of metal overhead over the exit doors anyone ?  I can already see a move away from PVC, and given how horrible it is when it burns, it can't come soon enough.

The main building reg for fire is part B   and I suspect primarily the insurers are not wanting to cover claims against builders who have compromised fire safety (flammable fixtures or cladding perhaps) or fail to provide correct escape routes or the right sort of fire doors - an issue  that seems to be very common if the reports are to be believed.

Given how much has not been spotted in the past It also makes you wonder if building control are up to the task ahead of them with even more to check for.

Mike.