I have just checked the fine print on my insurance policy and I can assure
you that it is loaded in favour of the Insurance company not the policy
holder. To allow access for birders other than on an occasional or
infrequent visit would require an endorsement on the policy for the activity
which is obviously not a farming or agricultural activity. Knowing insurance
companies, this would probably include additional conditions and a hefty
hike in premiums. I am obliged to take all reasonable steps to ensure the
safety of any person on my property, including those entering without my
knowledge or permission. To further cover myself from claims I should also
sight the insurance policy of any contractor or tradesman that I engage to
carry out any work on the property. A person appears to have a right to
enter my property from the gate to the front door "for a legitimate
purpose". If, for example, I did not answer the door and they then moved to
the rear or the house or to any other part of the property it could then
become a trespass. The world has become litigation made.
Warren Thompson
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