As a driver, if a cow steps out in front of the car and beef on bumper contact is made, who is to blame: you or the farmer?
This has always been a murky issue in the courts, but a landmark ruling recently helped a motorcycle rider recover his full medical expenses after a collision.
The cow had escaped from the farm onto the open road, after ramblers passing along a public footpath that crossed the farmer's land left a gate open.
The rider was a policyholder of Allianz Cornhill Legal Protection and had a fully underwritten uninsured loss recovery policy at the time of purchasing his motorcycle insurance.
This meant he had immediate access to a specialist injury solicitor from day one.
On going to court, ironically the judge, Recorder Bullock (yes, Bullock!) found the farmer negligent due to not carrying out a risk assessment, installing a stile, cattle grid or self-closing mechanism, nor attaching a warning sign to the gate.
Hosted by comedian and actor Tom Allen, 34 Gold, 23 Silver and 22 Bronze awards were handed out across an amazing 34 categories recognising brilliance and innovation right across the breadth of UK general insurance.
