A broker told Backchat of a claim involving a not-so Handy Andy. The intrepid carpenter had his own handsaw tailor-made by a blacksmith. He used it for three years without a hitch. But one day, the saw snagged - the blade flicked back and nicked his wrist, severing a ligament.

As a professional chippy it is a major risk in the job. But two years later he made a claim against the blacksmith. And the liability? The blacksmith should have given him instructions on how to use it.

If you have experienced any unbelievable claims, let us know by emailing
andy@instimes.co.uk .

A bottle of bubbly for the most ridiculous claim.

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