Tales of warranties that attempt to exclude all claims are legion. So when a bar in Scotland received an extremely competitive quote from First Light Underwriting Agency for its commercial policy, the warranties were carefully scrutinised.
And sure enough, the bar manager spotted a warranty that said: "Except when actually in use, all safes and any area used for the storage of wines and spirits, tobacco, cigars, cigarettes will be kept locked and all keys removed to a place of safekeeping."
The manager imagined having to let the punters in one by one, closing and locking the door behind each one as the entire bar could be considered a storage area for wines, spirits and tobacco.
That is until the agency clarified that "in use" meant the entire time pub was open.
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.
