local legal info - Insurance Articles 15784

Marina Insurance
If you need to buy Marina Insurance you may well have been given a number of different policy wordings from a variety of companies, this is a guide is to help you decide what sort of policy would suit you more and give you the exact cover you need. You have to look for value for money the cheapest is not always the best. A. cheaper policy may end up costing you a lot more money in the long run, should you have to make a claim. Your needs will be different to everyone else`s and only you can decide if wider cover is important to you. It is essential though, to understand what is being offered to you, before being able to make an informed decision and signing up for any Marina Insurance .There are a few things to think over before you decide .Firstly there is third Party Liability you should not consider going anywhere on the water without liability insurance, which will cover you if you cause damage to another boat or cause injury to any person. The industry standard provides a limit of �2,000,000 and should be sufficient in the UK. Comprehensive Cover will provide cover for your boat against accidental damage, theft, fire and vandalism which is a great risk to any boat. Lastly do not forget to insure for any laid up cover some companies may insist it is laid ashore between certain dates.

Defamation of character can be a serious business in the UK. But what exactly is slander? And what is libel? Both are defined as a false statement made by one individual about another individual with the intent to harm defamed person`s reputation in some way. The statement qualifies as slander if it is delivered verbally, whereas the statement is libel if it is published in some other way (for example by being written, or televised). To win a defamation case, you must generally act within 1 year of the defamation, and you need to prove to the court`s satisfaction that:-

The statement harms your reputation (an insult, for example, wouldn`t do it. Politicians, too, are essentially `un-defamable` for this very reason).
A third party was involved. Saying it just to you doesn`t count.
That third party could identify you from the statement (an anonymous statement isn`t libelous).

Additionally, in the opinion of counsel above and beyond advice available to www.lawyersbench.com, slander requires you to show that you have suffered either financial loss or that your business, trade or professional reputation was damaged, or that you have been accused of one or more of the following:-

Of having committed a criminal offence
Of having a contagious disease
Of immoral conduct (women only!)

So what can you do if you think you have been slandered or libeled? There are several possible course of action beyond ignoring it and not drawing attention. First, you could demand an apology. If the statement really is defamatory, a lawyer`s letter will usually do the trick. The second response might be to approach the professional body that regulates the channel thru which the defamation occurred (such as the Press Complaints Commission if the statement came via the UK press).

Thirdly, you could use section 2 of the Defamation Act 1996 with the assistance of a lawyer to get them to stop. Fourthly, an injunction can be applied for via the courts. You final recourse, is to sue - the course most people are aware of. What they may NOT be aware of is how expensive this can get. There is no Aid or public funding for such cases, so unless your pockets are very deep, this must be your last resort, particularly as if you lose, you could end up paying the other side`s costs too!

If it does go to court, the accused has several possible defenses above and beyond the standard defense of `the statement is true`. They could argue that they never made the statement, or that the statement did no damage, or wasn`t even defamatory. The bottom line is, before you get upset and ring a lawyer, think hard on the subject!