3.9 million people have had a child injured on their property in the last 12 months
Three in five UK adults unaware that they can be sued as a result of an injury sustained to a child on their property
Direct Line has seen claims of up to £100,000 for personal injury to children
New research from Direct Line Home Insurance reveals that 3.9 million (16 per cent) UK adults have had a child injure themselves on their property in the last 12 months1.
This is a scary prospect as 59 per cent of Brits are unaware that they can be sued by the parent of child injured on their property, such as if they fell off a bouncy castle or trampoline. Direct Line has handled claims ranging from £20,000 to £100,000 for children getting injured on bouncy castles, trampolines and rope swings2. The value of these claims would force many parents to have to sell their family home to meet the size of these pay outs, if they did not have insurance cover.
The most common cause of injuries are bouncy castles and trampolines which have led to almost one in 10 (nine per cent) cases of child injuries. This is followed by slides (including water slides) (seven per cent) and climbing frames and trees (six per cent).
While many parents would blame the adult for poor supervision, the research shows that this in fact may not play a big part in preventing injuries. In four out of five cases (82 per cent), children were under supervision when the incident occurred whereas in only 16 per cent of situations children were unsupervised.
Katie Lomas, head of Direct Line home insurance, said: “Children are no strangers to bumps and bruises and get up to all kinds of mischief which often involves climbing or jumping off things. With this in mind, it is worth noting that if a child is injured on your property it could land you in hot water, potentially costing thousands of pounds in legal fees. It’s not about banning fun; it’s all about ensuring that entertaining children doesn’t become a legal nightmare.”
“If you regularly look after friends’ or families’ children or are throwing a kids party on your property it is worth investigating whether your home insurance comes with public liability cover, as this could save you money and hassle in the long run.
Beware the six year old
Direct Line’s research shows that in one in five (20 per cent) injuries to children involve six year olds, making this the most injurious age. This is followed by five year olds and seven year olds, both accounting for14 per cent of incidents. Rates of injury fall as children grow up, with only six per cent of injuries involving 10 year olds and only three per cent of cases affecting 12 year olds.