£540 is a sizable chunk of money, but is within the reach of most people, though what happens if a Lipo fire hadn't just damaged the carpet and the building burnt down. Would the individual have to pay the £100k's to have it rebuilt.
Maybe for clarity a list of what is/isn't included by the insurance would be helpful. As what happens if a part you've made breaks on a car and it careers off the track and hits someone. Since it was a homemade part would you be liable? The list of scenarios is endless.....so please can we have some guidance.
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