Well I learn something every day. (And I did say that I'm spectacularly unlearned in the law). I'll have to try this at the next crack den, or home of a mentally ill person I go to when I trip over *something*. So a question - The gasman comes to my house and while walking upstairs the bulb goes. He trips and falls on his face - am I still liable? And how much will he get considering I don't have home insurance? Seems that this is one of the letter of the law Vs. Spirit of the law scenarios. Thanks for the comments. (And how many people might be making dodgy claims now this has hit the news)