The more you post Mike the more you worry some of us and the more you conform almost exactly to the type of 'detailer' I was talking about earlier on. Some of the things you've said this morning have astounded me, I mean the one about 'if the laquer is thin enough to strike through it was going to happen anyway' was astounding.
If you are doing cars for anyone but your Mum or your best mate, and taking money for it, then you are doing it on a professional basis. It doesn't matter that you think you dont charge much (Though frankly £100 sounds like an awfully lot of money for a day of your time given you insist this is just a hobby), it doesn't matter that its something you do on the side.
You are charging money to customers in return for a service. You are, therefore, a pro. You don't get to decide whether its your problem or not if you cause damage to a customers vehicle. Its not your choice. Liability for damage is not decided on a sliding scale based on how much they pay you. Responsibility isn't a luxury item a customer choses based on how much they pay. People dont buy insurance so they can offer customers peace of mind. They buy insurance because if they dont, and they screw a car up, they could get themselves sued.
You charge people for work? You pay if you break it. It really is that simple.
I suggest you either learn, fast, about what liability is, or you restrict your 'activity' to close friends and family only.
And guess what - you dont get the option of sending it to your mates bodyshop if the customer doesn't that. And that verbal 'agreement' that if you trash the car its not your problem isnt worth a single thing.
If you cant handle the risk involved with being a pro, don't charge people for your 'services'. If you continue to operate the way you do now all you are doing is pretty much justifying the opinion of many that this market is crammed full of chancers who think they are pro because they can use a polishing machine, but will cut and run at the sight of trouble.
If you are doing cars for anyone but your Mum or your best mate, and taking money for it, then you are doing it on a professional basis. It doesn't matter that you think you dont charge much (Though frankly £100 sounds like an awfully lot of money for a day of your time given you insist this is just a hobby), it doesn't matter that its something you do on the side.
You are charging money to customers in return for a service. You are, therefore, a pro. You don't get to decide whether its your problem or not if you cause damage to a customers vehicle. Its not your choice. Liability for damage is not decided on a sliding scale based on how much they pay you. Responsibility isn't a luxury item a customer choses based on how much they pay. People dont buy insurance so they can offer customers peace of mind. They buy insurance because if they dont, and they screw a car up, they could get themselves sued.
You charge people for work? You pay if you break it. It really is that simple.
I suggest you either learn, fast, about what liability is, or you restrict your 'activity' to close friends and family only.
And guess what - you dont get the option of sending it to your mates bodyshop if the customer doesn't that. And that verbal 'agreement' that if you trash the car its not your problem isnt worth a single thing.
If you cant handle the risk involved with being a pro, don't charge people for your 'services'. If you continue to operate the way you do now all you are doing is pretty much justifying the opinion of many that this market is crammed full of chancers who think they are pro because they can use a polishing machine, but will cut and run at the sight of trouble.