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Accident at Work

Can My Employer Sack Me for Making a Work Injury Claim?

Can My Employer Sack Me for Making a Work Injury Claim?

LEGAL GUIDE · ENGLAND & WALES

June 2026

Fear of losing their job is the single most common reason injured workers give for not making an accident at work claim. It is understandable — but in the vast majority of cases, it is unfounded. The law in England and Wales gives you strong protection against dismissal and unfair treatment for bringing a workplace injury claim, and those protections apply from day one of your employment.

This guide explains exactly what the law says, what “automatically unfair dismissal” means, and what you can do if your employer does retaliate.

Short answer: No. Dismissing you because you have made — or intend to make — an accident at work claim is automatically unfair dismissal under the Employment Rights Act 1996. You can bring an employment tribunal claim with no qualifying period of employment. There is also a practical reason employers rarely retaliate: they are not the ones paying your compensation.

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The Legal Protection — Automatically Unfair Dismissal

Under section 100 of the Employment Rights Act 1996, it is automatically unfair to dismiss an employee where the reason — or the principal reason — for dismissal is related to health and safety. This includes dismissing an employee for:

  • Carrying out activities designated to them in connection with preventing or reducing risks to health and safety at work
  • Performing the functions of a health and safety representative
  • Bringing to the employer’s attention a reasonable concern about health and safety at work
  • Leaving, or refusing to return to, a place of work in circumstances of serious and imminent danger
  • Taking appropriate steps to protect themselves or others from serious and imminent danger

Making an accident at work compensation claim falls squarely within this protection. Your employer cannot lawfully dismiss you for exercising your legal right to seek compensation for an injury that was their fault.

No Qualifying Period — From Day One

One of the most important aspects of this protection is that it applies from the first day of your employment. Ordinary unfair dismissal claims under the Employment Rights Act require two years’ continuous employment before you can bring a claim. The section 100 automatic unfair dismissal protection has no such qualifying period. You can be dismissed on your first day of employment and still bring a successful tribunal claim if health and safety was the reason.

Protection Against Detriment — Not Just Dismissal

Beyond dismissal, section 44 of the Employment Rights Act 1996 protects employees against any detriment — not just being sacked. Detriment means any action by your employer that puts you at a disadvantage, including:

  • Demotion or removal of responsibilities
  • Being passed over for promotion
  • Being given a poor performance review in retaliation
  • Being treated less favourably than colleagues
  • Being subjected to harassment or a hostile work environment
  • Having your hours cut or your contract changed against your will

If any of these happen after you make or signal your intention to make a claim, you may have a claim for detriment in addition to — or instead of — unfair dismissal.

Why Employers Rarely Retaliate in Practice

There is an important practical reality that most workers are not aware of: your employer does not pay your compensation personally. All employers with one or more employees are legally required to hold Employers’ Liability insurance under the Employers’ Liability (Compulsory Insurance) Act 1969. Your compensation is paid by the insurer — not directly by your employer’s business funds.

This removes the primary financial incentive for an employer to want to prevent your claim. Most employers know that retaliating against an injured worker creates a second, entirely separate legal liability — an employment tribunal claim — on top of the personal injury claim they are already dealing with through their insurer.

If you are dismissed or treated unfairly after reporting an accident or starting a claim, you should take separate legal advice on an employment tribunal claim immediately. The time limit for bringing an employment tribunal claim is three months less one day from the dismissal or act of detriment (subject to ACAS early conciliation). This is much shorter than the three-year personal injury limitation period — do not delay.

What If You Are in a Probationary Period?

The automatic unfair dismissal protection under section 100 applies regardless of whether you are in a probationary period. Probation periods have no legal effect on the protection against health and safety dismissals — they only affect the qualifying period for ordinary unfair dismissal claims. If you are dismissed during probation for making or threatening a workplace injury claim, you have the same rights as any other employee.

What If You Are in a Probationary Period?

  1. Document everything — keep records of any changes in your treatment, any conversations where your claim is mentioned, and any written communications from your employer
  2. Raise a grievance — put your concerns in writing to your employer via the formal grievance procedure. This creates a paper trail and shows you attempted to resolve the matter internally
  3. Contact NJS Law immediately — we can advise on both your ongoing personal injury claim and whether you need separate employment law advice for the retaliation
  4. Act quickly on the tribunal time limit — three months less one day is a strict limit. Contact ACAS to begin early conciliation as soon as possible

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Frequently Asked Questions

Can my employer sack me for making a compensation claim for a work accident?

No. Dismissing you because you have made — or intend to make — a workplace injury claim is automatically unfair dismissal under section 100 of the Employment Rights Act 1996. This protection applies from day one of your employment, with no qualifying period. You can bring an employment tribunal claim if this happens.

Employment tribunals look at the real reason for dismissal, not just the stated reason. If the timing of your dismissal closely follows your accident report or claim notification, and if there is other evidence of retaliation, a tribunal can find that the health and safety reason was the principal cause — even if your employer gives a different explanation. Documenting everything contemporaneously is critical.

Workers on zero-hours contracts have the right not to suffer detriment for health and safety reasons under section 44 of the Employment Rights Act 1996. While the section 100 automatic unfair dismissal claim requires “employee” status (which most zero-hours workers have), the detriment protection is broader and covers workers as well. If your hours are cut or your contract ended after you reported an accident, you should take advice on your options.

This is a concern many workers raise. In practice, the claim is handled between your solicitor and your employer’s insurer — your colleagues are unlikely to be directly involved unless they are witnesses. Most colleagues who are witnesses understand that providing a statement is helping a friend access their legal rights, not causing harm to the business.

This article is for general information only and does not constitute legal advice. For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of accident at work claims, including eligibility, time limits and the claims process, see NJS Law’s accident at work claims service page.

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Accident at Work

RIDDOR Explained — What Gets Reported and Why It Matters to Your Claim

RIDDOR and Workplace Accidents

LEGAL GUIDE · ENGLAND & WALES

June 2026

If you have been seriously injured at work, your employer may have been legally required to report your accident to the Health and Safety Executive (HSE). The law that governs this obligation is called RIDDOR — the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013. Understanding RIDDOR is useful if you are making an accident at work claim, because a RIDDOR report can provide valuable independent evidence that your accident occurred and that your injuries were serious.

This guide explains what RIDDOR is, what must be reported, and what it means for your compensation claim — whether your employer filed a report or failed to.

In plain English: RIDDOR requires employers to report certain workplace accidents to the HSE. A RIDDOR report is an official record made at the time of the accident — before any dispute about your claim arises. That makes it powerful evidence.

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What Does RIDDOR Stand For?

RIDDOR stands for the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013 (SI 2013/1471). It replaced earlier versions of the same regulations and is enforced by the Health and Safety Executive (HSE) in England and Wales.

What Must Be Reported Under RIDDOR?

RIDDOR creates reporting duties for four main categories:

1. Deaths

All work-related deaths must be reported to the HSE immediately.

2. Specified Injuries to Workers

These are serious injuries that must be reported immediately (by telephone) and confirmed in writing within 10 days. Specified injuries include:

  • A fracture, other than to a finger, thumb, or toe
  • Amputation of an arm, hand, finger, thumb, leg, foot, or toe
  • Any injury likely to lead to permanent loss of sight or reduction in sight
  • Any crush injury to the head or torso causing damage to the brain or internal organs
  • Serious burns covering more than 10% of the body, or causing damage to the eyes, respiratory system, or other vital organs
  • Any degree of scalping requiring hospital treatment
  • Loss of consciousness caused by head injury or asphyxia
  • Any other injury arising from working in an enclosed space requiring resuscitation or admittance to hospital for more than 24 hours

3. Over-Seven-Day Injuries

Where a worker is incapacitated from their normal work duties for more than seven consecutive days (not counting the day of the accident), the employer must report this to the HSE within 15 days of the accident. This is a common scenario in moderate workplace injury cases — and means many more claims involve a RIDDOR report than workers realise.

4. Occupational Diseases

Employers must report certain occupational diseases when a worker is diagnosed with a condition caused by their work. Reportable conditions include: carpal tunnel syndrome (from vibration), cramp of the hand or forearm (from repetitive work), occupational dermatitis, hand-arm vibration syndrome (HAVS), occupational asthma, tendonitis or tenosynovitis in the hand or forearm, and any occupational cancer.

5. Dangerous Occurrences (“Near Misses”)

Certain near-miss events that had the potential to cause serious injury must also be reported — including scaffold collapses, unintended explosions, accidental releases of biological agents, electrical short circuits causing fire, and the collapse of lifting equipment.

How Does a RIDDOR Report Help Your Claim?

A RIDDOR report is made at the time of the accident, before any dispute about liability arises. This means it is an independent contemporaneous record, not something reconstructed later. It can help your claim in several ways:

  • It confirms the accident occurred on the date and at the location you state
  • It confirms the seriousness of your injuries — the employer’s own reporting triggers when injuries meet defined thresholds
  • It shows the employer was aware of the accident at the time
  • A copy of the report can be obtained through a Freedom of Information request to the HSE, or through disclosure in litigation

What If My Employer Did Not File a RIDDOR Report?

Failing to file a required RIDDOR report is a criminal offence under the Regulations. It does not prevent you from making a compensation claim, but it can work in your favour:

  • It suggests the employer did not take the accident — or their legal obligations — seriously
  • It is potential evidence of a poor health and safety culture
  • It may prompt an HSE investigation, particularly for serious accidents

Your solicitor can ask the HSE whether a RIDDOR report was ever filed for your accident and, if not, can note the failure in the Letter of Claim to the defendant’s insurer.

Common misconception: Workers sometimes believe that if no RIDDOR report was filed, they have no evidence and therefore no claim. This is wrong. Medical records, witness evidence, photographs, and your own account are all independent evidence of the accident. A missing RIDDOR report is relevant but not fatal to a claim.

How to Find Out If a RIDDOR Report Was Filed

Your solicitor can request this information on your behalf. Options include:

  • Requesting disclosure of any RIDDOR report from your employer in the pre-action protocol process
  • Making a Freedom of Information (FOI) request to the HSE for any reports filed relating to your accident
  • If an HSE investigation was carried out following your accident, the investigation records may include the RIDDOR report

Want to know whether a RIDDOR report was filed for your accident? NJS Law will find out and advise you as part of your free initial assessment.

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Frequently Asked Questions

What is RIDDOR?

RIDDOR stands for the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013. It requires employers and certain other duty holders to report specified workplace accidents, occupational diseases, and dangerous occurrences to the Health and Safety Executive (HSE). It is enforced by the HSE and failure to comply is a criminal offence.

No. Only accidents resulting in specified injuries, deaths, over-seven-day incapacity, certain occupational diseases, or defined dangerous occurrences must be reported. Minor accidents causing less than seven days’ absence do not trigger a RIDDOR reporting duty — though they should still be recorded in the accident book.

Yes. Your solicitor can obtain this through the pre-action disclosure process — by requesting all accident-related documentation from your employer — or through a Freedom of Information request to the HSE. If an HSE investigation was conducted following the accident, records from that investigation may also be available.

Tell your solicitor. Discrepancies between what a RIDDOR report states and your account of events are not uncommon — employers sometimes file inaccurate reports that minimise their own responsibility. Your solicitor can challenge an inaccurate RIDDOR account with medical records, witness evidence, and photographs taken at the time.

This article is for general information only and does not constitute legal advice. For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of accident at work claims, including eligibility, time limits and the claims process, see NJS Law’s accident at work claims service page.

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Accident at Work

Manual Handling Injury at Work Claims

Manual Handling Injury at Work Claims

LEGAL GUIDE · ENGLAND & WALES

June 2026

Back injuries, shoulder strains, and wrist injuries caused by lifting, carrying, pushing, or pulling at work are among the most common workplace injuries in England and Wales. The HSE consistently reports that manual handling accounts for over a third of all workplace injuries resulting in more than seven days off work — and many of these injuries are entirely preventable. Read More about Manual Handling Injury Claims.

If you have been injured because your employer failed to manage the risk of manual handling properly, you may be entitled to claim compensation under the Manual Handling Operations Regulations 1992. This guide explains your rights and how to claim.

Key legislation: The Manual Handling Operations Regulations 1992 (as amended) place specific legal duties on employers to avoid, assess, and reduce the risk of injury from manual handling tasks. These duties exist alongside the general duties under the Health and Safety at Work etc. Act 1974 and the Management of Health and Safety at Work Regulations 1999.

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What Is Manual Handling?

Under the Regulations, manual handling means any transporting or supporting of a load by hand or bodily force — including lifting, putting down, pushing, pulling, carrying, or moving. A “load” can be any moveable object, including a person (which brings the Regulations into care and healthcare settings).

Manual handling injuries can be caused by a single sudden event — lifting something too heavy — or by the cumulative effect of repeated strain over weeks, months, or years. Both types of injury can give rise to a valid compensation claim.

What Must Your Employer Do?

The Regulations impose a three-step hierarchy on employers:

Step 1 — Avoid Manual Handling Where Reasonably Practicable

If the manual handling task can be mechanised or otherwise avoided — through the use of trolleys, hoists, conveyor systems, or restructured work methods — the employer must consider doing so.

Step 2 — Carry Out a Suitable and Sufficient Risk Assessment

Where manual handling cannot be avoided, the employer must assess the risk of injury. The Regulations require assessment of four key factors:

  • The task — does it involve awkward postures, twisting, repetitive movements, or carrying over long distances?
  • The load — is it heavy, bulky, unstable, difficult to grip, or likely to shift?
  • The working environment — is there restricted space, uneven floors, poor lighting, or extreme temperatures?
  • Individual capability — does the worker have any known health conditions, is the task appropriate for their physical capacity, and have they received specific training?

Step 3 — Take Steps to Reduce the Risk of Injury

Following the risk assessment, the employer must take all reasonably practicable steps to reduce the risk — introducing mechanical aids, adjusting the task, providing training, or rotating staff to limit repetitive exposure.

There is no legal maximum weight: The Regulations do not set a fixed maximum weight a worker may lift. The HSE publishes guideline figures — for example, around 25kg for a man in an ideal lifting position — but these are a risk assessment tool, not a legal limit. An employer cannot argue that a load was within “the limit” to escape liability; the question is always whether the risk was properly assessed and controlled.

Common Manual Handling Injuries and Compensation Ranges

The injuries most commonly seen in manual handling claims, and their approximate ranges under the Judicial College Guidelines (18th edition, April 2026):

Injury Type

Severity

Approximate Range

Back injury

Minor (full recovery)

£2,300 – £12,510

Back injury

Moderate (lasting symptoms, some disability)

£12,510 – £38,780

Back injury

Severe (permanent significant disability)

£38,780 – £169,400+

Shoulder injury

Serious (surgery, lasting impairment)

£19,200 – £48,030

Wrist injury

Moderate (some lasting impairment)

£13,370 – £29,260

Hernia

Uncomplicated single hernia

£3,390 – £7,900

Knee injury

Moderate (lasting symptoms)

£14,840 – £26,190

In addition to general damages for your injury, you can recover all financial losses — lost earnings, medical treatment, physiotherapy, and care costs. See our guide: Average Personal Injury Compensation Payouts in the UK.

What Evidence Supports a Manual Handling Claim?

  • The absence of a risk assessment — your solicitor can request all risk assessment documentation from your employer as part of the pre-action disclosure process
  • Training records — if your employer cannot show you were given adequate manual handling training, that is strong evidence of a breach
  • Medical records — GP and physiotherapy records linking your injury to the specific task
  • Accident book entry and any RIDDOR report filed by your employer
  • Witness evidence from colleagues who performed the same task

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Time Limit for Manual Handling Injury Claims

Three years from the date of injury under the Limitation Act 1980. Where the injury developed gradually over time (for example, a repetitive strain injury), the three years may run from the date you first knew — or ought reasonably to have known — that the injury was caused by your work. For full details: Personal Injury Claim Time Limits in England and Wales.

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Frequently Asked Questions

Can I claim for a back injury from lifting at work?

Yes, if your employer failed to carry out an adequate risk assessment, did not provide proper training, or required you to handle loads in a way that created an unreasonable risk of injury. Back injuries are the most common manual handling claim and NJS Law handles them on a No Win, No Fee basis.

Yes. Even if you had a pre-existing back condition, your employer is liable for any aggravation or acceleration of that condition caused by their failure to manage manual handling risk properly. Courts apply the “eggshell skull” principle — an employer must take their workers as they find them, including any existing vulnerability.

Possibly, but only to a limited extent. The duty to risk assess and provide safe systems of work rests with the employer — it cannot be transferred to the employee by simply telling them to “ask for help if they need it.” If no safe system was in place and no mechanical aid was available, the employer’s responsibility is primary.

Both types of injury are claimable. A single lifting incident causing an acute injury is the most straightforward scenario. Cumulative strain injuries — where years of repetitive manual handling have caused a chronic condition — can also be claimed for, provided you can show your employer failed to assess and manage the risk of that repetitive exposure.

This article is for general information only and does not constitute legal advice. For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of accident at work claims, including eligibility, time limits and the claims process, see NJS Law’s accident at work claims service page.

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Accident at Work

Falls from Height at Work Claims

Falls from Height at Work Claims

LEGAL GUIDE · ENGLAND & WALES

June 2026

Falls from height are consistently the leading cause of fatal workplace injury in England and Wales. The Health and Safety Executive (HSE) records that falls from height account for the largest single category of fatal accidents to workers each year — and many more workers suffer serious, life-changing injuries that are never fatal but affect them for the rest of their lives.

If you have been injured in a fall from height at work — whether from a ladder, scaffold, roof, mezzanine floor, or any elevated working area — your employer may have breached their legal duties under the Work at Height Regulations 2005. If they did, you are entitled to claim compensation on a No Win, No Fee basis.

Key fact: The Work at Height Regulations 2005 apply to any work where a person could fall a distance liable to cause personal injury — including falls through fragile surfaces, falls into excavations, and even falls from ground level into machinery or openings. There is no minimum height below which the Regulations cease to apply.

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What Does “Work at Height” Mean?

Under Regulation 2 of the Work at Height Regulations 2005, work at height means work in any place — including a place at or below ground level — from which a person could fall a distance liable to cause personal injury. This definition is deliberately broad and covers a wide range of workplaces and situations:

  • Working on ladders, stepladders, and access towers
  • Working on or near scaffolding
  • Roof work — including on fragile roofs or through skylights
  • Working on mezzanine floors, elevated platforms, or cherry pickers
  • Working near unprotected edges, openings, or excavations
  • Working on lorry trailers, elevated lorry beds, or dock levellers
  • Warehouse and racking work at height
  • Construction scaffolding, formwork, and temporary structures

What Duties Does Your Employer Have?

The Work at Height Regulations 2005 impose a clear hierarchy of controls on employers and those who control workplaces. They must, in order:

1. Avoid Work at Height Where Reasonably Practicable

The first obligation is to avoid the need for work at height altogether. If the task can be performed safely from ground level — for example, using a long-handled tool or repositioning equipment — the employer must consider this option first.

2. Prevent Falls Where Work at Height Cannot Be Avoided

Where work at height cannot be avoided, the employer must take steps to prevent a fall occurring. This means using collective fall prevention measures first — such as scaffolding with guardrails, edge protection, or working platforms with toe boards. Personal fall protection (such as harnesses) is a secondary measure, not a first choice.

3. Minimise the Consequences of a Fall

Where a fall cannot be completely prevented, the employer must put in place measures to minimise the distance and consequences — such as safety nets, airbags, or soft landing systems.

In addition, all equipment used for work at height must be appropriate, properly inspected, and maintained. Workers must be trained and competent to use it. Where pre-existing conditions (such as a fragile roof) create a risk, suitable measures must be in place before work begins.

Ladder rule: A ladder is only suitable for short-duration work (usually no more than 30 minutes in any one period) where a risk assessment confirms it is appropriate. Using a ladder as a default working platform for prolonged tasks — or where a more stable option was available — is a common breach of the Regulations.

Who Is Liable for Your Injuries?

  • The principal contractor (on construction sites) — responsible for coordinating health and safety across the site under the Construction (Design and Management) Regulations 2015
  • The occupier of the premises — responsible for the condition of the building or structure you were working on
  • A scaffold hire company or contractor — if defective or improperly erected scaffolding caused your fall
  • A maintenance contractor — if they installed, inspected, or signed off on defective equipment

More than one party may share liability. Your solicitor will identify all responsible parties and pursue each to ensure you receive the full compensation you deserve.

What Compensation Can You Claim?

Falls from height frequently cause serious and life-changing injuries. Compensation is assessed using the Judicial College Guidelines (18th edition, April 2026):

Injury

Severity

Approximate Range

Back injury

Moderate (lasting symptoms)

£12,510 – £38,780

Back injury

Severe (permanent disability)

£38,780 – £169,400+

Leg fracture

Moderate to serious

£27,760 – £130,930

Pelvis / hip fracture

Significant

£39,170 – £52,500

Wrist fracture — complete recovery

Minor

£3,530 – £5,870

Shoulder injury — serious

Surgery required

£19,200 – £48,030

Head / brain injury

Moderate to severe

£90,720 – £379,100+

Spinal cord injury — paraplegia

Severe

£219,070 – £322,060+

In addition, you can recover all financial losses — lost earnings (past and future), medical and rehabilitation costs, care costs, and any adaptations your home may need. For a full explanation of how compensation is calculated, see: General Damages vs Special Damages — What Is the Difference?

What Should You Do After a Fall from Height at Work?

  1. Seek medical attention immediately — spinal and head injuries can have delayed symptoms. Always attend A&E after a fall from height, even if you feel relatively unharmed at the time.
  2. Report the accident — ensure it is recorded in the workplace accident book. If your injuries are serious (fractures, loss of consciousness, hospitalisation), your employer must also report it to the HSE under RIDDOR 2013.
  3. Preserve evidence — photograph the work area, the equipment involved, and your injuries. Do not allow the employer to remove or repair equipment before it has been photographed and examined.
  4. Note witness details — colleagues who saw what happened are valuable witnesses.
  5. Contact NJS Law — the sooner you instruct a solicitor, the sooner evidence can be secured.

Time Limit for Falls from Height Claims

Three years from the date of your accident under the Limitation Act 1980. For children, three years from their 18th birthday. For full details: Personal Injury Claim Time Limits in England and Wales. For full details, see our guide: Personal Injury Claim Time Limits in England and Wales

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Frequently Asked Questions

Can I claim if I fell from a ladder at work?

Yes, if your employer failed to assess whether a ladder was appropriate for the task, provided a defective ladder, or did not ensure you were adequately trained. The Work at Height Regulations 2005 require that ladders are only used where risk assessment confirms they are suitable — and only for short-duration work where more stable equipment is not reasonably practicable.

You may still have a claim. On construction sites, the principal contractor is responsible for coordinating health and safety across the site under the CDM Regulations 2015, regardless of who directly employs individual workers. The occupier of the premises may also owe a duty of care. NJS Law will identify all responsible parties on your behalf.

Contributory negligence may reduce your compensation proportionally, but it does not prevent you from claiming altogether. Courts assess the relative fault of each party. Where an employer’s overall safety systems were inadequate, a worker’s individual mistake will usually be treated as a minor contributing factor rather than the primary cause.

The scaffolding contractor may be jointly liable alongside your employer. Under PUWER 1998 and the Work at Height Regulations, whoever is responsible for inspecting and approving scaffolding for use owes a duty of care to those who use it. If defective scaffolding caused your accident, claims may be made against the erecting contractor, the inspection company, and your employer.

This article is for general information only and does not constitute legal advice. For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of accident at work claims, including eligibility, time limits and the claims process, see NJS Law’s accident at work claims service page.

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Personal Injury

Interim Payments in Personal Injury Claims — What Are They and Can I Get One

Interim Payments in Personal Injury Claims — What Are They and Can I Get One?

LEGAL GUIDE · ENGLAND & WALES

June 2026

Personal injury claims can take months or years to settle. In the meantime, you may be off work, facing medical bills, requiring paid care, or needing to adapt your home. An interim payment is a payment made to you before your claim finally settles — a payment on account of the compensation you are expected to receive — so that you do not have to wait for the full settlement process to access funds you genuinely need.

This guide explains what interim payments are, when you can get one, how much you can receive, and how the process works.

In plain English: An interim payment is not an advance loan — it is part of your final compensation paid early. Whatever you receive as an interim payment is simply deducted from your total award at the end. You never pay it back.

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What Is an Interim Payment?

An interim payment is a sum of money paid to a claimant by the defendant (or their insurer) before the claim is fully resolved. It is governed by Part 25 of the Civil Procedure Rules (CPR). The payment is made on account of the damages that will ultimately be awarded or agreed — it does not prejudge the final outcome but acknowledges that you are likely to receive at least that amount in the end.

Interim payments can be made voluntarily, by agreement between the parties, or can be ordered by the court on a formal application. Multiple interim payments can be made throughout the life of a claim as your needs change.

When Can You Get an Interim Payment?

Under CPR Part 25, a court can order an interim payment if one of the following conditions is met:

  • The defendant has admitted liability — the clearest route to an interim payment
  • The claimant has obtained judgment for damages to be assessed — liability has been decided but quantum is still being determined
  • The court is satisfied that, if the case went to trial, the claimant would obtain judgment for a substantial sum against the defendant — even where liability has not yet been formally admitted

The third condition means that even in disputed cases, an interim payment may be available if the evidence strongly supports your claim and it is clear you will succeed. Your solicitor will advise whether this threshold is likely to be met in your case.

When Are Interim Payments Most Useful?

Interim payments are particularly valuable where:

You Are Off Work

If your injuries have prevented you from working and your sick pay has run out, an interim payment can bridge the gap, covering your loss of earnings while the full valuation of your claim — including future losses — is being calculated.

You Have Ongoing Medical or Rehabilitation Costs

Private physiotherapy, specialist consultations, surgery, or psychological therapy can be expensive. An interim payment allows you to access rehabilitation without waiting for the claim to settle, which also benefits your recovery and may ultimately reduce the overall value of your claim by accelerating your return to work.

You Need Care at Home

If your injuries mean you need professional care, or if family members have had to give up work to care for you, an interim payment can fund those arrangements. Courts are generally sympathetic to interim payment applications made to support genuine care needs.

You Need to Adapt Your Home or Vehicle

Where a serious injury has affected your mobility, interim funds can pay for essential adaptations — wheelchair ramps, stairlifts, adapted bathrooms, or a modified vehicle — so that your quality of life is not on hold while the claim proceeds.

Think you might need an interim payment while your claim is ongoing? Ask NJS Law — we will assess whether you qualify and apply on your behalf. Speak to a solicitor.

How Much Can You Receive as an Interim Payment?

There is no fixed maximum, but the court will not order an interim payment of more than a reasonable proportion of the likely final damages. In practice, this usually means the court will consider what the minimum likely award at trial would be — and order something less than that figure to avoid the risk of overpaying.

For example, if your total claim is likely to be worth £150,000 and liability is admitted, the court might order an interim payment of £60,000 to £80,000 — enough to meet your immediate needs while preserving headroom for the final negotiation. Your solicitor will prepare a detailed Schedule of Loss to support the application, demonstrating your actual and projected losses.

Multiple payments: You are not limited to one interim payment. As your needs change — further surgery becomes necessary, your care requirements increase, or you face additional financial losses — your solicitor can return to court or negotiate with the insurer for further interim payments. The total of all interim payments is deducted from your final award at settlement.

Do You Have to Go to Court to Get an Interim Payment?

Not necessarily. In many cases, particularly where liability has been admitted and the need is clear, a defendant’s insurer will agree to make an interim payment voluntarily, without any court application. This is often quicker and less expensive than a formal application.

If the insurer refuses or offers an inadequate amount, your solicitor can issue a formal application under CPR Part 25. The court will consider the application and, if satisfied that the conditions are met and the amount is reasonable, will make an order.

Does an Interim Payment Affect Your Final Compensation?

An interim payment is deducted from your final award at the point of settlement or judgment. It is not additional money — it is part of your compensation paid earlier. It does not affect the total amount you are entitled to, only the timing of when you receive it.

For a guide to how your final compensation is calculated, see: General Damages vs Special Damages — What Is the Difference?.

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Frequently Asked Questions

What is an interim payment in a personal injury claim?

An interim payment is a payment on account of your final compensation made before the claim settles. It is governed by CPR Part 25. The amount you receive as an interim payment is simply deducted from your total award at the end — it is not extra money and you do not pay it back.

Yes, in some circumstances. A court can order an interim payment even without an admission of liability if it is satisfied that you would obtain judgment for a substantial sum at trial. This requires strong evidence in support of your claim. Your solicitor will advise whether the threshold is likely to be met in your case and whether it is worth making a formal application.

If the defendant’s insurer agrees voluntarily, payment can be received within a few weeks of the request. If a court application is required, the timeline depends on court availability — typically 4 to 8 weeks from the date the application is issued. Your solicitor will keep the process moving as quickly as possible.

Courts will not order more than a reasonable proportion of the likely final award — typically somewhere between a third and two-thirds of the expected total, depending on the certainty of liability and the strength of the quantum evidence. Your solicitor will prepare a Schedule of Loss to support the application, setting out your actual financial needs.

Yes. There is no limit on the number of interim payments you can receive. As your circumstances change — additional surgery, increased care needs, further lost earnings — your solicitor can negotiate further payments with the insurer or return to court for additional orders. All payments are deducted from the final award.

This article is for general information only and does not constitute legal advice. For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of personal injury claims, including eligibility, time limits and the claims process, see NJS Law’s personal injury claims service page.

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Categories
Road Traffic Accident

Bus and Train Accident Claims: Your Rights as a Passenger

bus-train-accident-claims-guide

LEGAL GUIDE · ENGLAND & WALES

June 2026

Millions of people travel by bus and train every day in England and Wales. The vast majority of journeys are uneventful — but accidents do happen. Whether you were injured in a collision, thrown forward by sudden braking, fell on a wet bus step, or slipped on a train platform, you may be entitled to compensation from the transport operator responsible.

This guide explains who is legally responsible, what you can claim, and how to pursue your rights as a passenger — on a No Win, No Fee basis.

Key principle: Operators of buses, coaches, and trains owe their passengers a duty of care. As a paying passenger, you have a higher level of legal protection than, for example, someone using a public space. The operator must take all reasonable steps to ensure your safety — not just to avoid obvious hazards.

Injured on a bus, coach, or train?

Get a free assessment from our road traffic accident claims team today.

Bus and Coach Accident Claims

Bus and coach operators have a duty of care to their passengers under the law of negligence and under the Occupiers’ Liability Act 1957, which applies to the vehicle as a premises. Liability may arise from:

  • The driver’s negligent driving — excessive speed, harsh braking, failing to check the road
  • A collision with another vehicle where the other driver was at fault — a claim against the other driver’s insurer
  • A wet, slippery, or defective floor or steps on the vehicle
  • Defective handrails, grab poles, or seating
  • Failure to wait for passengers to be seated before moving off
  • A dangerous bus stop environment (poorly maintained shelter, uneven surface) — potentially a claim against the local council

Bus and coach operators are required to hold third-party passenger liability insurance under the Road Traffic Act 1988, so there will always be an insurer to claim against.

What If the Bus Was Operated by a Local Council?

Many local bus services are operated directly by or on behalf of local councils. A claim against a council-operated bus service follows the same process as a claim against a private operator — the council’s insurer responds to the Letter of Claim.

What If the Accident Involved Another Vehicle?

If the bus was involved in a collision caused by another driver, you as a passenger can claim against either the bus operator (if the driver was partly at fault), the other driver’s insurer, or both. Your solicitor will investigate liability and identify the correct defendant or defendants.

Train Accident Claims

Who Is Liable?

The railway network in England and Wales involves multiple parties:

  • Train Operating Companies (TOCs) — the franchised operators who run passenger services (e.g. Avanti West Coast, Southeastern, Northern) are responsible for the safety of passengers on their trains and at staffed stations
  • Network Rail — responsible for the railway infrastructure including tracks, signals, and many stations. Where an infrastructure failure causes an accident, Network Rail may be liable
  • Station operators — for slips, trips, and falls at stations, liability rests with whoever manages that station

All railway operators are subject to extensive safety obligations under the Railways and Other Guided Transport Systems (Safety) Regulations 2006 and are regulated by the Office of Rail and Road (ORR). A serious accident on the railway is also typically investigated by the Rail Accident Investigation Branch (RAIB), whose reports can provide valuable evidence in a civil claim.

Common Types of Railway Passenger Injury

  • Falls caused by the train moving before passengers have boarded or alighted safely
  • Injuries caused by sudden, unexpected braking or acceleration
  • Slip and trip accidents on wet or poorly maintained station platforms and walkways
  • Injuries caused by defective or poorly maintained carriages — stuck doors, broken seating, damaged luggage racks
  • Platform gap injuries — falling between the train and the platform edge
  • Collisions and derailments — the most serious category

Report and preserve evidence: After any accident on public transport, report it to the operator immediately and ask for an incident report number. For train accidents, tell a member of staff before leaving the station if possible. CCTV footage from vehicles and stations is held for a limited period — typically 30 days — so acting quickly is essential.

What About Accidents at Bus Stops or Train Stations?

Not all transport-related injuries happen on the vehicle itself. Accidents at bus stops and train stations are common, and liability depends on who controls the relevant area:

  • A slip on a wet station platform managed by the train operator or Network Rail — claim against that party
  • A trip on a defective pavement immediately outside a station — potentially a claim against the local highway authority under the Highways Act 1980
  • An injury in a privately managed station car park — claim against the car park operator under the Occupiers’ Liability Act 1957

For more on slip and trip claims generally, see: Slip, Trip and Fall Claims: Your Complete Compensation Guide.

How Much Compensation Can You Claim?

Compensation in bus and train accident claims follows the same framework as all personal injury cases — general damages for the injury and special damages for financial losses. Values are taken from the Judicial College Guidelines (18th edition, April 2026).

 

Injury

Approximate Range

Minor soft tissue injury (full recovery within 3 months)

Up to £3,150

Wrist fracture — complete recovery

£3,530 – £5,870

Shoulder injury — serious

£19,200 – £48,030

Back injury — moderate (disc lesion, lasting symptoms)

£27,760 – £38,780

Knee injury — moderate

£14,840 – £26,190

Hip or pelvis fracture — significant

£39,170 – £52,500

Moderate brain injury

£90,720 – £150,110

Moderate PTSD / psychological injury (good recovery)

£9,980 – £21,730

In addition to general damages, you can claim all financial losses including lost earnings, medical and rehabilitation costs, travel to appointments, and care costs. For a full guide to compensation amounts, see: Average Personal Injury Compensation Payouts in the UK.

What Evidence Do You Need?

  • Incident report number — always report the accident to the operator before leaving and obtain a reference number
  • CCTV preservation request — write to the operator immediately asking them to preserve all CCTV from the vehicle, station, or platform at the date and time of your accident
  • Witness details — names and contact numbers of other passengers or staff who witnessed the accident
  • Photographs — of the scene, any defect or hazard, and your injuries
  • Medical records — attend A&E or your GP promptly and describe exactly how the accident happened
  • Receipts — your ticket or proof of travel, and any costs arising from your injury

Time Limit for Bus and Train Accident Claims

The standard three-year limitation period under the Limitation Act 1980 applies. You have three years from the date of the accident to issue court proceedings. Exceptions apply for children (three years from their 18th birthday) and those lacking mental capacity. Do not delay — evidence held by transport operators deteriorates quickly. For full details: Personal Injury Claim Time Limits in England and Wales.

No Win, No Fee Motorbike Accident Claims

NJS Law handles all public transport accident claims on a No Win, No Fee basis. You pay nothing to start your claim. If your claim is unsuccessful, you owe nothing. If you win, a success fee — agreed with you in advance — is deducted from your compensation. You bear no financial risk in finding out whether you have a claim.

FREE, NO-OBLIGATION ASSESSMENT

Injured on a bus, coach, or train?

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Frequently Asked Questions

Can I claim compensation if I was injured on a bus?

Yes. Bus operators owe a duty of care to their passengers and must hold passenger liability insurance under the Road Traffic Act 1988. If the operator’s negligence — through the driver’s actions, a defect on the vehicle, or unsafe conditions — caused your injury, you can make a claim against their insurer. NJS Law handles bus accident claims on a No Win, No Fee basis.

It depends on the cause of your injury. Claims for passenger accidents on trains are usually made against the Train Operating Company. Claims involving infrastructure failures, track defects, or station maintenance issues may involve Network Rail. In some cases both parties share liability. Your solicitor will identify the correct defendant or defendants and manage the claim accordingly.

Operators have a duty not to cause sudden, foreseeable movements that injure standing or unseated passengers. If the braking or acceleration was unnecessary, excessive, or caused by driver error, you may have a strong claim. Evidence of what caused the sudden movement — CCTV, the operator’s incident report, and witness accounts — will be central to establishing liability.

Yes. The steps, boarding area, and interior floor of a bus are the operator’s responsibility. If a wet, poorly maintained, or defective step or floor caused your slip, the operator may be liable. This type of claim is common and, with the right evidence, can be successfully pursued.

Most straightforward bus and train passenger injury claims resolve within 9 to 18 months where liability is not seriously disputed. Cases involving serious injury, multiple defendants (e.g. Train Operating Company and Network Rail), or disputed liability can take 2 to 3 years. Your solicitor will give you a realistic estimate based on the specifics of your case.

For injury claims, the existence of a valid ticket is largely irrelevant to liability. The operator owes a duty of care to everyone on or boarding their vehicle, whether or not they have paid a fare. However, if you were trespassing — for example, accessing the railway without any intention of travelling — the position may be different and you should seek specific legal advice.

This article is for general information only and does not constitute legal advice. Figures are subject to change by statutory instrument — verify the current tariff before relying on them.

For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of public transport accident claims, including eligibility, time limits and the claims process, see NJS Law’s public transport accident claims service page.

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Categories
Pedestrian Accident

Pedestrian Accident Claims What You Are Entitled To

Pedestrian Accident Claims What You Are Entitled To

LEGAL GUIDE · ENGLAND & WALES

June 2026

Being struck by a vehicle as a pedestrian is one of the most traumatic and physically devastating types of road accident. Without any protective barrier between you and the vehicle, even a low-speed impact can result in serious injury. If you or a family member has been injured as a pedestrian due to a driver’s negligence — or due to a poorly maintained road or pavement — you are entitled to claim compensation.

This guide explains who can be held liable, what compensation you can recover, what happens if the driver was uninsured or fled the scene, and how to start a claim with no upfront cost.

Key statistic: The Department for Transport reports that pedestrians account for around a quarter of all serious road casualties in Great Britain each year. Children and older adults are disproportionately represented in serious pedestrian injury statistics.

Injured as a pedestrian?

Get a free assessment from our road traffic accident claims team today.

Who Is Liable for a Pedestrian Accident?

Liability depends on the cause of the accident. In most pedestrian injury cases, one or more of the following parties may be responsible.

The Driver of the Vehicle

The most common cause of pedestrian accidents is driver error — failing to give way at a pedestrian crossing, not checking for pedestrians before turning, distracted driving, or speeding in areas where pedestrians are present. A driver owes a duty of care to all road users, including pedestrians. If their negligence caused your injuries, their motor insurer is liable under the Road Traffic Act 1988, which requires all drivers to hold third-party motor insurance

The Local Highway Authority

If your accident was caused by a defect on the pavement or road — a broken kerb, a sunken manhole cover, a flooded footpath — the local council may be liable under section 41 of the Highways Act 1980 for failing to maintain the public highway in a safe condition. This type of claim runs alongside or instead of a claim against a driver, depending on the cause of the accident. For more detail, see our guide: Pavement Trip and Pothole Claims — Claiming Against the Council.

A Cyclist

Pedestrians can also be injured by negligent cyclists — on shared paths, at crossings, or on pavements. A claim can be brought against a negligent cyclist in the same way as against a driver, though cyclists are not required to hold liability insurance, which can make enforcement more difficult if they have no assets. If the cyclist caused a serious injury and has no insurance, the Motor Insurers’ Bureau does not apply — you would need to pursue the cyclist personally.

Employers and Businesses

If you were injured on private land — such as a supermarket car park, a business forecourt, or a delivery yard — the occupier of those premises may be liable under the Occupiers’ Liability Act 1957 if the vehicle was operating on their land and they failed to manage the risk of vehicle-pedestrian conflict adequately.

What If the Driver Was Uninsured or Left the Scene?

Pedestrians who are struck by uninsured or untraced drivers are not left without a remedy. The Motor Insurers’ Bureau (MIB) exists specifically to compensate victims of:

  • Uninsured drivers — under the MIB Uninsured Drivers Agreement. Your claim is made against the MIB rather than an insurer, and the compensation available is the same as if the driver had been insured.
  • Untraced drivers (hit and run) — under the MIB Untraced Drivers Agreement. You must have reported the accident to the police — do this immediately after any hit-and-run accident. Claims generally must be submitted within three years of the accident.

MIB claims are more procedurally complex than standard road traffic accident claims. NJS Law has experience managing MIB cases and will handle the process on your behalf.

Injured as a pedestrian — including by an uninsured or untraced driver?

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Get your free claim assessment.

Does Contributory Negligence Affect a Pedestrian Claim?

Yes, it can. If the defendant argues that your own conduct contributed to the accident — for example, crossing outside a designated crossing point, stepping into the road without looking, or walking in a road while distracted — your compensation may be reduced to reflect your share of the responsibility. This is called contributory negligence under the Law Reform (Contributory Negligence) Act 1945.

Importantly, contributory negligence is a reduction, not a bar. Even if you are found to have been partially at fault, you can still recover the portion of your loss attributed to the driver’s negligence. Courts in England and Wales also recognise that drivers owe a heightened duty of care in situations where they ought to anticipate the presence of pedestrians — near schools, in residential areas, at night, and in poor weather.

For a full explanation of contributory negligence, read: Can I Claim If the Accident Was Partly My Fault?.

How Much Compensation Can You Claim?

Because pedestrians have no physical protection from impact, injuries in pedestrian accidents tend to be severe. Compensation is assessed under two headings.

General Damages — the Injury

Values are taken from the Judicial College Guidelines (18th edition, April 2026). Common injuries in pedestrian accidents and their approximate ranges include:

Injury

Approximate Range

Soft tissue injury — minor (full recovery within 3 months)

Up to £3,150

Leg fractures — moderate (some ongoing disability)

£27,760 – £39,200

Pelvis / hip fracture — significant

£39,170 – £52,500

Back injury — severe (disc lesion, nerve damage)

£38,780 – £69,330

Moderate brain injury (cognitive and physical effects)

£90,720 – £150,110

Severe spinal cord injury (paraplegia)

£219,070 – £322,060+

Moderate PTSD / psychological injury (good recovery)

£9,980 – £21,730

Severe PTSD / psychological injury (permanent)

£59,860 – £100,670

Special Damages — Financial Losses

All financial losses caused by the accident are recoverable, including:

  • Lost earnings — past and future, including loss of earning capacity
  • Medical treatment, surgery, physiotherapy, and rehabilitation
  • Care costs — including the value of care provided by family members
  • Home adaptations if the injury affects your mobility
  • Travel to medical appointments
  • Damaged clothing and personal property

What Evidence Do You Need?

  1. Police report and incident number — always report a pedestrian accident involving injury to the police
  2. Driver details — name, address, vehicle registration, and insurance company
  3. CCTV and dashcam footage — request preservation immediately; footage is routinely overwritten within 28–31 days
  4. Witness details — names and contact numbers of bystanders who saw the accident
  5. Photographs — the scene, road markings, vehicle position, your injuries
  6. Medical records — attend A&E or your GP immediately and describe exactly how the accident happened

Time Limit for Pedestrian Accident Claims

The standard three-year limitation period under the Limitation Act 1980 applies. You have three years from the date of the accident to issue court proceedings. Exceptions apply for children (three years from their 18th birthday) and those who lack mental capacity. For MIB untraced driver claims, there is an obligation to report to the police promptly and to submit the claim within three years of the accident. For full details: Personal Injury Claim Time Limits in England and Wales.

No Win, No Fee Motorbike Accident Claims

NJS Law handles all pedestrian accident claims on a No Win, No Fee basis. You pay nothing to start your claim. If your claim is unsuccessful, you owe nothing. If you win, a success fee — agreed with you in advance — is deducted from your compensation. You bear no financial risk in finding out whether you have a claim.

FREE, NO-OBLIGATION ASSESSMENT

Injured as a pedestrian?

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Frequently Asked Questions

Can I claim compensation if I was hit by a car as a pedestrian?

Yes. If a driver’s negligence caused your injuries, you can claim against their motor insurer under the Road Traffic Act 1988. If the driver was uninsured or fled the scene, the Motor Insurers’ Bureau will compensate you in their place. NJS Law handles both standard and MIB claims on a No Win, No Fee basis.

Yes. Contributory negligence reduces your compensation proportionally but does not prevent you from claiming. For example, if you are found 25% responsible and your injuries are valued at £40,000, you would recover £30,000. Courts apply a heightened duty of care to drivers in areas where pedestrians are expected, which often limits any reduction.

You claim through the Motor Insurers’ Bureau (MIB) under the Uninsured Drivers Agreement. The MIB compensates pedestrians and other road users injured by uninsured drivers. The process is more complex than a standard claim and it is strongly advisable to instruct a solicitor experienced in MIB claims.

Yes, through the MIB Untraced Drivers Agreement. You must report the accident to the police as soon as possible and submit your claim to the MIB within the required time limits. Even without the driver’s details, a claim can succeed if the police have been notified and there is independent evidence of the accident — witnesses, CCTV, or medical records.

Minor injury claims can settle in 9 to 18 months where liability is admitted. Serious injury claims — particularly those involving head injuries, spinal injuries, or long-term disability — typically take 2 to 4 years, as the full extent of your losses (including future care and earnings) needs to be properly assessed before any settlement is reached.

This article is for general information only and does not constitute legal advice. Figures are subject to change by statutory instrument — verify the current tariff before relying on them.

For advice on your specific circumstances, please contact NJS Law directly.

For a full overview of pedestrian accident claims, including eligibility, time limits and the claims process, see NJS Law’s pedestrian accident claims service page.

CONTACT US

Get in touch using the form below or via the following methods:

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For fast, friendly affordable legal advice. Contact a member of our team today.

FAQ

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Categories
Housing Disrepair Housing Disrepair Claims Housing Repair Breach Claim

How a Tenant Won £27,000 After Her Landlord Ignored Rats, Damp and Dangerous Conditions

Rats through the kitchen wall, a rotting floor, constant leaks - and a landlord who ignored every report. NJS Law won this tenant £27,000. Find out if you can claim.

HOUSING DISREPAIR - CASE STUDY

June 2026

When there is a hole in your kitchen wall big enough for rats to enter, you expect your landlord to act quickly. This client did too. She reported it immediately. Her landlord did nothing – and that was only the beginning of the disrepair she was left to live with.

At NJS Law, we helped her make a housing disrepair claim against her landlord. She won £27,000 in compensation, and the repairs that should have been completed months earlier were finally carried out. This article explains what happened, what the law says, and how you can find out whether your own situation gives you grounds to claim.

Every case is different. Your outcome will depend on your individual circumstances.

What Conditions Was This Tenant Living With?

The disrepair in this client’s home was not a single issue – it was a catalogue of serious problems that had been left to worsen over time.

  • There was a hole in the kitchen wall large enough for rats to enter the property. Despite being reported, it was never
  • The floor throughout the property was rotting – the result of persistent, untreated
  • Both the kitchen sink and the toilet were
  • Cracked tiles were visible throughout the property, presenting a safety hazard as well as evidence of ongoing structural neglect.

She reported every one of these problems to her landlord – not once, but again and again. Each time, she was ignored. She was left living in a home that was not safe, not healthy, and by any reasonable measure, not fit for human habitation.

Living like this takes a real toll – on your health, your mental wellbeing, and your ability to feel at home in your own space. What many tenants do not realise is that when a landlord refuses to act on reported disrepair, they are likely breaking the law.

Does Reporting the Problem Make a Legal Difference?

Yes – and this is one of the most important things any tenant can understand about housing disrepair.

A landlord’s legal duty to repair only comes into play once they have been told about the problem. The moment you notify them – whether by text, email, letter or phone call – and they fail to act within a reasonable time, that failure becomes the foundation of a potential claim.

This is why keeping a record of every report you make is so important. Screenshots of text messages, copies of emails, notes of phone calls – this evidence builds the timeline that underpins a successful housing disrepair case.

If you have been reporting problems and being ignored, you may already have more of a claim than you realise.

What Does the Law Say About Housing Disrepair?

Tenants in England and Wales are protected by several pieces of legislation that place clear, enforceable obligations on landlords. Here are the most important:

Section 11 of the Landlord and Tenant Act 1985

This is the cornerstone of tenant protection for disrepair. Section 11 places a legal duty on landlords to keep the structure and exterior of a rented property in good repair – including the roof, walls, floors, windows, drains, pipes, gutters and sanitary fittings. A landlord who fails to meet this duty after being notified of a problem is in breach of the law.

The Homes (Fitness for Human Habitation) Act 2018

This act significantly strengthened the rights of tenants. It requires that all rented properties – whether private, housing association or council – must be fit for human habitation both at the start of a tenancy and throughout. Damp, mould, pest infestation, structural problems and unsafe sanitary facilities can all render a home “unfit” under this legislation, giving tenants the right to bring a claim in the county court.

The Housing Health and Safety Rating System (HHSRS)

The HHSRS is the Government’s framework for identifying and categorising hazards in residential properties. Local councils use it to assess and enforce housing standards. Hazards including damp, mould growth, pest infestation, structural collapse and falling are all assessed under this system. A property that carries a category 1 hazard under the HHSRS is one that councils can be required to take enforcement action on – giving tenants further legal leverage.

For a clear summary of your rights as a tenant regarding repairs, the Government’s official guidance is a useful starting point:

How Did NJS Law Build This Case?

When this client came to us, the first step was evidence. We went through every record she had of reports made to her landlord – text messages, emails, notes from phone calls – to construct a clear timeline showing what had been raised, when, and what her landlord’s response had (or hadn’t) been.

We then arranged for an independent expert to inspect the property and produce a formal report on the conditions. Expert evidence is often central to a strong housing disrepair claim: it gives an objective, professional account of the extent of the disrepair, how long the problems had been present, and the impact they would have had on someone living there.

Armed with this evidence, we made a formal claim against the landlord. The case settled – for £27,000 in compensation – and the landlord was required to complete all of the outstanding repairs.

To understand how compensation is calculated in civil claims, including the difference between losses for pain and suffering versus financial losses, our guide on this topic is worth reading:

How Do I Know If I Have a Housing Disrepair Claim?

You may have a claim if:

  • Your home is rented – from a private landlord, a housing association, or a local council
  • There is a repair issue in the property: damp, mould, leaks, pests, structural problems, broken fittings or similar
  • You have notified your landlord of the problem – by any means, in any format
  • Your landlord has not carried out the repair within a reasonable period of time

You do not need to be living in a condemned property, and you do not need to have been taken to hospital. If the conditions are affecting your health, your mental wellbeing, or your ability to use parts of your home – and your landlord has been told and has failed to act – that is the starting point for a housing disrepair claim.

It is also worth knowing that there are time limits on making a claim, so it is better to get advice sooner rather than later. Our complete guide covers what counts as disrepair, how the claims process works, and what to expect:

What Should You Do If Your Landlord Is Ignoring You?

The most important first step is to speak to someone who can tell you where you stand. At NJS Law, we offer a free initial conversation – no obligation, no cost. We will listen to your situation, ask a few straightforward questions, and give you an honest view on whether you have a claim worth pursuing.

If we take on your case, it is on a no win, no fee basis. That means if we do not win, you pay nothing.

Do not assume your situation is not serious enough. Do not assume there is nothing you can do. Get in touch and find out – it costs you nothing to ask.

Living with disrepair your landlord won't fix?

Contact NJS Law today. The first conversation is free, and if we take your case, it is no win, no fee. Message us or call to speak to a member of our housing disrepair team.

Every case is different. The outcome of any legal claim depends on your individual circumstances. Details of the case described in this article have been changed to protect client confidentiality. This article is provided for general information only and does not constitute legal advice. NJS Law is regulated by the Solicitors Regulation Authority.

CONTACT US

Get in touch using the form below or via the following methods:

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For fast, friendly affordable legal advice. Contact a member of our team today.

FAQ

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Categories
Housing Disrepair Housing Disrepair Claims Housing Repair Breach Claim

Mould, Damp and Electrical Faults Made Her Children Ill -She Won £5,000 in Housing Disrepair Compensation

When damp and mould spread into her children's bedrooms and the landlord ignored her, NJS Law secured £5,000 compensation. Find out if your family can claim.

HOUSING DISREPAIR - CASE STUDY

June 2026

When a rented home has a persistent ceiling leak, the moisture has to go somewhere. In this case, it went into the walls and ceilings of the rooms where two children slept – creating the conditions for mould to grow and spread while their landlord looked the other way.

This client came to NJS Law after months of being ignored. We held her landlord accountable, secured £5,000 in compensation, and made sure her family finally had a home that was safe to live in. Here is what happened, what the law says, and what you should do if your family is in a similar situation.

Every case is different. Your outcome will depend on your individual circumstances.

What Was Happening in This Home?

The problems in this property began with a ceiling that would not stop leaking. Water came through so consistently that the plaster above never had the chance to dry out properly. Over time, that trapped moisture created the ideal conditions for damp to take hold – and then mould began to appear.

The mould spread to the walls and ceilings of the rooms the children slept in. Mould in a bedroom is not just unpleasant – as we explain below, it carries real health risks, particularly for children.

At the same time, the property had separate problems with its electrics. Light fittings were broken, and electrical faults made parts of the home genuinely unsafe to use. These were not cosmetic issues – they were safety hazards.

She reported all of it. Countless times. Her landlord did nothing.

While they did nothing, her children were suffering recurring sore throats and illness – a mother watching her children become unwell in their own home, being repeatedly fobbed off and ignored.

What Are the Health Effects of Damp and Mould?

Mould produces spores and mycotoxins that, when inhaled, can cause and aggravate a range of health problems. Children are particularly vulnerable because their immune systems and lungs are still developing.

Health effects linked to damp and mould exposure include:

  • Respiratory infections and persistent coughs
  • Sore throats and nasal congestion
  • Aggravation of asthma and allergies
  • Skin irritation and eczema flare-ups
  • Fatigue and general lowered immunity

The NHS has published clear guidance on the health risks associated with damp and mould in the home:

The Government has also recognised damp and mould as a serious housing hazard, publishing specific guidance for rented housing providers:

Is a Landlord Responsible for Electrical Faults as Well as Damp?

Yes. A landlord’s legal duties do not stop at walls and roofs. Under Section 11 of the Landlord and Tenant Act 1985, landlords are also required to keep in good repair and working order the installations in the property for the supply of water, gas, electricity, space heating and water heating. Broken light fittings and electrical faults fall squarely within this duty.

A landlord who is told about an electrical fault and does nothing is failing in a legal obligation – and potentially creating a serious danger for the people living in their property.

What Does the Law Say About Housing Disrepair?

Tenants in England and Wales have clear legal protections when it comes to the condition of their rented home. The key legislation is as follows:

Section 11 of the Landlord and Tenant Act 1985

Section 11 requires landlords to maintain the structure, exterior and installations of a rented property in good repair. It applies to all residential tenancies ofless than seven years. Once a tenant has reported a problem, the landlord is required to act within a reasonable time. Failing to do so is a breach of this duty, which tenants can enforce through the courts.

The Homes (Fitness for Human Habitation) Act 2018

This legislation requires rented homes – including those let by councils and housing associations – to be fit for human habitation at the beginning of and throughout the tenancy. A property where mould is growing in children’s bedrooms, electrical fittings are broken, and a ceiling has been leaking unaddressed for months is unlikely to meet this standard. Tenants can sue their landlord directly in the county court under this act.

The Housing Health and Safety Rating System (HHSRS)

Under the HHSRS – the Government’s hazard-rating system for residential properties – damp and mould growth is classified as a potential Category 1 hazard: the highest level of risk, which local authorities are legally required to act on when found. A home with spreading mould, persistent damp and electrical faults would warrant serious concern under this framework.

For a general overview of your rights around repairs in rented housing:

How Did NJS Law Help?

When this client came to us, we began by establishing the evidence trail. Her records showed a clear and consistent pattern: she had reported the ceiling leak, the mould and the electrical faults, repeatedly, over an extended period. Her landlord had failed to act on any of it.

We instructed an independent expert to survey the property and document the conditions, including the extent of the mould and the electrical issues. The health impact on the children was also documented as part of the case – because where a landlord’s failure causes or worsens health problems, that can increase the compensation awarded.

The landlord was held accountable. Our client received £5,000 in compensation – and, just as importantly, the repairs were carried out so her family could finally live in a safe, healthy home.

What If the Disrepair Has Affected a Child's Health?

Where the health of a child has been directly affected by the conditions in a rented property, this is a significant factor in a housing disrepair claim. It can increase the compensation payable and may also raise the question of whether a separate personal injury element to the claim should be considered.

For more information on how claims involving children are handled, you may find our guide useful:

How Do I Know If I Have a Housing Disrepair Claim?

You may have a claim if all of the following are true:

  • Your home is rented – privately, from a housing association, or from a council
  • There is damp, mould, a leak, an electrical fault or another repair issue in the property
  • You have reported the problem to your landlord
  • Your landlord has not resolved it within a reasonable time

If your children’s health has been affected by the conditions in your home, that makes it all the more important to get advice quickly. Time limits apply to housing disrepair claims, and the sooner you act, the better placed you will be.

For a full explanation of how housing disrepair claims work, read our comprehensive guide:

What Should You Do Next?

If damp or mould is affecting your family and your landlord will not act, do not sit with it. Get in touch with NJS Law for a free initial conversation. We will listen to your situation and give you an honest answer about whether

you have a claim.

If we take on your case, it will be on a no win, no fee basis – so there is nothing to pay if we do not win. You have nothing to lose by finding out where you stand.

Is damp or mould affecting your family and your landlord won't act?

Message NJS Law today. The first conversation is free - and it's no win, no fee. Let's find out if you have a claim.

Every case is different. The outcome of any legal claim depends on your individual circumstances. Details of the case described in this article have been changed to protect client confidentiality. This article is provided for general information only and does not constitute legal advice. NJS Law is regulated by the Solicitors Regulation Authority.

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