Rubbish, forget the insurance, no where does it state that a DIY ladder can't be used, anyway, it's not named a DIY ladder I just said that to emphasise it's low price and basic structure, they are actually very good ladders, very sturdy and last indefinitely, it's just 'a ladder form b&q' nothing to suggest it's not covered on insurance...
Besides, I bought two ladders from b&q both from the trade point, but they are just standard b&q ladders... Done me well for 6 years, both the triple and double, very good ladders, looked at better 'maked' ones and to be honest not much deferent, all it needs to do in my opinion is reach the designated height safley and work!