How much do you pay for insurance?

Just wondering how much we all pay for our public liability insurance and who does the best deals.

Also is anyone insured for time off due injury or sickness?

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Permalink Reply by HM GARDENS on June 1, 2010 at 12:25
Mine is £79ish for public liability.

Premium SupplierPermalink Reply by Simply Business on February 3, 2011 at 15:39

Hi GGGS,

 

Have you thought about how much public liability cover you are looking for? This will be one of the main driving forces behind the price. With us (Simply Business) another aspect that's considered is how long you have been trading self employed as well as your claims history. You can also get tools cover and if you have employees, legally you will need employers liability cover.

 

If You have any queries please feel free to send me direct message or via http://ow.ly/3PBDu

 

Kind Regards

 

Tim

 

Simply Business

Permalink Reply by N. F. Trees & Gardens on February 3, 2011 at 17:13

£5 million PL insurance £420

 

Permalink Reply by Christopher Ray on October 29, 2012 at 22:14

I just got some quotes for PL.

£76 for Zurich and £155 for direct line.  


PRO MemberPermalink Reply by Paul McNulty on October 29, 2012 at 22:20

Simply Business were really good for me this year. My van's through CVD, and their PL division couldn't match it and advised me to go for that deal. Of course, the real time we learn whether price was the best thing to go for is if we need to claim, and at renewal time, but worth a call.

Just noticed this is a thread from 18 months ago. Hope they are still using LJN and happy to help members!

Permalink Reply by Christopher Ray on October 29, 2012 at 22:58

Yeah its a bit of a old thread but will contact simply business tomorrow and see what they can do.

I just got another quote from tradesmansaver for £40 !!! That's a substantial difference.  Then I added tool insurance and its £93.. 


PRO MemberPermalink Reply by Paul McNulty on October 29, 2012 at 23:11

Be very careful about saving a few £s on an essential, like PL cover. Also, check the tool cover as most are never going to pay out. Just read things like what sort of alarm, and written proof, you have to have on the van, before you go for tools cover.

More get-out clauses than you would believe on most tool policies IMO.

Christopher Ray said:

I just got another quote from tradesmansaver for £40 !!! That's a substantial difference.  Then I added tool insurance and its £93.. 

Permalink Reply by Gordon Bowerman on October 29, 2012 at 23:26

1million  PL cover with direct line £62 pa

Permalink Reply by Christopher Ray on October 29, 2012 at 23:51

Thanks Paul, I'll read through the pdf of the policy asap.  I'm a bit confused why its over £100 difference between mine and Gordon's though.

Paul McNulty said:

Be very careful about saving a few £s on an essential, like PL cover. Also, check the tool cover as most are never going to pay out. Just read things like what sort of alarm, and written proof, you have to have on the van, before you go for tools cover.

More get-out clauses than you would believe on most tool policies IMO.

Christopher Ray said:

I just got another quote from tradesmansaver for £40 !!! That's a substantial difference.  Then I added tool insurance and its £93.. 

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