Well I was in email contact with a Gleaming manager, I told him my situation, sole trader, no employees, no keys to hold, no chemicals used. I wanted cover for any damage I could cause to a property or car including the windows I was working on.
As I only started trading in January I waited until the new financial year to get P/L insurance.
Damage to property is totally different to damage to item being worked on which is much more specific as I am pretty sure you will be aware off.
[emoji23][emoji23][emoji23] Your choice for the sake of £80.00 hope you don't end up regretting it , Pure madness
Welll I’ve never had to claim in 22 years!! But never say never I guess.
Sorry we have it all through a bespoke insurance package
Would advise getting house insurance especially if your house is connected to other houses and I will tell you why. Say you are in a semi-detached house and the house through the wall goes on fire and destroys yours then you would think their insurance would pay to rebuild your house? No is the answer. You would only be left with your plot of land, the other insurers are not obligated to rebuild your home even if their policy holder caused it. Not a lot of people know this. Insurance law is not like criminal law. ?
All our commercial clients insist on a minimum of 5 million cover. Domestic 1-2 million should be fine .
Are you saying if someone burns your house down they have no liability?
A woman was on the radio telling her sad story. She owned a semi detached thatch cottage and was trying to save money so she cancelled her £900 a year home / building insurance. The cottage next door went on fire and also destroyed her home. The other house was rebuilt but she was left with the remains because her home was not insured. The other insurance was not obligated to rebuild her cottage so they didn't. The neighbours chipped in and bought her a portacabin which sits on her lawn. This is a true story and the facts are in insurance law. fwiw
Hiya, do you just do it all online? is it all set up there and then or a bit of a mission. I have heard APlan a few times. I am just water fed pole on my own form my car. Just want basic cover to any damage to customers house or car etc, Ill prob like to pay out my pocket if not much than rely on insurance,but nice to have it there. Any advice be great.
Call Aplan at 0121 711 1711 and it should be less than £70, if you are going to be doing commercial work then go for £5 million in cover at around £90 a year.
