Simply Business

Discussion in 'Managing Your Business' started by Dan@Windaclean, Aug 8, 2012.

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  1. Dan@Windaclean

    Dan@Windaclean Newcomer
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    I've been trading for just a few months now on a part-time basis alongside my day job as a firefighter (I know it's all a bit cliché!). I've been meaning to sort out some public liability insurance since I started and have finally got round to looking in to it today.

    I've read many recommendations for the Simply Business website and carried out a quote to insure me for £1,000,000 worth of cover for my small residential round. The best price I was quoted was £65.05 from Groupama. This was a lot cheaper than the quotes of around £170 from Gleaming Insurance and Poished Insurance.

    I requested a call-back from Simply Business as I didn't fancy calling the 0845 number from my mobile and being on hold for the afternoon. Within five minutes a helpful young man called me to discuss my insurance needs. I think the most important aspect of window cleaning insurance is to be covered for the piece of glass you are working on. He explained that Groupama do have a exclusion of cover when you are working on a piece of glass and cause damage you will not be insured. However as soon as you finish your clean and step away from the glass you are covered.

    The next cheapest price was £69.13 from Zurich and he explained that there was no such exclusion in place so I would be covered for the piece of glass I was working on just in case I scratched or broke it. Interesting to know that for a few more quid you can get this sort of cover.

    Even more interesting is that if you click through the Top Cash Back site you can get £15.15 cash-back for a new policy with Simply Business. The chap was a bit gutted he missed out on his commission for the sale but fully understood why I would buy on-line and was understanding.

    Great service and will now be a fully insured window cleaner!
     
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  2. rcproperty

    rcproperty Hero
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    nice one, nice to see someone else that going about things the right way, they always say better late then never!!

    its not just the glass that you have to worry about being covered, its also build, cars and other things that could get damaged too!
     
  3. Dodger

    Dodger Hero
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    Window cleaners insurance that doesn't cover you for the piece of glass that you're working on, that makes sense.
     
  4. rcproperty

    rcproperty Hero
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    its like other insurance, when we had insurance for the building side of the business, we had high insurance case we was fitting bathrooms and kitchens etc, but when fitting a bathroom, nothing in that room is covered, but anything outside of the room is!!
     
  5. harunh

    harunh Legend
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    Insurance is important mate you will feel much more safer when working from now :) :p
     
  6. Kips

    Kips Well-Known Member
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    What is the excess on these policies? Eg, if its a £250 excess, and I scratch a £150 window, don't I still end up footing the bill? Seems pointless if so...
     
  7. harunh

    harunh Legend
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    Pay out ya own pocket unless u demolish a big hotel lol
     
  8. Iain

    Iain Guru
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    My insurance is with these guys. They're a broker so I don't know who my policy is actually with but so far do good.

    I got half of my money back by sending them 3 other customers. Easy win!
     
  9. harunh

    harunh Legend
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    Not bad Iain mate
     
  10. Belfastcleaning

    Belfastcleaning Grand Master
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    All insurance is a joke.. I broke the back of my iPhone.. It's insuranced, but I have to pay £70 for them to scrap it and give me a new phone. I can get a new back with fitting kit for £5 on eBay...
     
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