[domestic.diva]

I think I have dropped a clanger, just bought public liability insurance via a broker with Groupama and have just discovered that I have an excess of £250 and not included is cover if I break a clients ornament! Paid £83.00, is there better out  there? Am I too late to cancel?

Cheers
Bev aka DD  

[Philip Hanson]

If you are unsure about your policy, call your broker and it can usually be adjusted without you having to cancel it completely.

It is quite common to request a lower excess than is standard, but pay a higher premium instead.

not included is cover if I break a clients ornament

This may be harder to change, but again I would speak to your broker.

-Philip

[domestic.diva]

Looks like all cleaners liability insurance has changed to £250 excess and not covering items being worked on, i.e. being cleaned!

Anyone know any different?

Cheers
Bev

[Happyeater]

One thing that got me this year was the 'extras' that Groupama charge when their contract finishes. I claimed that we'd do a certain amount of t/o etc etc. When it came to renewal, I was sent a new form to put on what was actually done and project for this year. My payroll was actually bang on forecast. However, my t/o was higher and I now have an additional invoice for £800 to pay.

The quote was a 200% rise and I've never had a claim.

[martin19842]

i think this is a standard commercial insurance matter, at the beginning you forecast certain elements, ie turnover, payroll etc, and then you fill in a year declaration.  

this is the same for most business insurances in all types of business.

regards

martin