Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: clearlyclean on November 15, 2010, 04:58:48 pm

Title: would you work without insurance
Post by: clearlyclean on November 15, 2010, 04:58:48 pm
Most of us complain about the doley going out cleaning windows in his Mondeo and probably no public liability insurance.
Is it against the law to clean windows for money without insurance?
Title: Re: would you work without insurance
Post by: darren clarke on November 15, 2010, 05:01:47 pm
no it isnt,
Title: Re: would you work without insurance
Post by: luther1 on November 15, 2010, 05:05:47 pm
No. And i wouldn't have bothered with it if most commercial jobs hadn't asked for a copy.
Title: Re: would you work without insurance
Post by: formb on November 15, 2010, 05:08:17 pm
It is law in Scotland...........
Title: Re: would you work without insurance
Post by: clearlyclean on November 15, 2010, 05:16:54 pm
didnt think of scotland,what I trying to say most businesses use public liability insurance and we buy it just in case the worst happens,some dont bother thinking it will never happen to them and I think some have the same attitude toward ladders and water fed pole maybe they dont want to spend out on a water fed pole and happy to work off ladders hoping it will never happen. ::)
Title: Re: would you work without insurance
Post by: Nathanael Jones on November 15, 2010, 06:17:32 pm
Seriously,.. insurance is peanuts in the UK, why would you not get that bit of peace of mind for £1.50 a week??!!
Title: Re: would you work without insurance
Post by: Paul Coleman on November 15, 2010, 06:46:31 pm
It is law in Scotland...........

Is it that you have to have insurance by law or is it that you must have a license in most areas and you need the insurance to get the license?
I wouldn't work without insurance anyway.  Even if I was pretty skint I would at least make sure I had a basic policy.
Title: Re: would you work without insurance
Post by: Newannaive on November 15, 2010, 06:56:55 pm
yep  ;)
Title: Re: would you work without insurance
Post by: SPE on November 15, 2010, 07:00:59 pm
It was only April this year that I got insurance, and that was only because in order to obtain a waiver from the council to park on parking restricted streets, a sign written van was'nt enough apparantly. Only a copy of liability insurance was an acceptable proof of being a legitimate window cleaner.
I have been in business 4 years prior to that with no need for it.
Perhaps I have just been lucky.
It does give me peace of mind this year though as winter approaches.
My biggest concern has always been the claim culture thats sprung up e.g. icey pavements in the snow, someone slips, then they see a hose across the pavement disappearing around the back of a house !
Remember a while ago on this forum a guy who nearly got sued after a girl on a mobile phone fell off a bike she was riding on the pavement and after the event tried to somehow blame him ?

as per usual its all the other idiots you have to worry about
Title: Re: would you work without insurance
Post by: ♠Winp®oClean♠ on November 15, 2010, 07:29:09 pm
It is law in Scotland...........

That's not true FormB ;)
Title: Re: would you work without insurance
Post by: Londoner on November 16, 2010, 07:21:44 am
You will find if you read the small print that most public liability policies don't cover anything like what you would imagine they should do.

Things like nothing involving ladders, nothing involving glass, you pay the first £500 of any claim are all common. 
Title: Re: would you work without insurance
Post by: formb on November 16, 2010, 01:25:30 pm
It is law in Scotland...........

That's not true FormB ;)

I'm afraid that due to the licence laws in Scotland it is.
Title: Re: would you work without insurance
Post by: ♠Winp®oClean♠ on November 16, 2010, 04:52:40 pm
It is law in Scotland...........

That's not true FormB ;)

I'm afraid that due to the licence laws in Scotland it is.

I'm afraid that the Scottish borders & Berwickshire are not licensed! ;)

I don't think east Lothian is either.
Title: Re: would you work without insurance
Post by: formb on November 16, 2010, 04:57:35 pm
It is law in Scotland...........

That's not true FormB ;)

I'm afraid that due to the licence laws in Scotland it is.

I'm afraid that the Scottish borders & Berwickshire are not licensed! ;)

I don't think east Lothian is either.

Practically Engalnd   ;D

Practically Lawless   ;)

Title: Re: would you work without insurance
Post by: ♠Winp®oClean♠ on November 16, 2010, 05:04:52 pm
It is law in Scotland...........

That's not true FormB ;)

I'm afraid that due to the licence laws in Scotland it is.

I'm afraid that the Scottish borders & Berwickshire are not licensed! ;)

I don't think east Lothian is either.

Practically Engalnd

Practically Lawless



 ;D ;D ;D