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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Jay Le Huray on December 25, 2014, 08:59:46 am

Title: public liability insurance
Post by: Jay Le Huray on December 25, 2014, 08:59:46 am
can anyone recommend a decent one that's not going to cost an arm & leg
Title: Re: public liability insurance
Post by: jonboywalton75 on December 25, 2014, 10:55:28 am
Simply Business are who I use.
similar price to most other insurance companies
Title: Re: public liability insurance
Post by: duncan h on December 25, 2014, 08:29:28 pm
Just go for the cheapest to start with £90 ish.Try comparison sites
Title: Re: public liability insurance
Post by: johnny bravo on December 26, 2014, 03:27:18 pm
constructaquote        around £70 for all exterior cleaning   services.   cheapest ive found
Title: Re: public liability insurance
Post by: Bungle on December 26, 2014, 05:54:56 pm
Gleaming http://www.gleaminginsurance.co.uk/window-cleaners-insurance/
Title: Re: public liability insurance
Post by: Jay Le Huray on December 27, 2014, 03:44:24 pm
thanx guys I went with constructaquote
Title: Re: public liability insurance
Post by: Matt - aquatec on December 28, 2014, 04:26:28 pm
Speak to A Plan insurance... They will look after everything ... P L ... Personal... Home... Car and van which includes a replacement wfp set up....
Title: Re: public liability insurance
Post by: paulben on December 29, 2014, 03:39:42 am
Should have gone to Kray Brothers take care of insurance and bad payers  ;D
Title: Re: public liability insurance
Post by: Spursboy1972 on December 29, 2014, 09:22:36 am
Be careful Jay as most are not worth the paper they are written on and I believe there are only a very few who will cover you for the glass you are working on.. Mostly its an exclusion
Title: Re: public liability insurance
Post by: Bungle on December 29, 2014, 12:55:53 pm
Speak to A Plan insurance... They will look after everything ... P L ... Personal... Home... Car and van which includes a replacement wfp set up....

I took insurance with A Plan on the understanding that they supplied a van with a system in it. I cancelled after further investigation.
Title: Re: public liability insurance
Post by: johnny bravo on December 29, 2014, 04:37:45 pm
jay,  what did you pay for then,       put us out of suspense ;)
Title: Re: public liability insurance
Post by: Mike #1 on December 29, 2014, 07:24:04 pm
Speak to A Plan insurance... They will look after everything ... P L ... Personal... Home... Car and van which includes a replacement wfp set up....

I took insurance with A Plan on the understanding that they supplied a van with a system in it. I cancelled after further investigation.


Enlighten us all please
Title: Re: public liability insurance
Post by: Bungle on December 29, 2014, 08:21:31 pm
Speak to A Plan insurance... They will look after everything ... P L ... Personal... Home... Car and van which includes a replacement wfp set up....

I took insurance with A Plan on the understanding that they supplied a van with a system in it. I cancelled after further investigation.


Enlighten us all please

I was certain the fella said if my van was off the road through an accident that they would supply me a van with WFP system in it when I phoned to arrange insurance. I took out insurance, but it was niggling me what he said. I phoned for clarification of a van with WFP being supplied in case of an accident and the fella told me they didn't supply them, but only a van. I cancelled the insurance there and then.
Title: Re: public liability insurance
Post by: Spursboy1972 on December 29, 2014, 08:58:13 pm
I have just insured through Aplan and have only good things to say. You are informed that you can pay extra to have your tank insured or take out a separate tools cover.
However without wishing to state the obvious the post was about public liability and not motor insurance.
Title: Re: public liability insurance
Post by: Jay Le Huray on December 30, 2014, 07:19:07 am
jay,  what did you pay for then,       put us out of suspense ;)
£78
Title: Re: public liability insurance
Post by: johnny bravo on January 03, 2015, 04:49:11 pm
is that just for window cleaning,       is that with Aplan
Title: Re: public liability insurance
Post by: Ian Lancaster on January 03, 2015, 09:25:18 pm
Be careful Jay as most are not worth the paper they are written on and I believe there are only a very few who will cover you for the glass you are working on.. Mostly its an exclusion

+1

Any policy that costs less than about £150 per year is unlikely to cover 'property being worked on'.

Not a lot of good to a window cleaner >:(
Title: Re: public liability insurance
Post by: Total shine cleaning services on January 04, 2015, 12:57:33 am
Gleaming cover working on the glass

Graham
Title: Re: public liability insurance
Post by: johnny bravo on January 04, 2015, 11:39:35 am
they all  do if you have window cleaning insurance,   that is what you are getting PLI. for.  Cleaning windows.   it sounds strange wanting liability insurance  if you cannot work in the sector you have this for.

when i asked constructaquote about this they seemed amused that you wouldnt be insured for any claims while window cleaning,   when this is your work to be insured for.
Title: Re: public liability insurance
Post by: Ian Lancaster on January 04, 2015, 12:24:55 pm
they all  do if you have window cleaning insurance,   that is what you are getting PLI. for.  Cleaning windows.   it sounds strange wanting liability insurance  if you cannot work in the sector you have this for.

when i asked constructaquote about this they seemed amused that you wouldnt be insured for any claims while window cleaning,   when this is your work to be insured for.

The trap is that there are lots of PLI policies for general trades use.  These don't specifically mention window cleaning but most of them have a clause that says "Excluding the property being worked on".  This was introduced to stop kitchen fitters, plumbers etc from claiming if they cut a piece of material (worktop etc) in the wrong place and rendered it unusable.

The wording is important - a general 'Tradesman' type of public liability is unlikely to cover you in the event you break a window while cleaning it.
Title: Re: public liability insurance
Post by: chanster00 on January 04, 2015, 07:16:36 pm
APlan call dan