Clean It Up
UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: PaulKing on October 30, 2006, 01:35:45 pm
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Someone mention HSBC did good rates but website will not quote for carpet cleaners so rang up and they said they won't cover on cc anymore, anyone else had this.
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Cant comment on new customers applying, but just had my renewal notice from HSBC which is due in 2 weeks time !
This is my second year with them.
Terry
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"Carpet and Upholstery cleaners" is still shown on the HSBC website: http://www.insurancebrokers.hsbc.com/
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Just renewed mine with them
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Thanks I just tried the website again and it worked just shows the helpline are not the brightest crayons in the box!
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just when trough it all again with HSBC with the add on cover for terroism ( I bet that Mr Straker has that option on his insurance working where he does) quote for £844 not that bad bea my renewal by £400 anyone do better than that?
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Ainsley Insurance Brokers, £462.17 this year with Royal Sun Alliance.
Cheers
Chris
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deos that include article being worked on?
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Mine is i think £110 with HSBC and yes includes article being worked on except for carrying out hotwork ie. buning torch or welder etc, but then never had the need for that yet!
Cheers Goron
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wow thats cheap, my qutoe has the same naked flame eclusion mine must that bit more because of the extra staff.
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I took out insurance with HSBC for the first time this year.
£89 ;D
Including items being worked on :D
I have read the policy through cover to cover and it states that it DOES cover items being worked on for problems like shrinkage and colour run !
I still think that they have made a mistake, but I have it in black and white, so ??? ;)
Sole trader
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My renewal quote from HSBC is £268.00
Sole trader
Public Liability Cover inc damage to articles being worked on
Plus Tools / Machine Cover should they be stolen/damaged when out on a job. (up to £20000)
If that last statement sounds a bit odd it covers me for example if I nip into the shops or a real dodgy area and my stuffs nicked out the back. Or Damage...eg Machine falls out of van when driving along !
Dont laugh... in my last van I once drove about 3 miles with both rear doors open and all my gear in the back. I only realised when everyone was waving and tooting !!!
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I took out insurance with HSBC for the first time this year.
£89 ;D
Including items being worked on :D
I have read the policy through cover to cover and it states that it DOES cover items being worked on for problems like shrinkage and colour run !
I still think that they have made a mistake, but I have it in black and white, so ??? ;)
I don't think it's a mistake as mine was almost the same price (Slightly cheaper ;D)
What seems to hike the price up is selecting things like machine insurance etc. If you go for simple public liability and product insurance only then it's very cheap. Note that the excess is fairly high if you do shrink a carpet so I can't see the HSBC paying out too often.
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deos that include article being worked on?
Yes, and hard floor cleaning.
Cheers
Chris
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Yes you are covered for shrinkage and discolouration as there is an endorsement on the policy for CC treatment risk.
Problem is when I recently claimed Allianz the insurer didn't realise that HSBC had put this in!
Also I said to chappy thought my treatment risk was 500, he said no 250. Then he rang me back said I wasn't covered at all for treatment risk :o
He later rings back and said I was covered. ???
Apart from that they have been very good with this claim.
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Yes you are covered for shrinkage and discolouration as there is an endorsement on the policy for CC treatment risk.
Problem is when I recently claimed Allianz the insurer didn't realise that HSBC had put this in!
Also I said to chappy thought my treatment risk was 500, he said no 250. Then he rang me back said I wasn't covered at all for treatment risk :o
He later rings back and said I was covered. ???
Apart from that they have been very good with this claim.
Mike, sorry if this sounds stupid, but when you state treatment risk figures, is this the excess you have to pay on a claim or is this the amount the insurer is only willing to pay ?
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I'm with HSBC, public liability and treatment risk (£2,000,000 cover for both) for £92 a year with a £250 excess, 2 million quids a lot of carpet to ruin ;D
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I phoned up last week £95 for both treatment risk and Liability
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My renewal quote from HSBC is £268.00
Sole trader
Public Liability Cover inc damage to articles being worked on
Plus Tools / Machine Cover should they be stolen/damaged when out on a job. (up to £20000)
If that last statement sounds a bit odd it covers me for example if I nip into the shops or a real dodgy area and my stuffs nicked out the back. Or Damage...eg Machine falls out of van when driving along !
Dont laugh... in my last van I once drove about 3 miles with both rear doors open and all my gear in the back. I only realised when everyone was waving and tooting !!!
mine is similar to this with them and covers the t/m and tools
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2 million quids a lot of carpet to ruin ;D
Not if you set light to a row of houses! :)
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i think on some insurances you have to be careful
you may think you've got a million quids worth of carpet covered but are you sure thats not just a million quids worth of public liabilty and not treatment risk which is normally the one that covers the cost of the items you are working on and not if someone trips over your hoses a breaks there neck
its worth checking to be sure
i've got up to £15000.00 pounds treatment risk on my policy
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The HSBC policy specifically excludes claims that are caused by heated tools. So do your burn test outside (which any right thinking person would).
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Heck i started this thread and just renewed our policy with Mc Gregor Lyold, apples for apples they were the best quote. ANd a massive plus point is you can call them up and they are helpfull