Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Sean Dyer on November 02, 2009, 09:03:46 am
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Anyone have it?
do you find its worth the money?
Is it easy to get paid if you make a claim?
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I have it but not claimed on it. Nice for the peace of mind. I'm covered for own occupation
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i have 1, when i had my hernia op, they start paying after week 1 and were happy to pay every other week
they were very good which was a surprise
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who you with ?
much is your premium if ye dont mind me asking
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i just leave it to chance,just starting my 5th week on the sick,and though i only get £64 i can reflect on the premiums ive saved in the last 4 years since i was last off
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do you get sick has self employed?
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do you get sick has self employed?
yes ,go to job centre and they give you a number to ring,most off the form filling is done over the phone then send in the sick notes, we are entitled as we still pay national insurance
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if i had a week off i wouldnt bother claiming as you get nothing for the first 3 days
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I got quoted for £1600.00 a month payout
thats for cover that backdates to day 1 and will pay until your 65 if need be, plus after 6 months on payout the premiums would be waived
as stan says though im wondering whether to pay it?
gonna work out alot for the odd weeks claim, but then again i could break a leg and be laughing for 2 months as i get paid to do nothing
£62.50 a month
they will only cover you for 65% of your income before tax, based on your last 12 months so its hard for me as i want it to be for where my income is now, but i can change it again in 12 months, as the current level they wanna insure me for wont even pay my bills :(
but its more ssp or nothing !!
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problem with insurance it keeps rising,6 years ago my german shepard was £200 a year with the kennal club a very good insurance it went up every year till last year it was £450 so i knocked it on the head swopped to direct line which was a worse policy at £13 a month,ive just sacked that cause they want £26 a month now with me paying the first £80 of a claim, just gonna take my chance now, and if something goes wrong ive got the first £300, insurance companys always have the odds on there sides and find any loop hole to avoid paying,im only on £64 a week but ive no regrets and i still wont be getting insured
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I got quoted for £1600.00 a month payout
thats for cover that backdates to day 1 and will pay until your 65 if need be, plus after 6 months on payout the premiums would be waived
as stan says though im wondering whether to pay it?
gonna work out alot for the odd weeks claim, but then again i could break a leg and be laughing for 2 months as i get paid to do nothing
£62.50 a month
they will only cover you for 65% of your income before tax, based on your last 12 months so its hard for me as i want it to be for where my income is now, but i can change it again in 12 months, as the current level they wanna insure me for wont even pay my bills :(
but its more ssp or nothing !!
Sean if you pay £62 a month into this insurance and they will pay upto £1600 a month, syrely it would be better to just save the premium per month and put it to one side. After 2 years youve got your months wage, when did youlast take a month off work because of ill health.
ADDITIONALLY.....heres the beauty of this, instead of putting the money to one side, every month go and buy 62 premium bonds, you could win a million. EVERY month and if you dont and you are ill just cash the premium bonds in.
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Matt you cant buy 62 premium bonds minium purchuse 100 ;D ;D
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You get me drift, anyway get back to work you lazy get!
;D
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You get me drift, anyway get back to work you lazy get!
;D
funny thats what the wife says,ive still got 2 weeks to go yet ;D ;D
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I got quoted for £1600.00 a month payout
thats for cover that backdates to day 1 and will pay until your 65 if need be, plus after 6 months on payout the premiums would be waived
as stan says though im wondering whether to pay it?
gonna work out alot for the odd weeks claim, but then again i could break a leg and be laughing for 2 months as i get paid to do nothing
£62.50 a month
they will only cover you for 65% of your income before tax, based on your last 12 months so its hard for me as i want it to be for where my income is now, but i can change it again in 12 months, as the current level they wanna insure me for wont even pay my bills :(
but its more ssp or nothing !!
Sean if you pay £62 a month into this insurance and they will pay upto £1600 a month, syrely it would be better to just save the premium per month and put it to one side. After 2 years youve got your months wage, when did youlast take a month off work because of ill health.
ADDITIONALLY.....heres the beauty of this, instead of putting the money to one side, every month go and buy 62 premium bonds, you could win a million. EVERY month and if you dont and you are ill just cash the premium bonds in.
I have insurance b ut not protected income, I am so glad I did as car crash stopped me in my trackes for months, went to work then had to take off a month again is it knackered me up. I use cica combined insurance of america for hospital and accedient insurance does not pay alot out on one policy but I have 2 as above. it paid off some bills, and for the next 6 years there premium I am paying they have already paid me. So to me was well worth it, I pay about £50 a month for it.
Ian
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Hi guys,
Has anybody got a link for a decent insurance company?
Dean
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Hi guys,
Has anybody got a link for a decent insurance company?
Dean
http://www.combinedinsurance.co.uk/
these paid me out quick and was easy
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do you get sick has self employed?
Not in your case Ronnie :P
As you have income from your employees, your business is still running and therefore you are not 'incapable of following your occupation' (business owner and employer)
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thanks ian
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yeah but if i put 62 a month away thats only 700 odd a year if you are seriously hurt for a year or more you are knackered but at least with this policy it pays you out
its a risk not having it, its a risk having it if you never have to claim but its which one has worse consequnces??
only thing is i do have part timer, and at a push he could take on more work but at the moment i think i would just feel a bit more comfortable till i have more money rolling in form staff to have a protection for my own income
as i say it just about covers bills but thats enough as if i was off work the missus could get a job and i look after little un :)
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its a gamble Sean but how many people do you know whos been of work that long,apart from dole dossers,in 10 years time you could regret paying
£7000 plus or it could be the best thing you ever did ;D
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i know
i can just see me thinking actually forget it
then breaking a leg and cursing myself
dont know , i wouldnt do it for ten years just whilst most of my income is dependant on me
as wife doesnt work and if im not working we are penniless so i think its more of a risk not too for the time being
maybe when my business is bigger and theres more money behind me i will think of cancelling but by then the premium wont matter so much anyway :)
think i wil go for it, im not commited so i said for them to ring me back next week so will think about it for another week
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yeah but if i put 62 a month away thats only 700 odd a year if you are seriously hurt for a year or more you are knackered but at least with this policy it pays you out
its a risk not having it, its a risk having it if you never have to claim but its which one has worse consequnces??
only thing is i do have part timer, and at a push he could take on more work but at the moment i think i would just feel a bit more comfortable till i have more money rolling in form staff to have a protection for my own income
as i say it just about covers bills but thats enough as if i was off work the missus could get a job and i look after little un :)
Sean you are think in the right way and looking out for your missus and little one, you will always get the chancers in life that moan like hell when things go wrong..
I dont even work for an insurance company and I recommend you take some out ::)
Ian
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yep makes sense
i understand you lads saying dont bother, but yo had a lot longer to save and pay things off than me
im only 22, young family loads of outgoings
different circumstances eh
although its another outgoing it is gonna be one less worry if i get ill or injured :)
anyone who wants to contact the brokers i did they are really good and work through 38 of the top companies for a quote
they are advice based so they give you the right information rather than just selling there product
they are
www.bestdealinsurance.co.uk
if you sign up let them know think i get a voucher :) but that isnt my reason lol they are good :)
sean
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who you with ?
much is your premium if ye dont mind me asking
i am with a local working society, 42 quid a month
100 % for the first 6 months, then down to 50 % till i return to work
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100 % is good
mine reckon you only get 65% but that is forever from day one of claim if necessary (well till 65 anyway)