Clean It Up
UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: Eddie_Rhone on January 20, 2010, 06:14:23 pm
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Hi Everyone
I've used HSBC for my business ins in the past but they have now transferred their bus ins to AXA whose bus ins policy does not include treatment risk. Can anyone recomend a good ins company for carpet cleaners that include treatment risk.
Kind Regards
Eddie Rhone
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Try Quoteline Direct 0151 489 0529.
I have my van and business insurance thro them. Business is with Quinn, dont know if you can deal direct with Quinn. Treatment Risk is standard.
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You could try NFU you will probably have a local office too.
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hi eddy,
we have our insurance with axa and although it isnt included as standard, they will add it on for you, at a premium of course.
didnt make a huge difference to the cost though.
trena
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Eddie
Bit confused I’m (sole trader) with HSBC (as the broker) PL + risk treatment on documents mine with Allianz.
Len
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I also have the same as Len
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In the past appear to be the operative words! ;) I really need to brush up on my English item 8. :D Panic over hsbc insurances are still going, just love discounts 17% off of what ??? ??? ::)
Cut and pasted
Business Insurance
Offer 12 months cover for the price of 10 months (17% discount). This offer applies for enquiries introduced by HSBC Bank plc branches and call centres, and telephone enquiries made directly to AXA Insurance UK plc using HSBC telephone numbers, and in relation to which a quotation is issued by AXA Insurance UK plc during the Sale period. All insurance is arranged, underwritten and administered by AXA Insurance UK plc.
1. Sale period 4th January 2010 until 14th February 2010.
2. Quotations are valid for 45 days from the date that the quotation is given.
3. Offer only applies to the following AXA Insurance products: Tradesmen, Professionals, Shop, Office, Surgeries, Working from Home, Property Owners and Flats.
4. Quotations and cover cannot be guaranteed, as some trades/risks may not be acceptable to AXA Insurance underwriters and all quotations are subject to AXA standard terms, conditions, limitations and exclusions which are available from AXA Insurance UK plc on request.
5. All quotations are subject to the policy minimum premiums which override any discounts and take precedence (premium cannot fall below minimum premiums).
6. The sale offer is only applicable to the premium for the first year of insurance.
7. Premium instalments are available (the standard instalment surcharge will apply) subject to a deposit of one month premium followed by 11 equal instalments and timely provision of all the necessary payment information.
8. This offer is not available to existing HSBC Business Insurance Customers/Policy Holders.
9. Business hours are 8am to 6pm Monday to Friday, excluding public holidays.
10. Telephone calls may be monitored or recorded.
Len
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Without hesitation I would recommend the NFU. They were so good I had to check that it was like for like. When you ring up you can understand the other person speaking and they are very helpful.
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Towergate Risk Solutions are very good too.
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Len HSBC insurance is being past over to AXA when you renew, NOTE: AXA will drop the 'treatment risk' part of the insurance without letting you know and the new cover will only be Public Liability.
Some may be caught out by this and go on thinking they got Treatment Risk when they dont!
I rang AXA and asked if they can add it for extra they said they dont do treatment risk.
So I too will be looking for a new insurer when HSBC policy ends.
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Hi all,
I have just rung AXA about this and they told me that I was fully covered for treatment risk after moving from HSBC. I also asked wether they could put this in writing and they have agreed to do so.
John
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Len HSBC insurance is being past over to AXA when you renew, NOTE: AXA will drop the 'treatment risk' part of the insurance without letting you know and the new cover will only be Public Liability.
Some may be caught out by this and go on thinking they got Treatment Risk when they dont!
I rang AXA and asked if they can add it for extra they said they dont do treatment risk.
So I too will be looking for a new insurer when HSBC policy ends.
yep John same here, i do have cover for treatment risks, it is with axa and i too have it in writing.
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I have just got of the phone with AXA and was told i would not get treatment risk on my renewal 18/02/2010 BUT as i was typing this post a phone call back from AXA telling me yes it would be included in my policy.
I had explained why I had called after reading a post on a carpet cleaning forum.
What she did say which seemed a bit strange was some policys would still get treatment risk and some would not !!!!!!!!!!!
Best thing i think you can do is call them to see how you stand.
Cheers Tony
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Im with HSBC but the policy is with Allianz, only renewed couple of weeks since and it is full risk cover.
Mark
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My proposal from AXA never said 'treatment risk' or refered to it anywhere, and they told me they wont offer it ???
maybe I should call again to check, does your AXA proposal/certificate auctally say treatment risk?
Have you told them its to cover items worked on? and it does cover it? as the girl I spoke to never even heard of treatment risk
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Im with HSBC but the policy is with Allianz, only renewed couple of weeks since and it is full risk cover.
Mark
but does "full risk cover" include treatment risk", Mark?
I only learnt about treatment risk two years ago when I wanted to join the NCCA and they stipulate you must show proof of treatment risk cover.
I was surprised and shocked when my broker told me my ins. company did not and would not do treatment risk.
I changed companies and actually saved money.
I always thought that what you are working on was covered - WRONG obviously.
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Just called them again he said this issue has been looked at by senior underwriters to make a dississcion if they can offer this cover and they decided NO they could not.
I was told They definutly arent doing treatment risk.
I told them some colleuges believe you are and he said all I can say is maybe thier occupations different.
Are you guys down as general cleaners?
as for 'carpet and upholstery cleaning' they are not able to offer insurance for items worked on.
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"Product Liability" is the term often used instead of "Treatment Risk". All business policies should have it, I think you're just using different language to them, they only read off scripts after all ::)
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Hi Guys
It seems my thread has opened up a can of worms. Just clarify my position my policy was with Allianz through HSBC and had come up for renewal and was transferred to AXA they same as some others on here. I was orginally told no treatment risk, but having seen some of the comments on here I contacted them again and one of there underwriters called me back. She said that as I had had treatment risk on my policy with HSBC they would provide it on their policy. She said there were some admin problems between HSBC and themsleves and they were not sure which policies with HSBC had Treatment Risk and which did not as HSBC had not given them that information so it seems they decided not to include it unless you query it. Something for all HSBC insurance holders to think about when their policies come up for renewal with AXA I think.
Kind Regards
Eddie
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Mark the letter i recived from HSBC was dated 22/12/2009 so it is possible your renewall was done before they have decided not to offer the service and move it to axa.
My old HSBC Allianz policy same as Marks has TREATMENT RISK incorparated in it.
Craig as I said in my post they rang me back to say it would be included in my policy I will let you know when I get it in black and white if she is telling the truth or not. ;D ;D
Cheers Tony
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Eddie.
GLAD YOU DID M8.
I for one would not have looked into it until i got my renewall in Febuary. Then its panic stations.
Cheers Tony
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Im with HSBC but the policy is with Allianz, only renewed couple of weeks since and it is full risk cover.
Mark
but does "full risk cover" include treatment risk", Mark?
I only learnt about treatment risk two years ago when I wanted to join the NCCA and they stipulate you must show proof of treatment risk cover.
I was surprised and shocked when my broker told me my ins. company did not and would not do treatment risk.
I changed companies and actually saved money.
I always thought that what you are working on was covered - WRONG obviously.
Hi,
i was with insurance company for about 6 years,and when i wanted risk treatment cover they could not cover you for what you do,only around you they said.
We are now with a company in london,and we have full risk treatment cover,with unlimted cover,so now we have the full monty!!!
Not bad i thought for employers cover as well,and covering all aspects of the cleaning trade!
£420.00 with the tax bit included ;)
Joe,you must be insured in the same place where i am yeh!! Mr C. :D
Regards Gary :)
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My proposal from AXA never said 'treatment risk' or refered to it anywhere, and they told me they wont offer it ???
maybe I should call again to check, does your AXA proposal/certificate auctally say treatment risk?
Have you told them its to cover items worked on? and it does cover it? as the girl I spoke to never even heard of treatment risk
our policy was with axa from the outset, we went to great lengths and many many telephone calls to ensure that treatment risk was included. we explained in great detail the type of work we do and the processes involved.
the first years policy we were assured it was included but could find nothing in writing, so when the policy came up for renewal we INSISTED it was included or else we were going elsewhere.
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Thanks Eddie
I’ve been with hsbc for years and it’s a roll on type Allianz take the money each month and hsbc send me the paper work august time, will watch my bank account don’t want to pay twice.
Len
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If you have your AXA schedule read section 101 on page 11.
Thats the section the guy told me they had to make a deccision on.
If section 101 IS on your schedule your not covered!
NCCA have gave me a list of insurers to use that will give me the cover I need.
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The real question is why do we need Treatment Risk insurance, is it just because the NCCA say we should ?
They don't have it in the USA, because insurers won't give you cover against you making a cock-up, you are expected to know what you are doing.
Food for thought ?
Steve
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Very good point that Steve
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Something I have always had for the Decorating side of thing is product risk same as treatment risk just another name makes sense to have it. Covers you not for your cock ups but if the product or treatment you are using causes a problem as long as it has been used correctly.
Cheers Tony
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The real question is why do we need Treatment Risk insurance, is it just because the NCCA say we should ?
They don't have it in the USA, because insurers won't give you cover against you making a cock-up, you are expected to know what you are doing.
Food for thought ?
Steve
Why do we have Public Liability Ins then? Surely we supposed to put Health & Safety of others at the forefront of whatever we do?
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As far as I'm aware Joe, Public Liability is a legal requirement for any business. However, Treatment Risk isn't.
Not trying to be imflammatory, just raising a question.
Steve
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Steve to give you an example of why you need treatment risk.
There are so many factors beyond the control of the cleaner such as, to mention only a few: fugitive dyes, fugitive buckram, water marking, pile shading, fugitive seat lining, chemical reaction from previous cleaning materials and from foreign matter of various kinds, ingrained soil, light fading, shrinkage, weak, tender, defective or deteriorated materials which disintegrate in the hands of careful workmen, that it is impossible for the Company to guarantee that in process harm or damage may not occur to the article being processed. This is especially so in the case of spotting, since the very nature of some spots and stains, e.g. oxidized rust, liquor, cosmetics, inks,etc, make it impossible to restore original color or texture. Consequently, all work is undertaken at the customers’ risk. The Company will however use its best endeavors to undertake the work contracted for in a proper manner and will take all reasonable steps to produce the best results possible.
In the event of a claim where we accept liability, compensation shall be limited to one half of the original cost of the goods and no article shall be deemed to have a value exceeding £15 sq.yd of fabric unless, before the work is commenced,the true value of the goods is declared
to us in writing,. Where such declaration is made, the Company reserves the right to charge
an additional price.
The Company cannot recognize, or be bound by, any other verbal or written assurances conditions or warranties made by them, its agents or staff.
David
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Hi Dave, hope you're well.
I do understand the benefits of having Treatment Risk and I guess for the small extra cost involved it's no bad thing to have.
I suppose we are lucky we don't live in a litigious society, which must be why they don't have it in the USA.
Steve
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Interestingly Steve, Public Liability is NOT a legal requirement or at least that was the case three years ago, unless that has changed.
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Public libility is NOT a legal requirement but Employers Liability IS.
Having PL is good businesss practice and some business demand you to have it or they will not deal with you.
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I agree Joe, Im not suggesting not having PL just pointing out a fact 8)
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Hi Craig
I was just confirming what you thought to be correct 3 years ago is still correct.
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These guys know the score.
http://www.carpet.cleaning-insurance.co.uk/
Cheers
Chris
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HSBC have cost us a small fortune by pulling out of the insurance game. They were so cheap with motor insurance (one of the reasons they've pulled out!) that to go elsewhere has brought tears to my eyes!
Most of the staff involved have either been made redundant already or on notice. This is a shame as they were always polite and helpful.
On to Public, Product (including treatment risk) and Employers; we use Allied Insurance Services. Way ahead of anyone else we spoke too.
Try them on 0844 815 6211.