[Ian Gourlay]

Having read on here of insurance policies for £89 I thought I would start to investigate.

Although I am awaiting an Official call from HSBC they only work by telephone appointments.

I did ask if their Public Liability Insurance covered me ifor any damage or treatment  problems-while working on Someones  furnishings I would be covered I was told it would.

I then did an internet qoute with a All Trades insurance company.
Just public Liability mentioned, again a very low premium. no mention of treatment risks.


On my present policy I am paying for Public Liability and Treatment risks and osts 3 times as much.

Have I got the wrong cover.  ?


Last Yeara highley skilled and respected cleaner had a problem with a suite.


Would Public Liability damage to property cover that situation.?

[craigp]

no 'public liability' will not cover items worked on,

its for injury to the public, things like if a custy tripped over your hoses and broke a leg.

i dont know why, but as you say some companies want £500 and more for 'public liability' and 'treatment risk'

i dont know why, its like car insurance can vary greatly in price too

go with HSBC there cheapest.

[the red carpet]

p/l and treatment £94 a year with hsbc, £500 excess

[clean-east carpets]

We are currently with McGregor lloyd £510 renewal received this week, I phoned HSBC as often mentioned on here and was told the same as Ian that they will phone me next wednesday , they are very busy according to rep.
Hopefully they will give a nice price, I don't want to pay the earth, but  I do like to have my insurance in the portfolio to show my customers
 

[Jason Hedges]

I'm also with Mcgreggor Lloyd and paying nearly £500 a year for public liability, treatment risk and equipment insurance.

After reading another post on here contacted HSBC by email. They contacted me Yesterday by phone and went through 5 minutes of general questions, time trading, predicted turnover, any claims etc. I asked if they needed any proof of training etc. and they said no. At the end of it they upped my cover and reduced the premium to £249 which can also be paid interest free by monthly direct debit.

I received the paperwork today and all looks good. Very efficient service!

I'm switching to them from 1st June.

Must just add though that I've contacted McGreggor Lloyd on a couple of occasions over the last couple of years and the service has always been first class. Shame they're twice the price for less cover!!

Kind regards,
Jason.