[Mark Farrimond]

Our website has now been redesigned making it easier to choose the right liability and equipment cover.

We can now also offer Personal Accident & Illness Insurance.

Please visit www.gleaminginsurance.co.uk

[Ian101]

Due in a few months will be in touch as woudnt go with Alexander Swann again ....  very inept when it comes to whom they broker policy to and what they can and cant do to sort a problem out.

[Mark Farrimond]

Thanks Ian, look forward to speaking to you nearer the time. 

[ok cleaning]

It s not cheap at all plus acsess £250 not the best either

[Mike #1]

It s not cheap at all plus acsess £250 not the best either






 

[Mark Farrimond]

OK Cleaning,

I assume you are referring to our Public Liability premiums?   Our premiums aren't the cheapest, you're right.  But we don't believe in arranging insurance that doesnt provide proper cover.  If you don't want to be covered for damage caused to the glass you clean then you will get a much cheaper quote online.  But as most claims are for damage to the glass being cleaned its up to you whether you want to risk it or not.

If anyone does new build cleans without damage to glass cover, then they are taking their lives into their own hands.  Have a read of this - it's a true story, though the names have been changed (to protect the innocent!!) - www.gleaminginsurance.co.uk/damage-to-property-worked-on.html

And then a £250 excess wouldn't be an issue.

[Paul Coleman]

Excess always seems to be higher when covering the property (usually glass) worked upon.  Understandable really as the risk to the insurer is also higher.
The main issue I had with insurers generally is the definition of "property".  It took a long time for some of them to make it clear that "property" means a piece of property (i.e. a thing that is owned) such as a window, rather than meaning just the actual building.

[H S and Son]

Paul I had that recently, when I had tp cancel a holiday. I wasnt entitled to the refund I thought I was entitled to. I thought I was entitled to 50% refund of the price of the holiday.

However, on requesting my funds I was told I was entitled to a 50% refund on the 'price' of the holiday. I had a conversation/discussion/arguement with someone in the travel agents office about my refund and was eventually able to work out that 'price' meant the cost of the holiday to them, not the customer, which is irrelevant and misleading to say the least.

Oh! the cost of the holiday, stupid me! When they say cost they mean the price (sorry is that price or 'price') they have paid for the holiday prior to selling it on to the punter.


So if you ask your travel agent what the terms are regarding cancelling a holiday and they say 50 % or whatever percentage of the cost of the holiday its 50% of the cost to them, therefore not 50% of what you paid! Crooks!

[Mark Farrimond]

Paul,

You are spot on with that. It is an ambiguos definition but "Property" in the term "Damage to Property being worked on" is, as you say, the actual item being cleaned at the time. 

Some insurers exclude property in your custody or control which pretty much means the same thing, you arent covered for damage caused to whatever you are in control of, eg a window.   Not all insurers use the same wordings and this doesnt help our cause.

If anyone ever needs help in understanding what you are covered for then please ask.  We are here to provide help and advice to all CIU members regarding insurance.  I will always try to reply to emails within a few hours - mark@gleaminginsurance.co.uk