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dazmond

  • Posts: 18423
PLI.......how much are you paying?
« on: December 07, 2018, 07:48:11 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

price higher/work harder!

Gomo

  • Posts: 3592
Re: PLI.......how much are you paying?
« Reply #1 on: December 07, 2018, 07:56:50 am »
15 a month with gleaming

Includes items worked on though..,actually took that out when I did carpet cleaning and connys etc.

Could probably just get away with basic PLI now I am 99% windows.


Cookie

  • Posts: 898
Re: PLI.......how much are you paying?
« Reply #2 on: December 07, 2018, 08:05:12 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

That's cheap. Does that cover items worked on?

zesty

  • Posts: 754
Re: PLI.......how much are you paying?
« Reply #3 on: December 07, 2018, 08:18:05 am »
Just had my renewal, £100 odd with simply business.

It started at around £50 and has gone up year on year...

dazmond

  • Posts: 18423
Re: PLI.......how much are you paying?
« Reply #4 on: December 07, 2018, 08:20:40 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

That's cheap. Does that cover items worked on?

no.....
price higher/work harder!

dazmond

  • Posts: 18423
Re: PLI.......how much are you paying?
« Reply #5 on: December 07, 2018, 08:22:12 am »
Just had my renewal, £100 odd with simply business.

It started at around £50 and has gone up year on year...
NO insurance company rewards loyalty.........
price higher/work harder!

Shrek

  • Posts: 2553
Re: PLI.......how much are you paying?
« Reply #6 on: December 07, 2018, 08:25:29 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

That's cheap. Does that cover items worked on?

no.....

A bit pointless then if your not covered for property worked on. What happens when you crack some glass with your hot water? Why do you buy a policy that doesnít cover you for property worked on?

Iím with gleaming- canít remember exact amount but I think itís double what your renewal is

dazmond

  • Posts: 18423
Re: PLI.......how much are you paying?
« Reply #7 on: December 07, 2018, 08:40:57 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

That's cheap. Does that cover items worked on?

no.....

A bit pointless then if your not covered for property worked on. What happens when you crack some glass with your hot water? Why do you buy a policy that doesnít cover you for property worked on?

Iím with gleaming- canít remember exact amount but I think itís double what your renewal is

ive never broke anything more than a few plant pots and roof tiles(not a problem with wfp)in 25 years of window cleaning so i dont see the point.......

the PLI is for if i injure someone and they try to sue me (plus i need it for some commercial jobs i clean)
price higher/work harder!

dazmond

  • Posts: 18423
Re: PLI.......how much are you paying?
« Reply #8 on: December 07, 2018, 08:51:44 am »
i did crack a pane of glass in jan this year but it already had a little crack in it so the customer replaced it themselves at no charge to myself... ;)
price higher/work harder!

Whey_Aye_Banzai

  • Posts: 12115
Re: PLI.......how much are you paying?
« Reply #9 on: December 07, 2018, 09:04:57 am »
just got my renewal through(£80-00) for 1million cover,always paid around £65 before(insurance premium tax is now 12% though from 6%)........simply business......

I need 5 million quid; some jobs require that level; but it's not that much more than yours, from Simply Business.

Whey_Aye_Banzai

  • Posts: 12115
Re: PLI.......how much are you paying?
« Reply #10 on: December 07, 2018, 09:09:33 am »
A bit pointless then if your not covered for property worked on. What happens when you crack some glass with your hot water? Why do you buy a policy that doesnít cover you for property worked on?

As Daz says, it's really if you injure someone, somehow.  Drop a pole on their head or something; but a local window cleaner to me did sub a job out to a family member and they had a set of ladders blow from the side of a wall and land on someone's head.  He posted about it here a few years back.  I'm not sure how that turned out, but that would be the kind of situation you'd use this insurance for.

Otherwise it's a tick-box exercise for some commercial jobs that require their window cleaners to be insured.  And you can also use it as a selling point.

Wor Lass has recently been DBS checked (for something non-window cleaning related), but I think I'll get DBS checked too and use that also.

The perception that window cleaners are drug-taking scallywags can be useful if you appear not to be (which most aren't, I know).

Simon Trapani

  • Posts: 753
Re: PLI.......how much are you paying?
« Reply #11 on: December 07, 2018, 09:10:51 am »
Iím with Polished insurance & it does cover glass worked on. Obviously thereís an excess. Iím sure it wasnít much extra than my previous company. Hard for me to compare now though as itís all rolled in with my tools cover and/or employerís liability I think. Canít remember off the top of my head.

Daz, why spend four grand on a hot system, have a new van and then skimp roughly an extra £50-£100 a year on insurance? Yes itís unlikely youíll ever need it but you could say the same about car insurance. Itís just peace of mind for me personally.

Whey_Aye_Banzai

  • Posts: 12115
Re: PLI.......how much are you paying?
« Reply #12 on: December 07, 2018, 09:21:26 am »
Daz, why spend four grand on a hot system, have a new van and then skimp roughly an extra £50-£100 a year on insurance? Yes itís unlikely youíll ever need it but you could say the same about car insurance. Itís just peace of mind for me personally.

I've never broke a pain of glass in 15 years (well not really; popped a few panes of real leaded glass out of badly maintained windows before) so that's £50 x 15 years = £750 quid saved.

If I/we ever did break something, we'd just cough up for it.  That'll work out cheaper in the long run (think increased insurance premiums too).

nathankaye

  • Posts: 4678
Re: PLI.......how much are you paying?
« Reply #13 on: December 07, 2018, 09:37:16 am »
Im with alexandra swan and pay about 90 for 3 or 5 million and property im working on. (Cant recall full details ie 3 or 5 million without looking at it again, which wont be untill i renew it as in all the years of using it, ive not had to use it. Haha ive come close with customers trying it on tho)
facebook.com/1NKServices
1NKServices.co.uk

Soupy

  • Posts: 9522
Re: PLI.......how much are you paying?
« Reply #14 on: December 07, 2018, 10:34:18 am »
Just had my renewal, £100 odd with simply business.

It started at around £50 and has gone up year on year...
NO insurance company rewards loyalty.........

https://www.nfumutual.co.uk/about-us/mutual-bonus/

Soupy

  • Posts: 9522
Re: PLI.......how much are you paying?
« Reply #15 on: December 07, 2018, 10:42:34 am »
Daz, why spend four grand on a hot system, have a new van and then skimp roughly an extra £50-£100 a year on insurance? Yes it’s unlikely you’ll ever need it but you could say the same about car insurance. It’s just peace of mind for me personally.

I've never broke a pain of glass in 15 years (well not really; popped a few panes of real leaded glass out of badly maintained windows before) so that's £50 x 15 years = £750 quid saved.

If I/we ever did break something, we'd just cough up for it.  That'll work out cheaper in the long run (think increased insurance premiums too).

You don't need to actually do anything wrong for it to be an issue though. There is nowt stopping folk accusing you of wrongdoing even when they know it wasn't you. Lee Bumbridge posted a situation on FB that is likely to run into £1000s. I have had two similar instances of it myself (although not quite on the same scale).

Handy if you can just pass it off to your insurers to fight for you.

Proud Gammon

  • Posts: 5080
Re: PLI.......how much are you paying?
« Reply #16 on: December 07, 2018, 10:59:28 am »
What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

 that's why I didn't vote and why loads of other thickets shouldn't have voted. I didn't know how to vote

Soupy

  • Posts: 9522
Re: PLI.......how much are you paying?
« Reply #17 on: December 07, 2018, 11:04:34 am »
What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

deeege

  • Posts: 3168
Re: PLI.......how much are you paying?
« Reply #18 on: December 07, 2018, 11:07:09 am »
Madness not to be covered for buildings worked on. I clean a college that has a full section of glazing that cost £2k per unit, 60 of them, unlikely but if I somehow managed to damage that it would ruin me. £15 a month well spent imo.

"....and it's lend me ten pounds, I'll buy you a drink, and mother wake me early in the morning."

Gomo

  • Posts: 3592
Re: PLI.......how much are you paying?
« Reply #19 on: December 07, 2018, 11:34:20 am »
Mine covers property worked on but if you are 100% residential window cleaning it's probably not needed. I've never broke more than a plant pot, gnome or vase etc and that stuff can be lobbed in the hedge  :D