Insurance Poll

« **on:** March 05, 2007, 11:15:22 pm »

There has been many debates on who does and doesnt have insurance.

This survey is to find out some figures, not whether you should or should not have insurance.

« **Reply #1 on:** March 05, 2007, 11:30:12 pm »

yes axa

gaza

« **Reply #2 on:** March 05, 2007, 11:40:49 pm »

If you don't you need your head examined!

« **Reply #3 on:** March 06, 2007, 12:16:18 am »

you could have included how much people were paying too.

Mine is £239 (2mill cover, £500 excess and no height restriction)

« **Reply #4 on:** March 06, 2007, 05:22:32 am »

Quote from: JM123 on March 06, 2007, 12:16:18 am

you could have included how much people were paying too.

Mine is £239 (2mill cover, £500 excess and no height restriction)

Mine is about £180 for 5 million but with a 40 ft height restricxtion. Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.

« **Reply #5 on:** March 06, 2007, 07:15:51 am »

yes, but will need to upgrade it soon.

just about covered for leaky wellies

« **Reply #6 on:** March 06, 2007, 07:40:24 am »

what type of insurance equipment insurance, Liabilty???

« **Reply #7 on:** March 06, 2007, 09:13:15 am »

A NO

.

What a risk! For a couple of hundred quid get covered mate! It only takes a split second & could cost you thousands or everything you own! :

Macc

« **Reply #8 on:** March 06, 2007, 09:16:09 am »

Yes.

2 mil PL
Fully Comp for van and contents

No for sickness but on 'my to do' list

sarah

« **Reply #9 on:** March 06, 2007, 10:02:09 am »

i have £1,000,000 cleaning on a ladder up to gutter height.
£78 !
Bargain!

« **Reply #10 on:** March 06, 2007, 10:18:49 am »

5 million for my commercial work - max height 60' £168.00

« **Reply #11 on:** March 06, 2007, 06:48:41 pm »

Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.

Do it NOW if you have any work over 40ft - cos, sure as dammit, it'll be something over 40ft you'll have to claim for.

There's also something somewhere in your policy that says you have to inform them of any changes which might affect the conditions!

« **Reply #12 on:** March 06, 2007, 07:41:38 pm »

Mine cost £157.50 and covers me and 1 temporary employee for £2 million PL.

Also covers tools & equipment up to £1500.

Has a £250 excess and covers to 4th floor work only.

DJ

« **Reply #13 on:** March 07, 2007, 01:00:52 am »

I think the insurance companies here have huge big glass windows and they can see me coming - maybe I should offer to clean them

« **Reply #14 on:** March 07, 2007, 07:37:34 am »

Yes 2 mill cover
You will not get any commercial work without it!
Unless it is dodgy and I would run a mile
Safety first
Russ

« **Reply #15 on:** March 07, 2007, 07:40:47 am »

Yes 1 mill pl
al

« **Reply #16 on:** March 07, 2007, 07:55:18 am »

Quote from: DJ on March 06, 2007, 07:41:38 pm

Mine cost £157.50 and covers me and 1 temporary employee for £2 million PL.

Also covers tools & equipment up to £1500.

Has a £250 excess and covers to 4th floor work only.

DJ

What do they class as temp employee DJ ? Would that cover the summer months ?

Thats a good price - who was it with ?

Sarah

« **Reply #17 on:** March 07, 2007, 08:04:46 am »

Quote from: WavieDavie on March 06, 2007, 06:48:41 pm

Since I discovered that the 40 ft refers to the height of the work rather than the height at which the operative works, I will have to adjust that on the next renewal.

Do it NOW if you have any work over 40ft - cos, sure as dammit, it'll be something over 40ft you'll have to claim for.

There's also something somewhere in your policy that says you have to inform them of any changes which might affect the conditions!

Thanks for the thought but I have no work over 40 foot. Indeed, my longest pole is only 36 foot

. I would indeed contact the insurance company if work over 40 foot came up. I do intend to get a longer pole and higher work but no point upgrading the insurance unless I get such a job. My insurance renewal is in October. I will upgrade it then or when I get a 40 foot+ job - whichever comes first.

« **Reply #18 on:** March 07, 2007, 05:09:07 pm »

Leeksons were do you get your insurance from? i use axa they seem best but you seem to ave a good quote ther.

« **Reply #19 on:** March 07, 2007, 05:18:50 pm »

most councils now require £5000000 liability cover and some want 10 million ,we have just renewed ours but also includes employers liability insurance . It is worth asking your insurance if it covers what you are actually working on as most dont . ie cleaning a window and it breaks you wont be covered for the window but only for the damage the broken glass may cause.

Poll

Do you have Insurance