[Graeme@Access]

Excuse my moaning, but there is no-one in and im feeling sorry for myself.

I fell down a flight of stairs today carrying a steempro and chipped a bone in my ankle.  I have a football where my ankle used to be and an enormous bruise on my other leg where the machine landed on me.

The moral of the story :  Never carry a machine by yourself..... ever.

We are lucky to have staff that can continue to run the business in my absence.  Otherwise this years stats wouyld be 2-4 weeks down at least.

Graeme
Access Cleaning Solutions

[benny d]

That sounds nasty!
Get well soon Graeme

[AquaMagic]

Must admit this is one of the advantages of a TM, could you have got access with a TM?

Hope you get better soon.

Dene

[stuart_clark]

I had an acident a couple of years ago just lifting a Dry_fusion machine over a doorway and broke three bones in my right foot,unfortunatly I diddn't have anyone working for me at the time and was layed up for five weeks

[Doug Holloway]

Hi Graeme,

Sorry to hear of your problem, hope it heals soon.

Cheers

Doug

[Amethyst]

When I worked for someone else we used to hump a steempro up and down stairs so the first thing I bought when I started up was an extension hose. My machine splits in two but it is only caried upstairs as a last resort. Get well soon.

[stevegunn]

That's why I took an insurance policy out to cover me for such events after a mate of mine was running back to his car tripped broke his ankle in 3 places, he was off work for 16 weeks.

[jeff1966]

Steve,what's the cost of this type of insurance, and do you get paid out straight away? With some insurance  you have to be off for so many weeks before they pay out!

[matt jones]

I very nearly done the same thing today had to carry my rhino up 2 big fights of stairs to clean a flat blxxdy nightname was bringing it down the stairs after i had finished and lost my balance and nearly went head first with the machine down a flight of stairs thing ways a ton. Took a couple of nice guages out the wall where the stairs turn back back on themselves it was very narror and there was hardly any room to move.
matt

[Phillip Mold]

The insurance referred to is called Permanent Health Insurance (PHI). Delay before payout can be 4, 8, 13, 26,52 or even 104 weeks, the shorter the delay before payout the higher the premium, premiums also increase with age. Short deferred payout policies are VERY expensive.

If you do look into this check and ensure you understand the small print, most policies are "reviewable", i.e the premium will increase every five years (often doubling) up to your selected retirement age.

The biggest cause for dispute with this type of policy is alleged non-payment by the insurance company, usually because of alleged non disclosure of an existing medical condition by the policy holder.

I wish Graeme a speedy recovery of course, this is a reminder to us all, how long could we last financially without working if we have a more serious accident?

[Nigel_W]

Please don't suggest a truckmount as the solution to Graemes plight. A few years ago I jumped out of the back of the van and landed on my left foot on top of a two inch truckmount vac hose. The ankle went over and I fractuRed a bone in my foot. I got  a few weeks off watching the commonwealth games and the tour de france on telly.

Nigel

[stevegunn]

Steve,what's the cost of this type of insurance, and do you get paid out straight away? With some insurance  you have to be off for so many weeks before they pay out!

It pays out straight away and costs £50+ it pays enough to cover my mortgage

Ken Robson of Aiden mortgages sorted it for me 0191 478 8404
Ian Nagel was also competitive 0191 423 6200

[carpetguy]

Graeme

Get soda crystals..............wrap some, in something like a piece of an old shirt.............apply to the swollen area and cover with clingfilm, ideally adding mutton cloth to secure it, overnight. The swelling will reduce, according to the ammount of crystals and the pain will subside.

This will work on any area of swelling !!!!!!!

[Mike Osbourne]

There was an article in the Independent about a medical study where people with broken ankles had hypnotherapy and advanced on average three weeks ahead on the control group.

[Chris34]

I had a quote last week from Alliance and Leicester regarding insurance.  The payout was for any injury/illness even stress/depression at £500 a month up until I'm 60 years old (I'm 28), they didn't payout until after 13 weeks but did pay £16 a day if I was in hospital and quoted me £27 a month.  I'm thinking about it because if I broke my leg and was off work for 5-6 months then I'd find it hard to meet my outgoings.

It's very easy to think you don't need insurance when you are fit and healthy but in reality anything can happen to you either by accident or a long term health issue.


Chris.

[stevegunn]

I had a quote last week from Alliance and Leicester regarding insurance.  The payout was for any injury/illness even stress/depression at £500 a month up until I'm 60 years old (I'm 28), they didn't payout until after 13 weeks but did pay £16 a day if I was in hospital and quoted me £27 a month.  I'm thinking about it because if I broke my leg and was off work for 5-6 months then I'd find it hard to meet my outgoings.

It's very easy to think you don't need insurance when you are fit and healthy but in reality anything can happen to you either by accident or a long term health issue.


Chris.

Chris give Ken or Ian a ring they sorted my mate across the road out with a policy for £15 a month and it pays £528 if off sick.

[Chris34]

Steve thanks for the tip off but may I ask which Ken and Ian you are referring to?

Cheers

Chris.

[BDCS]

Hello, I got insurance with CICA ( combined insurance company of america ) who pay for the hospital stay and the broken bones and pay up promptly. They don't even consider motoX to be dangerous !

[stevegunn]

Steve thanks for the tip off but may I ask which Ken and Ian you are referring to?

Cheers

Chris.

Ken Robson of Aiden mortgages sorted it for me 0191 478 8404
Ian Nagel was also competitive 0191 423 6200

[Chris34]

Cheers thanks Steve.