Jump to content

Log in or register to remove this advert

Personal Injury Insurance - Do you have it?


Steve Bullman
 Share

Do you carry personal injury insurance?  

17 members have voted

  1. 1. Do you carry personal injury insurance?

    • Yes
      5
    • No
      12


Recommended Posts

You would say that wouldn’t you!

 

Anyway there are many factors at play, how stretched you are debt wise, children, mortgage etc. 

 

If in in the event of an accident you were able to cover these things with savings, spousal earnings or having employees do the work then it might not be value for money.

 

 

  • Like 1
Link to comment
Share on other sites

Log in or register to remove this advert

55 minutes ago, Tree Surgeon Insurance said:

So why would anybody not have it?

Because they don't want to pay the premium. I've always thought if it was me whacked out for a long while any cover would stop paying out after a while and I'd be relying on my savings anyway. Doing manual work I've always been suspicious of how the other half live.

Edited by tree-fancier123
  • Thanks 1
Link to comment
Share on other sites

14 minutes ago, Tree Surgeon Insurance said:

Good answer. But why would you insure your TV, tools or pets on that basis.  Also the best type of polices have a maximum claim period to age 65, not just one or two years. You should get a quote!

You've answered the question, apart from insurance that we have to have car, van, Employers we choose what insurance we take out. I've had two or three dogs for years and never insured them, saved myself a fortune. Like Mick said, if me or the missus went down we could live on just the one wage, but for the sake of £50 odd quid (I'd have to check) a month I chose to have cover.

Link to comment
Share on other sites

  • 1 month later...

I don't, but really need to sort it. I was refused a a policy three years ago as I was fresh back at work after a shoulder op, while off sick I saw a doc regarding stress, and was referred to mental health folk. That plus hobbies were too many risk factors apparently.

However, when I broke my shoulder I ended up being off work for almost a year, I was near financially ruined. Statutory sick pay is worthless, and why would you knowingly put the burden of earning on your partner in the case of anything going wrong? I'm amazed anyone in this industry would say no to it. 

Link to comment
Share on other sites

3 hours ago, Mr. Squirrel said:

why would you knowingly put the burden of earning on your partner in the case of anything going wrong?

Why wouldn't you? It's a partnership isn't it. 

 

Just playing Devil's advocate. I know my missus expects me to carry her and I am pretty confident she'd bugger off if she ended up having to carry me financially and/or emotionally. Physically she'd do her best.

Meanwhile we have been together 20+ years and doing pretty good.

  • Confused 1
Link to comment
Share on other sites

As someone lying here now with a broken fibula and tibia after an accident. I would thoroughly recommend getting insurance. I did not. Doing a dangerous job like forestry or arb day in day out, rain or shine, you need a plan in place. One day your brain farts and the near misses everyone has had, could become something alot worse. The thought of 2+ months with no income is not a nice feeling trust me.

Link to comment
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share


  •  

  • Featured Adverts

About

Arbtalk.co.uk is a hub for the arboriculture industry in the UK.  
If you're just starting out and you need business, equipment, tech or training support you're in the right place.  If you've done it, made it, got a van load of oily t-shirts and have decided to give something back by sharing your knowledge or wisdom,  then you're welcome too.
If you would like to contribute to making this industry more effective and safe then welcome.
Just like a living tree, it'll always be a work in progress.
Please have a look around, sign up, share and contribute the best you have.

See you inside.

The Arbtalk Team

Follow us

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.