rising costs

[JAG63]

House insurance up 38% this year 'price of stone and scarcity of builders who can work with it', I'm in the wrong trade,

.

[spuddog0507]

My PL used to be with a company of here and when i first took it out the price was OK, so to give you some idea of what we do in the forestry sector is small clear fell jobs like up to about 200 tonne, windblown clearance  on boundry lines, stock fence repairs and dry stone wall repairs along with a few other things, i have no size or height limit on the trees we work on, now given every where we work is in the middle of no where and the risk is very very low my PL kept going up by £70 £80 quid a year untill it got to where they was asking for over £700, i just thought enough is enough and spent a wet and windy day ringing round other insurance firms, Ok there was a lot of No,s but came across a very helpful young lady who did what she said she was going to do, like i will ring you back in about 30 mins and yes true to her word she did, after a couple of calls quearing a few things she came back with a price of £186 for the same cover as from previous firm, so i went with her the year after it went up by £8 to £194 and £8 again this year to £202 this sort of increase i find acceptable unlike the £70,£80 a year increases i was getting before, i have been self employed since the mid 80s and only ever had one small claim in 88, i have all ways been a very loyal sort of person but in the last few years i have started to think a bit different as i dont think loyalty goes any where now a days, so top and bottom of it is it does pay to shop around now n then as i did and saved myself over £500 on one years PL insurance,,   

[Will C]

6 hours ago, spuddog0507 said:

My PL used to be with a company of here and when i first took it out the price was OK, so to give you some idea of what we do in the forestry sector is small clear fell jobs like up to about 200 tonne, windblown clearance  on boundry lines, stock fence repairs and dry stone wall repairs along with a few other things, i have no size or height limit on the trees we work on, now given every where we work is in the middle of no where and the risk is very very low my PL kept going up by £70 £80 quid a year untill it got to where they was asking for over £700, i just thought enough is enough and spent a wet and windy day ringing round other insurance firms, Ok there was a lot of No,s but came across a very helpful young lady who did what she said she was going to do, like i will ring you back in about 30 mins and yes true to her word she did, after a couple of calls quearing a few things she came back with a price of £186 for the same cover as from previous firm, so i went with her the year after it went up by £8 to £194 and £8 again this year to £202 this sort of increase i find acceptable unlike the £70,£80 a year increases i was getting before, i have been self employed since the mid 80s and only ever had one small claim in 88, i have all ways been a very loyal sort of person but in the last few years i have started to think a bit different as i dont think loyalty goes any where now a days, so top and bottom of it is it does pay to shop around now n then as i did and saved myself over £500 on one years PL insurance,,   

Who do you use now? 

[doobin]

8 hours ago, spuddog0507 said:

My PL used to be with a company of here and when i first took it out the price was OK, so to give you some idea of what we do in the forestry sector is small clear fell jobs like up to about 200 tonne, windblown clearance  on boundry lines, stock fence repairs and dry stone wall repairs along with a few other things, i have no size or height limit on the trees we work on, now given every where we work is in the middle of no where and the risk is very very low my PL kept going up by £70 £80 quid a year untill it got to where they was asking for over £700, i just thought enough is enough and spent a wet and windy day ringing round other insurance firms, Ok there was a lot of No,s but came across a very helpful young lady who did what she said she was going to do, like i will ring you back in about 30 mins and yes true to her word she did, after a couple of calls quearing a few things she came back with a price of £186 for the same cover as from previous firm, so i went with her the year after it went up by £8 to £194 and £8 again this year to £202 this sort of increase i find acceptable unlike the £70,£80 a year increases i was getting before, i have been self employed since the mid 80s and only ever had one small claim in 88, i have all ways been a very loyal sort of person but in the last few years i have started to think a bit different as i dont think loyalty goes any where now a days, so top and bottom of it is it does pay to shop around now n then as i did and saved myself over £500 on one years PL insurance,,   

I'd be amazed if you were properly covered for any sort of tree work at that money to be frank.

[spuddog0507]

11 hours ago, doobin said:

I'd be amazed if you were properly covered for any sort of tree work at that money to be frank.

We are correctly covered for what we do and where we do it, as if we where not we would not be sub contracting to who we do to, we work on approx 20 sites in Lancs ,West Yorks, North Yorks and the lake district, only one site has a power line running through it, one has a public footpath running through it and another one with a public foot path running along a boundry which i have never seen any one use yet, these sites are very remote and phone signal is either very poor or none at all, all this was stipulated when i took the PL out and after several questions later they came back with the price based on the information i had supplied,,,,