Insurance nonsemse and cs units.

[tommer9]

A friend of mine has just renewed his PL insurance. He asked me for some poijters and i basically gave him links to Trust, Arbinsure, Your insurance group, and the banner on Arbtalk advertising 'insurance for tree surgeons'(or whatever it is).

Well he has been trading for 25+ years, and has only ever done 30/31. So trust have said they will put a 5m height restriction on his policy, although a letter from a training provider stating that he IS competent would suffice without 38/39. Bit weird but there you go. The other companies said they didnt care if he had the tickets, and one company said they had never heard of cs30, 32, 38 or 39, and what was this cs business. I mean WTF????

 

They all also told him that he didnt need EL if his employee had their own. One company said they would beat trusts quote by £100 straight off, and still didnt require proof of training, and that trust made it up as they went along.

 

WTF are we supposed to believe? With all this differing information and copanies slagging each other off, and all having different criteria etc, I wonder if any of them would actually ever pay out, and furthermore, why should we all bother paying for training and insurance, esp given that in 25 years my mate has never had an accident. In 14 years i have never had one either.

HSE and best practice aside (as these are the obvious reasons for training and insurance), WHY??

i mean without proof of training to the insurer, any tom dick and harry or ne'erdowell can buy insurance and when asked can produce it, thus giving the impression that they are bona-fide etc etc.

 

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