Insurance Query

[Rich Rule]

Does anyone have any recommendation for insurance companies?

 

I am a freelance climber, without employees, truck chippers etc, looking for PL and Personal Accident cover... I have spoken to my bank etc about Income protection cover but thought it might be worth while to ask people who have already gone down this route.

 

Cheers,

Rich

[Andy Collins]

Rich, as a self-employed person, I wouldnt dream of not having some form of personal accident cover. After 7yrs without a claim, I seriously damaged my right arm, tore the muscle from the bone from the base of the bicep, thru the elbow, and down the forearm. As I couldnt carry out my everyday tasks I was classified as totally disabled for 20 weeks. Without the Accident plan I would have been broke. with it I could afford to support my family. As for PLI, I dont think its not worth having it either, companies you sub out to can see that you are serious, and its one less headache for them.

[Yorkshireman]

lycetts 4a high st knaphill 4 pli, eli

 

NFU Mutual for personal + vehicle equipment

[Paul Barton]

Hi Rich - I have got personal accident income protection with a company called Pioneer Friendly. My monthly premium is fairly reasonable, although I opted for the cheaper option of the payments starting after the first 4 weeks post incident. If you want the policy to pay out starting on the day you stop work the premium doubles.

 

This policy isn't just for accidents either - it'll cover you for any legitimate reason to stop work.

[Mr Ed]

NFU mutual. Cant rate them highly enough. PL EL and accident cover.

[RPA]

NFU mutual. Cant rate them highly enough. PL EL and accident cover.

 

[madmatt]

yep NFU all the way I've only claimed once and it was so simple they sorted everything.

[Mac McLennan]

Fellas, I approached NFU Dover for PL Insurance and they would only give me cover to a max height of 10metres......and it was gonna cost £2300.

 

Any Thoughts on this......Which office should I approach.

[skyhuck]

Fellas, I approached NFU Dover for PL Insurance and they would only give me cover to a max height of 10metres......and it was gonna cost £2300.

 

Any Thoughts on this......Which office should I approach.

 

Skipton.

[Lee Winger]

Fellas, I approached NFU Dover for PL Insurance and they would only give me cover to a max height of 10metres......and it was gonna cost £2300.

 

Any Thoughts on this......Which office should I approach.

 

 

I was going to post a similer thread, I was told last year they only insure landscapers, and tree work to X amount of meters, I was told as well they only insure up to 2mill, i'm not calling anyone a liar by the way, as during the insurance crisis the only firm who would insure me was the CIS, and my insurance cover was a one off