liability insurance

[old gas bottle]

cant belive the HSBC, have declined to offer us public liability insurance and not given us any reasons why,never claimed bar a hundred quider years ago,model small company,whats going off with theese people.do all our banking with them,premises etc.

anyone found a good cover for this trade.

[Brian_UK]

Looks like you could be changing banks soon then?

[monkey spanners]

We are happy with the NFU, got vans, liability, etc with them. Maybe not the cheapest but very easy to deal with. They were recommended to me by many of my farming customers.

They were also the only people who i found that would insure my classic lorry for towing our fair ride with, at £65 per year!

[Samwitch]

I suggest you find a local insurance brokers and get them to do the leg work, what insurance is right for me may not be right for you.

[old gas bottle]

the bank has allways been o/k with us ,mainly because they allways have our moneyfound out today that they use axia for the insurance and thats where it goes tits up they pester you for a quote and then havent got a clue about the trade might just stick with tower

[B G Scott]

the bank has allways been o/k with us ,mainly because they allways have our moneyfound out today that they use axia for the insurance and thats where it goes tits up they pester you for a quote and then havent got a clue about the trade might just stick with tower

Had a similar experience a few years ago, the company we had our Public Liability with just decided over night not to renew, we had never made a claim. It took our broker quite a time to sort it out then the premium jumped from £400.00 to £1500.00.
Our broker said it was all down to the compensation culture in the UK these days, every time you turn on the TV there are ambulance chasing lawyers touting no win no fee compensation business.

[freezetech]

niceic have opened up to other trades always found them really good for specialised trades

[old gas bottle]

who,s that matey,is it through a broker or direct?

[freezetech]

who,s that matey,is it through a broker or direct?

electricians registration body i find their insurance is one of the best on market and because they deal with high risk trades they cover you for what you need at reasonable cost try w w w.niceic.org.uk

[Magoo]

Try a broker, they get the best deal, and prefer a total package type deal. Right down to Life insurance , home and contents, the full monty.
Thats when you bargin the price