So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill

On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill

What do you do?

"Hugh - in either England or Spain" wrote in message
...
On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill

What do you do?

Have you tried http://www.tradedirectinsurance.co.uk/

we pay £400 for £2M free tools to £1k

Hugh - in either England or Spain wrote:
On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill

What do you do?
TV aerials, etc.

Bill

On Tue, 30 Oct 2012 21:35:19 +0100, Hugh - in either England or Spain
wrote:

On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill

What do you do?
http://www.wrightsaerials.tv/

--
Graham.
%Profound_observation%

Jane wrote:
"Hugh - in either England or Spain" wrote in message
...
On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill
What do you do?

Have you tried http://www.tradedirectinsurance.co.uk/

we pay £400 for £2M free tools to £1k


I'll be contacting them.

Bill

Bill Wright wrote:

So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

£2m PL around £100.
I've got Indemnity too, which adds around £75.
Never bothered with tool/materials insurance as it is rare to have stuff
stolen, and Festool replace anyway for £100 if it is stolen. Most of my
other kit is worth £100-200 a piece new, if it does disappear, then I'll
just go on ebay for another.
I'd be stuffed if the van was stolen with everything in (well actually,
not so bad now, as I only keep a small amount of stuff with me at all
times, other bits get taken out of the house as needed.

--
To reply by e-mail, change the ' + ' to 'plus'.

In message , Bill Wright
writes
Hugh - in either England or Spain wrote:
On 30/10/2012 21:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill
What do you do?
TV aerials, etc.

Clambering on rooves - dangerous insurance territory

I use Just Insurance, I'm not exactly what you'd call a tradesman, but
you might find them useful

I have their small business insurance

--
geoff

On 30/10/2012 20:15, Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

No van, and more desk based, but about 130+IPT for PI (£250K), then £270
for £10m Employer liability, £2m Public / Product liability and a few
other bits like £15K for office kit kept at home.


--
Cheers,

John.

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| John Rumm - john(at)internode(dot)co(dot)uk |
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IAll I know is that a major factor in deciding to retire completely was
that PL insurance was doubling in cost year on year, plus the ridiculous
(for me) requirement that the insurance documentation should be kept for
(was it?) 90 years.

--
Bill

Bill Wright wrote:
So what's reasonable? What do you guys pay? For public liability to £5m,
a bit of personal accident cover, tools and equipment to £10k?
I have a real problem with this at the moment. Any comparisons from
other one man one van traders would be welcome.

Bill
Thanks to all (helpful) relies so far. This is very interesting.

Bill

In article ,
(A.Lee) writes:
Never bothered with tool/materials insurance as it is rare to have stuff
stolen, and Festool replace anyway for £100 if it is stolen. Most of my
other kit is worth £100-200 a piece new, if it does disappear, then I'll
just go on ebay for another.

Even even exactly the same one ;-)
(as happened recently to my boss and his stolen camera).

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

On 31/10/2012 01:11, Bill wrote:
IAll I know is that a major factor in deciding to retire completely was
that PL insurance was doubling in cost year on year, plus the ridiculous
(for me) requirement that the insurance documentation should be kept for
(was it?) 90 years.

Yup, I have a friend who got forced out of his business by the insurance
costs. He ran a small pile driving business (small business and small
augured piles!). They used to do specialist jobs like piles for
underpinning existing properties etc, where there piling rig was small
enough to drive through a front door. When they started, the insurance
was a couple of k per year and carried on that was for about 4 or 5
years. Then the next year they were asking 19k, 45k the year after, then
finally 90k (they never had a claim). Got to the point where they would
be working half the year for the insurers and half for the tax man.


--
Cheers,

John.

/================================================== ===============\
| Internode Ltd - http://www.internode.co.uk |
|-----------------------------------------------------------------|
| John Rumm - john(at)internode(dot)co(dot)uk |
\================================================= ================/