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  Andy Kenney January 7, 2014 at 8:16pm

  Depends on a few things Will - How much cover you go for - the premium will be dependent on your choice to go between £1M to £10M cover etc. Also, are you covering your tools in this policy? I've tried a few in recent years but with direct line for £5M PLI cover and tools.
• PRO

  Brian www.mibservices.co.uk January 7, 2014 at 8:16pm

  Try Giles Insurance. Great people to deal with and saved me £300 when I moved from Simply business two years ago.
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  Eugene Baston January 7, 2014 at 8:17pm

  Will

  It really depends on the level of cover you require - in terms of millions for liability/height working/kerbside work, etc etc, etc. If you specify here what you think you will need you'll get a better set of answers to your original question. The search box is a good place to start - from recollection NFU stands out as a favourite, along with Simply Business. But DYOR eh? :->

  Cheers, Eugene
• PRO

  Gary RK January 7, 2014 at 8:19pm

  There's a big button top of screen that may help you :-)

  

  Does depend on a number of factors, including t/o, but expect it to be sub £100.
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  Eugene Baston January 7, 2014 at 8:23pm

  Will

  I would add that if you intend to pursue commercial work, be it either town/city based lettings & rentals agencies or the London/Birmingham facilities managers (eg: Mitie/CRBE/etc/etc) you'll need more than the bare minimum of liability cover (=£1m).

  Cheers, Eugene
• PRO

  Nick @ NM Garden Services Ltd January 7, 2014 at 9:16pm

  You should see how much PL is required for working airside at a major uk airport. Answers on the back of an envelope please!
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  Russ Francis January 7, 2014 at 9:39pm

  Nick - how much does a jumbo cost ? "Whoops, well you shouldn't have parked it there should you guv !"

  Will - you need numbers. I used Simply Business as per link, Phil I'm sure the affiliate fees will come in useful ;)

  My policy is underwritten by AXA, public liability 1M (£250 excess), no employee liability, my tools in van £3000 (£300 excess), hired tools £5000 (£500 excess), policy is garden maintenance exc tree work max height 3m. Paid £261. Maybe I need to look for a cheaper quote next time lol.
• PRO

  Gary RK January 7, 2014 at 9:45pm

  Russell, you have far more than a PL Policy there, which is where the extra cost is..

  Anything to do with insuring tools, bumps it up disproportionately ...:-( Pure PL is normally 'cheap' unless you had a claim against you or want more than £5m cover

  Russell Francis said:

  Nick - how much does a jumbo cost ? "Whoops, well you shouldn't have parked it there should you guv !"

  Will - you need numbers. I used Simply as per link, Phil I'm sure the affiliate fees will come in useful ;)

  My policy is underwritten by AXA, public liability 1M (£250 excess), no employee liability, my tools in van £3000 (£300 excess), hired tools £5000 (£500 excess), policy is garden maintenance exc tree work max height 3m. Paid £261. Maybe I need to look for a cheaper quote next time lol.
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  Russ Francis January 7, 2014 at 10:49pm

  thanks Gary, not so bad then after all then.

  Still want to know how much it costs to hoon a van around a runway, c'mon Nick !
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  Paul McNulty January 7, 2014 at 10:59pm

  Nick, I'd guess £250 million? But then, I did my snowplough training today, and together with the airside driving exam I have seen the people who get through the selection!

  Simply Business are great, and should be c. £100 for a sole trader. Tool cover is very open to clauses that mean you could never realistically claim, so beware and read the small print.