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• PRO

  Gary RK May 30, 2011 at 8:11pm

  Why not carry on ?

   

  If they are good and you have a business relationship with them it should be no problem.

   

  Our liability is with a firm in Birmingham and we're in Surrey. No problem - emails, phone and post sort it all out and has done for last 6 years.
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  Matt May 30, 2011 at 8:14pm

  I didn't renew when it some time ago because I stopped being self employed but I have decided to go back to being self employed and the quote they gave me was over £200 higher than when I was with them, so I am shopping around.... just like I do every year with the truck insurance.
• PRO

  Gary RK May 30, 2011 at 8:23pm

  Fair enough.

   

  Just one point. With liability insurance (and employers liability especially) you are legally bound to keep details of your insurers and your policies for, I think, 20 years for consequential liability.

   

  Insurances have sky rocketed over the last couple of years. Were they quoting like for like especially when declaring likely turnover and business base ?
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  Matt May 30, 2011 at 8:37pm

  Well they quoted based on my previous details so one would assume they did... I have just done a quick online comparison and came up with two that were considerably cheaper but they were with NIG and Groupama, neither of whom I have used before, not heard of before, hence the request for recommendations.
• PRO

  Gary RK May 30, 2011 at 8:41pm

  Both those companies are big players.

   

  You might try AVIVA (NU). We are with them thru a scheme and it's good. Policy tailored to suit.

   

  We have a Contractors All Risk Policy - PLI, ELI, Premises/Unit, Hired-in, Tools on site, Tools in Van cover.

   

  Lot of people recommend local NFU office - give it try as well.
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  Matt May 30, 2011 at 8:49pm

  NIG's is unbelievably cheap and I have just been through the restrictions and terms and I honestly can't see any fault with it, it even has a lower excess than all the others...
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  Lawnman May 30, 2011 at 9:03pm

   

  I use http://www.tradesmaninsure.co.uk/  good price for public liability, never had to claim but not just an online outfit you can actually talk to underwriters if your insurance is a bit complex. 
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  Jenny Bloom May 30, 2011 at 9:56pm

  Have you tried Simply Business Insurance Matt? - on here - do good rates for LJN members tailored to your needs. I had a good experience with them which beat my previous insurer on Public Liability when I was getting my Professional Indemnity Insurance - you can contact Tim Halstead at Simply Insurance direct to discuss your business needs - see his contact details on my old post.
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  Roy Parker May 31, 2011 at 6:41pm

  my  insurance is now done though swintons as they taken over the local brokers i used for a few years the insurer is mma i am paying the same this year as i have the last 3 years around 100 for a million cover