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Discuss Best Public Liability & Tool insurance in the Insurance for Plumbers area at UKPlumbersForums.co.uk.

  1. tom_plumb

    tom_plumb Guest

    Was just on another thread having dug out my insurance documents to check something then saw this discussion. Been with Ashburnham Insurance for a few years and paying about £200 per year for Plumbing AND Heating as I work on boilers, etc. It covers me for £1,000,000 and allows work on central heating systems up to 60kW which is more than enough. Notice most people have been quoting cheaper premiums with different companies but they all seem to be for Plumbing only. My insurer has always been good and my premium has gone down (yes down!) for the last 3 years (I believe I get a renewal or no claims discount each year) so reluctant to leave but can't turn a blind eye to some of the prices I've seen here. Anyone else here got cover for heating work?
     
  2. Keefy

    Keefy Plumber

    Got a quote over the phone from Allianz Insurance for £163 which gave me £1m public liability, £1,000 tools and would be subject to £200 excess. Reading through the PDF's they sent and they'd only put me down as a Plasterer/Ceiling contractor. The moment I noticed that they called me again to ask if I was happy with it which I obviously wasn't so they changed it to Plumber which bumped the price up to £350. Then because they'd made a balls up they gave me a discount which took it down to £283 but had a 'Hot works' clause of £500 excess.

    Tried Tradesman Saver and they quoted me £90 for £1m cover, £1,000 tools and £100,00 legal assistance. Decided I might as well take it to £2m cover instead for the £12 extra at just £112.

    I'll give everything a thorough read and most likely go with Tradesman Saver - and laugh really hard at Allianz when they call me back next week.
     
    Last edited: Feb 14, 2013
  3. Puffin

    Puffin Guest

    Anybody tried tools insurance online.com? Great quote for tool cover anywhere in EU up to £5000 value for £120 per year... Can that be genuine?
     
  4. Keefy

    Keefy Plumber

    Don't know, you tell us. You work for them don't you?
     
    • Like Like x 1
  5. Puffin

    Puffin Guest


    Thats a useful response, thank you...
    No. I don't work for them. I've just been quoted that online but it seems like it may be a scam as it's less than half the price I was quoted by my PL provider, for better cover.
    Worried about getting burned. Has anyone tried them?
     
  6. Keefy

    Keefy Plumber

    Then please accept my apology. No, haven't tried them myself but personally the name of the company puts me off for some reason.
     
  7. Puffin

    Puffin Guest

    Accepted!
    Just seemed a bit too good to be true somehow....
     
  8. rocketmanbkk

    rocketmanbkk Plumber

    That Tradesmen Saver PL is seriously cheap.

    I just got a quote for £112 for a year. Said yes to hot works.

    Is there anything I should be asking?
     
  9. tom_plumb

    tom_plumb Guest

    Sounds good! Think I will check these out when mine comes up for renewal. Only things I look out for on these different quotes is location restrictions (some are a bit funny about working at commercial type premises) and who the actual insurer is. One broker I tried gave me a good quote but I couldn't find any info about the insurer they were trying to put me with which put me off a bit. It was only £10 cheaper than who I'm with now so I didn't bother.
     
  10. rocketmanbkk

    rocketmanbkk Plumber

    I ticked the no commercial box as Im looking at domestic for the moment.
     
  11. tom_plumb

    tom_plumb Guest

    Ah! I do a few shops, offices and other commercial type places so that's prob why my current insurer is slightly more. Will still give this other company a look though once it comes up for renewal.
     
  12. TerryH

    TerryH Member

    Just had a quote from Tradesman Saver for £84!!!
    Simply Business wanted £218.
    TS are e-mailing the details to me but it includes hot work, £1000 tools & £2m PL insurance.
    Absolute bargain (once I've read the small print).
    TerryH
    :rockon2:
     
  13. Keefy

    Keefy Plumber

    Think that's the cheapest anyone's had here so far. I'm well happy with my deal from Tradesman Saver and hope their prices stay like that because I'll begrudge paying anything over £120 in the future. Hopefully I'll never have to use it and fork out those excesses.
     
  14. TerryH

    TerryH Member

    Just to keep you all updated.
    I applied for an insurance quote, as I said in my post above, and asked for confirmation by e-mail, which arrived this afternoon.
    The e-mail was infected by a Trojan horse virus which was detected by my anti-virus software and blocked.
    Next thing is to 'phone the company.
    TerryH
     
  15. nowucit

    nowucit Guest


    be really interested to know how you get once you have the small print . £84 is brill, well as long as there are great big holes to fall down :)
     
  16. ratrace

    ratrace Plumber GSR

    Our renewal is up in a couple of weeks. We were paying £468 for the year for 2 million and £2,500 tools/equipment. The cheapest i can get so far is with corgi and they want £787 for slightly less cover. Annoyed and baffled. Just tried this tradesman saver, hopefully they will cheer me up when they call back.
     
  17. rocketmanbkk

    rocketmanbkk Plumber

    I heard on the radio today about direct line price matching their like for like,

    had a look and it was over double what I paid with tradesman saver with the same levels.
     
  18. nowucit

    nowucit Guest

    Be great if you could share how you get on.
     
  19. ratrace

    ratrace Plumber GSR

    I just dont understand how it is near double with no claims. All that has changed is we are now a limited company. Corgi said that isnt affecting there quote it is just what it is. Im fuming.
     
  20. rocketmanbkk

    rocketmanbkk Plumber

    This is my first public liability so I thought if pay through the nose, not the case. I was very surprised.
     
  21. rocketmanbkk

    rocketmanbkk Plumber

    I am a one man band, no employees etc. maybe more for more people but don't know why yours has doubled.
     
  22. ratrace

    ratrace Plumber GSR

    There is 2 of us. Tradesman saver were useless as well. They wanted over £900????? without boilers/gas work it went down to £213. Is anybody else up for renewal about now? This is ridiculous.
     
  23. rocketmanbkk

    rocketmanbkk Plumber

    Ok, I am not gas safe so no boiler gas etc, no commercial etc.

    I must be basic of basic.
     
  24. Keefy

    Keefy Plumber

    Do you do commercial gas or something?
     
  25. ratrace

    ratrace Plumber GSR

    No, no commercial.
     
  26. Keefy

    Keefy Plumber

    Trying to make sense of this quote you have from TS, they want £700 more if you mention gas?
     
  27. ratrace

    ratrace Plumber GSR

    And boilers, yes. Speaking to direct line then and they were saying there has been a lot of massive claims from the plumbing and heating industry and insurers do not want to know and those that do are loading the premiums?
     
  28. JJ The Plumber

    JJ The Plumber GSR

    Been following this thread recently as my PLI is due and I'm amazed at the prices, mine has jumped up by nearly £200. I have another year no claim and still it goes up.
    Insurance is just a complete racket, the robbing B*stards.
    Don't bother with Direct Line they were £300 over the cheapest quote so far.
    I'm still searching, if I find anything decent I'll let you know.

    Cheers
     
  29. Barry98

    Barry98 Guest

    I agree I've just cancelled ours with direct line
     
  30. JJ The Plumber

    JJ The Plumber GSR

    Guys try Insure My Liability.
    I got a price on their site last night but didn't go any further as I'd had enough of the computer, my eyes were shot.
    Today got a call from them and she asked how good the price was (they were the cheapest I found) I told her it was ok but I'm still looking.
    Within 30 seconds she knocked off £25.00 so I paid for it there and then, job done.
    Emailed everything through within the hour so I'm a happy bunny.
     
  31. ratrace

    ratrace Plumber GSR

    At least its not just us being ripped off. How much did you get it for in the end mate?
     
  32. abc_plumb

    abc_plumb GSR

    Guys going for Trade Saver and stating they are Plumbers please be aware of the following

    This is from their quote they email you.

    Policy Endorsement
    In respect of your Plumber (General Domestic) business We will not indemnify You against legal
    liability in respect of
    Work other than on private dwelling houses, shops, offices, public houses, guest houses, hotels and single
    storey commercial properties and not exceeding 10 metres in height in respect of external work.
    Work involving the installation service maintenance or repair of air conditioning equipment other than in
    private dwellings and not exceeding 10 metres in height in respect of external work.
    Work involving the installation service maintenance or repair of Boilers


    So if you work on boilers this is not for you. I knew £82 was too good to be true. :cry_smile:
    The search continues!!
     
  33. Plum Bob 66

    Plum Bob 66 Guest

    It's not a case of too good to be true if you did read it and don't work on boilers , hence why it's good for some and not for others. That's the point of ts & cs . You make the choice dependant on the type of cover your business requires..!
     
    • Like Like x 1
  34. Simon F

    Simon F Trusted Plumber GSR

    my insurance is now due so I went on the Trademan saver site
    quote came in at over £400 noticed some bits that needed increasing/adding
    ended up about £800!
    so no good for me.
     
  35. Dan

    Dan Admin

    Just bumping this old thread.
     
  36. Fallon1982

    Fallon1982 Plumber

    Gladiator are worth giving you a quote... I couldn't find anyone close to what they come up with. £288 for 2 million cover a 500 tool cover.
     
  37. ShaunCorbs

    ShaunCorbs Trusted Plumber GSR Top Contributor!!

    i would say 500 isnt enough for tools thats one drill or fga tbh 5k isnt really enough
     
    Last edited: Jul 16, 2015
  38. Jay The Plumber

    Jay The Plumber Active Member

    resurrecting old thread..

    anyone got recommendations for both Public liability and tool insurance ?
    cant find anything under nearly £900 / year :(
     
  39. michael c

    michael c Plumber GSR

    I've been quoted 660 with direct line for £5 million cover and employee called a comparison company and they wouldn't quote as said wouldn't even get close to a grand I almost choked.
     
  40. Gasmk1

    Gasmk1 GSR

    trade direct are about £600.00 for me with 5 million cover
     
  41. leelister6

    leelister6 Plumber GSR

    • Like Like x 2
  42. Jay The Plumber

    Jay The Plumber Active Member

    right boys, in the end I found cover for £176 per year with 2 million..

    intasure

    the next cheapest was the fella above and they wanted £450
     
  43. Ch4 plumbing

    Ch4 plumbing Plumber GSR

    Yep I use Intasure always great advice and very reasonable, they wont cover over £5m though so if you need it higher your gonna have to look elsewhere.
     
    • Like Like x 1
  44. Masood

    Masood Guest

    £137.17 for 2 million cover with Intasure. Cannot find a better deal...
     
    • Like Like x 1
  45. MasterBusiness

    MasterBusiness New Member

    Ive had a couple of quotes from One Call as I have my car insurance with them. I have £1500 tool cover and 2million for liability at £340! Also have a referral discount for family and friends etc if you give them a bell and say you have been recommended you can have £30 discount need to give them this referral code though RECSM1 £300 decent for it
     
  46. JAH HEATING

    JAH HEATING Plumber GSR

    Henry Seymour have just sent myself my new price out for my upcoming renewa, £278 plus £25 fee.
     
  47. JAH HEATING

    JAH HEATING Plumber GSR

    Intasure £102 that's for £1 million

    A plan do tool cover upto £2500 for either £38 or £88.

    Surely they said £88
     
  48. Dan

    Dan Admin

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