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Posted: Wed Jul 27, 2011 8:47 pm
by Keith.kg
can anybody tell me how to get public liability insurance to become self employed
i got layed off last week and have registered for a utr number but no-one will insure me.help!!!!!
Posted: Wed Jul 27, 2011 8:52 pm
by klutter
Sorry to hear about your problem Keith. First of all:
1. Are you currently in an IVA?
2. Have you been given an explanation as to why your application was refused?
Posted: Wed Jul 27, 2011 8:58 pm
by kallis3
Hi and welcome.
If you are in an IVA then there are very few companies who will consider you.
What is a utr number?
Posted: Wed Jul 27, 2011 9:09 pm
by Foggy
Hi. What trade are you in ? Is there an association or some such that do a group plan for members?
Posted: Wed Jul 27, 2011 9:13 pm
by Keith.kg
[quote]Originally posted by klutter
Sorry to hear about your problem Keith. First of all:
1. Are you currently in an IVA?
2. Have you been given an explanation as to why your application was refused?
1.ihave 3 years left done 2
2.most insurance companies just say sorry we dont do public liability insurance for bankrupts or insolvents
Posted: Wed Jul 27, 2011 9:19 pm
by Keith.kg
[quote]Originally posted by kallis3
Hi and welcome.
If you are in an IVA then there are very few companies who will consider you.
What is a utr number?
do you know any companies i tried all the market leaders and there all circus clowns
a utr number is a self employed tax number that you can give to someone your contracting for and they pay your 20%tax and you pay your own national insurance
Posted: Wed Jul 27, 2011 9:20 pm
by Keith.kg
Foggy wrote:
Hi. What trade are you in ? Is there an association or some such that do a group plan for members?
electrician
Posted: Wed Jul 27, 2011 9:22 pm
by Broke of London
Hi. Have you tried a broker? Alternatively, your trade union or professional association might be able to help x
Posted: Wed Jul 27, 2011 9:22 pm
by Foggy
Are there any trade bodies which offer PL insurance as part of the membership?
Totally different field, but I used to belong to one that had an umbrella policy for all paid up members, no-one ever asked about solvency. all they were interested in was that you had the qualifications / experience to join the trade association (and therefore weren't too great a liability!).
Posted: Wed Jul 27, 2011 9:26 pm
by kallis3
I have not known of many who have been able to get insurance.
Thanks Keith for that - I'd no idea what it was.
Posted: Wed Jul 27, 2011 9:39 pm
by Keith.kg
Foggy wrote:
Are there any trade bodies which offer PL insurance as part of the membership?
Totally different field, but I used to belong to one that had an umbrella policy for all paid up members, no-one ever asked about solvency. all they were interested in was that you had the qualifications / experience to join the trade association (and therefore weren't too great a liability!).
im about 2 weeks from sitting the 2391 course to become a NICEIC approved installer they might helpi supposei could ask cheers
Posted: Wed Jul 27, 2011 10:48 pm
by Hookdex
SIS will cover you:
http://www.saleinsurance.co.uk/bankrupt-insurance.aspx
Most insurance brokers will be able to find someone who will cover you - expect to pay an increased premium though.
Posted: Thu Jul 28, 2011 10:35 am
by Simply_Business
Hello Keith,
There are a number of options that we could go through to get you some cover. If you get in touch via *link deleted* we will be happy to put together a quote for you.
Kind Regards
Tim
Sorry Tim, you are not allowed to advertise on the forum.
Posted: Thu Jul 28, 2011 10:48 am
by kallis3
Just in case y0u were wondering - normal posters can post links to companies that may be helpful in an IVA but companies are not allowed to tout for business on here.