To help you, Lloyds TSB has put together some of the most common questions that customers ask.
Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quotation date.
Q: How far in advance can I get a quote?
You can obtain a quotation up to 60 days before you need cover to start.
Q: What if I don't know the date of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer, who should be able to provide the details you require.
Q: What if I don't know the amount of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had?
In order to obtain an online quotation your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past 5 years. If this is not the case you may still be able to get a quote for Essential Business Insurance but you will need to call the Business Insurance Centre on 0800 048 1669
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the policy summary. In addition, when you obtain a quotation any additional exclusions or conditions specific to you will be detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:
Public Liability - £250
Tools - £100
Contract Works - £250
Contract Works - Theft & Malicious Damage - £500
For full details please refer to the policy summary.
Q: What does public liability cover?
Public liability covers you against your legal liability in connection with your business to pay compensation and claimant's costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability.
Q: What does employer's liability cover?
Employers' Liability covers you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf
Q: Can you cover my van under the tradesman policy?
This cover can not be included under the Tradesmen Insurance policy. You can insure your van separately under the Commercial Vehicle policy.
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
The Complete Contractor Tradesmen Insurance policy enables you to choose up to three trades and to tell us the proportion of work you undertake under each of them. If this does not enable you to accurately reflect the work you do then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are detailed as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
The Complete Contractor Tradesmen Insurance policy enables you to choose up to three trades and to tell us the proportion of work you undertake under each of them. If this does not enable you to accurately reflect the work you do then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are detailed as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover ?
The policy is only suitable for businesses with up to nine people (including proprietors, partners and working directors). Should you have more employees than this then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: What covers are available under this product?
The following covers are available:
Public Liability
Employers' Liability
Tools
Contract Works
Personal Accident
Q: If I select the tools section will they be covered in the van overnight?
Yes, providing the vehicle has all points of access closed and secured by all the locks, and any other security devices you have fitted (e.g. a car alarm) are activated and the keys are removed. In addition, after 9pm and before 6am the vehicle must be kept in a securely locked building such as a garage.
Q: I employ more than 10 people, can you cover me?
The policy is only suitable for businesses with up to nine people (including proprietors, partners and working directors). Should you have more employees than this then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my home for my occupation, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business Insurance Centre on 0800 048 1669 for further assistance
