1. We've split off Commercial Electrician Talk and Industrial Electrician Talk from the main Electrical Forum. Please take note when you're looking for and posting new threads. :) 

    Checkout the new Electricians Directory which you can add your business details to for free.

    We've also teamed up with an insurance firm to offer you guys some discounted insurance. These guys will customise your insurance to fit your needs perfectly. Enquire using the following pages: VAN - FLEET - PROFESSIONAL INDEMNITY - OTHER TYPES OF INSURANCE.

    Dismiss Notice
  2. Checkout the new BritishForums.co.uk, register for free and enter the competition to win a £25 Amazon Voucher!

    Dismiss Notice

Insurance

Discussion in 'Business Related' started by jaydub, Jan 3, 2017.

Discuss Insurance in the Business Related area at ElectriciansForums.co.uk.

  1. jaydub

    jaydub Active EF Member

    Location:
    Suffolk
    Whilst I am in my last couple of months before I fully qualify as an electrician I will be self-employed and doing electrician mate work for various people. What do I do about insurance?

    I was looking at trade direct insurance and they seem like a good company, does anyone have any experience with them?

    Do I need to be fully qualified before I can take out an insurance policy?

    What are the grey areas here?

    Any help would be greatly appreciated.

    Thanks
     
  2. Advertisement


    to hide this advert.
  3. Taylortwocities

    Taylortwocities Electrician's Arms

    Location:
    Oxfordshire
    I had my PLI insurance with Trade Direct. Reasonable premiums. Never had a need to claim, and that's when you really find out if an insurance company is up to the task!
    Then NAPIT came up with a reasonable alternative insurance as part of their membership, so I switched to them.

    IMO, as you are self employed you really must have PLI for yourself. You will never know if the person you are working for/with has a policy that includes you.
    I do not know, ask the insurance company!
     
  4. jaydub

    jaydub Active EF Member

    Location:
    Suffolk
    I called them and they say I do not need to be fully qualified and there PLI and tool insurance is a must IMHO now I've looked into it so I will probably go with them, they seem quite helpful and it's not very expensive.

    Thanks for your reply
     
  5. davesparks

    davesparks Trusted Advisor

    Location:
    guildford
    Make sure you specify what you want to be covered for, some insurance will just assume installation work on single phase only, you have to talk to them if you do any 3 phase, inspect and test, emergency lighting etc etc.

    Also it's worth seeing if you can get personal accident and injury cover included
     
  6. Advertisement


    to hide this advert.
  7. Dan Johnson

    Dan Johnson New EF Member

    Location:
    Essex
    Business Name:
    Johnsons Electrical Contractors
    I was looking around for my insurance for quite a while as I had a bad experience trying to make a claim a couple of years back with my old insurer. In the end I went for a company called tradesman insurance 4u, they made it really easy for me to add on personal accident cover and I insured my tools as well. I don't think you need to be fully qualified but they were pretty helpful with my questions I had so just ask I guess. Their site is - Tradesman insurance 4U

    Hope this helps!
     
    Last edited by a moderator: Jan 13, 2017
Loading...
Similar Threads - Insurance Forum Date
Van Insurance for Tilers Vans Tiles - Advice on installing and buying tile Sunday at 1:52 AM
Profesional indemnity insurance The Electricians Arms Jan 16, 2017
New Insurance Deal Gets Forum Members Cheaper Insurance! Electrical Forum Nov 14, 2016
Van Insurance for Electricians Vans Insurance for Electricians Sep 28, 2016
Insurance Or Client Who Pays? Electrical Forum Sep 1, 2016