electrical trainee stealing all your work, least its not all the polish immigrants getting the blame nowadays
if your struggling to find £400 per year (£7 per week), and sitting at home for 3 weeks at a time with no work, then you need to rip up your current business plan and have a rethink
theres a big hint in the part 'sitting at home' with no work, and de-valuing your image by dropping napit to save a few quid is not gonna help in the long term, most insurance companies now recognise napit eicrs they wont with stroma they dont even cover eicrs in their scope
Assuming your own prices are reasonable value then, if you are really losing work to people trained in a few weeks undercutting you, then you either have......
A, the wrong type of customers
B, the wrong image, attitude and/or approach to pricing for work
C, unable to offer anything more that a quick course installer(in which case crack on and join stroma)