Liability Insurance claim

[sythai]

Just seeing if anybody out there has had to ever make a claim off their public liability insurance before? Will be my first and hopefully last time within 8 years.

I've managed to chip a quartz worktop, which going to be a bill of around £5500-£6000 :wacko:

Wondering how much my premium could go up by, currently paying £230 with Trade Direct (includes indemnity and tools also.)

Any ideas, nothing I can do about it I know but just curious...

Cheers Sy

 

[i=p/u]

Don't know anyone that has claimed....

 

[brizospark]

Not sure mate but at the end of the day that's what it's there for and you will now be glad you have it!
I couldn't see it going up by more than 50%

 

[sythai]

that's what it's there for and you will now be glad you have it!

Definitely glad and well worth that yearly payment which doesn't seem too bad in comparison

 

[kingeri]

I know a plumber who claimed on his after his ladders fell onto an Audi A4 and wrote it off. I just rang him and he says his premium went up by about £70.

 

[dan86]

never had to claim on mine. feel sorry for you though. shouldn't have thought you'd be crucified for it next premium though.

 

[sythai]

I can handle extra £100'ish ..... hopefully fingers crossed and all that:rolleyes2:

 

[dan86]

let us know how it pans out. how did you chip it anyway? got a pic?

 

[sythai]

Will do..... thought somebody would ask, no pic sorry.

Casually walking through a customers kitchen when I tripped up and at the time had nice long (800mm) 25mm sds bit in my hand which went flying - Plonker :90:

 

[dan86]

oh dear! :/
what did the customer say. were they cool?
at least they're getting a nice shiny new worktop!

 

[Sintra]

Surely if you tripped in their premises then you should be claiming off them

 

[ian.settle1]

Surely if you tripped in their premises then you should be claiming off them

Not if he dropped something on the worktop and it got damaged

 

[netblindpaul]

I'd say 50:50 tbh!
The question is why did he trip in the first place...?

 

[sythai]

My fault not looking where I was going.... held my hands up on this one.

Customer sound, one of my better ones that I've been doing work for for years.

 

[dan86]

and I assume 5.5-6k is the cheapest to have it replaced?

 

[netblindpaul]

At that sort of value your insurer may will bring in the loss adjusters, make sure you are in FULL compliance with ALL the terms in your policy, and that you can prove this.

 

[iamelectric]

claim their a*** , am sure one of they companys off the tv will get u 10k compo say u hurt your big toe when you tripped