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?