public liability self employed

beard0609

Anyone know of any good places to buy this please???

dacouch

What do you do for a living?

beard0609

My husband is a smart (mobile carbody repairer) repairer

dacouch

The best places to try would be a local broker or look in his trade magazines as their will be companies who specialise in providing cover for Motor Traders which your husband will be classed as.

When buying cover be aware what the excess is (This is the amount you pay towards any claims). You also need to establish whether they cover the car he is working on at the time (The Insurer will probably describe it as "Excluding Damage to Property Being Worked On). Most cheap policies have this exclusion so if he is ok with this exclusion then no problem.

Be aware that most policies will also exclude Efficacy / Professional Indemnity, this means basically it does not cover him for not doing his job properly eg not matching the paints properly.

I personally would avoid any MMA policies if it was my money.

Does your husband have a Motor Trade Road Risk Policy (This coves him to drive his and customers vehicles), if he does then the Insurers may be able to offer cover.

*MF*

Hi ...

dacouch is correct in identifying the importance of exclusions to cover - the threads on this forum show that time after time - where what was believed to have been insured is in fact excluded - and it is only on the occurrence of an event that it is discovered - yep, that is too late.

In addition to shopping around with local Brokers, may I also suggest that you approach the VBRA (who include SMART repairers in their membership).

Frequently Trade Associations negotiate special insurance schemes for their membership - they are not always the cheapest (although they can be) - but they tend to be arranged with a detailed and experienced knowledge of the risks that are involved, and are less likely therefore to exclude cover which may be essential.

VBRA here:

http://www.vbra.co.uk/index.asp

Hope that helps.

dacouch

Thanks MF, I forgot to mention trade organisations (I normally do).

Thats good advice

beard0609

Thank you all for your replies... have emailed vbra for some advice