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Q: What if I don't have an email address?
Q: How long is a quote valid for?
Q: How far in advance can I get a quote?
Q: What if I don't know the date of my claim?
Q: What if I don't know the amount of my claim?
Q: What if the cause of my claim is not there?
Q: How many claims can I have?
Q: What are the exclusions on this policy?
Q: What are the standard excesses?
Q: Do you accept cheques or cash?
Q: What does public liability cover?
Q: What does employer's liability cover?
Q: What if I haven't got a business name?
Q: What is the best insurance for me?
Q: What is an Employer Reference Number (ERN)?
Q: Why do you need my Employer Reference Number (ERN) when I request a quotation?
Q: What is the Employers' Liability Tracing Office (ELTO)?
What if I don't have an email address?
You will need to enter a valid email address to obtain a quote. If you do not have an email address you can still obtain a quote and buy a policy by calling us on 0845 303 1756. Calls may be recorded.
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How long is a quote valid for?
Your quote will be valid for 30 days from the day you receive it.
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How far in advance can I get a quote?
You can get a quote up to 30 days in advance.
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What if I don't know the date of my claim?
If you are unsure of the date of your claim(s) please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate date and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.
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What if I don't know the amount of my claim?
If you are unsure what the amount of your claim(s) is please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate cost and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.
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What if the cause of my claim is not there?
If you can not find the cause of you claim from the list provided, please contact us on 0845 303 1756 for help. Calls may be recorded.
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How many claims can I have?
You can provide us with up to four claims within the last 3 years. In the majority of cases we will be able to help, but our ability to provide a quote will depend on the information you supply. Unfortunately, if you have more than four claims we will not be able offer a quote
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What are the exclusions on this policy?
Please refer to the policy summary document where we detail the general exclusions. For more details please refer to your policy wording or call our customer services department on 0845 303 1756. Calls may be recorded.
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What are the standard excesses?
Your individual excesses will be found in the 'Your Summary' page when you have completed the quote details or alternatively please call us on 0845 303 1756. Calls may be recorded.
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Do you accept cheques or cash?
No, we only accept payments by direct debit and credit/debit cards. Cards that are accepted are American Express, MasterCard, Visa Electron, Visa, Maestro and Solo card.
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What does public liability cover?
This provides protection against your legal liability for death or bodily injury (other than to an employee) and / or loss or damage to third party property arising out of the operation of your business.
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What does employer's liability cover?
This protects you against claims for compensation from employees following injury for which you are legally liable
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What if I haven't got a business name?
If you do not have a business name then please enter your full name instead.
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What is the best insurance for me?
Direct Line for Business offers insurance solutions for a variety of businesses.
Click on the product links below to see the details of the cover provided by each of our products, or try our insurance selector by clicking on
http://www.directlineforbusiness.co.uk/product_finder.html which could help you to decide which of our products may suit your needs. Alternatively, you can call us on 0845 303 1756. Calls may be recorded.
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What is an Employer Reference Number (ERN)?
An Employer Reference Number, also known as an Employer PAYE Reference, is given to every business that registers with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any Employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees' income tax and national insurance contributions.
The ERN is printed or written on mandatory documents including the P45, P60, P11/D, and on most payslips. The format of the ERN is usually 999/XX99999 or 999/X99999.
Some businesses are not assigned an ERN because all Employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.
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Why do you need my Employer Reference Number (ERN) when I request a quotation?
If you select Employers' Liability (or it is provided automatically within your cover) and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN) you will need to provide us with your ERN.
If you purchase the policy, we are now required to supply employers' liability insurance policy details including, where appropriate, your ERN to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. This database will assist individuals who have suffered an employment related injury or disease arising out of their course of employment in the UK, to identify which insurer was providing employers' liability cover during the relevant periods of employment and to identify the relevant employers' liability insurance policies.
This information is mandatory only where you want your policy to start from 1st April 2012 onwards.
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What is the Employers' Liability Tracing Office (ELTO)?
The Employers' Liability Tracing Office is an insurance industry-wide initiative to help those who have suffered injury or disease in the workplace to trace the relevant Employers' Liability (EL) insurer via a centralised database of EL records.
The ELTO database will contain all new and renewed EL insurance policies from April 2011, policies from before April 2011 that have had new claims made against them and policies that have been identified through the tracing service.
For more information, please visit
www.elto.org.uk
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