Frequently asked questions

About Public Liability Insurance

  • QWhat is the Insurance Act 2015?

    The Insurance Act 2015 is a new piece of UK government legislation that becomes effective on the 12th August 2016. The purpose of this Act is to update the law in certain areas in line with best practise in the modern UK insurance market. To find out more and how it could affect you please go here: www.directlineforbusiness.co.uk/insurance-act-2015-overview

  • QHow long is a quote valid for?

    Your quote will be valid for 30 days from the day you receive it.

  • Q What if I don't have an email address?

    To get a quote online you’ll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1761.

  • Q What if I haven't got a business name?

    The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.

  • Q What if my trade is not on the list?

    If you can't find your exact trade, or one that best matches what you do on the list provided, please call us on 0345 303 1756. Calls may be recorded.

  • Q What do I do if I have multiple trades?

    You have the option to input up to seven trades so that we can fully understand your business. If you need some help selecting the right trade please call us on 0345 303 1756.

  • Q What does Public Liability cover?

    This provides cover 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.

  • Q Can you cover my van under the tradesman policy?

    Unfortunately your van is not covered under the tradesman policy but Direct Line does offer Van Insurance as a separate product. If you would like to get a quote you can do this online or call us on 0345 301 2882. Calls may be recorded.

  • Q What is the maximum number of people I can cover for manual work?

    Subject to the total numbers of persons engaged in the business not exceeding 15 at any one time Tradesman Insurance can be extended to cover a maximum of 50 days worked in total by all temporary employees.

  • Q What does Employer's Liability cover?

    This insures you against claims for compensation from employees following injury for which you are legally liable.

  • Q 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.

  • QHow far in advance can I get a quote?

    You can get a quote up to 30 days before you need the cover to start.

  • QWhat is Insurance Premium Tax (IPT)?

    Insurance Premium Tax is a tax payable on insurance premiums and is set by the Government.

    All documents outlining premiums, such as quotations, show how much insurance premium tax you're being charged. However, not all UK residents pay the tax, such as anyone who resides in the Channel Islands or Isle of Man.

    Please note that HM Revenue and Customs has increased the rate of Insurance Premium Tax from 6% to 9.5%. This will affect all policies from 1st November 2015 and will be reflected in the renewal premium.

  • QWhat if I don't know the date of my claim?

    If you're unsure of the date of your claim(s) please contact your current or previous insurance provider to find out. Or, you can enter an approximate date and then contact us on 0345 303 1760 to amend your claims details with the correct information.

  • Q 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 0345 303 1760 to amend your claims details with the correct information. Calls may be recorded.

  • Q What if I don't have an email address?

    To get a quote online you’ll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1756.

  • QWhat does Public Liability cover?

    This provides cover 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.

  • QWhat does Employer's Liability cover?

    This insures you against claims for compensation from employees following injury for which you are legally liable.

  • QWhat 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 0345 303 1756.

  • QWhat 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 0345 303 1756.

  • QWhat 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.

  • QDo you accept cheques or cash?

    No, we only accept payments by direct debit and credit/debit cards. Cards that are accepted are Visa, American Express, MasterCard, Maestro, Visa Electron,  and Solo card.

  • QWhy do you need my Employer Reference Number (ERN) when I request a quotation?

    If you select Employers' Liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to tell us your ERN.

    We need to give 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. The database helps people who have suffered injury or disease at work in the UK quickly and easily find the insurance company which was providing Employers’ Liability insurance at the time their injury or disease was sustained. 

  • QWhat is the Employers' Liability Tracing Office (ELTO)?

    The Employers' Liability Tracing Office (ELTO) is a service set up by the insurance industry. It helps people who have suffered injury or disease at work quickly and easily find the relevant insurance company. To do this, ELTO needs insurance companies to collect their customers' Employer Reference Number (ERN) where cover for Employers' Liability has been included. For more information, please visit www.elto.org.uk

  • Q 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 product finder which could help you to decide which of our products may suit your needs. Alternatively, you can call us on 0345 303 1756. Calls may be recorded.

  • QWhat do I do if I have more than seven trades?

    If you need to add more than seven trades under your policy please call us on 0345 303 1756. Calls may be recorded.

  • QWhat is the maximum number of people I can cover for clerical work?

    The total number of persons engaged in the business cannot be greater than 15. This includes employees who are solely engaged in clerical work as well as employees engaged in manual work. It also includes temporary employees. 

  • QIf I select the tools section will they be covered in the van overnight?

    Only if your van is in a locked building or compound. Please refer to the policy wording for full details.

  • QWhat if I haven't got a business name?

    The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.