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
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.
Your quote is valid for up to 30 days from the day you receive it.
You can get a quote up to 30 days before you need the cover to start.
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.
If you're unsure of the date of your claim(s) please get in touch with your current or previous insurer to find out. Or, you can enter an approximate date and then call us on 0345 303 1760 to change your claims details with the correct information.
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.
This insures you against claims for compensation from employees following injury for which you are legally liable.
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.
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.
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.
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 to amend your claims details with the correct information.
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.
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.
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.
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
The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.
Yes we can insure multiple premises on a single policy. Please call 0345 303 1762.
Under our Bed & Breakfast and Guest House policy we cover bed & breakfasts and guest houses, which are licensed to have a bar serving food and drinks for the guests. If the bar is separate to the business, but is on the same grounds please call 0345 303 1762.
We can cover businesses with up to 12 employees. If there are more than 12 people working for you please call us on 0345 303 1762.
Under our Bed & Breakfast and Guest House policy you can insure up to 12 bedrooms. If your premises are bigger than that, please call us on 0345 303 1762.
Under our Bed & Breakfast and Guest House policy we cover businesses, which are licensed to have a restaurant serving food and drinks to their guests. If the restaurant is separate to the business but is on the same grounds, please call 0345 303 1762.
Yes, we can cover private functions but we'll need extra information about the use of your function room, such as for Weddings, so please call us on 0345 303 1762.
We're afraid we don't provide any cover for bed & breakfasts and guest houses, which arrange excursions at all.
Yes it does, as long as you've taken buildings cover.
Depending on your circumstances, we might be able to offer you a quote - please call us on 0345 303 1756. We're unable to insure bed & breakfasts or guest houses that are unoccupied (i.e. by a member of your family, or someone employed by the business) for more than 30 days in a row.
Yes it would be, as part of our standard covers.
You'd be covered for public liability, in case a member of the public wanders in. But you wouldn't be covered for your personal contents, unless you take our household contents cover.
Yes we do, whether you rent out to guests via a holiday letting agreement, or just let to friends and family, we can offer a tailor-made cover to fit your needs. We can give you financial protection against things like fire, flooding, burglary and injury of a guest or employee and if the worst should happen and your holiday home can't be let, you can also cover yourself against lost rent. Please give us a call on 0345 303 1763 to get a quote or for any further information.
Yes, we offer cover for bed & breakfasts and guest houses, where guests have access to self-catering facilities (including the owner's kitchen).
Yes we do. If you are in England, Wales and Scotland, you can extend your buildings and business contents cover, for an additional premium, to include damage resulting from an Act of Terrorism. You can also extend your business interruption cover for any loss of turnover due to damage or not being able to access your property due to an Act of Terrorism. This can be added as an optional cover to your quote online or over the phone.
Terrorism cover is only available where 20% or more of the property is used for commercial use and can be added at new business and renewal. Cover is not available for household contents or personal belongings.
Yes. If your B&B, guest house or hotel is also your home, you can add home emergency cover to your policy. The cover can be added when you initially take out the policy, or when you renew, it can't be added during the policy year. It also can't be added if you have a commercial property on the policy.
Emergency cover includes call-out charges, labour costs and materials for insured emergencies involving plumbing, heating, drains, pest infestations or damage to windows or locks that leave the property insecure.
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