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
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.
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.
You have the option to input up to three 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.
Your quote will be valid for 30 days from the day you receive it.
Yes, you do not need to own the premises where your business is located.
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.
Unfortunately your van is not covered under our Home Business policy however 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.
This insures you against claims for compensation from employees following injury for which you are legally liable.
The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.
Many home insurance policies exclude property which is used for business purposes. It is important that your property is insured on the correct basis, which is why our Home Business product has been specifically designed for businesses run from homes. Our policy includes business contents in your home and other essential covers, such as Public and Products liability.
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.
You can get a quote up to 30 days before you need the cover to start.
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.
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.
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.
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 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.
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.
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
Sorry, but our policy is only designed to suit businesses employing a maximum of 6 people.
While our security requirements will depend on your individual details, you will need to be able to meet our minimum security requirements. You will also be asked a question about the security of your premises when the minimum level is not adequate. If the physical security measures need to be increased, an alarm is required or you will need to upgrade your existing alarm please call us on 0345 303 1756 to discuss our requirements. Calls may be recorded.
We realise that your insurance needs may change as your business develops. Please contact us on 0345 303 1756 whenever you need to change the level of cover on your policy. Calls may be recorded.
If you need to list specialist equipment and it can't be found in the Portable Equipment list, please call us on 0345 303 1756 to discuss your requirements. Calls may be recorded.
Whether an alarm is required on your property will depend on your individual details. There will be circumstances when an alarm is not required and you can get insurance. You will be asked a question about the security of your premises if our minimum requirements are not adequate. If an alarm is required or you will need to upgrade your existing alarm please call us on 0345 303 1756 to discuss our requirements. Calls may be recorded.
Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ.
Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. Calls may be recorded.
© 1999- U K Insurance Limited