Frequently asked questions

About Office and Surgery 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

  • 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 9.5% to 10%. This affects all policies from 1st October 2016 and will be reflected in the renewal premium.

  • QHow long is a quote valid for?

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

  • 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.

  • 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 1740.

  • Q What if I don't know the date of a past claim?

    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.

  • 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 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 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 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.

  • 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.

  • 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.

  • 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.

  • 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 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.

  • 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.

  • 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.

  • 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.

  • 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 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.

  • QCan you cover my van under the Office / Surgery policy?

    Unfortunately your van is not covered under our Office & Surgery 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 303 1756. Calls may be recorded.

  • QWhy do you only ask for my postcode at quote stage?
    This is to save you time. If you decide to accept a quote then we will ask for your full address later on in the process.
  • QHow will I know what security my building will need?

    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.

  • QI don't have an alarm on my property can I still get insurance?

    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.

  • QIf I don't select a certain cover on my policy now, can I add it later in the year?

    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.