FAQs

Take a read of our most fequently asked questions.

Frequently Asked Questions
  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • AIC has various insurers with different rules, and the age of the vehicle can change from one insurer to another. Typically, and historically the age of a vehicle classed as a classic car for insurance purposes was 20 years, but we’ve seen insurers offering as low as 10 years old for certain collectible makes, so best to give us a call to discuss your requirements.

  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Some parts of cover are legal requirements, such as the Liability cover section, but most of some insurance packages are just good business sense.

    We at AIC can normally offer various cover packages, starting with just the bare bone legal requirements and then build up from there. But it’s often just as cheap to buy ‘off the shelf’ packages of cover that give a wide scope of protection for smaller businesses, than trying to isolate just what is the legal requirement. As always its best to talk to one of our friendly staff, so we can talk you through the options.

  • There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.

    Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are only trading online, or you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Auction House Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are only trading online, or you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Gymnasiums Cover and Quotes by clicking here.

  • Great question, and it depends on exactly what type of Theatre you are running. Perhaps you are running a drama group, or you own a high street premises open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or even Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Trustee Indemnity, or Directors & Officers, to cover the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Theatre Cover and Quotes by clicking here.

  • Great question, and it depends on exactly what type of Cinema you are running. Perhaps you are running a pop-up outdoor event, or you own a high street premises open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or even Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Trustee Indemnity, or Directors & Officers, to cover the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Cinema Cover and Quotes by clicking here.

  • Great question, and one of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or even Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Trustee Indemnity, or Directors & Officers, to cover the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Nightclubs Cover and Quotes by clicking here.

  • Great question, and one of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or even Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Trustee Indemnity, or Directors & Officers, to cover the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Casinos Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are only trading online, or you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Builders Merchants Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are only trading online, or you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Garden Centre Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are a pop-up business changing venues, or you won premises and you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Restaurant Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are only trading online, or you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Pedal Cycle Business Cover and Quotes by clicking here.

  • Great question, and the insurance you need for thatched property is not that different to normal home insurance in what it covers. You still want protection for your most valuable assets being the buildings and/or contents. The real difference is which insurer will you end up with, and how much you’ll pay in premiums. Thatched properties are termed as ‘non-standard’ in the world of insurers, and there’s far less insurers willing to cover them.

    We at AIC have access to most insurance carriers willing to quote for Non-Standard homes, and we always recommend you start by having a conversation with one of our experienced staff.

    Visit our main website page for Thatched Property Cover and Quotes by clicking here.

  • Great question, and it depends on exactly what type of railway you are running. Perhaps you are narrow gauge for exhibitions only, or you’re operating a full gauge carrying passengers. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or perhaps even Products. Then there’s your premises which may include the building(s), business equipment and some stock perhaps.

    Then there’s some professional insurances, such as Trustee Indemnity or Directors & Officers, to cover the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Heritage Railway Cover and Quotes by clicking here.

  • Great question, and it depends on exactly what type of business you are running. Perhaps you are single vehicle for Private Hire, or you’re running a fleet for Public Hire. Obviously the vehicle(s) will need insuring properly, with a specialist insurance company, which gives you Hire & Reward cover for the usage.

    Also one of the basic covers would be Liability insurance, and this can be set to protect the Public or Employees. Then maybe you have an office and/or building(s) to insure, with business equipment etc.

    There’s also some professional insurances such as Directors & Officers or Cyber Cover to protect the business and management. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Taxi Cover and Quotes by clicking here.

  • Good question, and it depends on exactly what type of business you are running. Perhaps you are a general house builder, or working in a more specialist area such as groundworks only. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public and/or Employees.

    Then there’s your premises which may include the building, business equipment and some stock perhaps. Then there’s some professional insurances, such as Professional Indemnity or Directors & Officers, to cover the business and management against the advice it offers as part of its service. The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Construction Cover and Quotes by clicking here.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.

    We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.

  • One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.

    Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.

    There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA

info@aicinsure.co.uk