Plumbers Merchants Insurance
Professional Insurance Packages for All Types of Plumbers Merchants.
Professional Insurance Packages for All Types of Plumbers Merchants.
Welcome to Plumbers Merchants insurance from AIC
We’ve teamed up with several well known insurers to create a package insurance solution which then can be tailor made to suit your needs, you choose the levels of cover that suits your business, that way your not paying for cover which you just don’t need. And we’ve simplified things – we can give you an instant estimation on premiums from just a few quick questions so you know roughly what you should be paying, no lengthy forms or quotation processes, leaving you to get on with your business. If you like our estimate then we can quickly and easily formalise our quote into a precise and accurate policy fitting your requirements, ready for you to purchase.
Reassure yourself that we are a recognised and bona fide insurance broker acting under the FSA guidelines, we are an approved FSA insurance broker – see us on their register (Our Ref Number is : 301043) www.fsa.gov.uk/register/home.do
How about burglar alarms? Similarly to other security measures we are able to liaise directly between the installer and the insurance underwriter, so you get the approved system you want but without any hassle, simply contact our partners at ADT
We’ve teamed up with Fire Systems Consultancy to offer you any assistance you might need on either existing fire alarm systems or the installation of new systems if you so need, give them a call and mention ourselves where you will receive not only discounted rates but a service which is linked with your insurers requirements & expectations : Tel 0845 6262 777 or visit their website – www.firesystemsconsultancy.com
The guys at B-Safe who are health and safety specialists, they offer a visitation service which then highlights any shortfalls you may have, all done in the strictest of confidence, and they help you rectify the problems whatever they may be thereafter. Give them a call on 01476 577323 or visit their site www.B-Safe.org.uk – Once you tell them you’re working with us the initial visit is FREE OF CHARGE!
Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.
Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
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.
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.
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.
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.
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.
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!
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.
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.
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.