Directline Tradesman Business Insurance: Assumptions made

Tradesman insurance assumptions - saving you time with your quote

Please ensure that the information provided by you is correct, and you comply with the statements on this page. Should you decide to buy this policy, these details will form the basis of the insurance contract between us. Incorrect information could invalidate all or part of the policy. Under European law you and we may choose which law will apply to this contact. English law will apply unless both parties agree otherwise. Our cancellation and complaints procedure is detailed in the policy documents, where you can also find the details of the 14 day cooling off period.

If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please call us. Incorrect information could invalidate all or part of the policy.

Mid term adjustments to your policy will result in a maximum amendment fee of £21.00 (including Insurance Premium Tax where applicable) in addition to any premium charged or refunded.

If you decide to cancel your policy during the period of insurance a cancellation fee will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus Insurance Premium Tax where applicable).

• Neither You, nor Your Directors nor Your partners have ever had a proposal for insurance declined, renewal refused, cover terminated, increased premium required or special conditions imposed by any Insurer

• Neither You, nor Your Directors nor Your partners have ever been convicted of or have any prosecution pending for any offence involving arson, violence or dishonesty of any kind (e.g. involving fire, fraud, theft or handling stolen goods)

• Neither You, nor Your Directors nor Your partners have ever been subject of a County Court Judgement (or the Scottish equivalent) or been declared bankrupt or insolvent.

• The number of persons working manually in the business (total of Proprietors, Partners, Employees, Working Directors, Labour Only Sub-Contractors and Trainees) does not exceed the maximum allowed of 10.

• Your business does not involve the use of hazardous substances, such as Radioactive Substances/Devices, Explosives, or materials giving rise to dust, flames or vapours, discharge of toxic or dangerous substances into the atmosphere, waterways or elsewhere and any substance regulated by COSHH regulations

• Your business does not use Cranes, Hoists, Passenger Lifts, Escalators and Scaffolding unless erected by a specialist scaffolding Contractor. Your business does not operate in what may be considered a high risk environment, such as Nuclear Plant/Power Stations, Gas or Chemical Works, Oil Refineries/Bulk Oil Storage, Off Shore Structures, Airfields/Airports, Railway Property, Quarries, Towers, Steeples, Chimney Shafts, Bridges, Viaducts, Flyovers, Underpasses, Docks, Harbours, Piers, Wharves, Dams, Reservoirs, Lakes, Rivers, Foundries or Forges, or in connection with Tunnelling, Mining, Piling, Ground Stabilisation, Underpinning, Dewatering, Water Diversion, Flood Protection, or Sea Defences, processes involving a noise level exceeding 90 decibels, Manual Work outside of the EEC.

Link to previous articles: Direct Line Tradesman Insurance: Claims FAQ Direct Line Tradesman Insurance: How to make a claim? DirectLine Business Tradesman Insurance FAQ Direct Line Business Insurance: Overview Directline Life Insurance: Level of Cover you need Directline Life Insurance: Tips and Advice