POLICY CONDITIONS help_outline

OPTION 1 : Full Value

This is the cover the majority of our customers require for removal work, providing cover for your legal liability for the 'Full Value' of the goods. It is not restricted to a £40 single item limit as per BAR Conditions below. If you take responsibility for your client’s goods above this limit, you can insure them with this option. If you undertake any courier work, you will need this Full Value option.

OPTION 2 : BAR Conditions

If you are a member of the British Association of Removers (BAR) and issue their terms and conditions to your customers, this policy will align to those conditions. In the event of a claim, a single item limit of £40 applies. If you are not a member of BAR, you require insurance cover for over £40 per item or you are a courier in addition to a remover, you’ll need our 'Full Value' option.

GOODS IN TRANSIT COVER help_outline

Covers your legal liability for theft, loss or damage to goods that you have contracted to carry between one location and another.

Cover options from £10,000 for each trip and increases in levels up to £50,000. For specialised risk above £50,000, please contact us.

PUBLIC LIABILITY COVER help_outline

Public liability insurance protects your business against a claim due to damage/injury to third party persons or property.

Most networks will insist on a minimum level of Public Liability insurance for you to drive with them. It is advised to check with them first what level they require. Public liability is mandatory when you add Employer's liability.

EMPLOYERS LIABILITY help_outline

Employers’ Liability insurance will cover your legal liability for injury or death of any person employed by you.

If you have employees you must, in accordance with UK law, have Employers Liability insurance.

There are a few exceptions, you do not need employer’s liability cover if:

• you are a sole trader with no staff
• you run an unincorporated family business (in which all of your employees are closely related to you)
• the company employs only you the owner, where you own 50% or more of the share capital of the company

You can find more information about the requirements on gov.uk

If you select Employer's liability, you must also have at least £1m Public Liability cover. The quote calculator will ensure this is selected as a minimum.

VEHICLES help_outline

Select the number of vehicles you wish to insure.

We can quote max 5 vehicles online. If you have 6+ vehicles, please call.

EMPLOYEES help_outline

Select the number of employees you have in your business.

We can quote max 5 employees online. If you have 6+ employees, please call.

EUROPEAN COVER help_outline

Do you undertake any work in Europe? If so, cover is available.

Please select the most suitable option for your requirements. You can answer 'No' if you only go to the Republic of Ireland as this is included in our standard cover.