Reply to: Cheap PI PL insurance

[Clippy]

i found that due to the whole IR35 that it is good to take out a good form of insurance and i found Caunce O Hara pretty good.

If you have a clause of substitution in your contract, then you need to have employers liability insurance - as how can you provide a substitution and not be legally responsible for it ... so i found Caunce O Hara pretty pricey but good!

Troll!

[frdom123]

i found that due to the whole IR35 that it is good to take out a good form of insurance and i found Caunce O Hara pretty good.

If you have a clause of substitution in your contract, then you need to have employers liability insurance - as how can you provide a substitution and not be legally responsible for it ... so i found Caunce O Hara pretty pricey but good!

[Qdos Contractor]

If you buy the tax insurance you will also automatically be enrolled in the Qdos Freelance Club which entitles you to 3 contract assessments.

Too good to be true isn’t it… I don’t work for them BTW!!

http://www.qdosconsulting.com/qdosma...e=yytwz6mwvnfg

Don't know about the PI level though?

Just to clarify, it's £132 for a £1m limit and £168 for £2m. And you get the Freelance Club with any insurance, not just the tax products.

[gingerjedi]

If you buy the tax insurance you will also automatically be enrolled in the Qdos Freelance Club which entitles you to 3 contract assessments.

Too good to be true isn’t it… I don’t work for them BTW!!

http://www.qdosconsulting.com/qdosma...e=yytwz6mwvnfg

Don't know about the PI level though?

[wildkat]

Try Qdos

PL £40
PI £132
Tax insurance £99

It's the cheapest I've found.

Im in the market for PI/PL and that is seriously cheap, the next best was a broker then Hiscox. What is the PI level on that, it doesnt say on their website and does it include the "IR35 contract check" service?

[malvolio]

Which insurer is that Mal?

Randall Dorling, but via the PCG discount and with a few years NCD. If you're not already a member, that puts the price up a bit...but then who isn't a member?

[gingerjedi]

Usual caution applies - compare like with like. My PI/PLI/ELI is a shade under £200 for £1m PI and £10m ELI for instance. QDOS may well be cheaper but check first...

It’s the same cover, probably the same insurer.

I had it for the first time last year and I couldn't find anything near this price and found Hiscox to be the cheapest, I'm sure it was someone on here who pointed me towards Qdos?

[Bagpuss]

Which insurer is that Mal?

[malvolio]

Jaysus, I'm paying £350 a year for half a million PI cover. I need to change insurers...

Usual caution applies - compare like with like. My PI/PLI/ELI is a shade under £200 for £1m PI and £10m ELI for instance. QDOS may well be cheaper but check first...

[DiscoStu]

Try Qdos

PL £40
PI £132
Tax insurance £99

It's the cheapest I've found.

Jaysus, I'm paying £350 a year for half a million PI cover. I need to change insurers...

[Bagpuss]

Nice one Jedi ta!

It's the first time I've been asked for it since 2001!

[gingerjedi]

Try Qdos

PL £40
PI £132
Tax insurance £99

It's the cheapest I've found.

[oracleslave]

Ta, I'm sure there used to be policies for circa £200, mind you I had that dodgy CFT one last time (a few yrs ago)

I think the prices have gone up significantly since then. Do a search and I think you can get an immediate online quote.

[Bagpuss]

Ta, I'm sure there used to be policies for circa £200, mind you I had that dodgy CFT one last time (a few yrs ago)

[oracleslave]

Anyone doing good value cheap cover these days?
Cheers
BP

Have only ever used Caunce O Hara. Not sure they are the cheapest but did come recommended.