Optional Extension FAQs

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Explaining our Optional Extensions

Questions and answers that relate to the Optional Extensions that are available as part of our Tradesmans’ Liability product, what they’re designed to cover and when they can be added.

This information is provided as a guide only, and if you have any doubts or questions, you can give our friendly team a ring on 08000 280 380.

Full details of our Terms & Conditions, Limits, Excesses and Policy Exclusions can be found in our Policy Wordings. These guides refer to our Tradesman Insurance policy. Trade Direct do not offer advice relating to insurance, and you need to ensure that insurance you choose meets your demands and needs.

Q. What does Jury Service cover?

Q. What does Personal Accident cover?

Q. What does Personal Tools cover provide?

Q. How much Personal Tools cover can I have?

Q. What does Contract Works cover?

Q. What does Hired in Plant cover?

Q. What does Owned Plant cover?

Q. What does Stock in Trade and Transit cover?



Q. What does Jury Service cover?

A. Jury Service is something that many people find interesting and rewarding, but if you’re self-employed the financial implications of attending court can mount up in lost earnings. Aside from some exclusions, such as having been in prison within the last 10 years, you must do jury service when you’re asked, though under certain circumstances you may be able to defer it. While you can claim expenses and some loss of income from the courts service, these amounts may not cover your full income, potentially leaving you out of pocket.

Our Jury Service cover is designed to pay the policyholder a daily amount of £250 for the first 10 days (the usual amount of time required for jury service) and £50 per day thereafter, so while we can’t guarantee that your full income will be maintained, it should help. You cannot take this cover out if you have already been called for jury service.

The government provides information about Jury Service

Q. What does Personal Accident cover?

A. We have two Personal Accident covers available – Personal Accident (Weekly benefit), and Personal Accident (Death & Capital benefits).

Personal Accident (weekly benefit)

As someone who runs a business, and who therefore depends on being able to work to generate an income, being unable to do as the result of an accident at work is likely to be a significant concern. Personal Accident (weekly benefit) cover is designed to provide a weekly income if you are unable to carry out your usual occupation as the result of an accident sustained at work. If you purchase our Plus cover, you get £300/ week Personal Accident (weekly benefit) cover as standard, and you can increase this up to £500/ week. Personal Accident (weekly benefit) is not available on Essentials or Classic.

Personal Accident (Death & Capital benefits)

The impact of being killed or permanently injured while at work is something that few people would choose to think about. Should the worst happen, and you are killed while at work, or suffer a defined permanent disability such as the loss of a limb or an eye while at work, our Personal Accident (Death & Capital benefits) cover is designed to pay a sum of money. If you purchase our Classic or Plus cover, Personal Accident (Death & Capital benefits) is included as standard. This cover is not included within our Essentials cover.

Q. What does Personal Tools cover provide?

A. When selected, our Personal Tools cover provides 24 hour cover for loss of, or damage to, powered and non-powered hand held tools of all types belonging to, leased to, on hire purchase, loan or hired to you or your Employees. This cover includes European Union, including in transit. Mobile phones, smart phones, smart watches or similar wearable devices are not insured. You have the option to choose your Excess for Tools cover (Classic and Plus products). A minimum Excess of £50 applies, with a minimum Excess of £100 for losses from vehicles, and a minimum Excess of £250 for claims where payment is made for computers, tablets or similar devices.

Tools cover is available on our Classic and Plus covers.

Q. How much Personal Tools cover can I have?

A. Your personal tools are likely to be a critical part of your work as a tradesperson, and therefore knowing that they are adequately protected is likely to be a key consideration. With our Standard and Plus cover, we automatically include £1,000 of tools cover, and you can increase this up to £15,000.

Tools cover is available on our Classic and Plus covers.

Q. What does Contract Works cover?

A. The “Contract Works” extension provides cover for loss of or damage to the contract works for which you are responsible occurring at the contract location itself, or in transit to and from. It is designed to cover a property that is under construction, including un-used materials, and to cover claims arising from events such as fire, storm damage or malicious damage. We offer cover levels of between £100,000 and £1.5M. An Excess of £250 is applicable to each claim relating to this cover option.

Q. What does Hired in Plant cover?

A. This cover option can provide cover for loss of or damage to hired-in contractor’s plant of all types including scaffolding, temporary buildings and site office contents, anywhere within the European Union. So, if you have hired-in plant, and under your hiring agreement you are liable to pay for damages sustained to this equipment, this cover is designed to pay those costs. We offer cover limits of between £10,000 and £250,000. An Excess of £250 applies to each claim against this cover.

Q. What does Owned Plant cover?

A. The “Owned Plant” extension provides cover for loss of or damage to contractor’s plant of all types including scaffolding, temporary buildings, site office contents and site welfare facilities. This cover is applicable within the European Union. We offer cover levels of between £2,500 and £250,000. An Excess of £250 is applicable to each claim against this cover.

Q. What does Stock in Trade and Transit cover?

A. In additional to any Personal Tools cover you may have, you may wish to extend your policy to include stock and spare items. This extends your policy to provide 24 hour cover for loss of, or damage to, stock and spares in your custody and control for which you are responsible during loading and unloading, or whilst in any vehicle belonging to or operated by you. When added, we offer cover level from £1K to £5K. An Excess of £100 is applicable to this additional cover.

Any more questions?

If you have a question that’s not answered here, please ring us on 08000 280 380.

If you'd like to get a Tradesman's Public Liability quote, please visit our Public Liability page.

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