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Reclaim Tax UK

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In partnership with Reclaim Tax UK

We're proud to have partnered with Reclaim Tax UK to offer you Public Liability insurance.

  • Up to £5 million Public Liability cover for your business needs
  • 24 hour tools cover available
  • Get £50 cashback from us when you buy a van insurance policy too!

 

Get a Quote

 

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Save on your Public Liability Insurance this year GUARANTEED

  • We GUARANTEE to SAVE you up to 20% when you join us*
  • Just get a quote and if we’re not already cheaper, we’ll beat your current renewal price by up to 20%!

*At least 10% of eligible customers will achieve the full 20% saving against their current renewal. Full terms and conditions below.

 

What is Public Liability Insurance?

When you're working on a job there are plenty of potential risks and hazards - not just to you and other tradespeople but also to the public. From tools and materials left lying around to exposed work areas close to the public, there is always the chance of an accident. Public liability insurance is designed to protect you and your business against claims from customers or members of the public.

Product features

  • Cover of £1 million, £2 million or £5 million available
  • Professional Indemnity Cover (Up to £100,000)
  • Financial Loss Cover (Up to £100,000)
  • Accidental Death Cover
  • First £1,000 of Tools Cover (can be increased to £15,000)
  • Personal Accident Cover
  • Plus optional extensions and extras

Who do we cover?

  • Sole traders
  • Contractors
  • Partnerships
  • Limited Companies
  • Limited Liability Partnerships
  • Insure up to 15 employees

What trades do we cover?

  • Over 70 recognised trades covered
  • Plumbers
  • Builders
  • Electricians
  • and more
  • Cover for secondary trades available

Why Trade Direct?

  • 150,000 customers so far
  • Over 30 Years Trading
  • Backed by Zurich insurance
  • Award winning
  • Expert UK telephone support
  • Quote and cover in less than 5 minutes
Tool rack

Public Liability Insurance cover options

In general

Public liability insurance will cover you for the following. Please note that the amount your are covered for will vary on your policy.

  • Compensation payments for a third party injury (or potentially death)
  • Coverage of medical fees for a third party
  • Medical fees while you defend claims
  • Repairs or replacements of property or possessions for the third party

Essentials

The best place to start is our Essentials package. Our quality liability product also includes basic indemnity insurance and cover for financial loss.

  • Public liability insurance of £1 million, £2 million or £5 million
  • Covers businesses with up to 15 employees
  • Covers businesses with a turnover of up to £3 million
  • £10 million of Employers' Liability cover included (for companies with employees)
  • 100 days of temporary employee cover included (for companies with employees)
  • Professional indemnity insurance
  • Financial loss

Classic

Our Classic package builds on the Essentials package by offering greater Indemnity Cover and Financial Loss, as well as Accidental Death and Tools Cover. 

  • Public Liability Cover
  • Professional Indemnity Cover (Up to £100,000)
  • Financial Loss Cover (Up to £100,000)
  • Accidental Death Cover
  • First £1,000 of Tools Cover (can be increased to £15,000)

Plus

Our most popular package, the Plus package builds on the Classic package by further adding Personal Accident Cover for the policyholder, which can be increased based on your needs. 

  • Public Liability Cover
  • Professional Indemnity Cover (Up to £100,000)
  • Financial Loss Cover (Up to £100,00)
  • Accidental Death Cover
  • First £1,000 of Tools cover (can be increased to £15,000)
  • Personal Accident Cover (£400 a week for workers named on policy)

Never Stop Saving with Trade Direct Insurance

Save when you join us

By switching your Public Liability policy to us, we guarantee to save you money on your current renewal price, on like for like cover. Acceptance criteria and terms & conditions apply. See how it works.

Save with special offers

All Trade Direct Insurance customers have access to special discounts on a range of products. From tools to materials to services, you can save money all through the year with our partner benefits.

Save when you join us - Here’s how it works:

Online customers

1. Get a Public Liability quote from us online. You must make sure that the details you provide are the same, or as close as you can get, to your existing insurance cover.

You’ll need to get to the “Summary of Quotation” page on our website and receive the “Full Quotation” email from us.

2. Ring Us: If we’re not cheaper, then please ring us on 0800 0280 380.

You’ll need to tell our sales agent that you got a quote online, and that you’d like them to beat your renewal. They’ll ask you how much your renewal price is, and ask you to send in proof of your renewal cover and price (see below)

Telephone quotations

If you’d like us to beat your renewal over the phone, please mention this to our sales agent at the start of your quote. If our quote isn’t cheaper than your current insurer, let our sales agent know how much you’re currently paying.

The agent will ask you to confirm details of your existing cover, and how much your current renewal quotation is for. They’ll also ask you to send proof of your renewal cover and price (see below).

Sending proof

You can send proof of your renewal cover and price to either bmr@tradedirectinsurance.co.uk, or via the post to:

Beat My Renewal
Trade Direct Insurance
Ockford Mill
Godalming
Surrey
GU7 1RH

If your current renewal is an email, it may be easiest to forward this to us at bmr@tradedirectinsurance.co.uk

If it’s a paper renewal, it may be easiest to snap a picture with a phone, and email this to us. We don’t need your whole renewal pack – just the key parts about cover and price.

You should keep the originals, as we cannot return documents sent to us relating to this offer

Terms and Conditions – Beat my renewal

  • The offer applies only to like for like cover to your existing Public Liability insurance policy
  • The offer is open to both new and existing customers
  • The discounted price is only available via the phone
  • The offer is only open to customers who have not claimed against a Public Liability or Employers’ Liability policy within the last 3 years
  • You will be required to send proof of your renewal quotation from your existing insurer including details of your cover and premium
  • The offer is based on the cover provided by our Essentials product
  • This offer is not open to customers purchased on any affiliate sites including Quidco, Topcashback and easyfundrasing
  • Acceptance criteria apply
  • Failure to provide proof of your renewal cover and price may either prevent or delay the provision of insurance at the offer price, or the cancellation of your insurance
  • Trade Direct Insurance will not return any documentation received in conjunction with this offer
  • Trade Direct Insurance Services Limited reserves the right to withdraw the offer at any point for any reason
  • The product and insurer offered as part of this promotion is at the discretion of Trade Direct Insurance, and may not be the product or insurer offered online
  • Underwriting terms, conditions and exclusions apply
  • There may be times when we are unable to offer cover, and our decision as to whether we wish to offer insurance is at our discretion
  • The offer is open to businesses located in the United Kingdom, including Northern Ireland, the Isle of Man and the Channel Islands
  • This offer cannot be used in conjunction with any other offers

 

Get a Quote

Reclaim Tax UK Ltd is an Introducer Appointed Representative of Trade Direct Insurance Services Ltd.