Had broker in yesterday afternoon at work to discuss our combined insurance, did the usual trying to short us and trim back figures for goods in trust and replacement value for plant and machinery and the likes, imho this makes it look like they are helping you in getting a cheaper premium but in reality you end up under insured and if worst comes to worse when you really need it you have given the insurance companies a get out clause. He reckons Aviva are the only real option and they are up in the region of 12% . This is not huge but will wait and see what his offer comes back at.
used NFU for the last few years of my biz life for all my ins. ..
engineering/biz combined, inc hot works, on/off site, public, product liability, vehicles, biz interruption, buildings, contents, stock, customers gear in hand, you name it-everything conceivable ...
were with Aviva for years, before calling them in ....
not only did they match them, but bettered the cover in a lot of aspects and saved me nigh on 90% off Aviva's premium ....
also had the facility to add/remove gear, easily, or give temp cover for particular jobs if needed
Aviva'd ripped me off for years claiming it was such a complicated set of policies, they were the only ones able to offer it. ...
turned out to be utter bollox.
have to say that the girls in my local office in Wormbridge are exceptional ... Aber were a bunch of knob heads
