 What is a good cheap car insurance company in England? |
I am 38 years old
I am currently with A-Plan and pay £270 a year
Additional Details
little weed confused.com also sends me endless junk mail I don't want.... |
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 I HAVE HAD A CAR ACCIDENT IN CYPRUS AND I WAS PASSANGER,SHOULD THE INSURANCE PAY ME NOW BECAUSE I CANT WORK? |
| I CANT FLY HOME BECAUSE OF INJURIES AND THE INSURANCE WILL PAY FOR ALL DAMAGES AFTER IT IS SETTLED BUT ARE THEY OBLIGED TO PAY ME SOME MONEY NOW BECAUSE I CANT WORK AND I AM STUCK IN A COUNTRY WITH NO... |
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 I am a high risk driver and need sr22 form. Does anyone know who would insure me.? |
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It's actually for my 18 year daughter who had license suspended for 3 months for 18 points in 18 months. Needs insurance badly.... |
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 Is it okay to call at-fault driver to see if he has insurance? |
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 I am pretty much homeless, I have an annuity, can i take that out for emergencies? |
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Um yea, thanks for your answer Erica. I am on my uncles pc just so you know. And I said pretty much. If you didnt know, there was no reason for you to answer. Thank ... |
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 Which home insurance company should I choose? |
| I'm currently shopping for home insurance and I need some answers quickly. I currently have Allied Insurance and am thinking switching over to Western Mutual because of the cost for the policy. A... |
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 Can I purchase Zyban under my insurance? |
I am going to try Zyban or Chantix, but are they covered by my company health insurance?
Some of my friends say Yes, some say No.
T... |
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 Seriously...How do you really understand your car insurance coverage? |
| It's certain things that the company doesn't make very known about how much is paid if an accident occurs. Can someone help me? I recently purchased a policy with Geico. 500 deductible on ... |
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GAYNOR D | Is it a legal requirement to have insurance when you are self employed? |
I am about to sign a contract, as a self-employed contractor, and one of the point refers to me having liability insurance. Is it a legal requirement? |
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welcome news
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There is no legal requirement to have insurance if you are self employed - other than employer's liability insurance if you employ anyone (or are operating a ltd liability company - except in some circumstances).
That having been said, a person entering into a contract with you may request that you have insurance so that they know that if something goes wrong then they will be reimbursed due to your negligence. If they ask for it then if you agree to the contract then you are bound to arrange insurance - you are perfectly free to try and negotiate a contract where you won't need insurance, or walk away from this one.
I don't know your occupation but public liability insurance for most single-person contractors is usually pretty cheap (<£100) - unless you are using heat/ working in high-risk locations etc.
If you are operating as a sub-contractor it may be a requirement of the principal contractor's public liability insurance policy that they ensure that all subcontractors have liability insurance. |
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Capt Jack
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It depends on what you're being contracted to do, surely?
It may or may not be a legal requirement, but if it says it in the contract it is a contractural obligation, by accepting the contract you are agreeing to the terms and conditions. |
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Silke
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Maybe not but it's a usually a commercial requirement and it's prudent. |
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fivetoze
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er YES...
if someone has an accident on a job, and you havent got ins, a broken leg will cost you many thousands.. can you afford not to have it? |
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JOHN R
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I am not sure that it is a legal requirement. However every self employed contract I have been offered over the years has demanded one. No liability insurance then no contract. |
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aires69uk OFFICIAL
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It is not a legal requirement to have Public Liability - BUT it would be extremely dumb not have it though. However if anyone works for you directly, or indirectly in so far as you are legally responsible for them - then it is a legal requirement to have Employers Liability for them (and you won't get that without having PL for both you and your employee/s). |
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src50
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Most states require a contractor's license, liability insurance and (if you have any employees) workers' compensation insurance. |
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vikki w
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Well i don't suppose its legal but it is smart i mean can you afford to take time off work because of an accident?
I would get insurance |
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Helen S
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Yes, you cannot work otherwise. |
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michael b
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It probably is. Most states require licensed contractors to carry both liability and workman's compensation insurance. Lapse of insurance is cause for suspension of your license. (You should know this if you are a licensed contractor.)
If you are signing a contract, and you agree to that clause, then you have legally agreed to carry the insurance. Most boiler plate contracts require proof of insurance either before signing or before work begins, and further require that the insurance be kept in force throughout the term of the contract (no fair getting it one day, and cancelling the policy the next day.) |
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sparkey
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yes you will need it |
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