Frequently Asked Questions

Because we aim to despatch policy documents and insurance certificates the same day a confirmation of cover is issued at inception and policy documents should be with you within 3-5 working days.

How can I pay any additional premium that is due if I make changes to my policy?

If you pay by instalments, this will usually be spread over the remaining payments. Alternatively, you can pay by cheque, credit or debit card*.
*Except Solo, Electron or American Express.

How do I make a claim?

You can contact our 24 hour claims helplines in the policy booklets or please contact us during office hours – 9am –5.30pm
0808 143 4400 - Commercial Policies
0808 143 4400 - All Other Policies

Do I need a claim form?

Yes in most cases a claims form is required.

If I need to make a claim, will someone come out and inspect the damage?

That depends on the nature and complexity of the claim. If we do send someone to see the damage, for a property claim we use the services of our dedicated panel of loss adjusters, ensuring that the claim is dealt with promptly and efficiently.

How do I renew my policy?

We will despatch your renewal documents approximately three weeks before the due date. If you pay by Direct Debit your policy will be renewed automatically unless you tell us otherwise.

How soon can you tell me my renewal premium?

Not normally more than three weeks before your renewal is due.

Will I get a refund if I have to cancel my policy before next renewal?

Yes - this will depend on how long your policy has been in force with us. However, cancellation charges will apply.

Who are InsureYourTrade?

InsureYourTrade are online insurance experts who can provide a quicker, easier and more cost effective way of purchasing insurance.The direct delivery of our products makes us unique to our customers, reducing costs by providing a fully automated underwriting and quotation process.This ensures that you the customer benefits from reduced premiums whilst still enjoying the highest levels of customer service.

Where are you based?

Our single, centralised operation is located in Blackpool, Lancashire and we provide insurance services to mainland Britain

How long will it take to get a quotation?

If you call us for a quotation, we can usually give you a price in about 10-15 minutes. Just call Freephone 0808 143 4400 Alternatively, you can use our online quotation facility to provide you with competitive terms.

How soon can you give me cover?

We can provide immediate cover, either over the telephone or via our online quotation facility cover can be confirmed immediately & direct to your selected e-mail address.

What will you need to know?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance team will be able to guide you through the quotation.

How soon will I get my policy documents?

Your policy documents will be sent out as soon as you have taken out your cover and you will normally receive them within 3-5 working days.

Will my premium go up if I make a claim?

Not necessarily as each case is treated on its own merits.

How long is my quote valid for?

InsureYourTrade quotes are valid for 30 days. This enables us to ensure that are insurance rates a checked monthly to ensure constant competitiveness.

Can you cover my trade?

At InsureYourTrade we cover a wide range of businesses. It is not possible to list all the businesses we cover. To confirm that we can cover your business call us on 0808 143 4400.

What will I be covered for?

All our policies provide standard "core covers" however additional sums insured/cover can be available just request increased limits on the sums insured "tick box" page.

How do I pay for my policy?

InsureYourTrade offers a range of payment options:
- Payment plan over 6 or 10 months*
- Credit or debit cards**
- Cheque

*Subject to status
**Except Solo, Electron or American Express

Can you give me any guidance regarding intruder alarms?

We recommend the use of a contractor who is a member of the National Advisory Council on Security Systems (NACOSS). In some cases, a NACOSS alarm will be a requirement.

Can you give me any guidance regarding locks and other security protections?

InsureYourTrade has minimum standards of security, which are explained within each policy taken up.

Can InsureYourTrade give me any help if I have any employment or legal problems?

Our Legal Expenses policies written in conjunction with Lexelle and UK Underwriting Services on behalf of AXA Insurance UK plc gives access to free legal helplines. Simply telephone QDOS on 01455 850000 and QUOTE LEXELLE.

If you opt to take out the legal expenses insurance as well, then this will cover you and your business in connection with a range of legal matters including employment and contractual disputes.

Also, from as little as £42 per annum (Inc IPT) you can subscribe to InsureYourTrade's Commercial Legal Protection Service - a special service designed to give you expert advice on areas such as health & safety prosecutions, tax enquiries & disputes, employment disputes & awards, criminal proseccutions, jusry service and property protection - subject to availability and terms & conditions. Premium will vary dependant on business requirements.

InsureYourTrade is a trading style of M&J Yates Ltd authorised and regulated by the Financial Services Authority 304571

Frequently Asked Questions

Already a customer

General

Policy Cover

Payments

Claims

Renewal

Becoming a customer