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  • Sounds like your policy is way more specific than mine. Mine it’s pretty much, ok you whack bits of metal together so here’s some cover incase they come apart!

    I think there’s a bit of public liability in my policy but because I don’t have a premises people come into really it’s not much, it’s all product liability really.

    I ended up paying the £300 premium, I rang another broker who was like “yeah we won’t be able to beat that”. I also asked my broker if reducing my expected turnover figures (which were way over my actual turnover) would lower the price but even the inflated figures were at the bottom end of the bottom rung on the ladder so it wasn’t going to change anything.

  • Sounds like you've got a really good deal.
    My broker only found one insurer that was interested and it was seen as 'manufacturing' with professional indemnity for design, some sports-product risk and some public liability all thrown together.
    Part of the problem noted by the insurer was that there isn't an official certificate or training route that is recognised. Although it seemed to reassure them enough that I'd done the fillet brazing course at the bicycle academy (and the other industry experience I suppose).

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