FAQs

What kind of insurance do you do?

We specialise in business and charity insurance. That means we can help with cover for your business or not-for-profit. Just not your house or car.

Do I have to pay VAT on my business insurance?

No, insurance isn't VAT-able. But you do pay insurance premium tax (IPT) instead, at a rate set by the government. It's included in all our quotes.

Do you cover non-UK businesses and charities?

We can only cover people who live in the UK and UK-registered businesses and not-for-profits.

Can I buy a short-term insurance or a one-off event policy?

The insurance companies we work with only offer annual policies.

However, if you have an existing policy, we can extend cover on a short-term basis. For example, if you're a photographer and a venue needs you to increase your public liability insurance cover for a one-off event.

Why should I use a broker?

Because we aren't tied to a single insurer, so we can find you a policy that fits your needs. We're also very competitive on price.

But most importantly, if you need to make a claim, we’re on your side. We fight your corner and hold your hand through the whole process.

If you want a more 'in-depth' answer, you can read more here.

How much professional indemnity cover do I need?

You can never really have too much professional indemnity insurance. That’s because it’s almost impossible to predict just how badly things might go wrong.

And professional indemnity insurance protects your business or not-for-profit. No one else's. And every one of them is different.

This guide should be able to point you in the right direction…

Do I need employers' liability insurance?

If you have anyone working for you, even temporarily, employers' liability insurance is a legal requirement in the UK.

There are exceptions to the rule. You can find more info here.

Do you cover wear and tear?

Sadly not. If your equipment's getting past it, it's best to replace it before it breaks.

What's a 'claims made' policy?

It's a policy that needs to be in place both when you do a job or piece of work and when a claim relating to that work is made.

So, if you complete a job and cancel your policy the next day, but your client makes a claim against you a month later…you won't be covered.

You can read more about claims made policies here.

What's 'excess'?

The excess is the amount you pay towards a claim.

When you buy your insurance, you choose or agree to the excess amount. Then, if you claim, you pay that much and your policy pays the rest.

I want you to remove my data from your databases. How can I arrange that?

You can call us on 0345 561 0320 or email us at contactus@policybee.co.uk. You’ll need to let us know your business name when you get in touch.

There are certain bits we’ll need to keep because of regulations. You can talk to us if you need more info or read our privacy notice here.

How can I unsubscribe from marketing emails?

You'll find an 'unsubscribe' link at the bottom of our marketing emails. You can click that, and we'll part (marketing) ways.

Or, send us an email at contactus@policybee.co.uk. You'll just need to let us know your name and which email address you want to unsubscribe.

How can I contact you?

You can get in touch in a few ways. Our insurance-savvy experts are in the office Monday to Friday, 9 to 5.

You can call us on 0345 561 0320 or email us at contactus@policybee.co.uk. Or, if you want to ping us a message via social media, write us a letter or chat with us online, you can find the details here.

How do I refer a friend or colleague to you?

You'll find a unique link in your online account. Pass that on, and we'll do the rest. You both get £20 if they buy a policy.

If whoever you're referring phones us instead, just ask them to mention your business name.

You can find out more info here. And thanks for thinking of us.

How do I access my additional benefits?

When you take out a policy with us, you’ll get an email with all the info on how to access your additional benefits.

Or you can sign in to your online account, call us on 0345 222 5360 or email us at contactus@policybee.co.uk.

How do I make a complaint?

We want to put things right as quickly as possible, so please contact us if you have a complaint. You can call us on 0345 561 0320 or email us at complaints@policybee.co.uk.

There's more information here if you need it.

Does the professional indemnity insurance I buy online cover me worldwide?

When you go through the quote process, we’ll ask you where your clients are based round the world. Your cover will reflect what you need.

I can't find my profession on your website. Can I still get a quote?

If you can't find what you do on our website, the best option is to give us a call on 0345 561 0320. That way, we can chat about what you do and see if we can help.

How do I get a quote through your website?

You can click this link or use the ‘get your quote’ button on the homepage.

You'll need to spend a couple of minutes telling us about yourself and what you do. Once that's done, you can buy your policy there and then. Easy.

How can I pay for my insurance?

There are a few different options for paying for your insurance, depending on the insurer.

You can pay monthly, annually or in instalments via Direct Debit, debit or credit card, or our third-party finance provider (Premium Credit Ltd). And if you pay annually, you can also pay via bank transfer or cheque.

I’m having trouble buying online. What should I do?

Your best bet is to give the team a call on 0345 561 0320. If you're stuck, we'll be able to point you in the right direction or go through a quote with you over the phone instead.

How can I re-set my password if I’ve forgotten it?

You can get a secure link to re-set your password by going to the account log-in page and clicking on the 'no password' button.

If you prefer, you can call us on 0345 222 5360 or email us at contactus@policybee.co.uk.

How do I get copies of my insurance documents?

The easiest option is to sign in to your online account. Or, if you prefer, you can call 0345 222 5360 or send us an email at contactus@policybee.co.uk. We'll send them over.

How do I update my contact or other personal details?

You can sign in to your online account to update details on your policy. Or call us on 0345 222 5360 or send us an email at contactus@policybee.co.uk.

I've changed my bank details. What do I do?

You can change your bank details via your online account. But if you prefer, you can ring us on 0345 222 5360 or ping us an email at contactus@policybee.co.uk.

How do I cancel my insurance?

Send an email to contactus@policybee.co.uk or call us on 0345 222 5360. We’ll sort that out for you.

How do I renew my policy?

We'll send you an email about four weeks before your insurance is due to renew. In it, we'll tell you how to renew your policy and what you need to do (if anything).

You won’t be able to renew your policy before we send you this email.

If I make a claim, will it affect me at renewal?

It's possible, yes.

It depends on what the claim was for, whether your insurer paid out and if they did, how much. The consequences of a claim could mean your insurer withdraws cover, charges you more or keeps everything as it was.

We won't know how it’ll affect your renewal until it's due.

Can I change insurer if I have an outstanding claim?

You can, but it might be more complicated. It's best to get in touch with us and talk it through.

What are your cancellation terms?

Each insurer we work with has different cancellation terms. Generally, though, you'll need to give us 30 days' notice to cancel your insurance.

I think I have a claim. What do I do?

The easiest way to let us know you have a claim is to sign in to your online account. Or, if you need help straight away, you can call us on 0345 216 0023 or send us an email at contactus@policybee.co.uk

Claims are our priority, and you'll have the undivided attention of our specialist claims handlers.

You can find more information about how to make a claim here.