Come August I will need to renew my personal accident and public liability insurance. I have used Academy Insurance for about 5 years but they really dropped the ball this year on my instalments meaning I have had to pay 8 month's worth in 2 instalments which has been a drag. I work mainly domestic with occasional commercial, I use a wfp where appropriate, and a Rojak if up a ladder. I have never made a claim, so have NCD I suppose! I guess I want a minimum of £1mill PLI and ..what... for personal accident. Who do you guys use, how much cover do you have and what does it cost? Are you covered if unable to work because of a non-cleaning accident (I tear about on my mountain bike when not working, Leckhampton Hill if any one is Cheltenham local!)? Any info greatly appreciated.