[jay moley]

Anyone have one?

I still have some ladder work, mostly access to flat roofs, but there's always the possibility of an accident.

Thinking it might be worth getting one.

[KS Cleaning]

Sometimes they’re not worth the paper they’re written on when you’re self employed. Taxable profit will need to be decent to receive the amount of pay out that you sign up for. So in a lot of cases you will be paying for a policy which promises XXXX amount of ££££ should you need to claim, but if your taxable profit doesn’t support this you will be paid a pittance. I bought a van in the same financial year that I had to make a claim, ended up getting pennies.

[windowswashed]

It's only beneficial if you have mortgage payments and they don't pay out for first three months but still need to pay premium each month.