[danny mckim]

Could someone please explain what is the best sort of accident cover both for an employer and a  self employed windowcleaner. So that they are compensated for not workin after any accident.

[danny mckim]

please advise on this subject

[danny mckim]

Has any1 got this kind of insurance

[Paul Coleman]

Has any1 got this kind of insurance

The accident/sickness insurance that I have is not very good but it can be hard to get something suitable and affordable if you're a window cleaner.  Basically, if I ever need to claim on it, money would probably only be a secondary problem.  It doesn't pay out until off work for 6 months.  This is quite common for a window cleaner's policy as we are regarded as high risk.  Also, they  have implemented certain exclusions due to a medical history that is rather less than perfect.  The company is Canada Life for what it's worth (which may not be much depending on your viewpoint).  I'm told that they are one of the more user-friendly ones to do business with.  I've never made a claim so I guess that I've yet to test that out.

[danny mckim]

this sounds as if its what i need.just for security. how much does it cost mate

[Paul Coleman]

this sounds as if its what i need.just for security. how much does it cost mate

It currently costs me £44.27 a month.  The premium needs to be adjusted each year so that the benefit increases too. I haven't checked for a few years but I imagine that the benefit is probably around £600 a month by now.  If you have your mortgage costs covered elsewhere it may be possible to get by on that at a scrape I suppose.  I imagine that this may be classed as income and reduce or wipe out any possible means tested state benefits but I don't know the rules on that.
Also, bear in mind that I am 48 years old with a chequered medical history.  I believe a younger person would probably pay less - especially with a good medical report.