Complaints
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If you wish to make a complaint then please write to the Operations Manager, Kingsbridge Professional Solutions, The Old Smithy, Stockton’s Courtyard, Overbury GL20 7NT. We operate a comprehensive complaints procedure and you can be assured of our commitment to resolve any issues quickly and fairly. |
Payments
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We have 2 payment options available.
Policyholders can choose to pay in full through a single direct debit. Alternatively finance is available over 12 months on a Direct Debit basis by entering into a credit agreement managed by our partners Premium Credit Limited, 60 East Street, Epsom, Surrey, KT17 1HB. |
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VAT is not paid on this insurance and is therefore not recoverable. |
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Insurance Premium Tax, also known as IPT is a
Government levy charged on most classes of insurance. The current level of IPT is 5% and the premiums quoted are inclusive of this
amount. |
Security
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Yes. All data entered into this site (with the
exception of your bank details) are held by Kingsbridge in a secure database and shall not be shared with any third parties except
for the participating Insurers. All webpages duirng the purchasing process are encrypted with a 128 bit encryption key provided by
Thwate. To view the certificate to check its authenticity, please double click the padlock in your browser and click 'View
Certificate'. This can be found at the bottom of the browser window in Internet Explorer 5/6 or next to the address bar in
Internet Explorer 7 & Firefox.
All bank details and payments taken online are dealt with securely by Premium Credit. For
more information on Premium Credit, visit their webpage from our Links page |
Eligibility
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No sorry – all companies must be UK registered. |
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The KPSol policy is a general insurance arrangement designed to cover a wide range of occupations. It is not possible to match the requirements of each and every professional body. If you are maintaining some form of practicing certificate or have to meet minimum standards of insurance cover as part of your membership of a professional body then it might not be suitable. You will need to make your own enquiries with your professional body to establish any minimum criteria, this will assist you in your decision. If you need more help in this then please contact us once you have established your requirements. |
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We do not provide online cover for any offshore work – all enquiries in this regard should be addressed personally to the new business team on 0845 643 0061.
We do not provide online cover for any Surveyors with a current RICS membership or those involved in commercial or residential surveys or valuations – all enquiries in this regard should be addressed personally to the new business team on 0845 643 0062. RICS members are required to have a RICS compliant policy wording for professional indemnity.
Activities which are known to involve asbestos in any way are excluded.
Design, advice or specification in relation to any aircraft or parts thereof is excluded. (more information is available in our news section)
Medical malpractice or other claims arising out of any form of medical treatment are excluded.
Independent Financial Advisers are not accepted under this scheme.
Persons whose activities take place in the United States or Canada. |
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Yes but you will need to contact us first to provide full information. The legislation for Employers Liability must be taken into account and we may have to issue an additional certificate as a legal requirement. |
General
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Protection against claims for legal liability, in respect of accidental bodily injury to third parties, or damage to third party property arising in the course of your business activities. |
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Protection against claims from Employees for legal liability in respect of injury or disease which arise in the course of their work and for which you are responsible. Employers Liability Insurance is a compulsory insurance for all employers with limited exceptions in law. (See – What insurance does my Limited Liability Company need?). This scheme is designed for one man bands operating as a sole trader or through a limited company set up. |
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Protection against claims made against you as a result of allegations of professional negligence. Cover includes legal defence costs (incurred with insurers prior agreement) and any damages awarded. Claims for negligence can be made against any company providing professional services.
Cover for Professional Indemnity is provided for claims brought within the policy period only, please see our claims page or contact us for more information. |
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No this scheme includes occupational personal accident cover which only applies if you are injured at work. |
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Professional Indemnity cover operates on what is referred to as a "claims made basis". Essentially you need to have a policy in force at the time the claim is made against you. As soon as your policy lapses your cover under this section will cease. Any claims made against you for past work will no longer be indemnified.
This is particularly important if you are still contracting but find your self without a contract - we advise that Professional Indemnity is a long term commitment and should be maintained at all times.
If you close your company or retire you can buy "run off" cover to provide a long term extension to the existing policy - this will allow indemnity for between 3 and 6 years after you retire or close down the company ensuring security for both you and your client base. This cover must be purchased before your policy lapses.
For further advice on this please contact us on 0845 643 0061. |
Policy Setup
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Click on the ‘Buy now’ link and complete each screen in full. You
will be asked for some basic details and bank information and will be able to buy cover immediately. |
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You will be emailed a policy schedule and policy
wording once you have purchased online. The schedule confirms the levels of cover and can be used by you to confirm your cover
arrangements to agencies and clients. |
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Yes, please contact us with your company name and
month of inception and we will email a copy to you. |
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No sorry, the policy has been arranged to suit a wide
range of freelance professionals and the cover levels are set for ease of administration. |
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Unless you choose to forward date inception (up to 30 days)
the cover will begin immediately. |
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Whilst you have the right to cancel we have negotiated your premium based on full annual charges and no returns are available. If you fail to meet your Direct Debit commitments then the balance of premium becomes due immediately. You are agreeing to pay in full by purchasing the policy. |
© 2010 - Kingsbridge Professional Solutions