Recent content by ImranR

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    Torch for cold weather

    Hi all. Thank you for everyone's responses. What I've had before are cheap Chinese brands. I have all my equipment in the car and leave it there over night. I could put it inside the house but would prefer to leave it in the car. In terms of temperature, i imagine need it to cope with...
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    Torch for cold weather

    Hi all. For work I've historically used torches with replaceable AA batteries but purchased some rechargeable ones last year. The problem with the rechargeable ones are they don't hold a charge because I keep them stored in my car during the cold nights. Which means they are useless by the...
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    Sending the bailiffs in

    If you paid by credit card, I would go to them instead. In fact I would've went straight there instead of court
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    Photographer Covid and Wedding Insurance

    Would you mind confirming which company the insurer and their agent are? There are some incompetent and questionable firms out there that don't have a clue and will chance anything. Feel free to PM me if you don't want to disclose here. This is not subrogated action. Subrogation is recovering...
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    Can I have two insurance policies?

    Hi John. Can I suggest you take up the services of a good broker (Frank might help) who can help you get cover? I get the impression you are searching online which is why you are splitting the cover. You really need a specialist to look at it who will likely find a decent provider for both...
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    Business interruption insurance with Axa question

    Hi James. A lot of the AXA policies seem to be limited to 3 months. Best to check your wording which will confirm it. You might find it more beneficial to argue the indemnity period or start date of your claim to be when the lock down started as appose to the first date the virus was detected...
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    Should there be total conformity in how BI claims are processed ?

    Hi Mark, just spotted this thread from you but answered some of your query in the other thread. I'll copy and paste it below: - "I haven't scrutinised your policy or accounts but would say you need to apply 98.42% as your Rate of Gross Profit (ROGP) to the loss of turnover in the period of...
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    Business Interruption Insurance Payouts

    Hi Frank... Yes have had issues like this before. In the 'formula', you apply 100% as your gross profit to your income. The only issue it can create is the adequacy of cover if the sum insured is set on the accountant's GP definition. Hi Mark...Sorry, I didn't read the full thread. I haven't...
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    Business Interruption Insurance Payouts

    Hi Mark. Your policy should be written on a revenue/income basis because it is service based. Gross profit wordings are for businesses that have an element of "Cost of Sales". Therefore, your claim should be calculated on an income basis. You need to calculate your loss of income minus any...
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    Business Interruption Insurance Payouts

    I am an independent Chartered Loss Adjuster if anyone wants free advice on individual policies. I've dealt with plenty of these do far :)
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    Business forwarding address for multiple company names

    You might find it cheaper to rent a small office at £200 pcm.
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    Business SIM cards

    EE have the best signal in my opinion but a couple of reason made me choose Vodafone. First they have excellent roaming plans which I wanted. Second, they support conference calling directly from the handset to merge two calls together. EE don't support this. I preferred these two over better...
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    Promotional merchandise

    Thank you for everyone's response. I work as a consultant and want to promote my business and brand so my clients ideally remember and call me as appose to other firms. Therefore, I wanted something unique that clients will use regularly.
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    Promotional merchandise

    Hi all. Does anyone have any suggestions on "original" marketing merchandises that I can send to existing clients? I ideally want to get something that will be talked about and useful as appose to some terrible pens or mousemats that no one uses. Initially I need to do a run of 100 or so...
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    Delivery Using Private Car?

    Yes you can invalidate your insurance. It might be cheaper to hire a van and pay the fuel instead of reclaiming 45ppm. However, based on experience it's not a significant cost to get covered for business mileage.
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