It is very important that you share with us, the details of any claims (successful or not) that have been made by or against you or your business. If you don't share this information, it could affect the payment of a future claim, maybe result in your policy being made void/and or a fraud investigation.
What do I do if I have multiple trades?
Choose the description which best describes what you do. You can choose up to 3
different trades, but if the options are not available or are not a reasonable description of your
business/trade, please call us on 0800 302 9507 (open Monday - Friday 9am - 5pm).
What is the maximum number of people covered by this policy?
We cover up to a maximum of 9 people working in your business at any one time. This includes any principles, partners, directors, employees (full & part time), those on work experience, apprentices, or anyone else with a contract of service (which can include subcontractors).
What are Bona Fide Subcontractors
Bona fide subcontractors are skilled contractors that are employed for a specific part of a contract and have their own insurance, for example, when a builder extends a house, they may hire an electrician for any electrical work.
What about tools left in my van overnight - are they covered?
If you have chosen this cover, your tools, stock or business equipment are covered against accidental loss, damage or theft anywhere in the UK. Any of the items left in your vehicle overnight will also be covered, providing forcible entry is used, all doors and windows are locked, the keys have not been left in the vehicle and any manufacturers' security device is put into effect. For the full terms and conditions please refer to the summary of cover or policy wording.
What is an Employer Reference Number (ERN)?
Businesses that pay any Employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees' income tax and national insurance contributions. An Employer Reference Number (also known as Employer PAYE Reference) is allocated to businesses registered with HM Revenue & Customs (HMRC). If you pay your employees (including labour only subcontractors, trainees, and apprentices) below the PAYE threshold, you will not have an ERN.
What is the Employers' Liability Tracing Office (ELTO)?
The Employers' Liability Tracing Office (ELTO) is a service set up by the insurance industry and helps people who have suffered injury or disease at work to find the relevant insurance company quickly and easily. By you supplying your ELTO number, we are able to register this policy on your behalf. For more information, please visit www.elto.org.uk
Payment
Do you accept cheques or cash?
We only accept payments by way of direct debit or credit/debit cards
Will it cost me more to pay via Direct Debit?
There is no additional cost for paying via direct debit.
How do I change Direct Debit instructions?
You will need to contact our accounts team on 0345 300 7637 (open Monday - Friday 09:00am > 5:00pm)
Where can I get a receipt for my payment?
you will need to contact our accounts team on 0345 300 7637 (open Monday - Friday 09:00am > 5:00pm)
Claims
How do I make a claim on my policy?
To make a claim under your Tools, Stock & Business Insurance policy, please call us on 0800 302 9507
Monday to Friday 9am - 5pm (excluding bank holidays)
To make a claim under your Public Liability or Employers' Liability cover please call us between 9am
and 5pm Monday - Friday) on 0345 030 7563
To make a claim under your Tools, Stock & Business Equipment cover please call our 24/7 hotline on
0345 0307 074
To make a claim under your Professional Indemnity cover please call us between 9am and 5pm Monday -
Friday on 020 7157 2569.
Do I need to disclose details of previous claims?
It is very important that you share with us, the details of any claims (successful or not) that have been made by or against you or your business. If you don't share this information, it could affect the payment of a future claim, maybe result in your policy being made void/and or a fraud investigation.
Managing My Policy
How do I make a change or cancel my policy?
If you want to make any changes to your Aviva Business Insurance Policy, please call
us on 0800 302 9507 between 9am and 5pm Monday - Friday (excluding bank holidays).
How long will it take to get a quote?
It will take a matter of minutes - there a choice of business products available to purchase directly from Aviva. These are transacted on www.aviva.co.uk/business, for micro businesses of up to 9 employees and you can choose the level of cover you require.
Do I need to renew my policy, or does it auto renew?
If you pay on Direct Debit, your policy will automatically renew - if you pay by card
you will need to manually renew it. You will be sent an email prompting you when your renewal is due.
Documentation
When & how will I receive my policy documents and how will I receive renewal docs?
You will receive an e-mail containing access to all your important policy documents.
This will be sent to you moments after you have confirmed and paid for your insurance cover and will
be stored online - renewal documents will also be available online, please log in to access them.
What if I don't have an email address?
Your policy documents are available online, you will need to use a valid email address to obtain a quote - it needs to be an address that you have access to, as this is where any documents and communication will be sent to you from Aviva.