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Trade Direct Insurance is one of the UK’s top specialist insurance providers, focused on offering coverage to construction workers and tradesmen. The UK insurance market is highly competitive, so you might be wondering what exactly they have to offer you—this review will aim to help, deep-diving into what their customers think about them and who/what they cover.
In This Review
- Trade Direct Insurance Business Insurance: Overall Review
- How Much Does Trade Direct Insurance Cost?
- Customer Reviews and Ratings
- How to Claim
Trade Direct Insurance Overall Review
Trade Direct Insurance operate in the highly competitive tradesman and construction insurance market. Size-wise, they’re considerably smaller than the likes of AXA or Direct Line—which has benefits and disadvantages that’ll be discussed further later on. As of writing, they hold an exceptional 4.8 star rating from customers over the past 12 months on Feefo, with customers often complimenting their excellent customer service and competitive pricing.
5 reasons to buy insurance from Trade Direct
Buying insurance can be a daunting task at first. You’ve got a huge number of options available to you, from comparison sites to going direct, so it’s important to make sure you’re well informed before making a decision. Here are some benefits of going with Trade Direct:
- Specialist independent broker: Smaller, more specialised insurers know their market from back-to-front, and benefit from less ‘red tape’ when a customer needs to make a claim.
- Tradesman-focused benefits: All insurers offer benefits, but Trade Direct’s offers are targeted specifically at tradesmen. Offers include 10% off at B&Q via TradePoint membership, £10 off when you spend £100 at Zoro Tools, £5 off when you spend £150 Building Supplies Online, and more.
- Fantastic reviews: It can be difficult to believe everything you read online, but the overwhelming majority of reviews for Trade Direct’s product and service are positive, indicating a very small proportion of customers have a negative experience.
- UK-based: Trade Direct only operate in the UK, so you’ll be speaking to staff who know the market very well. On top of that, their call centres and customer services are all based in the UK, so you’ll never have to worry about time differences when needing support.
- Flexible offering: If you’re a tradesman, you’ll be able to take out as much or as little cover as you require, avoiding unnecessary cost.
Types of cover available
Trade Direct Insurance services most of the UK’s most popular trades, so whether you’re a plumber, carpenter or welder you should be able to find what you’re looking for. As with many other insurers, you’re able to build a policy to your specification, meaning you won’t ever need to pay for any insurances you don’t want or need.
- Public liability insurance will cover you in the event a third party (customer, member of the public, etc.) incurs property damage or is injured as a result of your work.
- Employers' liability insurance will protect you and your business in the event that an employee believes their work for you caused them to become unwell or injured.
- Professional indemnity insurance insures you against claims of ‘professional negligence’, when a customer is unhappy with your advice or service.
- Tools and equipment cover protects the tools of your trade from loss, theft or accidental damage.
- Personal accident insurance can help cover your income in the event you’re unable to work due to injury or illness.
To keep things simple for their customers, they have three main combo policies for trades people:
|Public Liability insurance up to £5 million||yes||yes||yes|
|Employers' Liability insurance £10 million||yes||yes||yes|
|Professional Indemnity cover £100,000||yes||yes||yes|
|Financial Loss cover £100,000||n/a||yes||yes|
|Accidental Death cover||n/a||yes||yes|
|First £1,000 of Tools cover (can be increased to £15,000)||n/a||yes||yes|
|Personal Accident cover up to £600 a week per person||n/a||n/a||yes|
Plus, the following extras are available:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
- First £1,000 of Tools cover (can be increased up to £15,000)
Trade Direct public liability insurance
Without a doubt, public liability insurance is the staple of Trade Direct’s product offering. It forms the foundation for all Trade Direct policies, representing both the strength of Trade Direct’s public liability policies (and pricing) and the importance of public liability to those working as a tradesperson.
Policies start from just £75 annually for £1M of cover, with customer reviews often praising the prices Trade Direct offer, especially when compare to larger providers. Our own independent research into the cost of tradesman insurance seemed to corroborate this, with quotes for £2M of public liability around £5-15 cheaper, depending on your profession.
What kind of businesses do Trade Direct cover?
As a specialist insurance provider, it’s fair to say Trade Direct are more focused on supporting smaller businesses, with a focus on sole traders, contractors, partnerships and small limited companies. Their front page even advertises that they specialise in covering businesses with “up to 15 employees” or “turnover up to £3 million”, so if your business exceeds either of these you may be better looking at a larger provider.
How Much Does Trade Direct Insurance Cost?
A basic public liability insurance policy for £2M worth of cover starts from just under £90 annually through Trade Direct according to our research. A more well-rounded policy, including £2M of public liability, £100,000 of professional indemnity and £1,000 worth of tools coverage comes in around £115 for the year for our sample tests.
Keep in mind that insurance costs can be highly variable, and any quote you receive (either through Trade Direct or other sources) might be different due to a number of factors, such as your location, your experience in the industry and how much cover you need. If you want to get the best price possible, shop around a little and see what’s on offer. Here is a sample of some of their insurance coverages:
|Insurance||Limits available, up to||Starting prices|
|Professional indemnity||£100,000||included in Classic/Plus (with other coverages) packages, starting at £25/year|
|Employers’ liability||£10,000,000||from £104/year for 1st employee when added to a £2M PL policy|
|Public liability||£5,000,000||From £75/year (£1M limit)|
|Tools||£15,000||included in Classic/Plus (with other coverages) packages, starting at £25/year|
|Personal Accident||£600/week||included in Plus (with over coverages, £600 limit) package, starting at £36/year|
Trade Direct Insurance customer service reviews and ratings
|Trade Direct Insurance Ratings & Customer Reviews|
|Trustpilot||2.9 out of 5 (based on only 3 reviews)|
|Feefo||4.8 out of 5 (123 reviews)|
|Tool Talk||5 out of 5 (26 reviews)|
We’ve sifted through each review site to understand how Trade Direct’s customers rate their pricing, customer service and overall product offering when compared to others in the market. Here’s what they had to say:
Trade Direct Insurance Feefo
It’s fair to say Feefo is the review site of choice for Trade Direct’s customers, with well over 1,500 reviews built up over the past few years. They boast an exceptional 4.8-star rating out of 5 from reviews left in the past year, with comments focused on market-leading customer service, competitive pricing and an easy application process.
There aren’t many negative comments to choose from, but common themes include delays in sending out policy documentation and missed callback requests. Everyone’s experience is different, so we’d suggest making sure you provide Trade Direct with a couple of ways they can get in touch with you if you’re expecting them to contact you to discuss further.
Here are a few of the most common themes we found when reading comments regarding Trade Direct.
Easy application process: “Very easy to navigate the website and sort my public liability insurance no frills no extras exactly what I need”
Great customer service: “The person was extremely helpful on what I actually required and made the purchase very quickly and cheaper than my current quotation for insurance”
Competitive pricing: “Really good price, was recommended by other landscapers beat any quote I was getting by £150!”
Valuing existing customers: “I have been with Trade Direct for years, they are very good and helpful.”
Simplifying complicated insurance: “Made it very easy for me. I called to get a quote and the agent made it so easy for me and before I knew it I was all done and paid”
Negative comments were focused heavily on missed callback requests:
“Next day, Tuesday, again wrote requesting a ‘call back’ for Wednesday afternoon as I work Wednesday mornings. No ‘call back’.”
“To-date, 8 days later, despite asking someone to call me, on more than one occasion, I'm still waiting for that call.”
Trade Direct Insurance Trustpilot
It probably isn’t fair to judge Trade Direct from their Trustpilot reviews, since there are only 3! Negative reviews are focused on being contacted by Trade Direct (as with Feefo above), and not the actual product or customer service itself, so it’s difficult to judge too harshly.
Like any business, if you share your details with Trade Direct then you can expect them to follow-up—if you’re not comfortable with this, you’re always free to unsubscribe whenever you like.
“Very polite and professional”
“Say they will call you back and never do”
Trade Direct Insurance Tool Talk
Tool Talk reviews, while limited in number, generally echo the thoughts of those found on Feefo. Many comments come from customers who have been with them for a number of years, suggesting people are happy with the service once onboard.
"I have used Trade Direct for years for my insurance and find there bundle if you can call it that that comprises of liability, professional indemnity and tool insurance very competitive, if I can give anyone any advice is when it comes to tool insurance always check the terms as most do not insure your tools in a vehicle over night. This seems to be the case with every insurer I checked."
"Very impressed with trade direct. Very competitive prices and customer service is really good. Very helpful staff to answer all my questions when I started my business 6 years so. Still with them now and wouldn't swap."
“This company is great I had these guys for my liability insurance for a few years.”
“Always seem to be the cheapest, and will constantly let you know when your renewal is due.”
“These guys have saved me loads compared to other quotes I had, us they understand what we need as most don't I've found. Highly recommended.”
How to claim with Trade Direct Insurance
Trade Direct are part of Kelliher Insurance Group, a broker, so don’t insure you themselves. In the event you need to make a claim you’ll need to contact the insurance company directly—Trade Direct’s insurance policies are provided by Zurich. This doesn’t mean that Trade Direct won’t support your claim at all, however, and they do have a hotline to support you if you need help while making a claim, manned 09:00-17:30 Monday-Friday.
|Contact information for Trade Direct Insurance claims|
|General Claims||0800 302 9055 (Zurich)||0800 0318 497 (Trade Direct)|
|Tools||0800 783 0691 (Zurich)||0800 0318 497 (Trade Direct)|
What professions does Trade Direct Insurance Cover?
Simply put, if you’re working as a tradesman or construction worker then Trade Direct will almost certainly have a policy for you. This includes, but isn’t limited to:
- Air conditioning
- Alarm/CCTV installation
- Boiler engineer
- Gas fitting
- Heating engineer
- Kitchen installation
- Window cleaner
Trade Direct keeps all of their special offers in one place, a convenient web page detailing all of the special offers they offer their customers, so check it out if you’re looking to save with one of Trade Direct’s partners.
Keep in mind if you’re looking to save on your insurance, you’ll be best served to contact them directly either over email or by calling them (on 0800 0318 497) to see if they’re running any promotions you can take advantage of.
Trade Direct Insurance have one primary phone number that you’ll use to get to whichever department you need to speak with. It’s 0800 0318 497.
Trade Direct Insurance’s working hours are 09:00 to 17:30, Monday through Friday.
Trade Direct Insurance is part of the Kelliher Insurance Group, which also owns other insurance brands such as SelfBuild Insurance and Kerry London.