Becoming a customer

General

• Who are Premierline Direct?
• Where are you based?
• How long will it take to get a quotation?
• How soon can you give me cover?
• What will you need to know?
• Will someone come out to see my premises?
• How soon will I get my policy documents?
• Will my premium go up if I make a claim?
• How long is my quote valid for?
• What will happen once I have completed the on-line quotation form?

Policy Cover

• Can you cover my trade?
• What will I be covered for?
• How much No Claims Discount do you allow?
• If my van is off the road after an accident, can I have a courtesy vehicle?
• Will my tools be insured in my van?
• Do you cover trailers?
• Do you provide car and home insurance as well?

Payments

• How do I pay for my policy?

Advice

• Can you give me any guidance regarding intruder alarms?
• Can you give me any guidance regarding locks and other security protections?
• Can Premierline Direct give me any help if I have any employment or legal problems?

General

Who are Premierline Direct?

Having already insured over 30,000 businesses, and growing at a rapid rate, Premierline Direct has established itself as one of Britain's leading direct business insurance provider.

Employing experts who understand perfectly the cover your business needs, we can arrange most cover in a single call therefore making insuring your business and commercial van quicker, easier and cheaper.

Policies are underwritten by Allianz who are part of the Allianz group, one of the world's largest financial service providers, with over 60 million clients in over 70 countries, with global reach and local expertise; a reputation for customer service has always been a trademark to Allianz. Allianz brings together the financial strength and global reach of Allianz with the local expertise and reputation for customer service that has always been a trademark of Allianz.

Where are you based?

Our single, centralized operation is located in Lancaster and we provide insurance services to mainland Britain

How long will it take to get a quotation?

If you call us for a quotation, we can usually give you a price in about 10-15 minutes. Just call 0800 083 2060. Alternatively, you can use our online quotation facility - simply fill in all your risk details and we will call you back at a time to suit you with your quotation.

How soon can you give me cover?

We can provide immediate cover, while you're on the phone.

What will you need to know?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance team will be able to guide you through the quotation.

How soon will I get my policy documents?

Your policy documents will be sent out as soon as you have taken out your cover and you will normally receive them within 2 working days.

Will my premium go up if I make a claim?

Not necessarily as each case is treated on its own merits.

For Commercial Van insurance we offer protection to your No Claims Discount (NCD). This means that if you have to make a claim, your premium will not be affected.

How long is my quote valid for?

Premierline Direct quotes are valid for 60 days, with the exception of quotes for landlords and the motor trade, which are valid for 30 days.

What will happen once I have completed the on-line quotation form?

Once you have completed the on-line quotation form, your details will be sent through to one of our insurance team who will call you to give you a price. It may be necessary to ask you some additional questions at this stage to ensure you have the right cover - this may also help us to give you a more competitive quotation.

Policy Cover

Can you cover my trade?

At Premierline Direct we cover a wide range of businesses. It is not possible to list all the businesses we cover. To confirm that we can cover your business call us on 0800 083 2060.

What will I be covered for?

All our policies cover the relevant business sectors for key requirements - you can find more information about the cover we provide by referring to the relevant product category on the main navigation bar.

Also from as little as £75 pa (plus IPT) you can also subscribe to Premierline Directs's Commercial Legal Protection Service - a special service designed to give expert advice on areas such as law, taxation, employment disputes, property protection and injuries. Premium will vary dependant on business requirements

How much No Claims Discount (NCD) do you allow?

Up to 6 years NCD can be earned on Commercial Vans and No Claims Discount protection is also available.

If my van is off the road after an accident, can I have a courtesy vehicle?

Yes - providing you use one of the approved repairers, you will receive a courtesy vehicle - subject to availability and terms & conditions.

Will my tools be insured in my van?

Tools are usually covered under a property policy e.g. contractors' tools or goods in transit - and not Commercial Van insurance.

Premierline Direct policies (like most other policies) do not give cover for tools left loaded overnight, unless the vehicle is garaged.

Do you cover trailers?

Yes - but to have the same cover as your vehicle, trailers must be specified.

Do you provide car and home insurance as well?

We work closely with Masterquote to provide a full range of personal home and motor insurance products. Call 0870 241 5963 for a free quotation.

Payments

How do I pay for my policy?

Premierline Direct offers a range of payment options:
- Payment plan over 3 or 10 months*
- Credit or debit cards**
- Cheque

*Subject to status
**Except Solo, Electron or American Express

Guidance

Can you give me any guidance regarding intruder alarms?

We recommend the use of a contractor who is a member of the National Advisory Council on Security Systems (NACOSS). In some cases, a NACOSS alarm will be a requirement.

Can you give me any guidance regarding locks and other security protections?

Premierline Direct has minimum standards of security, which are explained with each quotation given.

Can Premierline Direct give me any help if I have any employment or legal problems?

All Premierline Direct policies give access to free legal helpline - 0845 330 1180.

If you opt to take out the legal expenses insurance as well, then this will cover you and your business in connection with a range of legal matters including employment and contractual disputes.

Also, from as little as £75 pa (plus IPT) you can subscribe to Premierline Direct's Commercial Legal Protection Service - a special service designed to give you expert advice on areas such as law, taxation, employment disputes property protection and injuries - subject to availability and terms & conditions. Premium will vary dependant on business requirements.