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Who are Your Insurance Group?
Your Insurance Group (YIG) is a trading style of Towergate Underwriting Group Limited, Europe's largest independently owned insurance intermediary.
YIG specialise in providing business and personal insurance to UK small to medium sized businesses. The trades we cater for include over 200 trades professions as well as shops, offices, pubs, hotels, musicians, tree surgeons, property owners and restaurants. Cover is also available for commercial vehicles. YIG policies are underwritten by a panel of leading UK insurers.
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How can I contact you?
To find several ways of contacting us please check our "Contact Us" form
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What are your office hours?
Our UK call centre opening hours are:
08:30 - 18:00 Monday - Thursday
08:30 - 17:00 Friday
09:00 - 13:00 Saturday
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Are you regulated by the Financial Services Authority?
Yes. Your Insurance Group is a trading style of Towergate Underwriting Group Limited who is entered in the FSA's register under number 313250.
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Is your call centre based in the UK?
The Your Insurance Group call centre is based in Guildford, Surrey in the UK.
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Do you insure start-up businesses or do I have to be trading for a number of years?
Our range of insurance packages enable us to deliver the right solution for both start ups as well as established businesses.
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Does my business have to be VAT registered to be covered by Your Insurance Group
No. We cater for independent businesses irrespective of their VAT status.
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What is liability insurance?
Liability insurance is an essential part of your business insurance cover and we provide public and product liability insurance as well as employers' liability insurance.
Public Liability insurance - protects you against claims of negligence resulting in injury to third parties or damage to property that is not owned by you. Your Insurance Group policies typically offer public liability (PL) cover in three levels of indemnity: £1 million, £2 million and £5 million for most trades professions. We also include this cover within our policies for shops, offices, pubs, restaurants and hotels.
Products Liability insurance - protects you against claims resulting from a product sold by you causing injury to third parties or damage to property that is not owned by you. Your Insurance Group policies offer the same level of product liability cover as we do for public liability cover.
Employers' Liability insurance - protects you against claims of negligence brought by an employee. Failure to have appropriate cover can result in fines up to £2,500 per day (source: Businesslink.gov.uk). Your insurance Group policies carry the industry standard £10 million cover (limited to £5 million if the cause of loss is Terrorism).
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How do I know if I need Employers' Liability insurance?
You will need Employers' Liability insurance if you have any employees. This includes temporary workers, labour only sub-contractors, labour masters and any person whose business activities are directed by you or when the person uses your tools.
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If I use contractors will they need their own insurance cover?
Labour only sub contractors or labour masters must be treated as though they are your employees and must be covered by your policy. Bona Fide sub contractors will need to have their own insurance cover for their property, public and employers' liability. You should ask to see evidence of this if you use Bona Fide sub contractors.
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How much public liability cover should I have with my policy?
We recommend that our clients purchase as much public liability cover they can afford. Personal injury awards continue to spiral. Lower levels of liability cover may prove inadequate if more than one person is seriously injured.
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Can I increase the level of liability during the policy cover period?
Yes. We will charge an additional premium for the balance of the policy period.
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Do your business insurance policies include terrorism cover?
We can extend the cover to include cover against Terrorism if required. UK Insurers exclude Terrorism from the policy cover then buy it back from a specialist Terrorism reinsurance market on your behalf only if required.
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Do you offer retroactive cover on your policies?
No.
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Why do you need to know my annual turnover when providing me with a quote?
We need to know your turnover to assess the size of your business. This influences the premium and our choice of insurer and the cover we recommend.
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Are younger drivers covered on your van insurance?
It is a condition of the motor insurers on our panel that all drivers under the age of 25 must be named on the Schedule of Insurance irrespective as to whether Named driver or any driver cover is requested. Cover restrictions, including a higher Excess, usually apply for young or inexperienced drivers. These terms vary according to insurer and will be explained at the time of providing the quote.
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Do you van insurance policies include overseas driving?
Yes. Most of our panel of insurers include automatic cover for limited periods of travel in Europe.
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Do your commercial vehicle policies come with breakdown cover?
Yes. Some of our policies automatically include this. We can always add this as stand alone cover if required.
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I have a motoring conviction, can you still insure me to drive a commercial vehicle?
Yes, in most instances. We will assess your overall driving record together with the cover you require and use our relationship with the insurance market to obtain the right policy for you.
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I need another copy of my insurance certificate, is there a charge for this?
We charge £10 for a duplicate certificate.
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My business insurance isn't due immediately, can I lodge my renewal details with you and receive a quote when appropriate?
Certainly. If you also let us have your mobile phone number we can send you a helpful reminder by SMS text.
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My business has changed locations, who should I contact about this?
If you business has changed locations, please contact Your insurance Group quoting your policy reference which is shown on your most recent Schedule of Insurance. You can call us free on 0800 015 7702 or email us on 
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I work from home, do I still need an office insurance policy?
Yes. You will need to cover you business equipment if this is not covered by you home insurance. You will also need to cover your liabilities resulting from your business activities (this is excluded from all home insurance policies).
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How long is a quote valid for from Your Insurance Group?
Your Insurance Group commercial quotes are valid for 60-days from the date of the quote. Personal quotes are valid for 30-days. If you wish to proceed with a quote after these periods, we will need to provide you with a new quote.
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Do you offer a no claims discount for your business insurance policies?
Yes. This is incorporated into the premium we quote. One of our schemes also provides a refund of part of your premium for every year your claims cost is less than 25% of your premium.
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Do you provide standard home insurance cover?
Yes. We have a panel of approved insurers to select from.
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Do you provide standard motor insurance cover?
Yes. We have a panel of approved insurers to select from. One of our schemes has a Guaranteed No Claims Bonus - meaning you will never lose a maximum no claims bonus no matter how many claims you make.
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Can you provide me with travel insurance?
Towergate own a specialist Travel Insurance Agency that we will refer you to.
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What is a policy excess?
This is the amount that is not insured by your policy. You pay the excess.
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How do I register a claim?
Call the claims reporting line that is shown in your policy documentation.
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What information will I need when making an insurance claim?
Simply tell the Claims service: Who you are, your policy number, what has happened, when, estimated loss amount and what steps you have taken so far. You will be given advice about the next steps to be taken.
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If I make a claim, will you need to send someone to assess the damage?
This will depend on what has happened. Our Insurers always look to provide a pragmatic solution. We aim to delight you when you need to claim, after all that is why you pay for insurance.
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Who can I contact if I disagree with the settlement of a claim?
The complaint procedure is set out in all of our Insurance Policies.
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Will there be a lot of forms to complete before my business is covered?
Never. Your Insurance Group have always understood the need to minimise paperwork for our customers who have enough administration running their own businesses. Our specialist staff will complete all the necessary forms for you during a telephone conversion with you. The only form you will need to complete is a short quote request form on our website so we are able to direct your request to the most relevant team to contact you.
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If I find a lower quote with another insurer will you match it or better it?
Your Insurance Group are able to negotiate competitive rates with a panel of UK insurance underwriters so please contact us if you already have a quote with another business insurance provider and see if we can save you money on your commercial insurance policy.
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Will I be covered instantly?
If you are able to provide us with all the necessary information and provide payment for your policy you will be instantly covered and full documentation will be despatched immediately. You will not be covered if you have only obtained a quote from us.
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How long does it take to receive policy documentation?
Your Insurance Group endeavour to despatch full policy documentation the same day you purchase your policy from us by post (within UK business hours). You can also request to have your policy documentation sent to you by email in PDF format. To read PDF documents you will need to download Acrobat Reader from the Adobe website.
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Can I spread payments throughout the year?
Yes. We have an instalment service that is provided by Premium Credit on our behalf.
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I have a previous claim, can you still cover me?
Yes, normally we can find an insurance market for most clients. We will assess all of your details including the type of claim, how much, when it happened, how long you have been trading and what steps you have been able to take to prevent the loss from occurring again.
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Why should I insure with a broker?
In a word - Value. We will assess your details and select an insurance policy with an insurer that we believe will satisfy your demands and needs. We take care of the whole process for you. As Towergate is the largest Independently owned Broker in Europe, we have real influence in the Insurance market. This means we aim to deliver a better quality package of service, cover and price.
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What is IPT?
Insurance Premium Tax is charged by HM Revenue and Customs. IPT is currently 5% for most general insurance policies, increasing to 17.5% for Personal Travel Insurance.
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Why can't I buy and pay for my policy online?
Because of the complexities and the unique nature of small business insurance we have taken the decision not to completely automate the purchasing process, instead communicating directly with our customers from our UK based call centre.
We feel that you significantly benefit from being able to talk to us about your policy, allowing us to explain endorsements and excesses and ensuring you are sufficiently covered for your business needs.
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Do you have any job vacancies at Your Insurance Group?
Your Insurance Group are always keen to hear from motivated individuals looking for a challenging career in the UK insurance industry. Current vacancies can be found on our employment page.
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What is an excess on my insurance policy?
This is shown on your Schedule of Insurance. Please call our Client Relations Team if you need help.
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Do all of your policies include legal expenses?
This is optional cover that we strongly recommend.
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Will I be covered if I have to work outside the UK?
This depends on the type of insurance policy you have. Most of our policies automatically include this cover. Please read your policy geographical limits or call us to confirm.
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Do you insure musicians and entertainers?
Yes, we are able to insure a wide variety of musicians, entertainers and performers, including equipment, vehicles and liability cover. For further information about our musicians and entertainers insurance policies visit our information page.
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Will I be refunded if I have to cancel my policy during the year?
This depends on the policy you have. Certain policies do not have refund of premium clause in them because the premium is calculated to be earnt by the insurer as soon as cover starts.
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Are there any discounts if I take out more than one policy with you?
Some of our policies include a discount.
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Who are Towergate?
Towergate Underwriting Group Limited are Europe's largest independently owned insurance intermediary, writing over £1.25bn of gross written premium annually. Towergate wholly acquired Your Insurance Group in 2005. For further information about Towergate visit www.towergatepartnership.co.uk.
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Who underwrites Your Insurance Group policies?
We use some of the best quality insurers in the business. These include, Norwich Union the largest insurer in the UK, Axa Insurance the second largest insurer in the world, Allianz -Cornhill, Groupama, Equity Red Star at Lloyds, DAS and a range of Towergate owned specialist underwriting agencies.
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Who should I contact if I have a complaint about my experience with you?
Please write our Managing Director. The Complaints procedure is set out in your Policy book.
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Do your shop policies automatically include seasonal increases for stock cover?
Yes and one of our schemes allows you to choose when this applies and the level of increase up to 50%.
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I own a website and would like to become a Your Insurance Group affiliate, do you have any information about affiliate opportunities?
The Your Insurance Group online affiliate scheme is an excellent way of earning money from your website traffic by driving traffic to the Your Insurance Group website. Affiliates earn commission when a visitor purchases an insurance policy. For further information contact us
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I would like to provide a link from my website to Your Insurance Group, do you have a logo or text I should use?
Feel free to link to the Your Insurance Group website. You could also earn money by registering for our online affiliate scheme - contact us
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What browser should I use to view your website?
Our website can be best used with Internet Explorer and Firefox web browsers. However, other modern browsers are also supported as we are following the web accessibility standards.
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When can you tell me what my renewal policy will cost?
Normally a month before the anniversary date we will contact you to review your circumstances and needs. We can then let you know the terms for the policy we recommend.