We have collected the most frequently asked questions together and answered them here. Simply select a question to be shown the answer instantly.
- Who are Pet Professionals At Work?
- Who can apply for this product?
- I do a trade that is not listed?
- When does the cover start?
- I have a query regarding the quotation I have received on-line?
- What is classed as an employee?
- What is Employers Liability?
- What is an excess?
- How can I pay for this policy?
- What is Insurance Premium Tax?
- How will I receive My Details documents ?
- What if I want to cancel / amend My Details cover ?
- How do I make a claim?
- What do I do if someone has a complaint against my business?
- How do I make a complaint?
Answer to the selected question...
Pet Professionals at Work (PPAW) is a trading style of HIA International Ltd who are an independent insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA) to transact general insurance business. Our dedicated staff have a wealth of experience and knowledge to handle your enquiries.
The PPAW insurance product is designed both for individuals and businesses providing a professional service to customers pets and animals. Our on-line policy is available for certain professions that are listed on the home page.
Don’t worry click on the contact us page and either e-mail us or give us a call.
Either immediately at the time of obtaining an on-line quotation or alternatively from the date you wish the policy to commence. Retrospective cover is not available. The policy period is for 12 months or until the policy is cancelled.
Not a problem, just click on the contact us page and either e-mail us or give us a call.
A. As per the policy wording an employee as defined as Any person working for you in connection with your business who is:
- employed by you under a contract of service or apprenticeship;
- hired to or borrowed by you;
- self-employed and working on a labour only basis under your control or supervision;
- engaged by labour only sub contractors;
- a labour master or a person supplied by him;
- engaged under a work experience or training scheme;
- a voluntary helper.
If you employee any individual, (see definition of Employee in FAQ above) Employers Liability is a compulsory legal requirement and you must select either Employers Liability cover or Temporary Employers Liability cover (dependent on your requirements) on the quote page.
The excess is the amount you have to pay towards each agreed claim. The excess for each section of cover section of your policy will be clearly shown on your policy schedule.
You can either pay in full by credit / debit card or by direct debit, subject to 10% deposit of the premium with the remaining balance paid over 9 monthly instalments subject to interest and other charges.
Insurance Premium Tax is an additional tax on general insurance premiums. While you pay VAT on regular goods, Insurance Premium Tax is paid on insurance. Any premium charged will be subject to 12% Insurance Premium Tax.
A. Your policy documents will be emailed to you immediately after you have completed your online purchase. If you do not receive your policy documents then please contact email@example.com or call us on 0845 8626626.
. If you need to cancel or amend your policy, call 0845 8626626 to speak to one of the team. In the event that you change your mind and no longer require the cover, you have 14 days to cancel the policy and, providing that no claims have been made, receive a full refund. After that period you can cancel your policy by giving 30 days notice.
Claiming couldn't be easier. Please visit our dedicated 'Claims' page for more information.
If a client has a problem with your work which is likely to lead to a claim against your business for compensation, even if you disagree with the complaint being made, please let us know as soon as possible. For further details, please refer to the 'Claims' page.
PPAW and Hiscox aim to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. If you have any concerns about your policy or you are dissatisfied about the handling of a claim and wish to complain you should, in the first instance, contact Pet Professionals at Work or Hiscox in writing at:
Pet Professionals at Work
14b St Cuthberts Street
Tel: 0845 8626626
Hiscox Customer Relations
Tel: 01206 773705
Where you are not satisfied with the final response, you also have the right to refer your complaint to the Financial Ombudsman Service. For more information regarding the scope of the Financial Ombudsman Service, please refer to www.financial-ombudsman.org.uk.