Rating Guides – Great Britain

Grazing Land, Moorland,
Woodland & Pasture Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£81£109£137£165
Up to 5 Acres£120£148£193£221
Up to 10 Acres£137£193£249£277
Up to 15 Acres£159£210£283£333
Up to 20 Acres£182£232£333£389
Up to 25 Acres£204£255£350£434
Up to 30 Acres£227£288£372£467
Up to 35 Acres£249£322£417£501
Up to 40 Acres£277£361£456£540
Up to 45 Acres£305£445£501£585
Up to 75 Acres£445£607£686£781
Up to 100 Acres£585£770£865£977
Over 100 AcresReferReferReferRefer

Rough Country,
Private Road

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£109£159£193£227
Up to 5 Acres£137£187£249£305
Up to 10 Acres£182£232£299£355
Up to 15 Acres£227£271£350£406
Up to 20 Acres£266£305£395£445
Up to 25 Acres£299£339£434£484
Up to 30 Acres£327£372£467£523
Up to 35 Acres£344£406£501£568
Up to 40 Acres£361£439£540£596
Up to 45 Acres£372£473£585£635
Up to 75 Acres£563£725£859£943
Up to 100 Acres£753£971£1,117£1,251
Over 100 AcresReferReferReferRefer

Development
Site

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£137£193£305£361
Up to 5 Acres£176£249£372£428
Up to 10 Acres£232£305£439£507
Up to 15 Acres£277£361£507£574
Up to 20 Acres£322£417£574£635
Up to 25 Acres£361£473£635£691
Up to 30 Acres£400£529£691£747
Up to 35 Acres£439£585£747£803
Up to 40 Acres£473£641£803£865
Up to 45 Acres£501£697£865£921
Over 45 AcresReferReferReferRefer

Self Build & Allotments

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£165£210£333£417
Up to 5 Acres£215£266£389£484
Up to 10 Acres£271£322£467£551
Up to 15 Acres£316£378£546£619
Up to 20 Acres£361£434£630£686
Up to 25 Acres£400£479£691£753
Up to 30 Acres£439£523£747£820
Up to 35 Acres£473£563£803£887
Up to 40 Acres£501£591£859£955
Up to 45 Acres£529£624£921£1,011
Over 45 AcresReferReferReferRefer

Fishing Lakes

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£417£529£585Refer
Up to 5 Acres£501£596£753Refer
Up to 10 Acres£697£831£1,033Refer
Up to 15 Acres£753£943£1,145Refer
Up to 20 Acres£899£1,083£1,347Refer
Over 20 AcresReferReferReferRefer

*20% loading if boats are hired out and condition to be applied.

Car Parks

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 50 spaces£221£260£322Refer
Up to 100 spaces£361£428£529Refer
Up to 150 spaces£473£563£697Refer
Up to 200 spaces£585£697£865Refer
Over 200 spacesReferReferReferRefer

Arable Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£193£222£271£354
Up to 5 Acres£200£227£278£361
Up to 10 Acres£204£233£283£365
Up to 15 Acres£211£238£289£372
Up to 20 Acres£215£245£294£377
Up to 25 Acres£222£249£301£383
Up to 30 Acres£227£256£305£388
Up to 35 Acres£233£260£312£395
Up to 40 Acres£238£267£316£399
Up to 45 Acres£245£271£323£406
Up to 75 Acres£278£312£379£502
Up to 100 Acres£305£339£406£529

The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & £25 Fee.

Grazing Land, Moorland,
Woodland & Pasture Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£84£113£143£172
Up to 5 Acres£125£155£202£231
Up to 10 Acres£139£175£223£231
Up to 15 Acres£139£175£223£251
Up to 20 Acres£139£175£223£293
Up to 25 Acres£163£199£264£325
Up to 30 Acres£163£199£264£350
Up to 35 Acres£163£199£264£375
Up to 40 Acres£210£273£342£404
Up to 45 Acres£231£334£374£437
Up to 75 Acres£334£453£511£581
Up to 100 Acres£437£573£642£725
Over 100 AcresReferReferReferRefer

Rough
Country

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£113£127£175£221
Up to 5 Acres£127£145£199£221
Up to 10 Acres£139£175£223£256
Up to 15 Acres£139£175£223£292
Up to 20 Acres£139£175£223£319
Up to 25 Acres£163£199£264£346
Up to 30 Acres£163£199£264£374
Up to 35 Acres£163£199£264£405
Up to 40 Acres£273£330£404£425
Up to 45 Acres£280£354£437£452
Up to 75 Acres£420£539£639£668
Up to 100 Acres£560£721£828£883
Over 100 AcresReferReferReferRefer

Development
Site

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£143£202£320£378
Up to 5 Acres£184£260£390£448
Up to 10 Acres£242£320£461£531
Up to 15 Acres£289£378£531£602
Up to 20 Acres£336£437£602£666
Up to 25 Acres£378£495£666£725
Up to 30 Acres£419£555£725£783
Up to 35 Acres£461£613£783£843
Up to 40 Acres£495£672£843£908
Up to 45 Acres£525£731£908£966
Over 45 AcresReferReferReferRefer

Self Build & Allotments

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£172£219£349£437
Up to 5 Acres£225£278£407£508
Up to 10 Acres£284£336£490£578
Up to 15 Acres£331£396£572£649
Up to 20 Acres£378£454£660£719
Up to 25 Acres£419£501£725£790
Up to 30 Acres£461£548£783£861
Up to 35 Acres£495£589£843£931
Up to 40 Acres£525£619£901£1,002
Up to 45 Acres£555£654£966£1,060
Over 45 AcresReferReferReferRefer

Fishing Lakes

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£437£555£613Refer
Up to 5 Acres£525£625£790Refer
Up to 10 Acres£731£872£1,083Refer
Up to 15 Acres£790£989£1,201Refer
Up to 20 Acres£942£1,136£1,413Refer
Over 20 AcresReferReferReferRefer

*20% loading if boats are hired out and condition to be applied.

Private Road

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£113 £166 £202 £237
Up to 5 Acres£143 £195 £260 £320
Up to 10 Acres£190 £242 £313 £372
Up to 15 Acres£237 £284 £367 £425
Up to 20 Acres£278 £320 £414 £466
Up to 25 Acres£313 £354 £454 £508
Up to 30 Acres£343 £390 £490 £548
Up to 35 Acres£360 £425 £525 £595
Up to 40 Acres£378 £461 £566 £625
Up to 45 Acres£390 £495 £613 £666
Up to 75 Acres£589 £760 £901 £989
Up to 100 Acres£790 £1,018 £1,172 £1,313
Over 100 AcresReferReferReferRefer

Car Parks

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 50 spaces£231£273£336Refer
Up to 100 spaces£378£448£555Refer
Up to 150 spaces£495£589£731Refer
Up to 200 spaces£613£731£908Refer
Over 200 spacesReferReferReferRefer

Arable Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£202£232£284£371
Up to 5 Acres£209£237£290£378
Up to 10 Acres£213£243£296£382
Up to 15 Acres£220£249£303£390
Up to 20 Acres£225£256£307£395
Up to 25 Acres£232£260£314£401
Up to 30 Acres£237£267£320£406
Up to 35 Acres£243£273£326£414
Up to 40 Acres£249£279£331£418
Up to 45 Acres£256£284£337£425
Up to 75 Acres£290£326£397£526
Up to 100 Acres£320£354£425£555

The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & £25 Fee.

£1M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£54£72£90
Up to £17,500£72£90£108
Up to £25,000£90£108£126
Up to £50,000£108£126£144
Up to £100,000£155£194£234
Up to £150,000£207£259£353
Up to £200,000£232£299£517
Up to £250,000£312£522£716
Up to £300,000£335£664£736
Up to £350,000£526£893£979
Up to £400,000£799£1,030£1,145
Up to £450,000£896£1,087£1,147
Up to £500,000£990£1,278£1,582

£2M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£72£96£120
Up to £17,500£96£120£144
Up to £25,000£120£144£168
Up to £50,000£144£168£192
Up to £100,000£206£259£312
Up to £150,000£276£346£470
Up to £200,000£310£398£689
Up to £250,000£416£696£955
Up to £300,000£446£886£982
Up to £350,000£701£1,190£1,306
Up to £400,000£1,066£1,373£1,526
Up to £450,000£1,195£1,450£1,529
Up to £500,000£1,320£1,704£2,110

£5M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£90£120£150
Up to £17,500£120£150£180
Up to £25,000£150£180£210
Up to £50,000£180£210£240
Up to £100,000£258£324£390
Up to £150,000£345£432£588
Up to £200,000£387£498£861
Up to £250,000£520£870£1,194
Up to £300,000£558£1,107£1,227
Up to £350,000£876£1,488£1,632
Up to £400,000£1,332£1,716£1,908
Up to £450,000£1,494£1,812£1,911
Up to £500,000£1,650£2,130£2,637

£10M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£113£150£188
Up to £17,500£150£188£225
Up to £25,000£188£225£263
Up to £50,000£225£263£300
Up to £100,000£323£405£488
Up to £150,000£431£540£735
Up to £200,000£484£623£1,076
Up to £250,000£650£1,088£1,493
Up to £300,000£698£1,384£1,534
Up to £350,000£1,095£1,860£2,040
Up to £400,000£1,665£2,145£2,385
Up to £450,000£1,868£2,265£2,389
Up to £500,000£2,063£2,663£3,296

EL (Optional)

TurnoverGroup 1Group 2Group 3
Up to £10,000£60£80£100
Up to £17,500£80£100£120
Up to £25,000£100£120£140
Up to £50,000£120£140£160
Up to £100,000£172£216£260
Up to £150,000£230£288£392
Up to £200,000£258£332£574
Up to £250,000£346£580£796
Up to £300,000£372£738£818
Up to £350,000£584£992£1,088
Up to £400,000£888£1,144£1,272
Up to £450,000£996£1,208£1,274
Up to £500,000£1,100£1,420£1,758

Group Details

Group 1Group 2Group 3
Carpet & Upholstery CleanersConservatory CleanersBuilding Cleaners
Domestic Household CleanersGutter & Fascia CleanersDrain Cleaners
Office and/or Shop CleanersMotor Vehicle CleanersHotel, Pubs &/or School Cleaners
Oven CleanersPatio & Driveway CleanersFactory & Warehouse Cleaners
Wheelie Bin CleanersSwimming Pool Cleaners
Window Cleaners

NCD Table

0 Year (New venture only) =10%
1 year =0%
2 year =0%
3 year =-5%
4 year =-10%
5 year =-15%

Extensions

Financial Loss (£30k)£15
Lock and/or Key Replacement (£30k)£15
Misuse of Telephones CoverFree
Treatment CoverFree
Damage to Items Worked Upon CoverFree
£1,000 Tools Cover*Free
£1,000 Stock Cover*Free
*Higher Limits Available For An Additional Premium

How to calculate the premium. 1) Determine which group your trade falls into. 2) Determine your PL price by selecting from the various tables above. 3) Add on EL if required. 4) Add on Extension if required. 5) Apply the No Claims Discount table. 6) Finally, add the IPT (12%) and the £20 Fee (Fee is £30 w.e.f 01/06/23)

Single Event Insurance

Public Liability
Mandatory Cover

Max Visitors£1m£2m£5m£10m
100£72£93£118£152
250£89£118£142£184
500£110£152£173£237
1,000£152£195£210£290
2,500£236£282£330£370
5,000£330£373£421£462
10,000£466£513£558£644
15,000£605£650£742£909
20,000£742£834£925£1,060
30,000£908£996£1,085£1,261

Single Event Insurance is up to 4 days

Employers Liability
Optional Cover

Limit £10,000,000Premium
Up to 20 Volunteers/Helpers£168
Up to 35 Volunteers/Helpers£252
Up to 50 Volunteers/Helpers£392

Additional Staff at £12 per employee

Equipment Insurance
Optional Cover

LimitTotal Premium
£2,500£32
£5,000£53
£7,500£106
£10,000£135
£15,000£185
£20,000£233

Multi Event Insurance

Public Liability
Mandatory Cover

Max Visitors£1m£2m£5m£10m
250£153£202£250£350
500£250£350£447£544
1,000£350£447£544£642
2,000£405£473£585£669
5,000£473£585£669£753

Up to 15 events per year.

Max Visitors£1m£2m£5m£10m
250£300£350£396£495
500£396£495£593£642
1,000£495£593£691£740
2,000£585£675£742£832
5,000£641£731£821£877

Up to 45 events per year.

Employers Liability
Optional Cover

Limit £10,000,000Premium
Up to 20 Volunteers/Helpers£218

Additional Staff at £12 per employee

Equipment SI
(based on 15 events) – Optional Cover

LimitPremium
£2,500£100
£5,000£160
£7,500£225
£10,000£300
£15,000£425
£20,000£550

Equipment SI
(based on 45 events) – Optional Cover

LimitPremium
£2,500£111
£5,000£177
£7,500£248
£10,000£331
£15,000£468
£20,000£606

The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & Fee.

Standard Cover

CoverPolicy Sum Insured
Employer’s Liability up to£10,000,000
Public & Products Liability up to£10,000,000
FREE money & stock cover up to£500

Optional Extras

Business Equipment (such as hog roast, potato ovens and generators) †
Deterioration of Stock †
Business Interruption †
† Premiums are available online

Premiums

TurnoverPremium (£5m PL)Premium (£10m PL)
£10,000£115£115
£25,000£121£121
£50,000£142£142
£75,000£183£183
£100,000£214£214
£150,000£236£236
£200,000£278£278
£250,000£336£392
£300,000£419£475
£400,000£526£582
£500,000£697£753
£625,000£854£910
£750,000£1,022£1,078
£1,000,000£1,346£1,402

No extra charge applied for £10m PL limit on turnovers up to £250,000.

The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & Fee.

Standard Cover

CoverPolicy Sum Insured
Employer’s Liability (No limit on number of employees)£10,000,000
Public Liability£2,000,000
Products Liability£2,000,000

£5,000,000 & £10,000,000 Public Liability options available.
Products cover excluded for certain trades.

Maximum T/O £100,000

Premiums Tables

Liability Premium

TurnoverExcluding ELIncluding EL
£25,000£55.00£85.00
£50,000£60.00£85.00
£75,000£90.00£126.00
£100,000£120.00£168.00

Stock/Money Premium

OptionLoss of MoneyLoss of Stock
Up to £500£0.00£0.00
Up to £1000£25.00£20.00
Up to £2500£45.00£40.00
Up to £5000£65.00£55.00

Business Equipment

OptionExcluding theft from unatended motor vehicleIncluding theft from unatended motor vehicle
£1,000£20.00£35.00
£2,500£50.00£87.50
£5,000£100.00£175.00
£10,000£200.00£350.00

How to calculate the premium. Using the rating card, calculate the liability premium and then add the material damage premium (if required). Finally, add the IPT (12%) and the £20 Fee (Fee is £25 w.e.f 01/06/23).

Goods in Transit

Number of vehicles£5,000£10,000£15,000£20,000£25,000£30,000£40,000£50,000£75,000
1£45.00£50.00£55.00£60.00£65.00£70.00£80.00£90.00£115.00
2£78.75£87.50£96.25£105.00£113.75£122.50£140.00£157.50£201.25
3£110.25£122.50£134.75£147.00£159.25£171.50£196.00£220.50£281.75
4£139.50£155.00£170.50£186.00£201.50£217.00£248.00£279.00£356.50
5£166.50£185.00£203.50£222.00£240.50£259.00£296.00£333.00£425.50
6£191.25£212.50£233.75£255.00£276.25£297.50£340.00£382.50£488.75
7£213.75£237.50£261.25£285.00£308.75£332.50£380.00£427.50£546.25
8£236.25£262.50£288.75£315.00£341.25£367.50£420.00£472.50£603.75
9£258.75£287.50£316.25£345.00£373.75£402.50£460.00£517.50£661.25
10£281.25£312.50£343.75£375.00£406.25£437.50£500.00£562.50£718.75

Public Liability

Number of vehicles£1,000,000£2,000,000£5,000,000
1£50.00£60.00£80.00
2£95.00£114.00£152.00
3£138.75£166.50£222.00
4£181.25£217.50£290.00
5£222.50£267.00£356.00
6£262.50£315.00£420.00
7£301.25£361.50£482.00
8£338.75£406.50£542.00
9£375.00£450.00£600.00
10£410.00£492.00£656.00

Employers Liability

Number of vehicles£10,000,000
1£65.00
2£126.75
3£186.88
4£245.38
5£302.25
6£357.50
7£411.13
8£463.13
9£515.13
10£567.13