Rating Guides – Northern Ireland

Grazing Land, Moorland,
Woodland & Pasture Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£98£134£171£207
Up to 5 Acres£149£185£243£280
Up to 10 Acres£171£243£316£353
Up to 15 Acres£200£265£360£425
Up to 20 Acres£229£294£425£498
Up to 25 Acres£258£323£447£556
Up to 30 Acres£287£367£476£600
Up to 35 Acres£316£411£535£644
Up to 40 Acres£353£462£586£695
Up to 45 Acres£389£571£644£753
Up to 75 Acres£571£782£884£1,008
Up to 100 Acres£753£993£1,117£977
Over 100 AcresReferReferReferRefer

Rough Country,
Private Road

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£134£200£243£287
Up to 5 Acres£171£236£316£389
Up to 10 Acres£229£294£382£455
Up to 15 Acres£287£345£447£520
Up to 20 Acres£338£389£505£571
Up to 25 Acres£382£433£556£622
Up to 30 Acres£418£476£600£673
Up to 35 Acres£440£520£644£731
Up to 40 Acres£462£564£695£768
Up to 45 Acres£476£607£753£819
Up to 75 Acres£724£935£1,110£1,219
Up to 100 Acres£971£1,255£1,445£1,251
Over 100 AcresReferReferReferRefer

Development
Site

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£171£243£389£462
Up to 5 Acres£222£316£476£549
Up to 10 Acres£294£389£564£651
Up to 15 Acres£353£462£651£738
Up to 20 Acres£411£535£738£819
Up to 25 Acres£462£607£819£891
Up to 30 Acres£513£680£891£964
Up to 35 Acres£564£753£964£1,037
Up to 40 Acres£607£826£1,037£1,117
Up to 45 Acres£644£899£1,117£1,190
Over 45 AcresReferReferReferRefer

Self Build & Allotments

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£207£265£425£535
Up to 5 Acres£273£338£498£622
Up to 10 Acres£345£411£600£709
Up to 15 Acres£404£484£702£797
Up to 20 Acres£462£556£811£884
Up to 25 Acres£513£615£891£971
Up to 30 Acres£564£673£964£1,059
Up to 35 Acres£607£724£1,037£1,146
Up to 40 Acres£644£760£1,110£1,233
Up to 45 Acres£680£804£1,190£1,306
Over 45 AcresReferReferReferRefer

Fishing Lakes

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£535£680£753Refer
Up to 5 Acres£644£768£971Refer
Up to 10 Acres£899£1,073£1,335Refer
Up to 15 Acres£971£1,219£1,481Refer
Up to 20 Acres£1,161£1,401£1,743Refer
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£280£331£411Refer
Up to 100 spaces£462£549£680Refer
Up to 150 spaces£607£724£899Refer
Up to 200 spaces£753£899£1,117Refer
Over 200 spacesReferReferReferRefer

Arable Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£243£281£345£453
Up to 5 Acres£252£287£354£462
Up to 10 Acres£258£296£360£468
Up to 15 Acres£267£302£369£476
Up to 20 Acres£273£310£374£482
Up to 25 Acres£281£316£383£491
Up to 30 Acres£287£325£389£497
Up to 35 Acres£296£331£398£505
Up to 40 Acres£302£339£404£511
Up to 45 Acres£310£345£412£520
Up to 75 Acres£354£398£485£645
Up to 100 Acres£389£433£520£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£102£140£178£216
Up to 5 Acres£155£194£255£293
Up to 10 Acres£174£220£283£293
Up to 15 Acres£174£220£283£319
Up to 20 Acres£174£220£283£373
Up to 25 Acres£204£251£335£416
Up to 30 Acres£204£251£335£448
Up to 35 Acres£204£251£335£480
Up to 40 Acres£265£347£437£517
Up to 45 Acres£293£427£479£560
Up to 75 Acres£427£581£657£747
Up to 100 Acres£561£737£827£725
Over 100 AcresReferReferReferRefer

Rough
Country

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£140£157£220£280
Up to 5 Acres£157£181£251£280
Up to 10 Acres£174£220£283£326
Up to 15 Acres£174£220£283£372
Up to 20 Acres£174£220£283£407
Up to 25 Acres£204£251£335£443
Up to 30 Acres£204£251£335£479
Up to 35 Acres£204£251£335£519
Up to 40 Acres£347£421£517£545
Up to 45 Acres£357£453£561£580
Up to 75 Acres£539£693£823£861
Up to 100 Acres£721£929£1,069£883
Over 100 AcresReferReferReferRefer

Development
Site

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£178£255£408£484
Up to 5 Acres£232£331£500£575
Up to 10 Acres£307£408£591£683
Up to 15 Acres£369£484£683£775
Up to 20 Acres£430£561£775£858
Up to 25 Acres£484£637£858£935
Up to 30 Acres£538£714£935£1,011
Up to 35 Acres£591£789£1,011£1,088
Up to 40 Acres£637£867£1,088£1,172
Up to 45 Acres£674£942£1,172£1,248
Over 45 AcresReferReferReferRefer

Self Build & Allotments

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£216£277£446£561
Up to 5 Acres£286£354£521£653
Up to 10 Acres£361£430£629£744
Up to 15 Acres£422£507£736£836
Up to 20 Acres£484£583£851£928
Up to 25 Acres£538£644£935£1,019
Up to 30 Acres£591£705£1,011£1,111
Up to 35 Acres£637£759£1,088£1,203
Up to 40 Acres£674£797£1,164£1,295
Up to 45 Acres£714£843£1,248£1,370
Over 45 AcresReferReferReferRefer

Fishing Lakes

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£561£714£789Refer
Up to 5 Acres£674£805£1,019Refer
Up to 10 Acres£942£1,126£1,401Refer
Up to 15 Acres£1,019£1,279£1,554Refer
Up to 20 Acres£1,217£1,469£1,829Refer
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£140 £208 £255 £300
Up to 5 Acres£178 £246 £331 £408
Up to 10 Acres£239 £307 £399 £476
Up to 15 Acres£300 £361 £469 £545
Up to 20 Acres£354 £408 £530 £599
Up to 25 Acres£399 £453 £583 £653
Up to 30 Acres£439 £500 £629 £705
Up to 35 Acres£460 £545 £674 £766
Up to 40 Acres£484 £591 £728 £805
Up to 45 Acres£500 £637 £789 £858
Up to 75 Acres£759 £980 £1,164 £1,279
Up to 100 Acres£1,019 £1,316 £1,516 £1,699
Over 100 AcresReferReferReferRefer

Car Parks

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 50 spaces£293£347£430Refer
Up to 100 spaces£484£575£714Refer
Up to 150 spaces£637£759£942Refer
Up to 200 spaces£789£942£1,172Refer
Over 200 spacesReferReferReferRefer

Arable Land

Land Size£1M LOI£2M LOI£5M LOI£10M LOI
Up to 2 Acres£255£294£361£475
Up to 5 Acres£264£300£370£484
Up to 10 Acres£270£309£377£489
Up to 15 Acres£278£316£386£500
Up to 20 Acres£286£325£392£505
Up to 25 Acres£294£331£401£514
Up to 30 Acres£300£339£408£520
Up to 35 Acres£309£347£417£530
Up to 40 Acres£316£356£422£536
Up to 45 Acres£325£361£431£545
Up to 75 Acres£370£417£508£676
Up to 100 Acres£408£453£545£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£59£79£99
Up to £17,500£79£99£119
Up to £25,000£99£119£139
Up to £50,000£119£139£158
Up to £100,000£171£213£257
Up to £150,000£228£285£388
Up to £200,000£255£329£569
Up to £250,000£343£574£788
Up to £300,000£369£730£810
Up to £350,000£579£982£1,077
Up to £400,000£879£1,133£1,260
Up to £450,000£986£1,196£1,262
Up to £500,000£1,089£1,406£1,740

£2M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£79£106£132
Up to £17,500£106£132£158
Up to £25,000£132£158£185
Up to £50,000£158£185£211
Up to £100,000£227£285£343
Up to £150,000£304£381£517
Up to £200,000£341£438£758
Up to £250,000£458£766£1,051
Up to £300,000£491£975£1,080
Up to £350,000£771£1,309£1,437
Up to £400,000£1,173£1,510£1,679
Up to £450,000£1,315£1,595£1,682
Up to £500,000£1,452£1,874£2,321

£5M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£99£132£165
Up to £17,500£132£165£198
Up to £25,000£165£198£231
Up to £50,000£198£231£264
Up to £100,000£284£356£429
Up to £150,000£380£475£647
Up to £200,000£426£548£947
Up to £250,000£572£957£1,313
Up to £300,000£614£1,218£1,350
Up to £350,000£964£1,637£1,795
Up to £400,000£1,465£1,888£2,099
Up to £450,000£1,643£1,993£2,102
Up to £500,000£1,815£2,343£2,901

£10M PL

TurnoverGroup 1Group 2Group 3
Up to £10,000£124£165£206
Up to £17,500£165£206£248
Up to £25,000£206£248£289
Up to £50,000£248£289£330
Up to £100,000£355£446£536
Up to £150,000£474£594£809
Up to £200,000£532£685£1,184
Up to £250,000£715£1,196£1,642
Up to £300,000£767£1,522£1,687
Up to £350,000£1,205£2,046£2,244
Up to £400,000£1,832£2,360£2,624
Up to £450,000£2,054£2,492£2,628
Up to £500,000£2,269£2,929£3,626

EL (Optional)

TurnoverGroup 1Group 2Group 3
Up to £10,000£66£88£110
Up to £17,500£88£110£132
Up to £25,000£110£132£154
Up to £50,000£132£154£176
Up to £100,000£189£238£286
Up to £150,000£253£317£431
Up to £200,000£284£365£631
Up to £250,000£381£638£876
Up to £300,000£409£812£900
Up to £350,000£642£1,091£1,197
Up to £400,000£977£1,258£1,399
Up to £450,000£1,096£1,329£1,401
Up to £500,000£1,210£1,562£1,934

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 £5,000,000Premium
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£66.00£92.00
£75,000£99.00£138.60
£100,000£132.00£184.80

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).

Good 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

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 do not include IPT & Fee.