FAQ ( Frequently Asked Questions )
Am I insured to work remotely?
Provided that your clients are safe during and after your session with them then we can provide cover. If working online you will need to have a secure platform and you need to have a back-up procedure in place to contact your client should the internet fail. You need to maintain confidentiality and records in the normal way. Also, the therapy work that you do with your client needs to be within the boundaries of your training.
For any exercise classes you need to ensure that each participant can be viewed by you and that you can give the right level of attention to each person. If you are taking on new clients you do need to do a consultation and obtain consent as you would with any other client. You need to assess their capabilities and modify any exercise, pose or movement accordingly.
How do I apply for insurance?
Please click here to apply online and follow the instructions for instant cover. After payment has been processed, qualified practitioners will be sent an email requesting a signed declaration form and copies of qualification certificates, which must be received within 14 days of the online application. If you do not receive an email requesting a signed declaration form and copies of your qualification certificates within 48 hours of applying for qualified practitioner cover, please contact us by phone/email
Student applicants do not need to return a signed declaration/copies of qualification certificates. After payment has been processed, students will be notified by email when their insurance documents are ready. If you have applied for student cover and have not received correspondence from us within 5 days of your application first check your spam and then contact us by phone/email if you have not received an email from us.
Applications for association members, beauty therapists and practices not listed here:
If the online application is not suitable for you, for example the therapy that you require cover for is not listed, then please contact us as we may still be able to offer cover.
If you are a member of a professional body and you believe that this entitles you to discounted insurance, please contact us on 0345 222 2236.
Please note that though we offer insurance to beauty therapists, this is not available online. Please call our office on 0345 222 2236 if you would like a quote.
Can I apply for insurance over the phone?
Unfortunately we do not have the facilities to arrange insurance over the phone. Please see above for all application options.
How do I access my insurance documents?
Once you have successfully arranged insurance, your insurance documents will be made available online, and you will receive an email notification regarding this. Once they are available, you can access your documents any time by logging in to the online portal here. An option to set up a password is also available in case you have not logged in before or you have forgotten your password. Once logged in, simply click on ‘View my Documents’.
How do I log in to the portal?
Click here to log in to the portal. An option to set up a password is also available in case you have not logged in before or you have forgotten your password.
How do I renew my insurance?
Online renewal option:
Please click here to renew online. Unless you are already logged in, you will have to log in to the portal. An option to set up a password is also available in case you have not logged in before or you have forgotten your password. Once logged in, you will be able to renew and pay online.
Paper renewal option:
If you have received a paper renewal notice and do not want to renew online, please sign and date the form and return it to us by post, or scan and email the form to us, WITHOUT payment details, and we will contact you for payment by phone. You can also print a paper renewal declaration form from the Portal. To do so, log in here, click on ‘View My Documents’, then open and print the document called ‘Renewal Declaration Form’.
Please note that renewal is not available more than 30 days in advance.
Can I renew my insurance over the phone?
Unfortunately we are not able to offer renewal by phone. However, if you have returned your signed and dated renewal notice without payment, or if you have completed the online no claims renewal declaration by logging in to the Portal on our website and clicking on ‘Renew my Insurance’, we can take payment for your renewal by phone.
How do I renew if my policy has expired?
You have a 45 day grace period after your renewal date whereby you can still renew using one of the above methods. If you are outside of this grace period you may be able to resume your cover online, from a new start date. To do so please log in here then click ‘Resume My Insurance’ and follow the instructions. If you are outside of the grace period and you are not able to resume your insurance online via the Portal, please contact us to discuss starting your policy again from a new date.
What if I do not want to renew my insurance?
Your policy will not auto-renew. If you do not wish to renew, you can call/email us to confirm this and to stop us from sending you renewal invites. If you simply take no action your policy will lapse on the expiry date.
I have a student policy but I have now qualified – how do I upgrade my insurance?
The first thing to do is to send us a copy of your qualification certificate, or clear evidence that you have qualified (e.g. a letter from your course provider stating that you have qualified). You can either send a photo copy by post, or email a scanned version of the document to email@example.com. Please include your membership ID number when you send us any such correspondence.
Once we have received evidence of your qualification, we will either upgrade your insurance policy and issue a new insurance certificate via our online portal, or we will contact you with a quote if there is a premium due for the upgrade.
How do I add a new business activity to my policy?
Please send us a copy of the relevant qualification certificate, or clear evidence that you have qualified in the new discipline (e.g. a letter from your course provider stating that you have qualified). You can either send a photo copy by post, or email a scanned version of the document to firstname.lastname@example.org. Please include your membership ID number when you send us any such correspondence.
Once we have received evidence of your qualification, we will issue a new insurance certificate via our online portal (this may take a few days). For the addition of some higher risk disciplines, there may be a premium due for the additional cover. We will contact you with a quote if this is the case.
Am I covered for loss of earning?
The standard policy we provide is a third party liability policy therefore it does not cover loss of earning.
If the Government decides that you cannot work, it might be worth checking Government websites for details of any compensations schemes.
The Supreme Court ruling of 15 January 2021 does not apply to the insurance that you hold through us. If you have a property package with another provider then this may offer business interruption cover.