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Minimum premiums

Make sure you're not paying over the odds just because the insurance company is applying its minimum charge.

Here's our guide to what minimum premiums are - and how you may still be able to get a good deal even when a minimum premium does apply.

What is a minimum premium?

Insurers usually have a minimum premium for a year’s insurance. This is mainly to cover their administrative expenses. If you are a very small business, it can pay to shop around for the insurer with the lowest minimum premium.

How much is a minimum premium?

The minimum premiums for certain standard-alone liability covers could be as low as £150.00. But the minimum premium can range up to £1,000.00 for policies that contain several types of insurance. A lot depends on what business you're in, and on the size and nature of the insurance.
in-depth info

More info on types of insurance.

Certain “take-it or leave-it” internet deals may be cheaper because they apply lower minimum premiums - but remember the cover they offer may not be appropriate for your business.
in-depth info

Check out the covers your business needs.

Making the most of minimum premiums

Sometimes you may have found the best deal that's going, but it's still subject to a minimum premium. You can often tell when an insurance company is applying a minimum premium because it will be a round figure like £500.00 or £750.00.

If you think a minimum premium may have been applied:

first find out for sure by asking your broker or insurance company if your premium is a minimum charge
find out if you can get any extra cover for the minimum premium. It's often possible to buy some additional cover without going over the minimum charge.