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IHeartLashes

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Joined
Jul 16, 2011
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United Kingdom
Hello,

I'm looking to purchase student insurance but cannot seem to find a company that will accept me.

I'm in the process of setting up a debt relief order (with the CAB - it's where my accounts are frozen for a year and then all debt is written off) as I'm struggling to pay them since being made redundant and separating from my husband.

As this is classed as insolvency proceedings I can't seem to find a company that will insure me.

Can I carry out treatments without insurance? I'm not sure what to do.

Please help! :cry:
 
Hello,

I'm looking to purchase student insurance but cannot seem to find a company that will accept me.

I'm in the process of setting up a debt relief order (with the CAB - it's where my accounts are frozen for a year and then all debt is written off) as I'm struggling to pay them since being made redundant and separating from my husband.

As this is classed as insolvency proceedings I can't seem to find a company that will insure me.

Can I carry out treatments without insurance? I'm not sure what to do.

Please help! :cry:

No you can't do treatments without it- what is somebody sued you?!
How long till the insolvency thing is cleared?
 
As far as I was aware you can do treatments with our insurance but you are then liable for any costs if something goes wrong! Which could be costly :/

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Out*

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As far as I was aware you can do treatments with our insurance but you are then liable for any costs if something goes wrong! Which could be costly :/

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Ah I see so it's not actually a crime not to have insurance?
 
I'm a hairdresser and have been told that so assume that it's the same for beauty... But yeah you don't have to be insured but then you run the risk of getting personally sued! I know its a legal requirement to have employers liability insurance if you have people working for you but as for public liability you don't! Which I personally think is ridiculous everyone should be insured! But I think if you get a client to sign a disclaimer stating that you are not insured to carry out any treatments then you would have a leg to stand on it court :) if all that makes sense! X

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Brilliant, thank you.

I haven't actually gone ahead with the debt relief order yet (was hoping to sign it off next week) so I suppose technically I could apply for it ok now but don't see the point if it will make the insurance invalid once I do go ahead?

I really want to be insured and do things properly but at the same time, money worries are making everything so much harder :cry:
 
Brilliant, thank you.

I haven't actually gone ahead with the debt relief order yet (was hoping to sign it off next week) so I suppose technically I could apply for it ok now but don't see the point if it will make the insurance invalid once I do go ahead?

I really want to be insured and do things properly but at the same time, money worries are making everything so much harder :cry:

its so confusing isn't it?! perhaps don't sign the order yet give it some thought and keep shopping around? find out if it will defo then invalidate your cover or not, some changes don't have to be declared untill the renewal is up like in car insurance if you get points then you don't have to tell them till you renew
 
No, it isn't necessary to have insurance in place, however, not to have it would be irresponsible and dangerous. If a client is signing a consent to receieve treatment without the providers' insurance don't you think they would be wary?
 
I don't understand people not being insured as it's fairly cheap (OP apart as you obviously want to get insured but having difficulty.) but I know lots of uninsured beauty therapist and few mobile hairdresses too. In all my years in salons and as a mobile therapist I have never been asked by a client whether I'm insured. It's not illegal to be uninsured but I wish it was.
 
Hello,

I'm looking to purchase student insurance but cannot seem to find a company that will accept me.

I'm in the process of setting up a debt relief order (with the CAB - it's where my accounts are frozen for a year and then all debt is written off) as I'm struggling to pay them since being made redundant and separating from my husband.

As this is classed as insolvency proceedings I can't seem to find a company that will insure me.

Can I carry out treatments without insurance? I'm not sure what to do.

Please help! :cry:

I don't understand, my insurance company didn't ask for any credit report or financial records so how can they turn you down? I'm assuming you are not trying to arrange a direct debit to pay for your insurance, it's a one off payment so why/how would it matter to the insurance company as long as the payment doesn't bounce???

I'm confused
 
I've never heard of any company just writing money/debt off after a year. Do you mean an individual voluntary arrangement (IVA) or bankruptcy? Whatever method, there will be massive implications even in the longterm. Insurances, mortgages, credit. This status on your credit file will be with you forever. Most financial forms will ask if you have been involved in any of the above and if they don't when the credit checks are completed it will be shown. . . If you say no to these questions and then they find out you will not have insurance cover. .so paying for it is purely a waste of money.

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Thanks for your replies. I think I'll make another appt with the CAB and ask them what the best course of action is.

Trinity - what insurance company are you with?

Virtues2011 - It's call a debt relief order. You have to set it up with the CAB and pay a £90 fee. Your accounts are then frozen for a year and are then written off (based on there being no changes to your financial situation within that year).
 
Virtues2011 - It's call a debt relief order. You have to set it up with the CAB and pay a £90 fee. Your accounts are then frozen for a year and are then written off (based on there being no changes to your financial situation within that year).[/QUOTE]

Thanks I've just looked into it as I've never heard of it. Apologies, please don't take this personally but looking at the insolvency service website you have to owe less than 15k. Own a car to the value of 1k no other assets over £300 and disposable income no more that £50pw. Is that possible.


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Brilliant, thank you.

I haven't actually gone ahead with the debt relief order yet (was hoping to sign it off next week) so I suppose technically I could apply for it ok now but don't see the point if it will make the insurance invalid once I do go ahead?

I really want to be insured and do things properly but at the same time, money worries are making everything so much harder :cry:

Hi,

I am actually going through insolvency at the moment which started it in February after my father was diagnosed with cancer and passed away. When I Completed the course the trainers did not mentioned anything about insurance for bankruptcy or insolvency.

I have spoken with 2 insurance companies and both declined me due to insolvency. It seems unfair as I have been working 25 years or more and not claimed anything on any insurances I have paid to date. When speaking with the insurance company they mentioned you need to let them know if anything does happen and when it does they can cancel your insurance. I have a few people lined up for the treatment but can't do anything because I am not insured. They also won't say if I will be accepted once the 1 year freeze is over? I'm still researching and would like to hear if there is any way around this.
 


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