I was talking to my sister who is concerned about her rising travel insurance costs. I said that the main rasion d’etre of an insurance company is to get as much money off you as it can and pay out as little as possible. A pretty disgusting approach but sure that is the case from experience.
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Thanks everyone! Kx
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That is harsh! My insurer doesn’t cover non clerical use either but I had a chat with them at the outset nd they agreed that it was OK provided no customers come to the house. They won’t cover me for stock or tools though but that’s fine. I use far more hazardous equipment than a sewing machine (silversmith)!
It may well be worth having a chat with your local insurance broker to see if you can get a reasonable policy via them.
So very sorry to hear this!
Seems mad so I do hope some sense prevails, and a solution on this can be found for you at some point!
Will miss seeing your quilts, but keep on enjoying your sewing and I will see you on IG.
Judyx
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I am going to let things settle and get everything sorted. It had just dragged on for a very long time and I needed to insure the house. We do use a broker because our house has had structural work in the past but I think all the prices are away up because there is this cancelled claim against us now - so even insuring without the business was £300 more than it was before. The lesson here is far better to discuss it with your insurance first!
Thanks, Judy.
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This is such a shame.
I hope you can get insurance sorted and keep on making and selling.
I also hope that the current claim against the drunk drivers insurance is sorted quickly as well.
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I do hope that you can find a sensible quote that will allow you to make your work at home - but I do know that some of the insurance rules do seem to be very inflexible and the quotes reflect this. It would be lovely to welcome you back on Folksy if and when you can sort things out. Good luck Kirsty!
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As I’ve always considered my Folksy shop a hobby I’ve never really read the small print for my insurance.
Your farewell post has concerned me enough to consider closing my shop, after a closing down sale!
I’m of the opinion that any insurance business cover would be greater than my profits, and I really don’t want the stress or hassle.
I love what I’ve been doing, but I will just have to make changes to who I’m sewing for and what I’m sewing!
Good luck with whatever direction you take and thank you for highlighting the insurance issue.
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Thanks Andy. It has all dragged on rather because of the complications that I was running a business so I am now waiting to hear from the drunk driver’s insurance… this has been going on since mid-January and I am quite fed up with it!
Thank you. I think the quotes are all mad at the moment because the insurance company made us cancel the claim for our wall and cancel our insurance so now we look super dodgy. Even closing the business and reinsuring has cost us £300 extra and we also fitted new locks to try and get the price down… I am hoping things will settle after the wall is fixed etc but for now I am out of business. It will all be fine in the end though and I have loads of things I want to sew!
Thank you. Do phone your insurance and ask - my case is a bit extreme because there is this claim complicating things and our house has had structural work so it is harder to find insurance anyway. Other sellers have managed to change their insurance without the stress I have had so I would definitely check the insurance and maybe shop around a bit. Good luck.
I plan to sell what I can quickly, without being too silly, close my shop and wait until renewal time.
I can then shop around and sort out my insurance. It’s renewal time in July, so not too far off. If I think I can make a little profit I’ll be back to Folksy.
I only had my shop to fund my hobby and as an outlet for my projects, so I could keep on making, without being overwhelmed with things I like to make but don’t need!
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Sorry you’re leaving, good luck with everything.
That’s what my shop is for too. x
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