12 months – you will receive an email from us prior to the expiry of cover offering renewal for a further 12 month period.

Yes – you will be responsible for payment during the first 14 days of absence. If you wish this deferment period can be extended to 28, 42 or 56 days for a reduced premium.

You can only purchase this insurance on-line if you employ 5 persons or less. You may still apply for this insurance, but may only do so by contacting us by phone or email.

The insurer’s acceptance of this insurance at the premium quoted is based upon the number of employees you have declared on your application. This number is stated in the schedule issued to you and you must advise us if this number changes. If you do not do so you may prejudice your ability to make a claim under the policy.

All monies are paid directly to the bank account that you specify.

To make a claim, call our claims helpline on 01476 514471 or email us at claims@markbatesltd.com and we will take care of the rest. We fully appreciate that it is essential to resolve a claim efficiently and effectively.