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How does withjack.co.uk handle claims for freelancers?

Based on the website’s description, withjack.co.uk states it offers support through stressful situations and aims to get freelancers “back to work quickly” if a client is dissatisfied or threatens legal action. This implies a standard claims process where they cover legal expenses and provide access to a legal team for defence.

What types of insurance does withjack.co.uk offer for freelancers?

Yes, withjack.co.uk primarily offers four types of insurance tailored for freelancers: Professional Indemnity, Public Liability, Contents Insurance, and Legal Expenses. They also mention services like Business Legal Advice and Contract Reviews.

Is withjack.co.uk regulated by the FCA?

Based on general UK financial regulations, any company offering insurance or acting as an insurance broker in the UK must be authorised and regulated by the Financial Conduct Authority (FCA). While the homepage text doesn’t explicitly state their FCA registration number, a legally legitimate provider would have this information readily available, typically in their website’s footer or “About Us” section. withjack.co.uk vs. Ethical Alternatives (Takaful & Self-Insurance)

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Does withjack.co.uk provide services outside the UK?

Based on the website’s emphasis on “UK freelancers” and “protection for UK freelancers,” it strongly implies that their services are specifically targeted at and available only within the United Kingdom.

Can I get a quote from withjack.co.uk directly on their website?

Yes, the website features calls to action like “Get Insured” and “View Products and pricing,” suggesting that users can likely obtain a quote or view pricing information directly through their online platform.

What is Professional Indemnity insurance from withjack.co.uk?

Professional Indemnity insurance from withjack.co.uk is described as protection against “mistakes, legal issues and problem clients.” It typically covers legal expenses in the defence of a claim arising from professional negligence or errors.

What does Public Liability insurance cover with withjack.co.uk?

Public Liability insurance from withjack.co.uk is stated to protect against “trips and slips and damage to property,” implying coverage for claims made by third parties for injury or property damage caused by your business activities.

Does withjack.co.uk offer Contents Insurance for freelance equipment?

Yes, withjack.co.uk explicitly states that their Contents Insurance protects against “stolen and damaged equipment,” which is crucial for freelancers reliant on their gear. withjack.co.uk Pricing (Ethical Scrutiny of Cost vs. Value)

How does withjack.co.uk help with unpaid invoices?

Withjack.co.uk’s Legal Expenses insurance is stated to protect against “unpaid invoices,” implying that it covers the legal costs associated with pursuing payment from clients who refuse to pay.

Does withjack.co.uk offer contract review services?

Yes, the website highlights “Contract Reviews” as one of its offerings, suggesting they provide a service to help freelancers understand and minimise liability in client agreements.

Are there testimonials for withjack.co.uk?

Yes, the homepage features a testimonial from a freelance photographer, Suzanne Li, who praises their support during a stressful situation.

What kind of legal advice does withjack.co.uk provide?

Withjack.co.uk mentions “Business legal advice for freelancers” and promises access to a “world-class legal team” to help with various business legal matters, particularly if a client threatens to sue.

How does withjack.co.uk differentiate itself from other insurance providers?

Withjack.co.uk states it differentiates itself by focusing specifically on “insurance for freelance creatives,” offering a “simple” process, “one solid policy,” and a “personal touch,” aiming for less “faff” and more relevance for its niche. How to Cancel withjack.co.uk Subscription (General Ethical Guidance)

Does withjack.co.uk have a blog?

Yes, the website prominently features a “Blog” section with articles providing advice on topics relevant to freelancers, such as contract indemnification clauses and how to terminate contracts.

How can I contact withjack.co.uk?

The website has a “Contact” section, which typically provides various methods of communication such as email, phone, or a contact form.

What ethical concerns are associated with withjack.co.uk’s model?

The primary ethical concerns arise from withjack.co.uk’s operation within a conventional insurance model, which typically involves elements of gharar (excessive uncertainty or speculation) and riba (interest) in its financial structure and investments.

Why is conventional insurance like withjack.co.uk ethically problematic?

Conventional insurance is ethically problematic because it often features gharar due to the uncertain outcome of the contract (will a claim occur, and what will the payout be?), and riba through the investment of pooled premiums in interest-bearing assets.

Are there ethical alternatives to withjack.co.uk for freelancers?

Yes, ethical alternatives include Takaful (Islamic insurance, based on mutual cooperation and riba-free investments), building a robust emergency fund for self-insurance, and proactive engagement with ethical legal counsel for contract management and dispute prevention. How to Seek Ethical Financial Protection Instead of withjack.co.uk

Does withjack.co.uk disclose how they invest premiums?

No, the provided homepage text does not include any explicit information or declarations about how withjack.co.uk manages or invests the premiums collected, nor does it mention adherence to ethical investment screening.

What is the main recommendation regarding withjack.co.uk from an ethical standpoint?

From an ethical standpoint, withjack.co.uk is not recommended due to its reliance on a conventional insurance model that likely involves gharar and riba. Freelancers seeking professional protection are advised to explore Takaful or other ethically compliant risk management strategies instead.

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withjack.co.uk FAQ