Motor Portfolio

Transcript

MOTOR PORTFOLIO MOTOR MOTOR AT A GLANCE The provision of client focused insurance solutions through specialist underwriters, quality claims handling and strategic risk management has established QBE as a market leader in the motor insurance sector. QBE offers private car, fleet car, commercial vehicle, coach and bus, taxis and self-drive hire programmes, all delivered by an experienced team of specialist underwriters. Locally empowered motor underwriters also operate from six national branches. They are able to deliver flexible and innovative solutions, along with QBE's renowned high quality service. MOTOR PORTFOLIO UNDERWRITING • Bespoke underwriting solutions • Partnership approach with brokers and clients • Risk management expertise • Dedicated specialist claims team Motor Trade Road Risks • Variable Cover options • Demonstration use available • Courtesy Car Provision Material Damage up to £10m per fire separated location • Property cover provided on a FULL theft basis Business Interruption Including £500,000 Book Debts cover as standard Public and Products Liability £5m Limit of Indemnity Employer's Liability - £10m Limit of Indemnity Professional Indemnity Terrorism Cover CAPACITY Third-party property damage Cars Commercial vehicles Hazardous goods £20m £5m £1m Unlimited cover in respect of your legal liability to others, including passengers, for death or bodily injury. These limits can be increased as required, subject to further underwriting criteria. PRODUCTS We have a particular focus in the following areas: CLAIMS All claims are handled through a dedicated, UK based, freephone, available 24 hours a day, 365 days of the year. Dedicated claims handlers specialise in: • Tailored claims handling solutions • Own damage and third-party • Property damage claims • Personal injury claims • Risk management • Crisis management Fleet • Coach, bus and minibus • Taxi • Haulage - UK and overseas • Hazardous goods • Plant and special types • Public sector • Blue light • Commercial vehicle and private car fleets • Funded and non-conventional risks • Pan-European including Republic of Ireland fleets FINANCE PACKAGES Premium finance packages available on request. Specialist Personal Lines • Private car - specialist and bespoke portfolio • Overseas - accidental damage and liability • Niche QUALITY ASSURANCE Our quality assurance system has been developed in line with the requirements of ISO 9001:2000 international standard and we are fully ISO accredited. MOTOR For more information on our products and services please contact: Matthew Crane, Managing Director tel +44 (0) 1245 272632 email [email protected] Fleet Steve Hodge, Head of Fleet Underwriting, wholesale tel +44 (0)1245 272 632 email [email protected] Stephen Gristwood, Portfolio Manager, retail tel +44 (0)1245 272 508 email [email protected] Kevin Sherman, Head of Motor Fleet tel +44 (0)1245 272 692 email [email protected] Tim Ostler, Portfolio Manager, bus and coach tel +44 (0)1245 272 742 email [email protected] National Manchester Joanne McCulloch, Senior Motor Underwriter tel +44 (0)161 838 7314 email [email protected] Leeds Mark Bowden, Senior Motor Underwriter tel +44 (0)113 224 5636 email [email protected] Glasgow David Cairns, Senior Motor Underwriter tel +44 (0)141 227 1516 email [email protected] South East Mark Norfolk, Senior Motor Underwriter tel +44 (0)1245 343149 email [email protected] Birmingham Warren Knowles, Senior Motor Underwriter tel +44 (0)121 710 1718 email [email protected] Republic of Ireland Joe McPartlan, Motor Underwriting Manager tel +00 353 1 605 3680 email [email protected] Stafford Matthew Porter, Senior Motor Underwriter tel +44 (0)1785 785 379 email [email protected] Specialist Personal Lines Steve Stone, Portfolio Manager, specialist personal lines and international tel +44 (0)1245 272 654 email [email protected] Motor Trade Jo Treble, Underwriter, Motor Trade tel +44 (0)1245 343154 email [email protected] Motor QBE European Operations One Coval Wells Chelmsford Essex CM1 1WZ tel +44 (0)1245 272 700 fax +44 (0)1245 272 701 email [email protected] www.QBEeurope.com/motor QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR ABOUT QBE The QBE motor portfolio has an uninterrupted 80-year history in the motor market, and during this time we’ve built up an enviable reputation for fast, quality service as well as unrivalled expertise. The motor portfolio has grown steadily over the years and encompasses the Ensign and MBP brands. We are part of one of the world’s leading insurers, QBE, rated A+ by Standard and Poor’s. ABOUT QBE INSURANCE GROUP QBE Insurance Group is an internationally renowned organisation publicly listed on the Australian stock exchange since 1973, headquartered in Sydney, with a presence in all the key insurance markets. QBE is a lead underwriter within its chosen markets, setting rates and conditions. To year-end 31 December 2007 its gross written premium totalled £5.2 billion. OUR HISTORY Established in 1927, Ensign motor policies became a leading Lloyd’s motor underwriting syndicate, specialising in risks such as haulage, coach and bus, as well as other fleet business including private car and an overseas account. In 1999, Ensign purchased Torch Underwriting and in 2004 was acquired by QBE Insurance Group. In 2005 QBE acquired the minibus and MPV specialist MBP. 2008 sees all motor products branded under the QBE banner. QBE IN THE UK QBE is now one of the UK’s leading insurers, known throughout the market for its healthy appetite for risk and willingness to work flexibly in partnership with brokers. From policy inception to claims settlement, the QBE approach is to use our market expertise to understand the needs of the individual client. Then we tailor our solutions to fit those needs. We don't believe that one size fits all or that we should follow what other insurers do, which means we are always willing to take a view on specialist risks. QBE offers considerable diversity to the broking community, both within the Lloyd's environment and in the company arena through QBE Insurance (Europe) Limited. FINANCIAL STRENGTH Standard & Poor’s insurer financial strength and counterparty credit rating for QBE’s main insurance subsidiaries is A+ (Stable). Fitch Ratings insurer financial strength rating for QBE’s main underwriting subsidiaries is A+, and the agency has also affirmed a long-term credit rating at A. Its outlook for all ratings is Stable. A.M. Best assigned the financial strength rating of the QBE Group of companies A (Excellent). For more information on QBE, please visit our website www.QBEeurope.com/motor • One of the UK’s largest commercial insurance companies QBE KEY FACTS • Over 80 years of expertise in the commercial motor insurance market • Key UK and international motor insurer QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR MOTOR FLEET RISK MANAGEMENT Expert specialist advice can help you reduce both the cost and frequency of accidents and cut the overall cost of running your fleet. QBE works with fleet operators to analyse claims trends, implement innovative and cost-effective solutions – and keep you up to speed with the latest industry best practice, codes and standards. ROAD SAFETY QBE works in partnership with national road safety charity Brake, whose Fleet Safety Forum is a valuable component in the high-quality risk management information and advice we offer to brokers and fleet policyholders. The forum offers practical guidance and best-practice case studies to thousands of UK fleet operators. Fleet clients who subscribe to Brake also gain passwordprotected access to a wealth of information on the Fleet Safety Forum website. For selected fleet managers we offer free one-day training sessions through Brake’s Road Safety Academy. This training, which can be delivered locally at prescribed times throughout the year equips your managers with the knowledge and resources (including PowerPoint slides) to deliver a one-hour awareness training presentation to your drivers based on Brake’s Pledge to Drive Safely. To save your business drivers having to make excess and VAT payments to repairers, we can offer fund-processing arrangements. Our proactive Third Party Pro Activity approach ensures we maximise the proportion of innocent parties put through the CAA repairer network. ACCIDENT MANAGEMENT You can report car and commercial vehicle accidents quickly and easily to our Central Claims Services unit (CCS) at Coval Wells by telephoning freefone 0808 100 8181. We are always happy to provide you with additional freefone cards, scene of accident information forms and QBE disposable cameras at no charge. We offer a rapid and efficient accident management service through Countrywide Accident Assistance Ltd (CAA) Ipswich. This ensures repairs are completed quickly under strict cost-control protocols. This generates a wealth of valuable management information, including average repair costs and downtime, and allows you to track your repairs online. We promote road safety measures on preventable accidents and assist with the reduction of the frequency and cost of claims. Our initiatives provide fleet operators with the opportunity to build a relationship and create a culture of change within their businesses aimed at enhancing current risk management practise & procedures to ensure a continual focus on road safety and full compliance with UK legislation and regulation. SCENE OF ACCIDENT RECOVERY Through our partnership with Auto Rescue Logistics, we provide a nationwide approved recovery agent network. All work is carried out on a fixed pricing system (menu and scenario based) to avoid any risk of overcharging. All invoices over £500 are accompanied by photographic evidence. No charges are made for vehicles or equipment on standby – or for specialist equipment available but not actually used in the recovery process. All invoices clearly define and itemise what equipment and manpower has been used and for how long. This helps separate road risks from goods in transit covers, especially where a load has to be recovered separately from the vehicle. This transparent service generates substantial savings in an area of activity that is often overcharged. Our closely managed approach reduces the impact of recovery on your overall claims cost. • eLearning materials to educate drivers on their safety and behaviour • Driver training covering the risks identified by Driver Risk Assessments • Work based education seminars for management and drivers • Driver licence checking for all employees who drive on company business • Ongoing monitoring and review • Repeat/refresher training • Forensic accident investigation RISK MANAGEMENT Working in partnership with Active Risk Management (ARM), QBE can arrange risk assessment surveys for selected fleet operators at key fleet locations. Among the services ARM can offer are: • Audits and surveys • Fleetsafe Health & Safety policy and driver handbook statement solution • Online Driver Risk Assessments for all drivers For further information and details of our risk management literature please contact Paul Dunkley on 01245 272864 who will be happy to expand on these partnerships or you can email us at [email protected] QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR CLAIMS HANDLING We are committed to excellence in the handling of motor claims. Our claims handling service provides specialist resources and claims handling advice for all classes of vehicle. KEY BENEFITS • Flexible claims reporting solutions including a freephone claims reporting service • Corporate claims handling capability • Out-of-hours claims reporting service • Scene of accident vehicle recovery • Guaranteed repairs through an approved repairer network • Competitive labour rates and parts/paint prices • Vehicle collection and redelivery services for vehicles that have been rendered immobile or unroadworthy • Online repair tracking • Downtime management • Average repair cost information • Small courtesy vehicle replacement (subject to availability and policy cover) • Glass/audio replacement • Freephone cards and scene of accident information sheets • Fund processing arrangements available • 100% UK-based claims and call handling teams SPECIALIST KNOWLEDGE • Nationwide network of specialist consulting motor engineers • In-house engineering expertise • Strict adherence to service level agreements • Committed to rehabilitation • Strong anti-fraud strategy AUDITING • Regular auditing of business partners including inspecting consulting engineers, claims handling agents and solicitors • Comprehensive internal auditing processes QUALITY ASSURANCE • Our quality assurance system has been developed in line with the requirements of ISO 9001:2000 international standard • We are fully ISO accredited RISK MANAGEMENT • Expert recommendations • Training guidance and advice • Bespoke approach For more information please contact: Motor Claims Department QBE Insurance (Europe) Limited One Coval Wells Chelmsford Essex CM1 1WZ tel +44 (0)1245 272 700 fax +44 (0)1245 272 813 email [email protected] www.QBEeurope.com/motor CLAIMS EXPERTISE • Bespoke claims handling procedures • Dedicated claims handlers • Technical and strategic claims team support • Risk management • Crisis management MANAGEMENT INFORMATION • Regular claims reviews • Comprehensive management information on a regular basis • Comprehensive fund account management/aggregate erosion overview We encourage the earliest reporting of all new incidents, within 24 hours where possible. This enables us to provide a proactive service to both policyholders and innocent third parties, ensuring vehicle downtime is kept to a minimum and that costs are controlled. QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR QBE – MINIBUS AND SMALL FLEET INSURANCE QBE is the UK’s leading minibus and MPV insurance provider, working with over 4,000 intermediaries throughout the UK. Delivering insurance solutions in this complex market is our specialism, and through detailed knowledge and understanding of all sectors we are able to provide policies customised for both private and commercial minibuses. Our own claims service specialises in dealing with minibus related incidents. We work closely with our partners particularly the AA who are the UK's largest breakdown organisation, repairing more breakdowns by the roadside than anyone else, plus a host of approved garages and repairers ensuring your clients' total support from the beginning of their journey to the end. MINIBUS AND MPV INSURANCE • Schools • Colleges • Universities • Nursing homes • Charities • Community transport • Private hire • Public hire • Youth groups • Private individuals • Hotel/courtesy buses • Places of worship/religion • Commercial use • Risks containing minibuses CLAIMS • Dedicated UK-based minibus claims team • Upon reporting a claim, callers are assigned a dedicated claims negotiator who will be their one point of contact throughout, to ensure speed and efficiency for your client. • Accident and breakdown recovery, including Homestart, roadside assistance and onward transportation is provided by the AA – available 24-hours a day FINANCE PACAKGES Premium finance packages available on request For more information on our products and services please contact: Matthew Porter, Senior Underwriter tel +44 (0)1785 785 379 email [email protected] or for general enquiries please contact: tel +44 (0)845 603 8795 fax +44 (0)845 609 0320 email [email protected] www.QBEeurope.com/motor QBE (Stafford) Limited Mill Court Mill Street Stafford ST16 2AX KEY PRODUCT FEATURES • Uninsured loss recovery • Pan-European cover • Personal accident cover for driver and passengers • Optional public liability cover for private and public hire operators • Rapid quote and prompt documentation turnaround QBE is the UK’s leading minibus and MPV insurance provider, working with over 4,000 intermediaries throughout the UK. QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR QBE – FLEET INSURANCE Whether a client has a single vehicle or a whole fleet, you need to know that they are getting a good-value deal, backed up by fast, efficient service. We offer an exceptional range of quality products and services across coaches, buses and minibuses, haulage own goods and fleet cars. At QBE we are always willing to look at risks and will try to find an innovative solution to meet a client’s needs, including developing cross-class packages in the UK as well as in Europe. From single vehicles to large fleets, we have no minimum or maximum premium requirements and our coverage can be UK-based or pan-European. COACH, BUS AND MINIBUS • Local authority • Community transport • Education • Public hire • Stage • Express • High-profile sports and entertainment • High-level self-insured programmes and non-conventional risks • Overseas CROSS-CLASS PACKAGES • Wide range of coverages • Cross-class deductibles • Cross-class aggregates • Tailored claims handling solutions FINANCE PACKAGES • Premium finance packages available on request For more information on our products and services please contact: Matthew Crane – Managing Director tel +44 (0)1245 272 632 email [email protected] Steve Hodge – Head of Fleet Underwriting, wholesale tel +44 (0)1245 272 698 email [email protected] Stephen Gristwood – Portfolio Manager, retail tel +44 (0)1245 272 508 email [email protected] Kevin Sherman – Head of Motor Fleet tel +44 (0)1245 272 692 email [email protected] Tim Ostler – Portfolio Manager, bus and coach tel +44 (0)1245 272 742 email [email protected] Matthew Porter – Senior Underwriter tel +44 (0)1785 785 379 email [email protected] COMMERCIAL • Haulage – UK and overseas • Own goods • Hazardous goods • Parcel delivery • Blue light • Public and local authority • High-level self-insured programmes and non-conventional risks • Plant and special types • Overseas FLEET CAR • General • NHS • Overseas • High-level self-insured programmes • Taxi We offer an exceptional range of quality products and services across coaches, buses and minibuses, haulage own goods and fleet cars. QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. MOTOR SPECIALIST PERSONAL LINES This very diverse account looks to meet the demands and needs of our intermediaries to facilitate business across all personal lines motor products and risk types. The account is managed by specialist underwriters in their field of expertise. The Specialist Personal Lines team is always prepared to consider difficult personal lines risks or schemes that need a tailored approach. We rely heavily on our relationships with key intermediaries throughout the UK, whom themselves will be specialists in their own areas. PRIVATE CAR AND COMMERCIAL VEHICLE Standard private car and individual own goods small commercial vehicles. General enquiries tel +44 (0)1245 27 2570 John O’Connor, Underwriter tel +44 (0)1245 27 2930 email john.o’[email protected] Eddie Smith, Underwriter tel +44 (0)1245 27 2936 email [email protected] PENNANT This facility is for drivers with poor conviction and/or accident records and is for non-compensation cover only. General enquiries tel +44 (0)1245 27 2570 Matt Seago, Underwriter tel +44 (0)1245 27 2932 email [email protected] Christian Smith, Assistant underwriter tel +44 (0)1245 27 2484 email [email protected] NICHE, SPECIALIST, MOTORCYCLE AND HORSEBOX This includes classics, modified, import and American vehicles and classic motorcycles. General enquiries tel +44 (0)1245 27 2571 Mike Slowey, Underwriter tel +44 (0)1245 27 2934 email [email protected] Mark Atkinson, Assistant underwriter tel +44 (0)1245 27 2908 email [email protected] Sam Swaisland, Underwriter tel +44 (0)1245 27 2939 email [email protected] MOTOR TRADE AND HAULAGE This includes road risks only motor trade and individual haulage risks. Gary Clayton, Underwriter tel +44 (0)1245 27 2935 email [email protected] John Crabb, Assistant underwriter tel +44 (0)1245 27 2933 email [email protected] AUDIT AND COMPLIANCE Lisa Mead, Specialist personal lines analyst tel +44 (0)1245 27 2937 email [email protected] QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. QBE Insurance (Europe) Limited One Coval Wells Chelmsford Essex CM1 1WZ tel +44 (0)1245 272 700 fax +44 (0)1245 272 701 e-mail [email protected] www.QBEeurope.com/motor QBE Insurance (Europe) Limited is part of QBE European Operations, a division of the QBE Insurance Group. QBE Insurance (Europe) Limited is authorised and regulated by the Financial Services Authority. Registered office Plantation Place, 30 Fenchurch Street, London EC3M 3BD. Registered in England and Wales No. 01761561.