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Motor Portfolio
 

Motor Portfolio

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"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....

"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.
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.
"

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    Motor Portfolio Motor Portfolio Document 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 Motor Trade • Bespoke underwriting solutions Road Risks • Partnership approach with brokers and clients • Variable Cover options • Risk management expertise • Demonstration use available • Dedicated specialist claims team • Courtesy Car Provision CAPACITY Material Damage - up to £10m per fire separated location Third-party property damage • Property cover provided on a FULL theft basis Cars £20m Business Interruption - Commercial vehicles £5m Including £500,000 Book Debts cover as standard Hazardous goods £1m Public and Products Liability - Unlimited cover in respect of your legal liability to £5m Limit of Indemnity others, including passengers, for death or bodily injury. Employer's Liability - £10m Limit of Indemnity These limits can be increased as required, subject to further underwriting criteria. Professional Indemnity Terrorism Cover PRODUCTS We have a particular focus in the following areas: CLAIMS All claims are handled through a dedicated, UK based, Fleet freephone, available 24 hours a day, 365 days of the year. • Coach, bus and minibus Dedicated claims handlers specialise in: • Taxi • Tailored claims handling solutions • Haulage - UK and overseas • Own damage and third-party • Hazardous goods • Property damage claims • Plant and special types • Personal injury claims • Public sector • Risk management • Blue light • Crisis management • Commercial vehicle and private car fleets • Funded and non-conventional risks FINANCE PACKAGES • Pan-European including Republic of Ireland fleets Premium finance packages available on request. Specialist Personal Lines QUALITY ASSURANCE • Private car - specialist and bespoke portfolio Our quality assurance system has been developed in line • Overseas - accidental damage and liability with the requirements of ISO 9001:2000 international standard and we are fully ISO accredited. • Niche
    • MOTOR For more information on our products and services please contact: Matthew Crane, Managing Director tel +44 (0) 1245 272632 email matthew.crane@uk.qbe.com Fleet National Steve Hodge, Head of Fleet Underwriting, wholesale Manchester tel +44 (0)1245 272 632 Joanne McCulloch, Senior Motor Underwriter email steve.hodge@uk.qbe.com tel +44 (0)161 838 7314 email joanne.mcculloch@uk.qbe.com Stephen Gristwood, Portfolio Manager, retail tel +44 (0)1245 272 508 Leeds email steve.gristwood@uk.qbe.com Mark Bowden, Senior Motor Underwriter tel +44 (0)113 224 5636 Kevin Sherman, Head of Motor Fleet email mark.bowden@uk.qbe.com tel +44 (0)1245 272 692 email kevin.sherman@uk.qbe.com Glasgow David Cairns, Senior Motor Underwriter Tim Ostler, Portfolio Manager, bus and coach tel +44 (0)141 227 1516 tel +44 (0)1245 272 742 email david.cairns@uk.qbe.com email tim.ostler@uk.qbe.com South East Mark Norfolk, Senior Motor Underwriter Specialist Personal Lines tel +44 (0)1245 343149 Steve Stone, Portfolio Manager, specialist personal lines email mark.norfolk@uk.qbe.com and international Birmingham tel +44 (0)1245 272 654 Warren Knowles, Senior Motor Underwriter email steve.stone@uk.qbe.com tel +44 (0)121 710 1718 email warren.knowles@uk.qbe.com Motor Trade Republic of Ireland Jo Treble, Underwriter, Motor Trade Joe McPartlan, Motor Underwriting Manager tel +44 (0)1245 343154 tel +00 353 1 605 3680 email jo.treble@uk.qbe.com email Joe.McPartlan@ie.qbe.com Stafford Matthew Porter, Senior Motor Underwriter tel +44 (0)1785 785 379 email matthew.porter@qbe-uk.com Motor QBE European Operations One Coval Wells Chelmsford Essex CM1 1WZ tel +44 (0)1245 272 700 fax +44 (0)1245 272 701 email motor@uk.qbe.com 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 OUR HISTORY QBE Insurance Group is an internationally renowned Established in 1927, Ensign motor policies became organisation publicly listed on the Australian stock a leading Lloyd’s motor underwriting syndicate, exchange since 1973, headquartered in Sydney, with a specialising in risks such as haulage, coach and bus, presence in all the key insurance markets. QBE is a lead as well as other fleet business including private car and underwriter within its chosen markets, setting rates and an overseas account. In 1999, Ensign purchased Torch conditions. To year-end 31 December 2007 its gross Underwriting and in 2004 was acquired by QBE written premium totalled £5.2 billion. 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 To save your business drivers having to make excess and Brake, whose Fleet Safety Forum is a valuable component VAT payments to repairers, we can offer fund-processing in the high-quality risk management information and arrangements. advice we offer to brokers and fleet policyholders. Our proactive Third Party Pro Activity approach ensures The forum offers practical guidance and best-practice we maximise the proportion of innocent parties put case studies to thousands of UK fleet operators. Fleet through the CAA repairer network. clients who subscribe to Brake also gain password- protected 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. 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 • eLearning materials to educate drivers on their safety provide a nationwide approved recovery agent network. and behaviour All work is carried out on a fixed pricing system (menu and scenario based) to avoid any risk of overcharging. • Driver training covering the risks identified by Driver Risk Assessments All invoices over £500 are accompanied by photographic evidence. No charges are made for vehicles or equipment • Work based education seminars for management on standby – or for specialist equipment available but not and drivers actually used in the recovery process. • Driver licence checking for all employees who drive All invoices clearly define and itemise what equipment on company business and manpower has been used and for how long. This • Ongoing monitoring and review helps separate road risks from goods in transit covers, especially where a load has to be recovered separately • Repeat/refresher training from the vehicle. • Forensic accident investigation 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. 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 motorrisk.management@uk.qbe.com 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 SPECIALIST KNOWLEDGE • Flexible claims reporting solutions including • Nationwide network of specialist consulting a freephone claims reporting service motor engineers • Corporate claims handling capability • In-house engineering expertise • Out-of-hours claims reporting service • Strict adherence to service level agreements • Scene of accident vehicle recovery • Committed to rehabilitation • Guaranteed repairs through an approved • Strong anti-fraud strategy repairer network • Competitive labour rates and parts/paint prices AUDITING • Vehicle collection and redelivery services for vehicles • Regular auditing of business partners including that have been rendered immobile or unroadworthy inspecting consulting engineers, claims handling agents and solicitors • Online repair tracking • Comprehensive internal auditing processes • Downtime management • Average repair cost information QUALITY ASSURANCE • Small courtesy vehicle replacement (subject to • Our quality assurance system has been developed availability and policy cover) in line with the requirements of ISO 9001:2000 international standard • Glass/audio replacement • We are fully ISO accredited • Freephone cards and scene of accident information sheets • Fund processing arrangements available RISK MANAGEMENT • 100% UK-based claims and call handling teams • Expert recommendations • Training guidance and advice CLAIMS EXPERTISE • Bespoke approach • Bespoke claims handling procedures • Dedicated claims handlers For more information please contact: • Technical and strategic claims team support Motor Claims Department QBE Insurance (Europe) Limited • Risk management One Coval Wells • Crisis management Chelmsford Essex MANAGEMENT INFORMATION CM1 1WZ • Regular claims reviews tel +44 (0)1245 272 700 fax +44 (0)1245 272 813 • Comprehensive management information email motor.claims@uk.qbe.com on a regular basis www.QBEeurope.com/motor • 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 CLAIMS • Schools • Dedicated UK-based minibus claims team • Colleges • Upon reporting a claim, callers are assigned a dedicated claims negotiator who will be their one point of contact • Universities throughout, to ensure speed and efficiency for your client. • Nursing homes • Accident and breakdown recovery, including Homestart, roadside assistance and onward transportation is • Charities provided by the AA – available 24-hours a day • Community transport FINANCE PACAKGES • Private hire Premium finance packages available on request • Public hire For more information on our products and services • Youth groups please contact: Matthew Porter, Senior Underwriter • Private individuals tel +44 (0)1785 785 379 • Hotel/courtesy buses email matthew.porter@qbe-uk.com or for general enquiries please contact: • Places of worship/religion tel +44 (0)845 603 8795 • Commercial use fax +44 (0)845 609 0320 email minibus@qbe-uk.com • Risks containing minibuses www.QBEeurope.com/motor KEY PRODUCT FEATURES QBE (Stafford) Limited Mill Court • Uninsured loss recovery Mill Street Stafford • Pan-European cover ST16 2AX • Personal accident cover for driver and passengers • Optional public liability cover for private and public hire operators QBE is the UK’s leading minibus and • Rapid quote and prompt documentation turnaround 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 CROSS-CLASS PACKAGES • Local authority • Wide range of coverages • Community transport • Cross-class deductibles • Education • Cross-class aggregates • Public hire • Tailored claims handling solutions • Stage FINANCE PACKAGES • Express • Premium finance packages available on request • High-profile sports and entertainment For more information on our products and services • High-level self-insured programmes please contact: and non-conventional risks Matthew Crane – Managing Director • Overseas tel +44 (0)1245 272 632 email matthew.crane@uk.qbe.com COMMERCIAL Steve Hodge – Head of Fleet Underwriting, wholesale • Haulage – UK and overseas tel +44 (0)1245 272 698 email steve.hodge@uk.qbe.com • Own goods Stephen Gristwood – Portfolio Manager, retail • Hazardous goods tel +44 (0)1245 272 508 email steve.gristwood@uk.qbe.com • Parcel delivery Kevin Sherman – Head of Motor Fleet • Blue light tel +44 (0)1245 272 692 • Public and local authority email kevin.sherman@uk.qbe.com • High-level self-insured programmes and Tim Ostler – Portfolio Manager, bus and coach non-conventional risks tel +44 (0)1245 272 742 email tim.ostler@uk.qbe.com • Plant and special types Matthew Porter – Senior Underwriter • Overseas tel +44 (0)1785 785 379 email matthew.porter@qbe-uk.com FLEET CAR • General • NHS We offer an exceptional range of • Overseas quality products and services across • High-level self-insured programmes coaches, buses and minibuses, • Taxi 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 PENNANT Standard private car and individual own goods small This facility is for drivers with poor conviction and/or commercial vehicles. accident records and is for non-compensation cover only. General enquiries General enquiries tel +44 (0)1245 27 2570 tel +44 (0)1245 27 2570 John O’Connor, Underwriter Matt Seago, Underwriter tel +44 (0)1245 27 2930 tel +44 (0)1245 27 2932 email john.o’connor@uk.qbe.com email john.bishop@uk.qbe.com Eddie Smith, Underwriter Christian Smith, Assistant underwriter tel +44 (0)1245 27 2936 tel +44 (0)1245 27 2484 email eddie.smith@uk.qbe.com email christian.smith@uk.qbe.com NICHE, SPECIALIST, MOTORCYCLE MOTOR TRADE AND HAULAGE AND HORSEBOX This includes road risks only motor trade and individual This includes classics, modified, import and American haulage risks. vehicles and classic motorcycles. Gary Clayton, Underwriter General enquiries tel +44 (0)1245 27 2935 tel +44 (0)1245 27 2571 email gary.clayton@uk.qbe.com Mike Slowey, Underwriter John Crabb, Assistant underwriter tel +44 (0)1245 27 2934 tel +44 (0)1245 27 2933 email mike.slowey@uk.qbe.com email john.crabb@uk.qbe.com Mark Atkinson, Assistant underwriter AUDIT AND COMPLIANCE tel +44 (0)1245 27 2908 email mark.atkinson@uk.qbe.com Lisa Mead, Specialist personal lines analyst tel +44 (0)1245 27 2937 Sam Swaisland, Underwriter email lisa.mead@uk.qbe.com tel +44 (0)1245 27 2939 email sam.swaisland@uk.qbe.com
    • 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 motor@uk.qbe.com 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.