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MOTOR PORTFOLIO

MOTOR PORTFOLIO
MOTOR PORTFOLIO

MOTOR AT A GLANCE

MOTOR

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

CAPACITY

Third-party property damage

Cars

£20m

Commercial vehicles

£5m

Hazardous goods

£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:

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

Specialist Personal Lines

Private car - specialist and bespoke portfolio

Overseas - accidental damage and liability

Niche

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

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

FINANCE PACKAGES

Premium finance packages available on request.

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.

has been developed in line with the requirements of ISO 9001:2000 international standard and we are

MOTOR

For more information on our products and services please contact:

Matthew Crane, Managing Director

tel

email matthew.crane@uk.qbe.com

+44 (0) 1245 272632

Fleet

Steve Hodge, Head of Fleet Underwriting, wholesale

tel

email steve.hodge@uk.qbe.com

Stephen Gristwood, Portfolio Manager, retail

tel

email steve.gristwood@uk.qbe.com

Kevin Sherman, Head of Motor Fleet

+44 (0)1245 272 692

email kevin.sherman@uk.qbe.com

tel

+44 (0)1245 272 632

+44 (0)1245 272 508

Tim Ostler, Portfolio Manager, bus and coach

tel

email tim.ostler@uk.qbe.com

+44 (0)1245 272 742

Specialist Personal Lines

Steve Stone, Portfolio Manager, specialist personal lines and international

tel

+44 (0)1245 272 654

email steve.stone@uk.qbe.com

Motor Trade

Jo Treble, Underwriter, Motor Trade

tel

email jo.treble@uk.qbe.com

+44 (0)1245 343154

National

Manchester

Joanne McCulloch, Senior Motor Underwriter

tel

email joanne.mcculloch@uk.qbe.com

Leeds Mark Bowden, Senior Motor Underwriter

tel

email mark.bowden@uk.qbe.com

Glasgow

David Cairns, Senior Motor Underwriter

tel

email david.cairns@uk.qbe.com

South East

Mark Norfolk, Senior Motor Underwriter

tel

email mark.norfolk@uk.qbe.com

Birmingham Warren Knowles, Senior Motor Underwriter

tel

email warren.knowles@uk.qbe.com

Republic of Ireland

Joe McPartlan, Motor Underwriting Manager

tel

email Joe.McPartlan@ie.qbe.com

Stafford

Matthew Porter, Senior Motor Underwriter

tel

email matthew.porter@qbe-uk.com

+44 (0)161 838 7314

+44 (0)113 224 5636

+44 (0)141 227 1516

+44 (0)1245 343149

+44 (0)121 710 1718

+00 353 1 605 3680

+44 (0)1785 785 379

Motor QBE European Operations One Coval Wells Chelmsford Essex CM1 1WZ

tel

fax +44 (0)1245 272 701

email motor@uk.qbe.com

+44 (0)1245 272 700

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.

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.

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

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.

2008 sees all motor products branded under the QBE banner.   • One of the UK’s
 

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

• Over 80 years of expertise in the commercial motor insurance market • Key UK and
QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial

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.

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 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.

to your drivers based on Brake’s Pledge to Drive Safely. ACCIDENT MANAGEMENT You can report car

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.

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.

of innocent parties put through the CAA repairer network. We promote road safety measures on preventable
of innocent parties put through the CAA repairer network. We promote road safety measures on preventable

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.

& procedures to ensure a continual focus on road safety and full compliance with UK legislation

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.

reduces the impact of recovery on your overall claims cost. RISK MANAGEMENT Working in partnership with

RISK MANAGEMENT

Working in partnership with Active Risk Management (ARM), QBE can arrange risk assessment surveys for selected fleet operators at key fleet locations.

surveys for selected fleet operators at key fleet locations. Among the services ARM can offer are:

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

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

training • Forensic accident investigation For further information and details of our risk management

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.

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

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

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

fax +44 (0)1245 272 813 email motor.claims@uk.qbe.com

+44 (0)1245 272 700

www.QBEeurope.com/motor

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.

policyholders and innocent third parties, ensuring vehicle downtime is kept to a minimum and that costs
QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial

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.

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

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

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

email matthew.porter@qbe-uk.com

or for general enquiries please contact:

+44 (0)1785 785 379

tel

+44 (0)845 603 8795

fax

+44 (0)845 609 0320

email minibus@qbe-uk.com

www.QBEeurope.com/motor

QBE (Stafford) Limited Mill Court Mill Street Stafford ST16 2AX

QBE is the UK’s leading minibus and MPV insurance provider, working with over 4,000 intermediaries
QBE is the UK’s leading minibus and
MPV insurance provider, working with
over 4,000 intermediaries throughout
the UK.
QBE is the UK’s leading minibus and MPV insurance provider, working with over 4,000 intermediaries throughout
QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial

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.

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

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

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

email matthew.crane@uk.qbe.com

Steve Hodge – Head of Fleet Underwriting, wholesale

tel

email steve.hodge@uk.qbe.com

Stephen Gristwood – Portfolio Manager, retail

tel

email steve.gristwood@uk.qbe.com

Kevin Sherman – Head of Motor Fleet

tel

email kevin.sherman@uk.qbe.com

Tim Ostler – Portfolio Manager, bus and coach

tel

email tim.ostler@uk.qbe.com

Matthew Porter – Senior Underwriter

tel

email matthew.porter@qbe-uk.com

+44 (0)1245 272 632

+44 (0)1245 272 698

+44 (0)1245 272 508

+44 (0)1245 272 692

+44 (0)1245 272 742

+44 (0)1785 785 379

We offer an exceptional range of quality products and services across coaches, buses and minibuses,
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

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.

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

email john.o’connor@uk.qbe.com

+44 (0)1245 27 2930

Eddie Smith, Underwriter

tel

email eddie.smith@uk.qbe.com

+44 (0)1245 27 2936

NICHE, SPECIALIST, MOTORCYCLE AND HORSEBOX

This includes classics, modified, import and American vehicles and classic motorcycles.

General enquiries

tel

Mike Slowey, Underwriter

tel

email mike.slowey@uk.qbe.com

Mark Atkinson, Assistant underwriter

tel

email mark.atkinson@uk.qbe.com

Sam Swaisland, Underwriter

tel

email sam.swaisland@uk.qbe.com

+44 (0)1245 27 2571

+44 (0)1245 27 2934

+44 (0)1245 27 2908

+44 (0)1245 27 2939

PENNANT

This facility is for drivers with poor conviction and/or accident records and is for non-compensation cover only.

General enquiries

tel

Matt Seago, Underwriter

tel

email john.bishop@uk.qbe.com

Christian Smith, Assistant underwriter

tel

email christian.smith@uk.qbe.com

+44 (0)1245 27 2570

+44 (0)1245 27 2932

+44 (0)1245 27 2484

MOTOR TRADE AND HAULAGE

This includes road risks only motor trade and individual haulage risks.

Gary Clayton, Underwriter

tel

email gary.clayton@uk.qbe.com

John Crabb, Assistant underwriter

+44 (0)1245 27 2933

+44 (0)1245 27 2935

tel

email john.crabb@uk.qbe.com

AUDIT AND COMPLIANCE

Lisa Mead, Specialist personal lines analyst

tel

email lisa.mead@uk.qbe.com

+44 (0)1245 27 2937

AUDIT AND COMPLIANCE Lisa Mead, Specialist personal lines analyst tel email lisa.mead@uk.qbe.com +44 (0)1245 27 2937
QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial

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.

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

272 701 e-mail motor@uk.qbe.com www.QBEeurope.com/motor QBE Insurance (Europe) Limited is part of QBE European

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.