MINI FLEET INSURANCE. Market-leading fleet solutions

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1 MINI FLEET INSURNCE Market-leading fleet solutions Discover our refreshed SME Mini Fleet insurance, providing excellent standard cover and a range of improved features. Specifically designed for companies with fleets of between 2 and 15 vehicles, with flexibility for renewals from 2 to 20 vehicles. Mini Fleet provides cover for cars, vans, trucks (up to 44 tonnes), trailers and forklifts.

2 New business, fast With Mini Fleet, you can get an instant quote, bind cover for new business, process Mid Term djustments (including Temporary dditional Vehicles) and accept renewals quickly and efficiently via RS Online and cturis. We save you even more time by updating the Motor Insurance Database on behalf of the Insured. We therefore require vehicles to be specified, instead of providing blanket certificates or accepting policies on a declaration basis. Mini Fleet is a Fleet Rated product, and although No Claims Discount (NCD) cannot be earned or protected, RS can use an existing NCD for new business to help calculate a discount.

3 HOW WE VE IMPROVED RS was the first leading insurer to launch an autorated Mini Fleet product available via e-trading platforms. Since launch, we ve continually collected feedback to help us improve, ensuring it remains a market-leading product. Here s a summary of what s improved in our newlyrefreshed Mini Fleet product: Temporary dditional Vehicles You can now add Temporary dditional Vehicles (TV) via RS Online and cturis, giving your clients more flexibility. The TV will rate automatically when you give us a start date and an end date the customer will be charged a short-term flat-rated premium for the change. You can find out how to add a Temporary dditional Vehicle in our questions section at the back of this guide. Claims Experience Rating Risks that were previously Claims Experience rated and that have a lengthy and well-run claims experience should see premiums reduce. This makes us more competitive, especially on risks that are moving from Fleet Insurers, which are often larger cases. Postcode Rating Improvements Changes to our postcode rating mean that we are more competitive in the regions that we know have better than average claims experience, regardless of the size of the fleet. Postcode Eligibility Improvements We are also increasing our postcode eligibility considerably - now 99% of all UK postcodes are eligible. This means that we are able to offer quotes in most areas of the UK, including the North West and large parts of Yorkshire, Birmingham and London which were previously ineligible. RS Online users will receive an upfront notification of unacceptable postcodes when entering their business address. Flex Your Commission We know how important flexibility is when trading business online so our refreshed product gives you the ability to flex your rate of commission on RS Online and cturis. This means that you will be able to reduce commission to as low as 0% or increase the policy commission to a maximum of 20%.

4 EXCELLENT STNDRD COVER OUR STNDRD COVER INCLUDES: Death or bodily injury of any persons (including passengers) unlimited. Loss of or damage to material property 20m (cars), 5m (all other vehicles). Stoppage of or interference with transport 1m. dditional, permanently fitted in-car electronic, audio and navigation equipment 750. OUR COMPREHENSIVE COVER INCLUDES: Personal effects 150. Medical expenses 200. Personal accident up to 5,000. New for old cover for the cost of a replacement vehicle within 12 months of first registration unlimited. Replacement locks in the event of keys being lost or stolen up to 1,000.

5 with a range of flexible options nnual Foreign Use The minimum legal requirement is provided in all EU countries as standard. nnual Foreign Use increases this cover to the same level that applies in the UK and can be applied to all Cars and/or all Goods Carrying Vehicles. Tools in Transit pplies to Goods Carrying Vehicles covered on a comprehensive basis only a 500 limit is applied to any one claim. Legal ssistance Plan Uninsured Loss Recovery with a 50,000 limit for legal expenses related to recovery of uninsured losses. Breakdown vailable in four different levels for Cars and Goods Carrying Vehicles under 7.5t GVW.

6 N PPETITE FOR BUSINESS Now an established product, Mini Fleet is most competitive on: WHERE TO BUY You can buy our new Mini Fleet insurance on RS Online (rsaonline.rsagroup.com) and cturis. We ll also be making our SME products available on more Software House systems via imarket later in the year. Risks consisting of up to 6 vehicles although improvements have been made to our rating for anything up to 15 vehicles for new business. Risks consisting primarily of Car type vehicles Risks with no serious convictions or drivers under-25s. Both previously NCD and previously Fleet rated vehicles. Businesses based outside of heavy urban areas. Vehicles that can be restricted to Named Drivers or Drivers over 30.

7 WHY RS FOR SME? 1. NEW, REFRESHED, ESY-TO-TRDE SME PRODUCTS Our new and refreshed SME products are pricecompetitive, with increased levels of eligibility creating more opportunities for business. Our simple products offer modular covers for even greater flexibility. 2. TTENTIVE SERVICE ND RESPONSIVE TURNROUND TIMES We ve improved response times for new business and MTs. We ve also improved our renewals processes with regular e-bulletins and an online dashboard on RS Online, where you can access Live Chat to make e-trading with us faster, easier and more efficient. 3. STRONG REPUTTION FOR FIR CLIMS s a market-leading SME claims provider we will deliver an effective and efficient claims service encompassing speed of action, technical excellence and payment in accordance with the policy. Bespoke Supply Chain - exclusive access to a large network of vetted suppliers who provide a range of property services at specially negotiated rates. Unique In-house Loss djusting Services to investigate all types of material damage and business interruption claims enable swifter on-site settlement and with no fees for in-house case. Complex Claims Team with the skills and experience to handle complex cases and major events keeping you moving in event of a significant loss. We recognise communication is key to a successful partnership and work to agreed service levels to ensure we respond effectively at key points of the claim. See more reasons to choose RS for SME

8 4. FINNCIL STRENGTH ND HERITGE We re the UK s largest commercial insurer, with a heritage stretching back over 300 years. Our solid credit ratings, + Negative from Standard & Poor s and 2 Stable by Moody s, show we ve achieved sustainable, profitable performance in a competitive and challenging market. 5. COMPREHENSIVE RNGE OF ONLINE PRODUCTS s well as our range of SME products, including Mini Fleet, Office, Properties, Shop, Small Business Combined and two new products coming soon, Hotels & Restaurants and Tradespeople & Homeworkers, we also have several specialist products on RS Online. These include Professional Indemnity, ecomputers, and our Marine products: Haulage esolutions, Transit esolutions and Cargo esolutions. 6. CCESS TO SME E-TRDING EXPERTS Our SME e-trading experts provide support in person or by phone, including system demos, coaching, and product and market expertise. If you need help e-trading Office, Shop, Small Business Combined, Properties and Mini Fleet products, speak to your local e-trader to arrange a call or visit.

9 YOUR UESTIONS NSWERED Here are answers to our most frequently asked questions about Mini Fleet... WHY DON T YOU PROVIDE NNUL FOREIGN USE S STNDRD? We know most fleet insurers provide this cover as standard for most vehicle types. However, during extensive customer research we discovered the majority of customers prefer to have the option of selecting this cover if required. This saves customers having to pay hidden costs for a cover they may never use. The minimum legal requirement in all EU countries is provided as standard nnual Foreign Use cover is only necessary where a customer requires the same level of cover as they have in the UK. CN WE DD NY MIXTURE OF VEHICLES? We are currently looking to write only cars, goods carrying vehicles, forklifts and trailers. No more than 50% of the risk should consist of any one of the following types: forklifts, trailers and goods carrying vehicles over 18 tonnes. We can cover goods carrying vehicles subject to these restrictions up to the UK legal limit of 44 tonnes. RE NY TRDES OUTSIDE OF PPETITE? We have a wide trade acceptance in line with the market. Typically, the types of trades we do not have an appetite for are heavy distribution risks or those that involve the carriage of goods or passengers for other firms, for example, haulage, couriers, self-drive hire, taxis and pizza delivery.

10 YOUR UESTIONS NSWERED HOW MNY VEHICLES CN I UOTE FOR ON MINI FLEET? 2 to 15 vehicles at new business and up to 20 at MT and renewal. We can accept a reduction to one vehicle at MT if this is a temporary situation. CN YOU CCEPT COMBINTION OF PREVIOUSLY NCD ND CLIMS EXPERIENCE VEHICLES? Yes, select the predominant previous rating method at policy level and alter this for any vehicles with a different previous rating method. You will also be required to enter claims experience for all vehicles, not just those previously experience rated. WHY WON T RS PROVIDE BLNKET CERTIFICTES ON MINI FLEET? Changes can be made to policy details in real time, which removes the need for blanket certificates. Covernotes can be issued if a customer requires changes and you are unable to make them online at the time. RE YOUNG DRIVERS CCEPTED? Yes. For the majority of vehicles we allow cover for drivers under 25, as long as they are specified. This means their details have to be added to the policy as though they were a named driver. This gives us a better idea of the risk we re quoting for and allows us to price accordingly using specified younger drivers enables us to quote more competitively.

11 YOUR UESTIONS NSWERED HOW CN I DD TEMPORRY DDITIONL VEHICLE (TV)? Our refreshed product allows you to add Temporary dditional Vehicles via RS Online and cturis. To do this, you need to answer yes to the question Is this a temporary vehicle? and add both a start date and an end date to the vehicle. If acceptable, the TV will rate automatically and the customer will be charged a short-term flat-rated premium for the change.

12 rsabroker.com/sme Royal & Sun lliance Insurance plc (No ). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. uthorised by the Prudential Regulation uthority and regulated by the Financial Conduct uthority and the Prudential Regulation uthority. UKC04687

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