EXAMPLE CLAIMS REVIEW REPORT
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1 [POLICYHOLDER] [POLICY NO]: EXAMPLE CLAIMS REVIEW REPORT REPORTING PERIOD YEARS OF ACCOUNT (as at 20 th July 2007) QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no ( QIEL ), QBE Underwriting Limited, no ( QUL ), QBE Management Services (UK) Limited, no ( QMSUK ) and QBE Underwriting Services (UK) Limited, no ( QSUK ), whose registered offices are at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD. All four companies are incorporated in England and Wales. QIEL and QUL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd s managing agent. QMSUK and QSUK are both Appointed Representatives of QIEL and QUL.
2 Contents COMMENTARY APPENDIX 1 EXECUTIVE SUMMARY APPENDIX 2 LARGE LOSS SUMMARY APPENDIX 3 CLAIMS DETAIL BY DRIVER/DRIVER AGE APPENDIX 4 CLAIMS DETAIL BY ACCIDENT CATEGORY APPENDIX 5 CLAIMS DETAIL BY TOTAL COST APPENDIX 6 INDIVIDUAL CLAIMS LISTINGS
3 Commentary Appendix 1. Appendix 2. Appendix 3. Appendix 4. Appendix 5. Appendix 6. Providing an overview of the performance to date, detailing core information. Shows details of larger losses, where the paid and outstanding exceeds 10,000 Provides details of drivers who have been involved in 2 or more accidents and we have also provided an analysis by age. Highlighting the incidents which have resulted in the majority of claims expenditure. Illustrates the claims experience by total cost showing the frequency and percentage of the overall cost. Provides a summary of all the claims reported and upon which this report is based. There have been: Three losses of a total cost of 10,000 or more in the 2004/2005 period of insurance Two losses of a total cost of 10,000 or more in the 2005/2006 period of insurance Five losses of a total cost of 10,000 or more in the 2006/2007 period of insurance. The largest loss in the 2004/2005 period of insurance (claim number JBA L) accounts for 29% of total cost of the claims. The largest loss in the 2005/2006 period of insurance (claim number JBA G) accounts for 26% of total cost of the claims. The largest loss in the 2006/2007 period of insurance (claim number JBA H) accounts for 13% of total cost of the claims. Number of days delay in reporting incidents Year Days Delay Benefit will be gained from the very early reporting of all new incidents allowing QBE to have more control over the cost of own damage (AD) and third party (TP) claims. Claim reporting within the first 24 / 48 hours to QBE should be encouraged
4 Appendix 1 Executive Summary
5 Executive Summary Year Total Vehicle Years No. of Claims Accident Frequency 48% 61% 64% 58% Claims Cost 133, , , ,187 Cost Per Claim Cost Per Vehicle 2,610 2,474 2,836 2,645 1,262 1,509 1,811 1,521 Accident Frequency / Claims Cost Per Vehicle Accident Frequency (%) Years 2,000 1,500 1, CCPV ( ) Accident Frequency Claims Cost Per Vehicle
6 Appendix 2 - Large Loss Summary
7 LARGE LOSS SUMMARY YEAR Claim Number Accident Date Driver Amount Comment JBA L (Open) Hudd K 38,305 Multiple vehicle accident. A Third Party (TP) car at the head of a row of traffic stopped and the following transit van struck it in the rear. We then collided with the rear of the transit van. We have received claims from the transit van driver for the repair of his vehicle and whiplash injuries sustained. Evidence suggests we are not fully liable for damages to the transit van and injuries sustained however negotiations with TP solicitors continue. CJL D (Closed) Crew N 18,734 Insured vehicle overturned on roundabout causing damage to a lamp post and the crash barrier. Our vehicle was written off in this accident. CDG Q (Closed) Wilcox V 15,277 Insured vehicle pulled out from a side road and collided with a Third Party Motorcycle. The motorcyclist suffered a broken leg. LARGE LOSS SUMMARY YEAR Claim Number Accident Date Driver Amount Comment JBA G (open) Court W 38,050 Insured vehicle collided with a Third Party vehicle as the Insured driver changed lanes on the M25. Whiplash claims and claims for psychiatric injuries from the TP driver and his two passengers are all under continuing negotiation.
8 LARGE LOSS SUMMARY YEAR (Continued) Claim Number Accident Date Driver Amount Comment CYB N (Open) Jones A 19,470 Insured vehicle pulled out from a side road and collided with a Third Party Mercedes. TP car hire costs are considerable and are the subject of further negotiation. LARGE LOSS SUMMARY YEAR Claim Number Accident Date Driver Amount Comment JBA H (Open) Williams R 23,976 Insured collided with the rear of a Third Party vehicle on the M5 motorway. Whiplash claims have been submitted from both the TP driver and his passenger. LDL L (Open) Perrett R 18,248 Changing Lanes accident in which Insured driver caused a Third Party car to collide with the central reservation as we moved over. The TP car then swerved across the road and collided with a TP Lorry travelling in the inside lane. The TP car passenger has suffered whiplash type injuries and an element of post traumatic stress disorder. MBA J (Closed) Kerton D 12,954 Insured vehicle (Mercedes) struck parked / stationary vehicle. Own damage claim concluded and no TP claim to consider MBA Q (Open) Wakefield T 12,629 Insured vehicle reversed into TP wall. Investigations into quantum continuing with TP loss adjusters
9 LARGE LOSS SUMMARY YEAR (Continued) Claim Number Accident Date Driver Amount Comment MBA X (Closed) Crew N 12,577 Insured reversing caused immobile property damage. Own damage and TP claims settled earlier this year
10 Appendix 3 - Claims Detail by Multiple Offender / Driver Age
11 Drivers with Multiple Accidents 2004 YEAR Name Number of Accidents Total Cost Akkurt R 2 8,930 Honeybun R 2 2,449 Hudd K 2 38,948 Parfitt S 2 2,781 Sinnott M 2 1,920 Smith P 2 1,131 Wilcox V 2 15,259 Yates D 2 1, YEAR Name Number of Accidents Total Cost Ansell B 2 1,623 Bown K 2 50 Court W 2 38,800 Crew N 3 3,002 Kent T Mead C 2 1,310 Perrett R 3 15,192 Person D 2 2,623 Sinnott M 2 1,070 Unknown YEAR Name Number of Accidents Total Cost Burge M 2 4,768 Crew N 2 13,826 Crook D 3 6,463 Gilham R 2 2,855 Glassenbury F 2 5,667 Lane S 5 3,668 Mill D Perrett R 2 20,053 Sinnott M 2 6,574 Tiley C 3 4,266 Unknown N Crew 5 incidents in last 2 years of account R Perrett 5 Incidents in last 2 years of account M Sinnott 6 Incidents in last 3 years of account
12 Analysis by Driver Age Category No. Cost No. Cost No. Cost Under , , , , , , , , , , , , , , ,431 Unknown 7 35, , ,529 Cost of Losses 80% 70% 60% 50% 40% 30% 20% 10% 0% Under Unknown Number of Claims Under Unknown
13 Appendix 4 - Claims Detail By Accident Category
14 Analysis by Accident Categories Accident Category No. Cost No. Cost No. Cost Ran into rear of TP 4 41, , ,148 Hit immobile property 10 24, , ,302 Insured from side road 2 15, Hit whilst parked 3 10, ,745 Reversed into TP 5 9, , ,472 Hit parked TP 9 9, , ,389 Insured pulling out , ,000 Changing lanes , ,140 Other 16 21, , ,444 Hit Immobile Property 38 Incidents Incurred Cost 75,162 Hit Parked Third Party 37 Incidents Incurred Cost 76,072 Changing Lanes 9 Incidents Incurred Cost 68,629 Cost of Losses 35% 30% 25% 20% 15% 10% 5% 0% Ran into rear of TP Hit immobile property Insured from side road Hit whilst parked Reversed into TP Hit parked TP Insured pulling out Changing lanes Other Number of Claims Ran into rear of TP Hit immobile property Insured from side road Hit whilst parked Reversed into TP Hit parked TP Insured pulling out Changing lanes Other
15 Appendix 5 - Claims Detail By Total Cost
16 Analysis by Total Cost Total Cost No. Cost No. Cost No. Cost Non Fault / No Claim ,954 up to 1, , , ,605 1,001-2, , , ,285 2,001-5, , , ,222 5,001-10, , , ,145 10, , , ,430 Cost of Losses 60% 50% 40% 30% 20% % 0% Non Fault / No Claim up to 1,000 1,001-2,000 2,001-5,000 5,001-10,000 10,000+ Number of Claims Non Fault / No Claim up to 1,000 1,001-2,000 2,001-5,000 5,001-10,000 10,000+
17 Analysis by Blame Category No. Cost No. Cost No. Cost Fault 33 83, , ,399 Outstanding 7 49, , ,288 Non Fault ,954 No Claim Cost of Losses 80% 70% 60% 50% 40% 30% 20% 10% 0% Fault Outstanding Non Fault No Claim Number of Claims Fault Outstanding Non Fault No Claim
18 Appendix 6 - Individual Claims Listings
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