One size doesn t fit all

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1 One size doesn t fit all

2 Size counts

3 What does a two-truck operation have in common with a 62-vehicle fleet? Of course there are similarities, but there are some fundamental differences. We understand those differences and have tailored our insurance packages to meet the specific needs of each segment in the transport industry. So when we say size counts, we mean no matter how big or how small, every transport operator deserves a different, targeted solution.

4 Serving Brokers The transport industry has always been a special area of interest and focus for us. As a result we ve built up an impressive bank of expertise that is unmatched by any of our competitors. It s a leadership position that we have worked hard to earn through developing strong networks, creating new products and services and continually growing our capability. The key continues to be our industry connections which allow us to get inside the industry s head to fully understand its issues and respond to them with practical and easy-to-use solutions. Now we ve gone a step further. We have repackaged our insurance offer for the transport industry to meet the needs of four distinct segments. It stands to reason that if each segment has a different organisational profile and access to resources, they should be treated differently. The components of the offer are designed to be accessible, affordable and relevant. And as a package, our offer puts as much emphasis on accident prevention as it does on policies and dealing with claims. All this is something that needs to work for you. We want to help you grow your business, so if there is something that doesn t work let us know and we ll do something about it. Contents: One size does not fit all. So we have provided you with a kit that includes tear-out fact sheets that you can give to your clients. Small Medium Large Extra large 1-4 vehicles 5-15 vehicles vehicles 51+ vehicles Vehicle = powered units involved in cartage

5 Small 1-4 vehicles

6 Running Out? Need to reorder additional tear-out sheets? 1. Call your Lumley Account Manager or 2. Visit for downloadable pdfs to print or 3. us at

7 Small 1-4 vehicles Lumley goes way back. We ve been operating in New Zealand since 1937 and are specialists in providing insurance for the transport industry. We re the most experienced and knowledgeable insurance provider in your sector and continue to build on our capability. Our risk managers, assessors, underwriters and claims people work together physically and as a team so we can meet your requirements effectively and efficiently. The key thing for us is to understand the issues that you have to deal with on a day-to-day basis which is why we support a number of your industry organisations 12 at last count. This has been a long-term commitment, because we see ourselves as being part of your industry. We ve now bundled our insurance products and services based on company size. There are four sizes, each designed to be relevant and practical to different scales of operations. However, the potential end results will be the same for each of you fewer accidents, safer driver environment, lower costs, improved productivity and increased profits. Your business is absolutely vital to the New Zealand economy and that s something we want to contribute to by helping you to become a more successful company. And the benefits to you Lumley s products go beyond insurance, to also include a range of preventative tools, which means the benefits will be experienced right across your business. And yes there is more. We take a fair-minded approach to our pricing, so that premiums are based on your actual risk, not the activities of high-risk clients. Our combined products represent a complete transport package, so you need only one insurance provider. And we will provide you with a high-quality customer experience, fast service delivery and total reassurance.

8 Small 1-4 vehicles Offer What does it mean? Benefits for you Differentiated rating Your premiums will reflect the performance of the type of vehicle you use and are also based on the work you perform Our pricing is tailored to the size of your business Fair pricing for you which is based on your actual risk Torque Data An online fleet management system that enables you to monitor your vehicle fleet performance This includes recording and maintaining vehicle and staff details and crash and incident frequency rates Top pak An all-in-one bundled insurance product which combines all the insurance cover that you will need as a Transport Operator Through better management of risk, you will reap the rewards through improved operational efficiency and an improved bottom line. Because Torque Data: Helps to minimise your risk as you will know more about your driver performance Helps improve cost management by reducing repairs, costs and frequency Provides you with a staff management facility Reports any claims directly to Lumley making the process much smoother for you Information gathered enables Lumley to tailor a Fleet Risk Management programme specifically for your business A dedicated transport operator insurance package Provides you with seamless insurance cover with no gaps CoverClass guarantees you get the most comprehensive policy wording in the market Crash Scene Assistance service /7 crash assistance service For heavy haulage only One call takes all the hassle away from you or your drivers, takes care of sending the right tow truck and arranging the clean up to initiating the assessment process The right tow truck for the right vehicle at the right time Help any time of the day or night Road clean-up and vehicle salvage It gets you back on the road faster Provides support for the driver involved Subsidised in-vehicle camera A unique safety awareness and management tool Reduces collisions caused by unsafe driving behaviour Reduces fuel expenses caused by aggressive driving Reduces maintenance costs (tyres/brakes etc) Provides access to unbiased evidence to determine fault and settle claims Lower insurance costs due to reduced claims and direct bottom line savings to your business Self- Assessment Fleet Risk Management Premium Funding Complete a Self Assessment Fleet Risk Management form and the outcome of the assessment could mean you are provided with a toolkit of resources for use in your business eg: How to do reference checks for staff Written resources will also be available once the self assessment has been completed Torque Fleet Risk Management support and advice can be offered if needed A loan facility so you can spread the cost of your insurance premium over convenient instalments A free service which provides you with access to a suite of risk management resources Improves processes and organisational efficiency for your business Gives you improved knowledge of these aspects of your business Premiums can be spread over monthly, quarterly or half-yearly instalments Interest is tax deductible Useful as an additional line of credit There is a single monthly direct debit payment for all policies funded No bricks and mortar security is required Contact your broker for additional information and for further advice.

9 Medium 5-15 vehicles

10 Running Out? Need to reorder additional tear-out sheets? 1. Call your Lumley Account Manager or 2. Visit for downloadable pdfs to print or 3. us at

11 Medium 5-15 vehicles Lumley goes way back. We ve been operating in New Zealand since 1937 and are specialists in providing insurance for the transport industry. We re the most experienced and knowledgeable insurance provider in your sector and continue to build on our capability. Our risk managers, assessors, underwriters and claims people work together physically and as a team so we can meet your requirements effectively and efficiently. The key thing for us is to understand the issues that you have to deal with on a day-to-day basis which is why we support a number of your industry organisations 12 at last count. This has been a long-term commitment, because we see ourselves as being part of your industry. We ve now bundled our insurance products and services based on company size. There are four sizes, each designed to be relevant and practical to different scales of operations. However, the potential end results will be the same for each of you fewer accidents, safer driver environment, lower costs, improved productivity and increased profits. Your business is absolutely vital to the New Zealand economy and that s something we want to contribute to by helping you to become a more successful company. And the benefits to you Lumley s products go beyond insurance, to also include a range of preventative tools, which means the benefits will be experienced right across your business. And yes there is more. We take a fair-minded approach to our pricing, so that premiums are based on your actual risk, not the activities of highrisk clients. Our combined products represent a complete transport package, so you need only one insurance provider. And we will provide you with a high-quality customer experience, fast service delivery and total reassurance.

12 Medium 5-15 vehicles Offer What does it mean? Benefits for you Differentiated rating Your premiums will reflect the performance of the type of vehicle you use and are also based on the work you perform Our pricing is tailored to the size of your business Fair pricing for you which is based on your actual risk Torque Data An online fleet management system that enables you to monitor your vehicle fleet performance This includes recording and maintaining vehicle and staff details and crash and incident frequency rates Top pak An all-in-one bundled insurance product which combines all the insurance cover that you will need as a Transport Operator Through better management of risk, you will reap the rewards through improved operational efficiency and an improved bottom line. Because Torque Data: Helps to minimise your risk as you will know more about your driver performance Helps improve cost management by reducing repairs, costs and frequency Provides you with a staff management facility Reports any claims directly to Lumley making the process much smoother for you Information gathered enables Lumley to tailor a Fleet Risk Management programme specifically for your business A dedicated transport operator insurance package CoverClass guarantees you get the most Provides you with seamless insurance cover with no gaps comprehensive policy wording in the market Crash Scene Assistance service /7 crash assistance service For heavy haulage only One call takes all the hassle away from you or your drivers, takes care of sending the right tow truck and arranging the clean up to initiating the assessment process The right tow truck for the right vehicle at the right time Help any time of the day or night Road clean-up and vehicle salvage It gets you back on the road faster Provides support for the driver involved Subsidised in-vehicle camera A unique safety awareness and management tool Reduces collisions caused by unsafe driving behaviour Reduces fuel expenses caused by aggressive driving Reduces maintenance costs (tyres/brakes etc) Provides access to unbiased evidence to determine fault and settle claims Lower insurance costs due to reduced claims and direct bottom line savings to your business Premium Funding Free Torque Fleet Risk Management Safety Assessment A loan facility so you can spread the cost of your insurance premium over convenient instalments An assessment from one of our Torque Fleet Risk Management experts Face to face training for you and your staff We will undertake a full fleet risk management review Premiums can be spread over monthly, quarterly or halfyearly instalments Interest is tax deductible Useful as an additional line of credit There is a single monthly direct debit payment for all policies funded No bricks and mortar security is required This can help to reduce accidents and incidents Can reduce costs and downtime You will receive assistance in identifying management systems, policies and procedures Assistance with ACC Work Safety Management Practices (WSMP) audit standards Discounted Accident Risk Management profiling Accident Risk Management (ARM) is a survey which provides insight into an individuals attitude towards: Safety Avoiding risk Stress Driving and quality Helps to select better quality staff Can help you to reduce your accident and incident rate keeping your trucks on the road Contact your broker for additional information and for further advice.

13 Large vehicles

14 Running Out? Need to reorder additional tear-out sheets? 1. Call your Lumley Account Manager or 2. Visit for downloadable pdfs to print or 3. us at

15 Large vehicles Lumley goes way back. We ve been operating in New Zealand since 1937 and are specialists in providing insurance for the transport industry. We re the most experienced and knowledgeable insurance provider in your sector and continue to build on our capability. Our risk managers, assessors, underwriters and claims people work together physically and as a team so we can meet your requirements effectively and efficiently. The key thing for us is to understand the issues that you have to deal with on a day-to-day basis which is why we support a number of your industry organisations 12 at last count. This has been a long-term commitment, because we see ourselves as being part of your industry. We ve now bundled our insurance products and services based on company size. There are four sizes, each designed to be relevant and practical to different scales of operations. However, the potential end results will be the same for each of you fewer accidents, safer driver environment, lower costs, improved productivity and increased profits. Your business is absolutely vital to the New Zealand economy and that s something we want to contribute to by helping you to become a more successful company. And the benefits to you Lumley s products go beyond insurance, to also include a range of preventative tools, which means the benefits will be experienced right across your business. And yes there is more. We take a fair-minded approach to our pricing, so that premiums are based on company performance, not just an average of the industry. Our combined products represent a complete transport package, so you need only one insurance provider. And we will provide you with a highquality customer experience, fast service delivery and total reassurance.

16 Large vehicles Offer What does it mean? Benefits for you Torque Data An online fleet management system that enables you to monitor your vehicle fleet performance This includes recording and maintaining vehicle and staff details and crash and incident frequency rates Through better management of risk, you will reap the rewards through improved operational efficiency and an improved bottom line. Because Torque Data: Helps to minimise your risk as you will know more about your driver performance Helps improve cost management by reducing repairs, costs and frequency Provides you with a staff management facility Reports any claims directly to Lumley making the process much smoother for you Information gathered enables Lumley to tailor a Fleet Risk Management programme specifically for your business Crash Scene Assistance service /7 crash assistance service For heavy haulage only One call takes all the hassle away from you or your drivers, takes care of sending the right tow truck and arranging the clean up to initiating the assessment process The right tow truck for the right vehicle at the right time Help any time of the day or night Road clean-up and vehicle salvage It gets you back on the road faster Provides support for the driver involved Subsidised in-vehicle camera A unique safety awareness and management tool Reduces collisions caused by unsafe driving behaviour Reduces fuel expenses caused by aggressive driving Reduces maintenance costs (tyres/brakes etc) Provides access to unbiased evidence to determine fault and settle claims Lower insurance costs due to reduced claims and direct bottom line savings to your business Discounted Accident Risk Management profiling Modelled premium rating Premium options Dedicated claims team Accident Risk Management (ARM) is a survey which provides insight into an individuals attitude towards: Safety Avoiding risk Stress Driving and quality We will rate risk based on individual performance The bigger your business the more performance influences the premium rates you pay Moving away from book rates We can offer tailored premium solutions to meet your business needs You can be rest assured that a dedicated claims team will always work on your claims Helps to select better quality staff Can help you to reduce your accident and incident rate keeping your trucks on the road Clearly shows value ie performance improvement will reduce your risk You have the opportunity to influence your premium outcomes Provides you with increased flexibility Will provide you with optimal service delivery because we will have intrinsic knowledge of your business needs Contact your broker for additional information and for further advice.

17 Extra large 51+ vehicles

18 Running Out? Need to reorder additional tear-out sheets? 1. Call your Lumley Account Manager or 2. Visit for downloadable pdfs to print or 3. us at

19 Extra large 51+ vehicles Lumley goes way back. We ve been operating in New Zealand since 1937 and are specialists in providing insurance for the transport industry. We re the most experienced and knowledgeable insurance provider in your sector and continue to build on our capability. Our risk managers, assessors, underwriters and claims people work together physically and as a team so we can meet your requirements effectively and efficiently. The key thing for us is to understand the issues that you have to deal with on a day-to-day basis which is why we support a number of your industry organisations 12 at last count. This has been a long-term commitment, because we see ourselves as being part of your industry. We ve now bundled our insurance products and services based on company size. There are four sizes, each designed to be relevant and practical to different scales of operations. However, the potential end results will be the same for each of you fewer accidents, safer driver environment, lower costs, improved productivity and increased profits. Your business is absolutely vital to the New Zealand economy and that s something we want to contribute to by helping you to become a more successful company. And the benefits to you Lumley s products go beyond insurance, to also include a range of preventative tools, which means the benefits will be experienced right across your business. And yes there is more. We take a fair-minded approach to our pricing, so that premiums are based on company performance, not just an average of the industry. Our combined products represent a complete transport package, so you need only one insurance provider. And we will provide you with a highquality customer experience, fast service delivery and total reassurance.

20 Extra large 51+ vehicles Offer What does it mean? Benefits for you Torque Data An online fleet management system that enables you to monitor your vehicle fleet performance This includes recording and maintaining vehicle and staff details and crash and incident frequency rates Through better management of risk, you will reap the rewards through improved operational efficiency and an improved bottom line. Because Torque Data: Helps to minimise your risk as you will know more about your driver performance Helps improve cost management by reducing repairs, costs and frequency Provides you with a staff management facility Reports any claims directly to Lumley making the process much smoother for you Information gathered enables Lumley to tailor a Fleet Risk Management programme specifically for your business Crash Scene Assistance service /7 crash assistance service For heavy haulage only One call takes all the hassle away from you or your drivers, takes care of sending the right tow truck and arranging the clean up to initiating the assessment process The right tow truck for the right vehicle at the right time Help any time of the day or night Road clean-up and vehicle salvage It gets you back on the road faster Provides support for the driver involved Subsidised in-vehicle camera A unique safety awareness and management tool Reduces collisions caused by unsafe driving behaviour Reduces fuel expenses caused by aggressive driving Reduces maintenance costs (tyres/brakes etc) Provides access to unbiased evidence to determine fault and settle claims Lower insurance costs due to reduced claims and direct bottom line savings to your business Modelled premium rating Discounted Accident Risk Management profiling Opportunity to join the Benchmark Club Fleet Risk Manager presentations Subsidised Torque Fleet Risk Management Review We will rate risk based on individual performance The bigger your business the more performance influences the premium rates you pay Moving away from book rates Accident Risk Management (ARM) is a survey which provides insight into an individuals attitude towards: Safety Avoiding risk Stress Driving and quality By invitation only Join a group of selected clients who feed information into a central database Share knowledge across top transport operators The information identifies the best practice in the industry One of our expert Fleet Risk Managers will attend your driver meetings to provide helpful advice A full business review from one of our Torque Fleet Risk Management experts Face to face training for you and your staff Clearly shows value ie performance improvement will reduce your risk You have the opportunity to influence your premium outcomes Helps to select better quality staff Can help you to reduce your accident and incident rate keeping your trucks on the road Your business will have access to benchmark analysis and support database Provides you with the opportunity to assess your performance against your peers Can help you to identify best practice standards for your business and define strategies for improvement This can help to reduce accidents and incidents Can reduce costs and downtime You will receive assistance in identifying management systems, policies and procedures Assistance with ACC Work Safety Management Practices (WSMP) audit standards Contact your broker for additional information and for further advice.

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