LOOKING FOR AN EXTRA REVENUE STREAM? WE VE GOT IT COVERED
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1 LOOKING FOR AN EXTRA REVENUE STREAM? WE VE GOT IT COVERED GI from SBG gives you yet another reason to engage with your customers and broaden your offering
2 2 REASONS WHY YOU SHOULD CONSIDER GI FROM SBG 1. An extra revenue stream with market leading commission 2. A wide choice of products and insurers via one easy to use portal 3. Even more reasons to engage with your customers regularly 4. Helping you to build value in your business by securing recurring income from future renewals 5. Referral service available if you do not want to write the business yourself SBG s GI proposition has been created to make writing General Insurance business quick and simple. You will be able to access all of our GI products under one roof via a single portal allowing you to save time and concentrate on servicing your customer s needs.
3 3 OUR PORTAL OFFERS QUALITY COVER FOR A WIDE RANGE OF RISKS CHOICE A variety of products from a range of leading UK insurers, with Aviva, RSA, Ageas, Towergate, Pinnacle, Jubilee, Allianz, Axa, and more with even more to come! Products include: Buildings and Contents Landlords Insurance Specialist Insurance Accident, Sickness and Unemployment Mortgage Payment Protection Insurance Commercial Insurance EFFICIENCY Access our products through a single portal. A user friendly quote and application system Common Policy wording a flexible product to meet your customer s home insurance needs, reducing the number of policy terms you need to know* VALUE Competitive pricing A new retention tool helping to ensure that your customer always gets the best deal** Market leading commission * Common policy wording on standard building and contents and landlords cover ** Auto re-broke to standard B&C panel products is set at a percentage renewal price increase threshold
4 4 HOME AND CONTENTS INSURANCE Our Home Insurance policies are underwritten by a panel of leading insurers which includes RSA, Aviva Insurance Limited, Ageas Insurance and Towergate, with more to come. The product provides up to 400,000 Buildings Cover and up to 50,000 Contents Cover, as standard, with higher levels of cover available if needed: Key Benefits: The option to pay annually (via Direct Debit or credit*/debit card) or by monthly Direct Debit** A Flexible excess from to help manage premiums and meet customer needs UK based Call Centres and 24 hour Emergency Helpline. Up to 5,000 for tracing and accessing water or oil leaks from pipes, tanks and fixed heating systems A 12 month guarantee on repairs carried out by approved tradesmen Garden contents covered as standard up to 2000 under buildings and 1,500 under contents. Access to a 24-hour helpline provided by DAS Legal Expenses Insurance Company Limited which offers emergency assistance, access to approved tradesmen and legal advice regarding any personal legal problems * Credit Card payments are subject to 1.5% charge ** Subject to APR
5 5 LANDLORDS INSURANCE Our Landlords policy can be tailored to suit your customers individual needs. This flexible approach allows you to recommend the Buildings & Contents Insurance that best protects your customers rental property investments. Key Benefits: Cover for 90 days between tenancies 1 to allow your customers time to remarket their property Cover for a wide range of tenancy arrangements including students, individuals funding their rent through the UK Benefits Agency and properties with multiple occupancy Up to 2,500 for tracing and accessing water or oil leaks from pipes, tanks and fixed heating systems Access to a 24-hour helpline provided by DAS Legal Expenses Insurance Company Limited which offers emergency assistance, access to approved tradesmen and legal advice regarding any personal legal problems. Landlords Price Beater If your customer has more than 10 properties our provider partner Towergate Home and Protect* offer a price beater facility for landlords with property portfolios. If the quote initially provided doesn t already beat your customer s existing premium, you can enter a target price** which they will then beat for eligible customers (based on like for like cover). 1 Please note that if the property is left unoccupied for more than 45 days, a larger excess may apply when making a claim. * Towergate Home and Protect s multi let policies are underwritten by a Royal & Sun Alliance led consortium of let property insurers. ** The current renewal or best alternative price. Terms and Conditions apply
6 6 SPECIALIST HOME INSURANCE Our GI Portal provides access to a panel of leading insurers for high quality insurance for covering more specialist needs. Panel insurers include Axa, Aviva, Ageas and a Towergate consortium. Our Specialist Insurance caters for customers who require cover such as: Non standard buildings and contents High value buildings and contents Thatched buildings and contents Underpinned buildings and contents UK and overseas holiday home Insurance for flood risk areas
7 7 INCOME INSURANCE Our Income Insurance is not tied to a mortgage, loan or other credit agreement, it simply pays out a monthly benefit to help cover your customers essential outgoings if they are unable to work due to accident, sickness, unemployment or leave work to become a full time carer. This is underwritten by Cardif Pinnacle. Key Benefits: Up to 2,000 per month 1 in the event your customer is unable to work due to accident, sickness or unemployment Choice of full ASU, AS or U only cover Carer cover included if your customer needs to stop working to become a full time carer for an immediate family member A monthly benefit which can be used however the customer chooses because cover is not tied to a mortgage or credit agreement Age banded pricing offering a typical customer cover from just 1.27 per day 2 Cover that can be tailored to meet your customer s needs and budgets Peace of mind for your customers for up to 24 months (AS cover) or 12 months (ASU or U cover) Additional support including back to work support and HELP (Health, Employment & Legal Protector) cover for employment and bodily injury claims Subject to not exceeding 65% of the customer s gross monthly income. Gross monthly income is their average monthly salary before tax including any commission and/or bonus payments received (if they are in full-time employment) or the monthly average of their income as declared on their self assessment return for the previous tax year as confirmed by HMRC (if they are self employed). 2 All rates shown are based on a customer who has taken out a new credit agreement, aged taking out our full accident, sickness and unemployment option with 30 day back to day one cover, 12 months benefit, no deferred premium payment period and protecting income of 755 per month (inclusive of Insurance Premium Tax at the current rate).
8 8 MORTGAGE PAYMENT PROTECTION INSURANCE When times are uncertain, people want to feel reassured, safe in the knowledge that they have extra support should they need it. SBG s GI Portal brings two MPPI options to you to help your customers. These are underwritten by Aviva and Jubilee respectively. MortgageProtector Payment Protection Insurance offers financial protection to cover your customers mortgage payments and mortgage related expenditure for up to 24 months 1 should they be unable to work due accident, sickness or unemployment, or if they leave work to become a full time carer (please note for Unemployment only cover we can only offer a maximum 12 month benefit period). Key Benefits: A monthly benefit up to 3,000 2 to pay their mortgage, related insurance costs and up to an additional 33% for other outgoings. Unemployment cover includes carer cover if your customer has to give up work to become a full time carer for an immediate family member. Choice of full ASU, AS or U only cover. Choice of benefit periods of up to 24 months (ASU or AS cover) or 12 months (U cover). Choice of start dates for premium payments (3 or 6 months deferral) although this will result in a higher monthly premium compared to paying from the start of the policy. Commission is payable during the deferral period. 1 MortgageProtector offers ASU and AS cover for up to 24 months, for U only cover is limited to a maximum of 12 months. 2 Subject to not exceeding 75% of the customer s monthly earned income.
9 9 Sesame Insure MPPI offers: Maximum cover 75% of gross monthly income, 125% of mortgage or 2000 (whatever is lower) Options to take cover for; ASU, AS and U only Up to 25% over the mortgage payments for extra financial protection. 3 months free cover. 12 month benefit period Initial 60 day exclusion period for mortgages taken out in the last 30 days (including remortgages) Easy monthly payments by direct debit at no extra cost Backache and stress cover (subject to terms and conditions) Own occupation definition and no underwriting for health, occupation or age. Cover for the self-employed. COMMERCIAL INSURANCE Both of our market leading providers can access insurance for businesses of all types and sizes and typically include: Business Packages (shops, offices, restaurants, pubs, surgeries, hotels and guest houses) Commercial Property Owners Residential Buy to Lets Large Corporate Care Homes Motor Trade and Fleet Contractors Professional Indemnity and Public, Employers, Directors and Offices Liability Commercial Insurance is underwritten by Axa Insurance and Towergate Riskline.
10 10 SAVE THE HASSLE & HAVE YOUR GI WRITTEN FOR YOU If you aren t a frequent writer of GI business or if you need assistance with placing cover for your customer, our dedicated SB Insure service can take any referrals and you can still earn up to 17.5% commission. Introduce your customer to our qualified advisers who will undertake the sale on your behalf We will take on the compliance risk and you will earn commission of up to 17.5% In all cases you retain the relationship with the customer.
11 11 UP TO 17.5% COMMISSION FOR EVERY REFERRAL YOU MAKE Call us now on
12 GET IN TOUCH GET STARTED TODAY AND ENSURE YOUR CUSTOMERS ARE PROTECTED FOR TOMORROW. DIRECTLY AUTHORISED? Call or visit NETWORK? Call or visit Sesame Bankhall Group Limited is a company with registered number Bankhall, PMS and Premier Mortgage Service are trading styles of Bankhall PMS Limited. Bankhall PMS Limited is a company with registered number Sesame Limited is a company with registered number Each of the above companies is registered in England and Wales with registered offices at Pixham End, Dorking, Surrey RH4 1QS. Bankhall PMS Limited and Sesame Limited are authorised and regulated by the Financial Conduct Authority.
To improve your GI sales process we have integrated The Key with our general insurance quote and apply engine the SBG GI Portal.
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