Minifleet - A Beginner's Guide

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1 The key to doing more business online.

2 DEDICATED SUPPORT TEAM DESIGNED BY BROKERS INSTANT DOCUMENTS EASIER COMMISSION FLEXIBILITY DEDICATED SUPPORT TEAM BEST PRICE ONLINE FULL CYCLE EASIER INSTANT DOCUMENTS MULTIPLE VEHICLE TYPES BEST PRICE ONLINE FULL CYCLE QUICKER SLICKER INSTANT DOCUMENTS PREMIUM FLEXIBILITY NCD EASIER RATED FULL DESIGNED CYCLE BY BROKERS FLEET RATED DEDICATED FULL CYCLE SUPPORT TEAM BEST PRICE ONLINE EASIER MULTIPLE VEHICLE TYPES DEDICATED SUPPORT TEAM

3 Your guide to racing through more quotes with Minifleet online. Minifleet is the first of our Fast Trade products to be designed by brokers for brokers. Not only that, Fast Trade has been voted (by brokers) as the Best e-trading Portal and Service Support in the Insurance Age Sentiment Survey Leading the online revolution and making sure that you re fully involved is all part of our commitment to being number 1 for brokers. With premium and commission flexibility, our best pricing and instant documentation at your fingertips, plus the facility to do your mid-term adjustments and renewals, there s never been a better time to trade with Aviva. This is your guide to Minifleet and will help you make the most of what this new product can do. Put Minifleet through its paces at aviva.co.uk/broker/quickerslicker

4 Minifleet is the fast lane for brokers. As Minifleet has been designed for online trading, it assists you at every stage and helps accelerate your business processes. That, combined with our best prices online, can help to shift your profits up a gear too. Minifleet delivers a great package: Our most competitive pricing available online Response time for referrals within 60 minutes Commission adjustment now available 10% premium adjustment on all quotes Live Chat facility for real-time assistance No admin fee for transactions Variable policy excess Any business written online will count towards your deal with us if you have one.

5 Policy Basics 3-12 vehicles, at quote stage, with the option of adding up to 18 vehicles throughout the term of insurance. Fleets can comprise of Private Cars, Goods Carrying Vehicles, Special Types and Agricultural Vehicles. Unlike our manual process, no mixture of vehicles is required e.g. a fleet can comprise of entirely Private Cars or Goods Carrying Vehicles. *NB: No more than 50% of the fleet can be comprised of Special Types. Goods Carrying Vehicles are acceptable. No more than two Goods Carrying Vehicles over 7.5 tonnes. Maximum weight limit of 44 tonnes. Company-owned and Director-owned Fleets are acceptable (excludes under 21s). We can insure Directors who have a legal responsibility for the company if they are named as a joint Policyholder. This then enables their own vehicles(s) to be included. Attached Trailer Cover available as standard for all vehicle types. See FAQs for details. Flat rate of 3% on Direct Debit unless an alternative arrangement exists. No Under 21s (any driver options of 21 and over; 25 and over; and 30 and over).

6 Policy Basics (cont) Registration search for Private Car and Goods Carrying Vehicles. Alternatively a quote can be obtained without a registration using the VIN or by entering TBA. Registration search for Private Car and Goods Carrying Vehicles. Alternatively a quote can be obtained without a registration using the VIN or by entering TBA. NCD or claims experience can be uploaded during the quote process or after going-on cover. NCD rated and Fleet rated risks can be included. Risk Management initiatives are available. Individual driver names not required (except for those with serious convictions). Temporary Vehicles can be processed online. Up to 3 years claims experience can be submitted, which you will need to upload and send to us electronically. We are willing to go on cover before seeing proof and will allow you 14 days to provide details. After this time, we ll review the policy and consider stepping-back discount or coming-off cover.

7 Extras RAC Breakdown Cover is available European Cover Uninsured Loss Recovery Point of sale documents Blanket Certificates. Protecting Assets Courtesy Car Cover is available as an additional benefit where the vehicle is a car or van (up to 7.5 tonnes GVW) and cover is either Comprehensive or Third Party Fire and Theft. Following damage to a vehicle which is covered under the policy, we ll provide a courtesy car for the duration that the vehicle is being repaired by an Aviva approved repairer. For cars less than 12 months old or goods carrying vehicles less than 6 months old that are stolen or damaged beyond repair, we ll provide a new replacement vehicle. This is only available if Comprehensive cover has been selected or for Fire and/or Theft claims, where Third Party Fire and Theft cover has been selected. Minifleet provides cover for trailers whilst attached to the vehicle on the same basis as the towing vehicle.

8 We don t write the following: We re interested in writing a wide range of risks online, but there are a few that we don t cover: Unacceptable occupations include footballers (English Premier League, Championship and Scottish Premier Clubs), pop stars, film/tv stars and professional sportsperson/ entertainers/models. Loan or hire of vehicles or carriage of passengers listed above plus USA/Canadian nationals and top management of FTSE 100 companies. Hazardous goods or business based at and/or majority of vehicle exposure in restricted areas at hazardous locations to which the general public are not permitted, i.e. airside or trackside. Emergency response vehicles. Labour supply businesses not licensed under the Gangmasters (Licensing) Act (2004). If you have any doubt regarding placement of a risk with us, either online or via an underwriter, call your usual trading unit or Bonus Account Exec.

9 FAQs Q: Why have you only issued a 60 day certificate? A: A 60 day certificate has been issued because we haven t yet validated your documentary evidence of the clients NCD proof or Claims Experience. Once received and validated, we ll release the 12 month certificate. Q: How long do I have to provide proof of NCD or Fleet Experience if I m unable to provide this at the point of going-on cover? A: We can go on cover without seeing NCD proof or Fleet Experience, although proof is required within 14 days of going-on cover. Q: How do I provide you with proof of NCD or Fleet Experience? A: At the end of each quote and after the premium had been returned, you ll see the option to upload Claims Experience or NCD proof. The same link appears when going on cover. And finally after going on cover, you can access the link under the Find Client section and by clicking on History. The process works in the same way as uploading an attachment using Microsoft. Q: Where the risk has been previously either NCD or Claims Experience rated how much documentary evidence do I need to obtain? A: Our minimum requirement is to be given documentary evidence of NCD entitlement or Claims Experience (as applicable) for the current year.

10 FAQs (cont) Q: Is evidence of NCD entitlement acceptable by a telephone call to the previous insurer? A: Yes. This is acceptable provided that this is received in writing on your companyheaded paper and the following information is included: Insurance company name; policy number; expiry / cancellation date; NCD earned (in years); vehicle registration number to which the NCD relates; whether any claim(s) reported (yes or no) if yes, provide details; type of policy (e.g. Private Car); name of person called and telephone number called. Q: There has been more than one insurer in the current year. Who should be recorded as the current insurer? A: Previous insurer Unknown is available at the Quotation stage only. When a quotation is converted to New Business, the identity of the previous insurer must be accurately recorded. For previously NCD rated risks, where there s been more than one insurer, the name of the predominant insurer should be recorded. If not listed, try recording the name of the next predominant insurer. Where none of the previous insurers appear on the list, record as Unlisted. For Claims Experience rated risks, the identity of the previous insurer should always be known. However, if the name of the previous insurer is not on the list, record as Unlisted.

11 FAQs (cont) Q: How long does the quotation remain on the system? A: It will remain on the system for 60 days. Please note, that if there are any changes to the quotation information, this may change the rate, for example the date of inception or other material fact. Q: When using the registration search if I am unable to find the vehicle I am looking for, what should I do? A: Firstly check you have used the correct format for the registration number. If a match isn t found select Make Model Search and enter the vehicle details manually. You still need to enter the registration number. Q: The registration search does not appear for Goods Carrying Vehicles over 3.5 tonnes. Why is this? A: Our vehicle lookup facility doesn t store details for vehicles over 3.5 tonnes therefore these need to be entered manually as outlined in the process above. Q: My client doesn t know the registration number of their vehicle. Can I still get a quote? A: Yes. You can enter TBA in the registration field and input vehicle details manually. You ll need to include details of the registration number before going on cover in order for us to update the Motor Insurers Database.

12 FAQs (cont) Q: What is Aviva s stance on Directors Owned Vehicles? A: Vehicles owned by employees, Directors and/or Directors wives/husbands/partners are specifically excluded. If the Director wishes to be named as a joint Policyholder we can insure their own vehicle. Please note this applies to the Directors vehicle only. Q: What is Aviva s stance on Family Fleets? A: We ve reviewed our online product offering and after engagement with a number of brokers, we feel that our Personal Best product is better suited for a risk of this nature. For details visit: Q: Does reference to leased Motor Vehicles in the Description of Vehicles of the Certificate of Motor Insurance include long-term leased vehicles? A: Yes. We ll cover any vehicle leased to our Policyholder under a short or long-term leasing arrangement. Q: Can I process temporary additional vehicles online? A: Yes. You can add temporary vehicles for up to 30 days. Anything beyond this will need adding as a permanent vehicle and then removed when cover is no longer required. Q: Can I add a named driver under the age of 21? A: No. Our online product is solely for drivers aged 21 and above. If your client needs cover for younger drives, then please contact your local Aviva team.

13 FAQs (cont) Q: How do I insure a trailer? A: Trailers are covered as standard on the policy. There s a difference in cover between attached and detached trailers. Please note that you need to include the value of the trailer in the vehicle value. i) Attached to a Vehicle The cover applying to the towing vehicle will apply to the trailer all vehicle types. ii) Detached Private Car and/or Goods Vehicle trailers get Comprehensive cover when detached (providing Comprehensive cover is operative for at east one of the vehicles). A 250 Theft excess applies. Attachments are regarded as trailers in respect of Special Types and are also covered for Comprehensive (with same condition). No Detached cover applies to Agricultural Vehicles.

14 Test drive Minfleet today You can see a broker s view and start trading at aviva.co.uk/broker/quickerslicker Contact Us For underwriting queries: Please contact the Commercial Online Underwriting Team on and select option 1 for Motor. For technical system queries: Please contact the Aviva Broker Online Support Team on

15 Minifleet product comparison New Business Vehicles 5 to 15 2 to 15 3 to 12 Mid Term Adjustment Vehicles 5 to 15 2 to 20 3 to 18 Standard Commission 10% 10% 10% Variable Commission 0-15% 0-15% 0-15% Cars Yes Yes Yes Vans Yes Yes Yes Trucks <18 tonnes Cover only 50% of any risk >18 tonnes No more than 2 vehicles between 7.5 tonnes and 44 tonnes Trailers Yes Yes Yes Special Types None Forklifts Level of Cover Comprehensive Third Party or Comprehensive Most Special Types and Most Agricultural Vehicles Laid Up Fire & Theft, Laid Up Accidental Damage, Fire & Theft, Third Party, Third Party Fire & Theft or Comprehensive Vehicles registered in Director s name Yes Yes Yes Basis of Rating NCD or Fleet NCD or Fleet NCD or Fleet Drivers Any driver 21+ Any driver <25 must be specified, all drivers must be named for high group vehicles with age restrictions Any driver 21+

16 Minifleet product comparison (cont) No Appetite for Heavy Distribution, Haulage, Couriers, Self-drive Hire, Fast Food Delivery, Furniture Removals Heavy Distribution, Haulage, Couriers, Self-drive Hire, Fast Food Delivery, Furniture Removals Haulage/Hire & Reward. Haz goods or premises. Extensive foreign use. Self-drive Hire, High profile passengers and/or occupations Competitive on Fleets predominantly private cars, Commercial Vehicles (Car-derived Vans) <2 tonnes 2-6 Vehicle Fleets, Risks predominantly cars, Risks with no drivers <25, Risks with named drivers Fleet-rated risks, predominantly cars. Special Types. Risks with no drivers <25 Breakdown Provider None Europe Assist RAC Audio & Satellite Equipment Unlimited if fitted at the time of manufacture < 750 Covered as part of the vehicle where Comprehensive cover taken Personal Effects < 250 < 150 Medical Expenses < 250 < 200 < 250 (increased to 350 if Breakdown Cover applies) Up to 250 (increased to 350 if Breakdown Cover applies) Replacement Locks Cost of Replacement < 1000 Cost of Replacement Courtesy Vehicles 14 days free rental Cars/Vans For duration of repair when using Aviva Approved Repairer, where vehicle is either Car (not Minibus) or LGV up to 3.5 GVW Glass Cost of repair/replacement Cost of repair when using approved repairer. If not 150 limit Cost of repair/replacement. An excess doesn t apply for repairs Contents of table correct as of June 2012 Any questions or feedback? Just speak to your Aviva business development manager or us etrading@aviva.co.uk