What is Equity Insurance?

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2 What is Equity Insurance? For most of us, motor insurance is just a must-have. Yet for some, it is so much more than that; it s a way of taking care of what stands at the heart of their passion or livelihood. We recognise that for these vehicle owners, standard insurance isn t enough. That s why we work exclusively with brokers to get under the skin of their customers, and to know what their vehicles mean to them. Then we can build products to help meet their needs. This is a completely different approach to motor cover. We call it Equity Insurance.

3 Who are ERS? We are a personal lines syndicate at Lloyd s, and have been providing insurance to customers for over 60 years. We insure all sorts of vehicles, from classic cars to taxis, and from minibuses to horseboxes. We really value our partnerships with our brokers. After all, our success is based on theirs. That s why we take the time to listen to what they need from us, and then develop insurance products that deliver. What do we do? We focus on the sectors where we really know our stuff. Where we understand the brokers, and where we know their customers too. By knowing how much certain drivers value their vehicles, we can tailor the insurance to suit them. And we make sure we re always available too. We make our underwriters available to brokers, so they can get in touch to make decisions there and then about unusual risks.

4 Insight over intuition Did you know that florist vans are the least likely to be stolen, and that their owners tend to drive more carefully because of their fragile load? Our underwriters know what makes drivers tick, and can offer cover and premiums to match. Driven by passion Ice cream vans, lorries, horseboxes, we insure just about every type of motor vehicle driven today. By having teams of specialist underwriters, we make sure we understand drivers passions and needs to create the cover that s exactly right for them. Classic cars We understand the love and care drivers put into their cars, and offer a dedicated team focused on delivering tailor-made solutions. Farmers We cater for everything from small family farms to large, multi-location estate management teams, and understand the wide variety of occupations that are part of day-to-day farming life. Kit cars Kit car drivers have invested love and time in creating their perfect vehicle. We make sure to protect their pride and joy. Modified vehicles There are lots of ways drivers can modify a vehicle, from small enhancements to more extensive changes.

5 Motor fleets As a leading player in the fleet market, we know how to cover everything from small family-run firms to large national companies, including private cars, small vans, HGVs, minibuses and coaches. Motor breakdown We offer customers the chance to include just the cover that suits them, such as home service or recovery to their home, so they spend just the amount they need. Transportation Whether a driver is working for Hire and Reward, or moving their own goods, we ll cover them. Even if a vehicle is above the normal weight limit or carrying hazardous goods. Minibuses We have a huge range of experience covering private and contract hire minibuses, specialising in educational establishments, charities, associations and religious groups. Coaches and buses We specialise in owner operated bus and coach business, and understand the unique requirements and dynamics of family run businesses. Rural community The rural community has a different pace of life, and the insurance provided reflects this. Cars Every driver has a history, and we re happy to hear it. Our dedicated experts will go out of their way to provide an option of cover for everyone. Vans Different demands on business create different demands on a vehicle. We know the pressures that drivers are under, and can design cover accordingly. Taxis Taxi drivers need a completely different type of insurance from standard car cover. We look at how much they are doing to bring the risks down, and design cover accordingly. Specialist commercial vehicles We can cover all manner of risks, such as mobile retailers who are selling food or goods, as well as vehicles carrying hazardous materials like pyrotechnics or asbestos. Motorhomes When problems with a motorhome happen, they need to be resolved as soon as possible. We make sure we come to the rescue fast. Showman In this sector, the vehicle is the business. We know the business owners are responsible and reliable, which is why we can create bespoke cover for them. Motorcycles Through targeting our scheme and adapting our standard cover, we can accommodate around 95% of the biker market.

6 Our insurance comes from insight From replica batmobiles to rubber dinghies, we ve insured all manner of whacky and wonderful vehicles in our time. So how do we do it? Well, we have teams of specialist underwriters who focus on just one type of risk, so they really understand what s being insured, and why it is so valuable to the customer. That way they can create insurance cover that suits someone s actual needs, which means we can insure risks that many other insurers might avoid. You can only take out Equity Insurance from ERS through brokers. Our brokers already know their customers, and have built up strong relationships with them. By working in this way, we can be sure policyholders receive the best advice at all times. Our claims service Our claims service is manned by people who understand the vehicles we insure, the types of claim that could arise, and how to get customers moving quickly again. So if a policyholder ever needs to make a claim, they know they will be talking to someone who understands the issues involved and the risks that can happen. No-one wants a claim to drag on too long, which is why our team will work hard to resolve it as soon as possible. If you or your customer ever needs to make a claim, simply call or us and we ll get things moving. You ll find our contact details on

7 Contact details Classic, Modified & Kit Car T E bespokeuwquotes@ers.com Motorcycle T E motorcycleuw@ers.com Car & Van T E privatecaruw@ers.com Non Standard Car & Van T E nsquotes@ers.com Transportation T E commercialquotes@ers.com

8 Showman T E commercialquotes@ers.com Specialist Commercial Vehicle T E commercialquotes@ers.com Taxi T E commercialquotes@ers.com Motor Breakdown T E motorbreakdown@ers.com Fleet 10+ T E fleetsouth@ers.com E fleetnorth@ers.com E fleetscotland@ers.com Coach & Bus T E commercialquotes@ers.com Minibus T E commercialquotes@ers.com Fleet 4+ T E smeprotect@ers.com Motorhome T E bespokeuwquotes@ers.com Farmer T E agricultureuw@ers.com Rural Community T E agricultureuw@ers.com

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10 Minibus We have a huge range of experience covering private and contract hire minibuses, specialising in educational establishments, charities, associations and religious groups.

11 Minibus A minibus driver is responsible for their passengers, and in turn they want to know someone is taking responsibility for them. We ve got a huge range of experience covering private and contract hire minibuses, specialising in educational establishments, charities, associations and religious groups. Did you know? Many minibuses are used by not for profit organisations or care homes, which can influence the premiums we can offer. For instance, a minibus used by a scout group will probably be on the road a lot less than one used by a taxi firm, and may even be kept behind lock and key. As such it represents a better risk, so we can probably offer them lower premiums. Features & Benefits Van based vehicles with 9 to 16 passenger seats Private hire Social Domestic and Pleasure Minibus assist: care homes, charities, education and childcare Comprehensive, third party fire and theft, third party only 5,000,000 TPPD limit Breakdown cover included free of charge for all comprehensive Minibus policies Windscreen cover included Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards

12 Classic Car We understand the love and care drivers put into their cars, and offer a dedicated team focused on delivering tailor-made solutions.

13 Classic Car Classic car drivers have a special relationship with their vehicles. We understand the love and care they put into them, and offer a dedicated team focused on delivering tailor-made solutions. Our team has the experience and enthusiasm to provide everything from one-off quotes to dedicated schemes, so that brokers can offer drivers the very best bespoke cover and service. Features & Benefits Suitable for cars cherished by their owner that are used sparingly. Examples are: Alvis, American Classics, Austin, Austin-Healey, Daimler, Fiat, Jaguar, MG, Mini, Morris, Renault, Rover, Sunbeam and Triumph Cherished plate cover up to 10,000 Foreign use allowance up to 90 days Breakdown cover with no quibble over repair or recovery, also available on some military vehicles Multi vehicle coverage Salvage retention option to client following total loss Loss of keys and lock replacement, child seat cover and personal belongings cover Track day cover Flexibility on repairs owners are not forced to use the approved repairer network Did you know? Some classic car owners look on insurance as a way to protect their investment, much as they would insure a piece of fine art.

14 Kit Car Kit car drivers have invested love and time in creating their perfect vehicle. We make sure to protect their pride and joy.

15 Kit Car Kit car drivers have invested love and time in creating their perfect vehicle. Whether they use it to get from A to B, or just drive it now and then, they know every single component in their pride and joy. So we make sure to protect every single inch of it too. Features & Benefits Cherished plate cover up to 10,000 Multi vehicle coverage and foreign use allowance up to 90 days Personal belongings 100 Track day cover available on referral Dedicated claims handling team who will discuss repair options, not simply impose the closest repairer Multi vehicle option Parts only cover Did you know? Our policies are flexible enough to allow the insurance of individual parts which is ideal for kit car owners who like to tinker!

16 Modified Vehicle There are lots of ways drivers can modify a vehicle, from small enhancements to more extensive changes.

17 Modified Vehicle There are lots of ways drivers can modify a vehicle. From small enhancements like alloy wheels through to much more extensive changes like engine upgrades, any modification can have an impact on the value of a car, and the risks we need to cover. Features & Benefits Cherished plate cover up to 10,000 Multi vehicle coverage and foreign use allowance up to 90 days Personal belongings 100 Track day cover available on referral Dedicated claims handling team who will discuss repair options, not simply impose the closest repairer Multi vehicle option Parts only cover Did you know? Drivers who modify their cars tend to be passionate about driving, and are determined to look after their vehicle. That s why we know they are a good risk, and write cover to suit them.

18 Motor Fleet As a leading player in the fleet market, we know how to cover everything from small family-run firms to large national companies, including private cars, small vans, HGVs, minibuses and coaches.

19 Motor Fleet Fleet insurance is all about protecting business assets. As a leading player in the fleet market, we know how to cover everything from small family-run firms to large national companies operating all types of vehicles including private cars, small vans, HGVs, minibuses and coaches. We know that no two operators are the same. Whatever an operator s needs, we look to find a flexible solution to meet them and will consider areas such as different rating approaches, cover options and telematics solutions. Our underwriters will happily accompany brokers to visit major fleet customers to ensure that we understand their business and that the policy we are proposing is appropriate. Features & Benefits Fleetsure policy designed to cover fleets in excess of ten vehicles SME Protect policy designed specifically for small fleets of cars and vans between four and nine vehicles, with the same flexibility as our Fleetsure wording A clear risk appetite covering a broad spectrum of risks In-vehicle telematics solutions available for all fleet sizes via Equitrack 24 hour claims helpline supported by specialist claims handlers Driver packs and bump cards to allow help in an accident and proactive TP claims management Cover up to 20m for third party property damage on cars and 5m on all other vehicles New for old cover on cars and vans up to 3.5 tons Cover for loss of keys and replacement locks up to 1,000 Cover for medical expenses up to 500 Cover for personal belongings up to 250 Duty of care driving at work legal costs Driver personal accident benefits 10,000 Flexible approach to driving warranties Did you know? Some fleet companies carry out risk management to protect their fleet. We know that means they take care of the vehicles under their management, and as such they represent a better long-term risk. We can support our clients who put risk management in place through traditional measures and new technology.

20 Motorcycle Through targeting our schemes and adapting our standard cover, we can accommodate around 95% of the biker market.

21 Motorcycle To deliver first class motorcycle insurance, we don t just look at the make and model of a bike, we take the type of rider into account too. Through targeting our schemes and adapting our standard cover, we can accommodate around 95% of the biker market. Our underwriters are happy to discuss any more unusual or difficult risks too. We have lifelong motorcycle enthusiasts, and this combined with their knowledge and experience means we can provide a truly tailored solution for motorcycle cover. Features & Benefits 90 days full policy cover for foreign travel within the European Union Loss of key/replacement locks cover in the policy as standard If declared riding other bikes available subject to terms and conditions Vehicle accessories covered in the policy as standard Specialist referral facility for nonstandard risks, such as trikes and custom bikes Offering a solution to transact multivehicle policies Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Up to four named riders Specialist repair solutions Did you know? Just recently the average age of motorbike riders has increased by about ten years. They probably have families, and are not going hell for leather. That s why we know they re a much better risk.

22 Coach & Bus We specialise in owner operated bus and coach business, and understand the unique requirements and dynamics of family run businesses.

23 Coach & Bus We specialise in owner operated bus and coach business, and understand the unique requirements and dynamics of family run businesses. We ve also got a huge range of experience in covering coaches for educational establishments, charities, associations and religious groups. Did you know? A lot of coach companies are family run businesses. The children need to get experience, so we are willing to cover them as drivers at a younger age than most other insurers would accept. Features & Benefits Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards All areas considered 5,000,000 third party damage limit Flexible underwriting Windscreen cover available Private and contract hire Seating 18 passengers and over Flexibility over repairs can be carried out in own repair yard Special provision for family members of owner that are young drivers

24 Taxi Taxi drivers need a completely different type of insurance from standard car cover. We look at how much they are doing to bring the risks down, and design cover accordingly.

25 Taxi When it comes to insurance, taxi drivers need a completely different type of insurance from standard car cover. We can tell how much taxi drivers value their vehicle, and how much they are doing to bring the risks down. We ll cover private hire, public hire and chauffeur services, and can provide a specialist rating tool for selected brokers too. Features & Benefits Aimed at taxi drivers between the ages of 30 and 60 with a minimum of 12 months taxi experience We are most competitive in rural areas for risks earning at least two years taxi NCD We quote for both single vehicle policies and multi vehicle policies (a maximum of five years) Optional 1,000,000-5,000,000 public liability cover, which can be extended to 10,000,000 Age of proposer discounts and named driver policies Protected NCD available (minimum four years earned) Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Discounts for in vehicle camera fitment Did you know? Taxi drivers who drive a higher specification of car will be treated differently, as we know they take pride in their vehicle.

26 Motorhome When problems with a motorhome happen, they need to be resolved as soon as possible. We make sure we come to the rescue fast.

27 Motorhome A motorhome says freedom like nothing else. It gives people the chance to escape and experience the great outdoors. So when problems happen, they need to be resolved as soon as possible. Sometimes we re talking hours, not days. We also appreciate that families not just single drivers will be involved, so we make sure we come to the rescue fast. Features & Benefits Extended awnings cover Gas bottle cover Increased personal effects cover Choice of repairer we ll have a conversation about how best to resolve a claim under different circumstances Did you know? When it comes to motorhomes, it s important to offer a flexible claims service. Some claims need to be handled and resolved straight away, as the driver and their family are itching to go on holiday. Claims at the end of the season however can take longer.

28 Specialist Commercial Vehicle We can cover all manner of risks, such as mobile retailers who are selling food or goods, as well as vehicles carrying hazardous materials like pyrotechnics or asbestos.

29 Specialist Commercial Vehicle We know that commercial vehicle drivers don t have a me too job, which is why we don t offer me too insurance. Instead, we cover all manner of risks. For example, we can cover mobile retailers selling food or goods, vehicles carrying hazardous materials like pyrotechnics or asbestos, and road risks for heavy plant vehicles. Nothing is off-the-shelf, everything is about understanding a client s actual risk. Features & Benefits Suitable for multi-vehicle risks up to five vehicles 5,000,000 third party property damage limit All vehicle weights considered All geographical areas considered Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Windscreen cover Modified vehicles welcomed Did you know? For some specialist vehicles, we don t insist that they use approved repairers. We are happy to negotiate with the owners if they want to arrange repairs themselves.

30 Showman In this sector, the vehicle is the business. We know the business owners are responsible and reliable, which is why we can create bespoke cover for them.

31 Showman In this sector, the vehicle is the business. If it s down, so are the takings. We understand it has to be operational and roadworthy at all times. And we also know that the business owner s reliance on their vehicle makes them a reliable and careful person in turn. That s why we are happy to create bespoke cover just for them. Features & Benefits Suitable for multi-vehicle risks up to five vehicles 5,000,000 third party property damage limit All vehicle weights considered All geographical areas considered Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Windscreen cover Modified vehicles welcomed Generator cover Did you know? Showmen are a good risk because they tend not to be on the road very much. They wouldn t be able to operate without insurance, so we know they are going to pay their premiums. And if any issues arise, they want things resolved as quickly as possible so they can get on with the business.

32 Car Every driver has a history, and we re happy to hear it. Our dedicated experts will go out of their way to provide an option of cover for everyone.

33 Car Standard risk? There s no such thing. Every driver has a history, and we re happy to hear it. Our dedicated experts understand what customers have been through, and can tell when people have changed their lifestyle. They will go out of their way to provide an option of cover for everyone, with excellent service at all times. Features & Benefits Personal accident benefits Personal belongings 90 days foreign use as standard Loss of keys Protected NCB Immediate and 24 hour claims service Up to four named drivers Child seat cover included Cover when the vehicle is being serviced or repaired Sat nav cover (up to 500) 1-3 cars covered Cherished number plates option Did you know? We always listen to the story behind any application for insurance, and don t just take things at face value.

34 Van Different demands on business create different demands on a vehicle. We know the pressures that drivers are under, and can design cover accordingly.

35 Van You can use a van for all manner of things, which is why there are all manner of van drivers out there. Different demands on business create different demands on the vehicle. From our wide range of experience in the small panel van and car-derived van segment, we know the pressures that drivers are under, and can design cover accordingly. For example, we are happy to cover vehicles used to carry small amounts of hazardous material for business purposes. We never forget that keeping a van on the road is the most important thing for lots of small businesses. Features & Benefits New van replacement Personal accident benefits Personal belongings Foreign use Loss of keys Protected NCB Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Up to four named drivers Signage and racking covered Sat nav cover (up to 500) Cover when the vehicle is being serviced or repaired Did you know? A white van with signage on it is a better risk to insure than one without, as it is less likely to be stolen. Not only that, the owner will tend to drive it more carefully because it represents their business and they take pride in it.

36 Transportation Whether a driver is working for Hire and Reward, or moving their own goods, we ll cover them. Even if a vehicle is above the normal weight limit or carrying hazardous goods.

37 Transportation Thanks to our long history in the transport sector, we know what matters for drivers, and the wide range of risks they need to cover. Whether a driver is working for Hire and Reward, or moving their own goods, we ll cover them. We specialise in owner operators whose vehicle is their pride and joy. And if the vehicle is above the normal weight limit of 44 tonnes or carrying unusual or hazardous goods? No problem, we love rising to the challenge. We can also cover foreign use and vehicle cameras. Features & Benefits Suitable for multi-vehicle risks up to five vehicles 5,000,000 third party property damage limit Specialise in owner operators up to five vehicles Courier risks All vehicle weights considered Refrigerated trailers covered Competitive prices All geographical areas considered Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Windscreen cover Modified vehicles welcomed Discounts offered for in vehicle camera Did you know? We tend to give a better rate to truck drivers who have airbrushed designs on their cabs. It shows they take pride in their vehicle and want to take care of it.

38 Farmer We cater for everything from small family farms to large, multi-location estate management teams, and understand the wide variety of occupations that are part of day-to-day farming life.

39 Farmer Our dedicated team of underwriters has over 50 years combined experience in the farming sector, and has a really detailed in-depth knowledge of the vehicles and the risks involved. We cater for everything from small family farms to large, multilocation estate management teams, and understand the wide variety of occupations that are part of day-to-day farming life. Did you know? Over 50% of farmers have diversified into other ways of making money from the land and their assets. We understand they need more from their vehicles than ever before, and we offer the insurance to deliver. Features & Benefits Single policy designed to include all agricultural and associated vehicles/ businesses Flexible approach to UW and rating with competitive prices Replacement locks and keys (up to 1,000) Personal belongings cover on all vehicles (up to 500) New car replacement cover and foreign use extension to cover private cars & commercial vehicles with a GVW of 3.5 tonnes or less 5m Third Party Property Damage limit for commercial vehicles, 20m property damage for private car Protected bonus available for NCB rated private cars and commercial vehicles Inclusion of family members (even if living in other parts of the country) Flexibility on repair terms farmers can repair themselves or get local contact to do it rather than our approved network If the pressure s on, they can fix things and we ll settle up afterwards Foreign use extension Breakdown cover available for cars/ small vans Fleet rating or individual NCD as appropriate Suitable for schools, colleges, universities and other rural occupations where cover for a combination of vehicle types is required

40 Rural Community The rural community has a different pace of life, and the insurance provided needs to reflect this.

41 Rural Community We have a long history of providing cover to people who live and work in the rural community. The pace of life tends to be different from that in the town, with fewer cars on the roads and more careful drivers. We work with brokers who have a rural connection and understand the way of life, helping them deliver specialist insurance for their clients. We can cover everything from agricultural private cars to horseboxes. Features & Benefits Horsebox Comprehensive policy for vehicles up to 18 tonnes GVW, 100,000 value Social domestic and pleasure cover for the amateur rider Cover for own goods and Hire and Reward if required Single or multi-vehicle Private Car & Commercial Vehicle Cover for rural community based businesses such as carpenters or butchers, reflecting the breadth of activities undertaken Private car cover for individuals and families, with premiums reflecting the fact that people in the rural community tend to be more careful drivers Did you know? Someone who is running a livery or stable will probably use horseboxes often, whereas a horse enthusiast might only use their horsebox once or twice a week. Either way, we know that both will drive with real care. We can assess the risks and write the cover accordingly.

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