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2013
HOME INSURANCE
Home InsuranceCherish Insurance Brokers • 0800 197 2770
Cherish Home is a 5-Star policy that’s jampacked with tasty features.
✓ UNLIMITED buildings and contents✓ Accidental damage as standard✓ Wide acceptance criteria including listed buildings✓ FREE liability, legal cover and 24hr home assistance ✓ Protected no claims ... and much more!
cherishinsurance.co.uk/happy
Smiley happy peoplePut a smile on your clients’ faces with Cherish Home Insurance
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New GAP insurance solutionAdvertisement Feature
Top Up Fleet GAP for brokers’ commercial customers.With over 70% of company vehicles financed on a form of contract hire, businesses do not always consider the financial exposure that can occur following a total loss. Conventional motor fleet insurance will settle claims based on market value and this may not be enough to cover the outstanding finance or early termination charges.In the event of a total loss occurring, Top Up Fleet GAP pays the difference between the motor insurers total loss settlement and the outstanding finance, or tops up the motor insurers total loss settlement figure by 25%, whichever calculation is the greater.
• Available for all types of vehicles from cars to HGVs up to 44t GVW;
• Covers vehicles leased, financed and owned outright;
• Benefit levels up to £20,000 per vehicle.
The introduction of Top Up Fleet GAP compliments the existing broad range of GAP insurance products and benefits available to BIBA members which includes:-• Combined Purchase Price Protection GAP• Lease GAP• Purchase Price Protection • Total Loss Top Up for Cars and Driving Schools
JUST SOME OF THE BENEFITS FOR BIBA MEMBERS:• Enhanced rates
• Commission up to 40%
• Online system delivering products in a compliant environment.
• Free product training.
For further details on any of our products or to set up an agency with Jackson Lee Underwriting call 0844 310 9923 or email [email protected]
Towergate Underwriting is a trading name of Towergate Underwriting Group Limited. Registered in England No 4043759 Authorised and regulated by the Financial Services Authority
BIBALet Landlords Enhanced pricing and commission deals for BIBA members. No minimum volume of support required.
Tel: 01206 780 814 Email: [email protected]
Commercial Package & CombinedInnovative range of e-traded solutions with Added Value Services included. Attractive commission for BIBA members.
Tel: 0844 892 0965 Email: [email protected]
Professional IndemnitySpecialist PI cover for a wide range of professions and businesses, including brokers own PI, with risk and claims management.
Tel: 0844 892 1789 Email: [email protected]
Tel: 0844 892 1945Email: [email protected]
Contact our Broker Support Unit for details of our full product range
BIBA schemes from Towergate
NEW BIBALet for BIBA members Advertisement Feature
Towergate Underwriting was announced as the new insurance provider of BIBALet last year. We are dedicated to providing an excellent experience for BIBA members, with access to a range of cover options specially designed for today’s landlords.
BIBALet landlords insurance gives BIBA members key advantages in this growing and competitive market.
• High levels of commission – starting at 27.5% and upwards for account consolidations
• No minimum levels of support required
• Dedicated BIBALet team - underwriting and claims managed by let property insurance experts with 20 years experience in this market
• Enhanced pricing and commission as well as a personal account manager for account consolidations
Shaune Worrall, MD Towergate Underwriting Let Property says;
“As the demand for private rental accommodation continues to increase due to the restricted mortgage market, this is an ideal growing market to target for new business. Landlords need quality insurance cover to ensure their property investment is properly protected and BIBALet helps smaller brokers by giving them access to a market leading scheme. We value the local broker’s intimate knowledge to help our underwriting and in return offer a scheme with the sort of benefits only the largest brokers normally access. Moreover, we want to help all BIBA members compete in a dynamic and growing part of the insurance market”.
For quotations and cover contact your dedicated BIBALet team:
Tel: 01206 780814 Email: [email protected]/bibalet
Laser HouseGoswell RoadLondon EC1V 7DY
+44 (0) 207 553 9500www.oktra.co.uk
MovingOffi ce?
Inspiring offi ce environments that promote productivityOur clients rely on us to craft bespoke and sustainable workspaces – exemplar models of productivity and space effi ciency, ergonomic practicality and visual delight. Our proudest moments are seeing their fi rst reaction when the doors open to their new offi ces.
If you are considering moving offi ce and would like to order ‘The Essential Offi ce Refurbishment Handbook’ call +44 (0) 20 7553 9500 or download a copy from our website; www.oktra.co.uk
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Tel: 01444 412118 Fax: 01444 416878Email: [email protected]: www.brooksbraithwaite.com
Animal business and animal risk specialists• Animal boarding establishments• Dog & cat groomers• Dog trainers, walkers & sitters
• Dangerous wild animal liability insurance• Dog hydrotherapists• Clubs, shows & centres
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Need an underwriter who thinks differently?Specialist and underserved markets lie at the heart of our product range.Call us on 0844 854 6832 or visit www.amtrusteurope.com An AmTrust Financial Company
AmTrust Europe
PROPERTY • CASUALTY • WARRANTY • LEGAL EXPENSES • SPECIAL RISKS • AMTRUST LAW • ACCIDENT & HEALTH
Specialist Business Insurance
Exclusive arrangement for BIBA 0.5% discount when paying FSA membership fees by monthly instalments Spread the cost of BIBA fees Endorsed by BIBA for over 10 years
Telephone: 0844 736 9836 Email: [email protected] Website: www.premium-credit.co.uk Credit is subject to status. Terms and conditions apply.
BIBA Credit Management and Bonds SchemeProvides BIBA members with:Credit Insurance • Bonds • Factoring & Invoice Discounting • Debt Recovery • Credit Reports
Tel: 0844 875 8148 | Email: [email protected] Perkins Slade is authorised and regulated by the Financial Services Authority
*Terms and conditions apply. †The Guide to UK Company Giving 2009/10, Directory of Social Change. ‡Of those brokers who named an insurer in the survey, the majority named Ecclesiastical as the best insurer for charity insurance. Research carried out by FWD, an independent market research company.
Charities need good value from their insurer.
byone.ownedWe know, because we’re
To find out more, speak to your broker or visit ecclesiastical.com/charity
Credit Insurance and Bonds
Insurance Premium Credit
Professional Indemnity
Technology and Software
Innovative software for the general insurance industry01273 852000 /// www.insurecom.co.uk
P J Hayman & Company Bespoke schemes & cover plus e-commerce solutions
Specialist products for ‘standard’ & ‘non-standard’Hard to place risks accommodated
0845 230 3511 [email protected]
www.pjhayman.comP J Hayman & Company Limited is authorised and regulated by the Financial Services Authority (No. 497103)
Travel Insurance & Schemes
Travel Insurance
0844 736 9836 [email protected] www.premiumcredit.co.ukPremium Credit Limited, Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB
With competitive net rates, preferential terms, innovative online services and dedicated Business Managers, Premium Credit works with BIBA members to help you maximise the benefits from premium finance. Just a few reasons why BIBA has extended its endorsement of us for another 3 years.
Working together on Premium Finance
Celebrating over 10 years
working with BIBA
PCL_BIBA 2012 Advert June2012_05.indd 1 25/06/2012 14:57
There’s never been a better time to offer premium finance to your clients, so when it comes to choosing a provider, it pays to work with the best in class. Look no further than Premium Credit, the leading insurance premium finance company in the UK and Ireland.
Premium Credit is the only premium finance company endorsed by BIBA and has been for over 10 years. At BIBA’s 2012 conference, we were delighted to announce that BIBA had extended this endorsement for another 3 years.
With £3.2 billion advances, 1.8 million customers and 18 million Direct Debits processed in 2011, Premium Credit has consistently delivered competitive rates, preferential terms and innovative online services to BIBA members. We believe our success and long-standing association with BIBA is down to several factors:
Experience and knowledgeWith a combined 170 years in the industry, our senior management team applies a wealth of knowledge and expertise. Many of our staff are professionally qualified, while nearly 30% have been with us for over 10 years. Coupled with
PREMIUM CREDIT – ENDORSED BY BIBA WITH GOOD REASON
Advertisement Feature
an award-winning Contact Centre, we have the experience and knowledge to help you maximise the benefits of premium finance.
Our technology makes life simplerIntegrated with all the leading software houses, our award-winning online services make it easy for you to transact business with us. Pioneering innovations such as My Premium Credit – a UK premium finance industry first – enable clients to manage their accounts online 24/7, sign credit agreements and instantly settle outstanding payments by credit or debit card.
Personal approach Our dedicated Business Managers provide BIBA members with a regular point of contact, product and system training and work proactively with you to identify opportunities to maximise premium finance income from your client base.
To find out how Premium Credit can help you,
call 0844 736 9836,email [email protected] or visit www.premiumcredit.co.uk
Second Home InsuranceCherish Insurance Brokers Limited • 0800 197 2770
Tailored protectionfor second homesCherish Second Home insurance is the perfect fit for holiday homes in the UK. Its flexible cover includes:
✓ £1m buildings, £75,000 contents (higher available)
✓ Accidental damage as standard
✓ Wide acceptance criteria – up to 7 bedrooms including listed properties
✓ FREE liability, family legal protection and 24hr home assistance
✓ Commercial Guest Extension for holiday rentals ... and much more!
Visit cherishinsurance.co.uk/love for details.
INCLUDESHOLIDAYRENTALSEXTENSION
BrokerMagAdsOct-13 resized 123x87mm_Layout 1 04/10/2013 11:56 Page 2
How do you
S TAY C O N F I D E N T
in a world where
changeis constant?
HCC International e: [email protected] t: +44 (0)20 7702 4700 w: hcc.com/international/pi
A subsidiary of HCC Insurance Holdings, Inc.
At HCC Casualty, we understand that every day carries risk. That’s why through our
professional indemnity and liability insurance we give our clients the freedom to take
on opportunity with confidence. A process of insurance we call Mind over risk.
@HCC_Casualty HCC Online
The Broker half page casualty 0613.indd 1 22/07/2013 11:45:39
At AmTrust we specialise in bespoke insurance products.
Our can-do culture means that our underwriters are empowered to think laterally.
From gap insurance to medical malpractice, latent defects to heavy plant, we know that your business success is rooted in differentiation and that sometimes you need policies creating exclusively for you.
Plus with an A Rating from A.M.Best and a growing international presence, we’re in this for the long term.
So for a refreshingly flexible approach, call us today on 0844 854 6832 or visit www.amtrusteurope.com
An AmTrust Financial Company
AmTrust EuropeAuthorised and Regulated by the Financial Services Authority.
MI-AEL12
PROPERTY • CASUALTY • WARRANTY • LEGAL EXPENSES
SPECIAL RISKS • AMTRUST LAW • ACCIDENT & HEALTH
We’re looking for brokers who swim against the tide
