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ERS Enthusiast vehicle insurance

Providing specialist motor insurance for over 70 years, our passionate team of underwriters live and breathe enthusiast vehicles and understand the special relationships our clients have with their cherished Classics, Collections, Motorhomes, Modified and Kit cars.

ers.com/enthusiast Every ERS policy comes with an A+ rating and is honoured by Lloyd’s, so you and your customers can rely on us. Find out more at ers.com/lloyds

ers.com/enthusiast Working together in the evolving classic car market Contents

With the challenges created by product offering covers everything from Classics and Enthusiast insurance from the specialists 05 Collections to Modified and Motorhomes. In 2019, we COVID-19, 2020 has been quite paid out on 99% of claims*, highlighting that we are Classic car insurance 06 different for most. At ERS, we want here for your clients when they need us most. Classic car collections insurance 06 to make sure that we support our As electric classic conversions continue to grow and Kit car insurance 07 the Motorhome market thrives off the staycation brokers as much as possible whilst trend, we are excited to continue to work with you Replica car insurance 07 everyone adapts to the new ways in the year ahead, to continue to support your Modified & imported car insurance 08 business growth. of working. The rise of the motorhome 09 Our Lloyd’s A+ rated products provide complete Specialist claims handlers 11 financial security for our brokers and their clients in these uncertain times. Our dedicated Enthusiast Your specialist Enthusiast team 12 team focus on delivering tailor-made solutions, Your national and regional network 13 helping you give drivers the very best cover and service for their cherished vehicles. Since March, we have hosted monthly Stay Connected webinars for our brokers, where our experts talk through our latest appetites, features and benefits, and our Marketing Hub provides Adrian Moody product brochures and leaflets. Our Enthusiast Enthusiast Product Manager

*Based on claims received and declined on all motor products between January and December 2019

ers.com/enthusiast “Talented ERS Underwriters with strong understanding, proven pedigree and often personal empathy with specialist lines. Policies with relevant, niche specific cover features and a flexible approach to working with us to grow our business. Backed by the best possible policyholder security there is in the form of Lloyd’s of London’s central fund and an A+ rating”

Greenlight Insurance | June 2020

ers.com/agricultureers.com/enthusiast What’s your dream Classic Car, if money was no object? Andrew Halsey Alan Bradbury Underwriter Senior Underwriter At ERS we have a team of “I would take an original 23 window, split screen “If money was no object, then my choice of dedicated and specialist experts VW Camper, the most celebrated of the VW buses. classic would be an Alfa 33 Tipo Stradale…. Very Perfect for holidaying in the UK, no need to pay for rare and very expensive, but simply one of the who understand those complex additional accommodation. Id take a trip along the most beautiful classics ever created. Only 18 were risks that other insurers can’t write, Kent coastline, maybe with a music festival or 2 along produced, but in my opinion, the epitome of classic the way. These are super desirable now and worth an Italian styling. As for where I’d like to take it, well from the rarest classics to the most Adrian Moody absolute fortune (more windows = more value)” surely this car belongs in the Cote D’Azure, but I spectacular modified vehicles. Enthusiast Product Manager would settle for a spirited drive along the A470 in Wales – from Llandudno in the north to Cardiff “I’d take a Mercedes 300 SL Gullwing, anywhere Our Enthusiast team focuses on in the south, taking in Snowdonia, Cambrian picturesque in the sun. delivering tailor-made solutions, Mountains and the Brecons – some beautiful Why the 300 SL Gullwing? Just look at it, what scenery and a worthwhile journey in any car.” helping you give drivers the very a thing of beauty. Costing north of £1m for the best cover and service. best examples its not one I’m likely to own but I can dream! It’s the road version of the Mercedes Alice White W194 which had victories at Le Mans and the We asked our Enthusiast team to Underwriter Nurburgring. tell us their dream car of choice to “The VW Beetle began back in 1938 and over 21 The doors are something else, not what you see million were made. Although it’s sadly not made take on their UK holiday, if money everyday as well as the performance of the vehicle any more, it’s the longest running and most- itself. Not only does it look good it drives great too!” was no object... manufactured car of a single platform ever made. Steve Simpson The convertible didn’t come along until after the Senior Underwriter second world war, but it’s remained hugely popular “I’d take a series 1 Lotus Elise 111S on holiday to for enthusiasts around the world. It’s also starred in Cornwall. It’s British, it’s open top and its handling many movies, including one of my favourites, Herbie, is perfect for the B roads there.” and has a character that modern cars just don’t have. It’s simple, stylish, has a unique sound and would be the perfect companion on a trip to the coast. I’d love to drive on down to the beaches of Cornwall, park up and have a cream tea.”

ers.com/enthusiast Classic car Classic car collections Classic car drivers have a special relationship with their vehicles. We understand the love and care they put into them. Our We also have the appetite and underwriting capability to offer tailor-made policies for your client’s cherished Classic dedicated classic car team focuses on delivering tailor-made solutions, helping you give drivers the very best cover and motor collections. Choose our Classic Collections offering for your client’s Classic multi-vehicle policies as well as single service. Classic motor insurance.

Features and benefits Features and benefits

Dedicated claims Agreed value at no Salvage retention Cherished plate Loss of keys and Cover for public road Single renewal date Salvage retention Agreed value Cherished plate Multi vehicle coverage Cover for handling team who extra charge option to customer covered up to £10,000 lock replacement, rallies and trials, option to customer covered up to £10,000 for classic vehicle dismantled parts will discuss repair (subject to evidence) following total loss child seat cover and treasure hunts, road following total loss collections options personal belongings safety and non- cover competitive rallies

Multi vehicle coverage Up to 90 days Cover for Stand alone Dedicated claims Up to 90 days Cover for public road Stand alone for classic vehicle European use dismantled parts breakdown cover handling team who European use rallies and trials, breakdown cover collections per trip available will discuss repair per trip treasure hunts, road available options safety and non- competitive rallies

Appetite Appetite

° Collectible cars (at least 20 years old, unless highly ° SD&P, commuting, personal and company business use, ° Classic car collections (2+ vehicles) ° SD&P, commuting, personal and company business use and collectible e.g. Morgans) that are not the sole vehicle or occasional wedding hire use (subject to annual mileage) ° Vehicles can be stored at multiple locations (subject to occasional wedding hire use (subject to annual mileage) used daily ° Claim free risks through to those with multiple claims and/ appropriate security) ° Drivers aged 17 to 85 (subject to experience and vehicle type) ° Classic commercial vehicles (at least 30 years old) or single large losses ° Flexible on driving restrictions for Collections apart from those with unemployed occupational status ° Classic collections ° Conviction free drivers through to drivers with motoring ° Collectable cars (at least 20 years old, unless highly ° Military vehicles convictions and criminal convictions collectable e.g. Morgans) that are not the sole vehicle or ° Drivers aged 17 to 85 (subject to experience and vehicle type), ° Vehicles with a value over £1,500 and with no upper value limit used daily apart from those with unemployed occupational status ° All postcode areas (subject to vehicle storage and security ° Vehicle or owner based in the UK requirements) ° Vehicle must be stored in a private garage/locked building, ° All basis of cover (comprehensive through to “laid-up” driveway or professional storage facility ADF&T)

Ways to trade Ways to trade

Manual underwriting EDI via IHP via Bordereau Manual underwriting EDI via IHP via Bordereau

Contact [email protected] or Product access is not guaranteed, please Depending on volume, please speak to Contact [email protected] or Product access is not guaranteed, please Depending on volume, please speak to call on 0345 600 3890 speak to your Regional Development your Regional Development Manager for call on 0345 600 3890 speak to your Regional Development your Regional Development Manager for Manager for more information. more information. Manager for more information. more information.

ers.com/enthusiast Kit Car & Replica Motorhome Kit car drivers have invested love and time in finding, or creating their perfect vehicle. As such they know and value every A motorhome says freedom like nothing else. From sporting weekends to driving tours of Europe, they enable a lifestyle that their single component. So we make sure to protect every single inch. owners cherish. Our comprehensive cover means that drivers can always be confident that, whether their trip is for six days or six months, we have a policy that will meet their needs.

Features and benefits Features and benefits

Dedicated claims Salvage retention Multi vehicle coverage Up to 90 days Loss of keys and Cover for public road Up to 180 days £2,000 personal £1,000 awnings, New motorhome Loss of keys and lock Protected no claims handling team who option to customer for kit and replica cars European use lock replacement, rallies and trials, European use per trip effects cover gas cylinders and replacement cover in replacement and child discount option will discuss repair following total loss per trip child seat cover and treasure hunts, road generators cover the event of a total seat cover options personal belongings safety and non- loss within 12 months cover competitive rallies of ownership from new

Stand alone Unlimited Stand alone breakdown cover windscreen cover breakdown cover available when your clients available need it the most

Appetite Appetite

Motorhomes ranging from USA manufactured RV’s, A-class Claim free risks through to those with multiple claims and/ Rollovers on existing books of business New but substantially sized schemes ° ° ° ° and coach built motorhomes, to professionally converted or or single large losses self-converted panel vans ° Conviction free drivers through to drivers with motoring ° Vehicles registered as “Body Type: Motor Caravan” with the convictions and criminal convictions DVLA (or in the process of conversion, subject to timescales) ° Vehicles with a value over £3,000 and with no upper value limit ° Drivers aged 17 to 85 (subject to experience and vehicle type), ° All postcode areas (subject to risk profile and security apart from those with unemployed occupational status requirements) ° Vehicle or owner based in the UK ° All basis of cover (comprehensive through to “laid-up” ° SD&P, commuting, personal and company business use ADF&T)

Ways to trade Ways to trade

Manual underwriting EDI via IHP via Bordereau Manual underwriting EDI via IHP via Bordereau

ers.com/enthusiast Modified or imported We are passionate about insuring car enthusiasts who have modified or imported their vehicles, from those that choose to extensively modify their rides, to others that simply want to stand out from the crowd. Our modified and imported policy will ensure the owners pride and joy is protected.

Features and benefits

Dedicated claims Salvage retention Multi vehicle coverage Loss of keys and Up to 60 days Cover for public road handling team who option to customer for modified car lock replacement, European use rallies, trial, treasure will discuss repair following total loss collections child seat cover and per trip hunts and road safety options personal belongings and non-competitive cover rallies (exc. racing, pace-making or speed trials)

Protected no claims Stand alone discount option breakdown cover available

Appetite

° Rollovers on existing books of business ° New but substantially sized schemes

Ways to trade

Manual underwriting EDI via IHP via Bordereau

Contact [email protected] or Product access is not guaranteed, please Depending on volume, please speak to call on 0345 600 3890 speak to your Regional Development your Regional Development Manager for Manager for more information. more information.

ers.com/enthusiast The rise of the Motorhome With new Motorhome sales many of life’s richest pleasures are simple and too Further, when you factor in all of the fittings, there’s often taken for granted. Exploring the countryside considerably more that can go wrong with them. increasing by 83% in the last and enjoying quality time with our families and This is where ERS being a specialist motor insurer friends certainly fit into this category, and again, decade, this category is definitely can really help. Underwriting motorhome insurance motorhomes represents the perfect way for people policies is a complex business. We take into account one to look out for. So, what’s to get back to basics with their holiday pursuits, many different factors – from driver profile and kickstarting Britain’s tourist industry without behind this burgeoning British love motorhome manufacturer to security systems and compromising anyone’s health and safety. affair with the motorhome? mileage – to make sure that the policy we quote is Whether it’s a COVID-related purchase or a product genuinely fit for the customer’s specific needs. Well, there are several reasons. We’ve been of #vanlife inspiration, we’re seeing a substantial having hotter summers, for one thing. The all-round Because we understand the space, we can also cut increase in the number of drivers entering the through some of the popular misconceptions that experience and facilities at our campsites and magnificent world of motorhomes. holiday parks have also been steadily improving, as disadvantage certain customer segments – for have the quality and range of motorhomes available. This is great news for brokers given that all of these example, our data shows that millennial’s typically vehicles need appropriate insurance cover. But of make far few claims than older motorhome owners. It may also have something to do with Brexit; course, it isn’t always easy to find a competitive since the EU referendum, holidays to Europe have policy for these customers, particularly if it’s a declined while more than half of UK tourist businesses young and comparatively inexperienced driver have reported an increase in domestic tourism. about to get behind the wheel of a large three- And it’s certainly being encouraged by younger tonne vehicle for the first time. For brokers, the task holidaymakers. Before COVID-19 hit us, more is two-fold: firstly, secure the best possible cover than half of 25-34-year olds were already intent for existing motorhome customers; secondly, help on spending more holidays in the UK. This is an make prospective customers aware of exactly what Read more about Motorhomes environmentally-conscious audience less inclined they’re taking on. to get on a plane; a demographic in pursuit of and the importance of the High-end motorhomes can be expensive to insure, authentic ‘experiences’ over the convenience of as can younger drivers or drivers with no prior right cover in our recent blogs: conventional holiday packages. Millennials have experience operating larger vehicles. There are popularised the #vanlife hashtag and presented specific DVLA requirements on how a motorhome is A motorhome is for life not just the motorhome industry with an entirely new defined which can create all manner of confusion in customer segment. for lockdown the hands of an inexperienced insurer. Used models Then of course, during the COVID-19 ordeal, millions don’t always perform as well as new vehicles, and Preparing UK’s motorhomes for of people are in need of a wellbeing boost and, all motorhomes also require considerably more if the lockdown has taught us anything, it’s that ongoing maintenance than the average road vehicle. post-lockdown staycation boom

ers.com/enthusiast Specialist claims handlers, just in case the worst happens Nobody likes the hassle and inconvenience of making a claim so when one of your clients needs to claim on their policy we’ll deal with it quickly and efficiently to get them back on the road. Last year* we paid out on 99% of our claims, so your customers can rely on us when they need us the most.

New claims notifications Expert claims handlers Genuine parts and great A repair network for Tough on fraud Where possible, claims need to be and engineers service, every time specialist vehicles reported within 24 hours to ensure Our claims service is made up of Unless your customer says otherwise, Our approved repair network can look We have a zero tolerance approach the most suitable claims solutions experts who know and understand the we’ll always use genuine replacement after all the vehicle types we insure, to claims fraud because criminals are arranged by our dedicated specialist vehicles we insure. Our team parts for a repair and all our work from a standard car or van, to a Tesla, who create fake or exaggerated team of expert handlers. Using our of expert engineers are at the front- comes with a five-year warranty. McLaren or Bentley or even a 45T accidents negatively affect innocent Approved Repairer Network and end of each claim too so if you need Subject to policy terms, we’ll also truck. As we only work with BS10125 policyholders, adding extra costs to Third-Party capture scheme helps to get in touch, you’ll be speaking to provide a courtesy car, pick up and accredited repairers, your customers their premiums. Where we identify lower claims costs. someone who knows your vehicle and deliver the vehicle to and from your are in safe hands. When using our fraud we will always seek to prosecute. Call our handlers on 0330 123 5992 how to get it repaired quickly. Our customers’ home or workplace cleaned approved repair network, the cost is If you suspect fraud, then please or email [email protected] engineers aim to authorise the repair inside and out. on average £600 lower than a non- within 48 hours of receiving all the network repair. call our dedicated hotline on 03330 For enquiries about existing information needed. 535 892. claims, email [email protected]

*Based on claims received and declined on all motor products between January and December 2019

ers.com/enthusiasters.com/claims Your specialist Enthusiast team

Product Manager Underwriting

Adrian Moody Alan Bradbury Steve Simpson Andy Halsey Alice White Product Manager Senior Underwriter Senior Underwriter Underwriter Underwriter

Marketing Operations

Jeni Holdcroft-Young Clare Hughes Marketing Manager Operations Team Leader

for New Business Submissions, Renewals, MTAs and Cancellations for Claims [email protected] | [email protected] 0330 123 5992 [email protected] | [email protected] 0345 600 3890

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PL TQ TR ers.com/enthusiast Whether you’re looking for a Classic Car, Collections, Motorhome, Modified Car or Kit Car quote, contact our specialist team of experts at [email protected] or call 0345 600 3890

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