QBE European Operations

Carriage of hazardous goods

The provision of client focused insurance solutions through specialist underwriting, quality claims handling and strategic risk management has established QBE as a market leading motor insurer.
Our comprehensive hazardous goods carrying product includes an extensive range of features as standard, but our experienced underwriters are also willing to take a view on specialist risks when required. We have a healthy appetite for risk and a willingness to work in partnership with brokers and clients to deliver flexible and innovative solutions to meet the individual needs of the goods vehicle operator. But it doesnt end there. We work closely with brokers and clients to minimise the frequency and cost of motor claims and our dedicated and efficient claims handling service is geared towards reducing down time and keeping administration and disruption to a minimum. We keep clients advised of compliance and regulatory developments as well as environmental issues to help develop best industry practice.

Features
A partnership approach with brokers and clients. Fast and efficient accident management and repair tracking. Legal expenses and uninsured loss recovery services. Fuel card services fixed pump prices and streamlined administration. Risk management essentials programme. Access to specialist environmental coverage written by QBEs dedicated Environmental Impairment Liability (EIL) team.

Standard features
TPPD Limit in respect of Carriage of Hazardous Goods 10 million. Environmental Statutory Liability cover for all sums including statutory debts relating to remediation costs arising from environmental damage where such liability arises under an environmental directive, statute or statutory instrument up to 1 million. Extension includes cover for primary, complementary and compensatory remediation as defined by the European Union Directive 2004/35/EC on environmental liability or any local legislation in a Member State which implements it. Higher limits of liability can be purchased up to 20 million. Cover can be expanded to include environmental risks arising from the insureds own premises, including cleanup costs (on and offsite), liability from gradual pollution and first-party business interruption. Corporate Manslaughter and Corporate Homicide Act 2007. At our own option, we will provide cover for the cost of legal expenses in respect of the defence of criminal proceedings including any appeal against a conviction arising from such criminal proceedings or allegations of corporate manslaughter or corporate homicide made against the insured or any other insured party. Spillage or Crossover cover for the insured or the insureds driver or attendant for liability for death of or bodily injury to any person or damage to property arising out of spillage or crossover provided always that such spillage or crossover arises out of an error or omission in the process of loading or unloading the insured vehicle by the insureds driver or attendant of the insured vehicle up to 500,000 in respect of any one loss or series of losses resulting from any one event. Airside cover for the insured for liability arising out of the use of any insured vehicle whilst it is on any property which is within the jurisdiction of any aerodrome, airfield, airport or military installation, up to 250,000.

Lock Replacement 1,000. Medical Expenses 500. Personal Accident Benefits 5,000. Personal Effects 250. New For Old Replacement Vehicle (for vehicles under a year old where the damage exceeds 70% of the new list price of the vehicle). Residual Value cover. Hire of Replacement Vehicle cover, up to 2,500 in respect of any one event for each insured vehicle. Goods In Transit. In respect of any one load, we will pay up to 25,000 for damage to any goods carried in any tank, tank trailer, tank container or ISO tank, caused by fire, flood, theft, accident or overturning of any insured vehicle, from the time it is loaded for the immediate commencement of transit, whilst in the ordinary course of transit and until delivered to the customers premises. Terrorism cover up to 250,000.

Specialist claims handling

QBE works with fleet operators to analyse claims trends and implement innovative and efficient tailored claims solutions. All levels of own damage and third-party claims for personal injury and property damage are handled by specialist adjusters. Where injury occurs, QBE is committed to working with injured parties to support their recovery and minimise long term damage. This service is coordinated by our award winning Rehabilitation team. Upon notification of a serious incident we initiate our Major Incident Response Service (MIRS) and deploy a highly skilled team to work with the emergency services where possible and provide support and assistance to the injured and other directly affected victims, including making travel and accommodation arrangements, managing media enquiries and providing medical rehabilitation services.

Finance packages
Premium finance packages available on request.

Claims handling
Leading edge accident management and repair tracking services providing total transparency and unrivalled access to vehicle damage images, repair costs and MI. Nationwide coverage of PAS 125 accredited repairers / 3 year repair guarantee or manufacturers guarantee maintained (whichever is greater) after completion of the repair. First Notification of Loss (FNOL). We encourage early reporting of new claims through a dedicated UK-based free phone helpline available 24 hours a day, 365 days a year. Scene of accident vehicle recovery by approved national recovery network Auto Rescue Logistics (ARL), attending within 30 minutes of incidents wherever possible for immobilised vehicles under menu pricing structure.

Quality management
Our Motor division at QBE is fully ISO 9001:2008 certified and the QBE Motor Quality Management System has been developed in line with the requirements of this International Standard. For more information please visit : www.QBEeurope.com/motor or contact: Edward.Moore@uk.qbe.com To report a claim call: 0808 100 8181 In the event of a hazardous spillage call: 0845 600 1419

QBE European Operations Plantation Place 30 Fenchurch Street London EC3M 3BD tel +44 (0)20 7105 4000 www.QBEeurope.com
4184/HAZARDOUSGOODS/INSERT/FEB2013 QBE Insurance (Europe) Limited, QBE Re (Europe) Limited and QBE Underwriting Limited are part of QBE European Operations, a division of the QBE Insurance group. All three companies are authorised and regulated by the Financial Services Authority.