A4+motor portfolio folder:Layout 1 14/8/08 14:11 Page 1

MOTOR PORTFOLIO

QBE Insurance (Europe) Limited

One Coval Wells
Chelmsford
Essex CM1 1WZ

tel +44 (0)1245 272 700

fax +44 (0)1245 272 701

e-mail motor@uk.qbe.com
www.QBEeurope.com/motor

QBE Insurance (Europe) Limited is part of QBE European Operations, a division of the QBE Insurance Group.
QBE Insurance (Europe) Limited is authorised and regulated by the Financial Services Authority.
Registered office Plantation Place, 30 Fenchurch Street, London EC3M 3BD. Registered in England and Wales No. 01761561.
Motor at a glance :Layout 1 14/8/08 14:30 Page 1

MOTOR

MOTOR AT A GLANCE
The provision of client focused insurance solutions through specialist underwriters, quality
claims handling and strategic risk management has established QBE as a market leader
in the motor insurance sector.
QBE offers private car, fleet car, commercial vehicle, coach and bus, taxis and self-drive hire
programmes, all delivered by an experienced team of specialist underwriters.
Locally empowered motor underwriters also operate from six national branches. They are able
to deliver flexible and innovative solutions, along with QBE's renowned high quality service.

MOTOR PORTFOLIO UNDERWRITING Motor Trade

• Bespoke underwriting solutions Road Risks
• Partnership approach with brokers and clients • Variable Cover options
• Risk management expertise • Demonstration use available
• Dedicated specialist claims team • Courtesy Car Provision

CAPACITY Material Damage -

up to £10m per fire separated location
Third-party property damage
• Property cover provided on a FULL theft basis
Cars £20m
Business Interruption -
Commercial vehicles £5m
Including £500,000 Book Debts cover as standard
Hazardous goods £1m
Public and Products Liability -
Unlimited cover in respect of your legal liability to £5m Limit of Indemnity
others, including passengers, for death or bodily injury.
Employer's Liability - £10m Limit of Indemnity
These limits can be increased as required, subject to
further underwriting criteria. Professional Indemnity
Terrorism Cover
PRODUCTS
We have a particular focus in the following areas: CLAIMS
All claims are handled through a dedicated, UK based,
Fleet
freephone, available 24 hours a day, 365 days of the year.
• Coach, bus and minibus
Dedicated claims handlers specialise in:
• Taxi
• Tailored claims handling solutions
• Haulage - UK and overseas
• Own damage and third-party
• Hazardous goods
• Property damage claims
• Plant and special types
• Personal injury claims
• Public sector
• Risk management
• Blue light
• Crisis management
• Commercial vehicle and private car fleets
• Funded and non-conventional risks FINANCE PACKAGES
• Pan-European including Republic of Ireland fleets Premium finance packages available on request.

Specialist Personal Lines QUALITY ASSURANCE

• Private car - specialist and bespoke portfolio Our quality assurance system has been developed in line
• Overseas - accidental damage and liability with the requirements of ISO 9001:2000 international
standard and we are fully ISO accredited.
• Niche
Motor at a glance :Layout 1 14/8/08 14:30 Page 2

MOTOR

For more information on our products and services please contact:

Matthew Crane, Managing Director

tel +44 (0) 1245 272632
email matthew.crane@uk.qbe.com

Fleet National
Steve Hodge, Head of Fleet Underwriting, wholesale Manchester
tel +44 (0)1245 272 632 Joanne McCulloch, Senior Motor Underwriter
email steve.hodge@uk.qbe.com tel +44 (0)161 838 7314
email joanne.mcculloch@uk.qbe.com
Stephen Gristwood, Portfolio Manager, retail
tel +44 (0)1245 272 508 Leeds
email steve.gristwood@uk.qbe.com Mark Bowden, Senior Motor Underwriter
tel +44 (0)113 224 5636
Kevin Sherman, Head of Motor Fleet
email mark.bowden@uk.qbe.com
tel +44 (0)1245 272 692
email kevin.sherman@uk.qbe.com Glasgow
David Cairns, Senior Motor Underwriter
Tim Ostler, Portfolio Manager, bus and coach
tel +44 (0)141 227 1516
tel +44 (0)1245 272 742
email david.cairns@uk.qbe.com
email tim.ostler@uk.qbe.com
South East
Mark Norfolk, Senior Motor Underwriter
Specialist Personal Lines
tel +44 (0)1245 343149
Steve Stone, Portfolio Manager, specialist personal lines email mark.norfolk@uk.qbe.com
and international
Birmingham
tel +44 (0)1245 272 654
Warren Knowles, Senior Motor Underwriter
email steve.stone@uk.qbe.com
tel +44 (0)121 710 1718
email warren.knowles@uk.qbe.com
Motor Trade
Republic of Ireland
Jo Treble, Underwriter, Motor Trade Joe McPartlan, Motor Underwriting Manager
tel +44 (0)1245 343154 tel +00 353 1 605 3680
email jo.treble@uk.qbe.com email Joe.McPartlan@ie.qbe.com
Stafford
Matthew Porter, Senior Motor Underwriter
tel +44 (0)1785 785 379
email matthew.porter@qbe-uk.com

Motor
QBE European Operations
One Coval Wells
Chelmsford
Essex
CM1 1WZ

tel +44 (0)1245 272 700

fax +44 (0)1245 272 701
email motor@uk.qbe.com

www.QBEeurope.com/motor

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
About QBE:Layout 1 14/8/08 14:24 Page 1

MOTOR

ABOUT QBE
The QBE motor portfolio has an uninterrupted 80-year history in the motor market, and during this
time we’ve built up an enviable reputation for fast, quality service as well as unrivalled expertise.
The motor portfolio has grown steadily over the years and encompasses the Ensign and MBP
brands. We are part of one of the world’s leading insurers, QBE, rated A+ by Standard and Poor’s.

ABOUT QBE INSURANCE GROUP OUR HISTORY

QBE Insurance Group is an internationally renowned Established in 1927, Ensign motor policies became
organisation publicly listed on the Australian stock a leading Lloyd’s motor underwriting syndicate,
exchange since 1973, headquartered in Sydney, with a specialising in risks such as haulage, coach and bus,
presence in all the key insurance markets. QBE is a lead as well as other fleet business including private car and
underwriter within its chosen markets, setting rates and an overseas account. In 1999, Ensign purchased Torch
conditions. To year-end 31 December 2007 its gross Underwriting and in 2004 was acquired by QBE
written premium totalled £5.2 billion. Insurance Group. In 2005 QBE acquired the minibus
and MPV specialist MBP. 2008 sees all motor products
branded under the QBE banner.
QBE IN THE UK
QBE is now one of the UK’s leading insurers, known
throughout the market for its healthy appetite for risk
and willingness to work flexibly in partnership with
brokers. From policy inception to claims settlement,
the QBE approach is to use our market expertise to
understand the needs of the individual client. Then we
tailor our solutions to fit those needs. We don't believe
that one size fits all or that we should follow what other
insurers do, which means we are always willing to take
a view on specialist risks.
QBE offers considerable diversity to the broking
community, both within the Lloyd's environment
and in the company arena through QBE Insurance
(Europe) Limited.

FINANCIAL STRENGTH
Standard & Poor’s insurer financial strength and
counterparty credit rating for QBE’s main insurance
subsidiaries is A+ (Stable). Fitch Ratings insurer financial
strength rating for QBE’s main underwriting subsidiaries
is A+, and the agency has also affirmed a long-term
credit rating at A. Its outlook for all ratings is Stable.
A.M. Best assigned the financial strength rating of the
QBE Group of companies A (Excellent).

For more information on QBE, please visit our website

www.QBEeurope.com/motor

• One of the UK’s largest commercial insurance companies

QBE KEY FACTS • Over 80 years of expertise in the commercial motor insurance market
• Key UK and international motor insurer
About QBE:Layout 1 14/8/08 14:24 Page 2

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
Motor fleet risk management:Layout 1 14/8/08 13:36 Page 1

MOTOR

MOTOR FLEET RISK MANAGEMENT

Expert specialist advice can help you reduce both the cost and frequency of accidents and cut
the overall cost of running your fleet. QBE works with fleet operators to analyse claims trends,
implement innovative and cost-effective solutions – and keep you up to speed with the latest
industry best practice, codes and standards.

ROAD SAFETY
QBE works in partnership with national road safety charity To save your business drivers having to make excess and
Brake, whose Fleet Safety Forum is a valuable component VAT payments to repairers, we can offer fund-processing
in the high-quality risk management information and arrangements.
advice we offer to brokers and fleet policyholders.
Our proactive Third Party Pro Activity approach ensures
The forum offers practical guidance and best-practice we maximise the proportion of innocent parties put
case studies to thousands of UK fleet operators. Fleet through the CAA repairer network.
clients who subscribe to Brake also gain password-
protected access to a wealth of information on the
Fleet Safety Forum website.
For selected fleet managers we offer free one-day
training sessions through Brake’s Road Safety Academy.
This training, which can be delivered locally at prescribed
times throughout the year equips your managers with the
knowledge and resources (including PowerPoint slides)
to deliver a one-hour awareness training presentation to
your drivers based on Brake’s Pledge to Drive Safely.

ACCIDENT MANAGEMENT
You can report car and commercial vehicle accidents
quickly and easily to our Central Claims Services
unit (CCS) at Coval Wells by telephoning freefone
0808 100 8181. We are always happy to provide you with
additional freefone cards, scene of accident information
forms and QBE disposable cameras at no charge.
We offer a rapid and efficient accident management
service through Countrywide Accident Assistance Ltd
(CAA) Ipswich. This ensures repairs are completed quickly
under strict cost-control protocols. This generates a
wealth of valuable management information, including
average repair costs and downtime, and allows you to
track your repairs online.

We promote road safety measures on preventable accidents and assist with the reduction of the frequency and cost of claims.

Our initiatives provide fleet operators with the opportunity to build a relationship and create a culture of change within their
businesses aimed at enhancing current risk management practise & procedures to ensure a continual focus on road safety
and full compliance with UK legislation and regulation.
Motor fleet risk management:Layout 1 14/8/08 13:36 Page 2

SCENE OF ACCIDENT RECOVERY

Through our partnership with Auto Rescue Logistics, we • eLearning materials to educate drivers on their safety
provide a nationwide approved recovery agent network. and behaviour
All work is carried out on a fixed pricing system (menu
and scenario based) to avoid any risk of overcharging. • Driver training covering the risks identified by Driver
Risk Assessments
All invoices over £500 are accompanied by photographic
evidence. No charges are made for vehicles or equipment • Work based education seminars for management
on standby – or for specialist equipment available but not and drivers
actually used in the recovery process. • Driver licence checking for all employees who drive
All invoices clearly define and itemise what equipment on company business
and manpower has been used and for how long. This • Ongoing monitoring and review
helps separate road risks from goods in transit covers,
especially where a load has to be recovered separately • Repeat/refresher training
from the vehicle. • Forensic accident investigation
This transparent service generates substantial savings in
an area of activity that is often overcharged. Our closely
managed approach reduces the impact of recovery on
your overall claims cost.

RISK MANAGEMENT
Working in partnership with Active Risk Management
(ARM), QBE can arrange risk assessment surveys for
selected fleet operators at key fleet locations.

Among the services ARM can offer are:

• Audits and surveys
• Fleetsafe Health & Safety policy and driver handbook
statement solution
• Online Driver Risk Assessments for all drivers

For further information and details of our risk management literature please contact Paul Dunkley on 01245 272864
who will be happy to expand on these partnerships or you can email us at motorrisk.management@uk.qbe.com

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
Motor Claims Handling:Layout 1 14/8/08 13:34 Page 1

MOTOR

CLAIMS HANDLING
We are committed to excellence in the handling of motor claims. Our claims handling service
provides specialist resources and claims handling advice for all classes of vehicle.

KEY BENEFITS SPECIALIST KNOWLEDGE

• Flexible claims reporting solutions including • Nationwide network of specialist consulting
a freephone claims reporting service motor engineers

• Corporate claims handling capability • In-house engineering expertise

• Out-of-hours claims reporting service • Strict adherence to service level agreements

• Scene of accident vehicle recovery • Committed to rehabilitation

• Guaranteed repairs through an approved • Strong anti-fraud strategy

repairer network

• Competitive labour rates and parts/paint prices AUDITING

• Vehicle collection and redelivery services for vehicles
that have been rendered immobile or unroadworthy
• Online repair tracking
• Downtime management
• Regular auditing of business partners including
inspecting consulting engineers, claims handling
agents and solicitors
• Comprehensive internal auditing processes

• Average repair cost information QUALITY ASSURANCE

• Small courtesy vehicle replacement (subject to
availability and policy cover)
• Glass/audio replacement
• Freephone cards and scene of accident information sheets
• Our quality assurance system has been developed
in line with the requirements of ISO 9001:2000
international standard
• We are fully ISO accredited

• Fund processing arrangements available RISK MANAGEMENT

• 100% UK-based claims and call handling teams • Expert recommendations

• Training guidance and advice

CLAIMS EXPERTISE
• Bespoke approach
• Bespoke claims handling procedures

• Dedicated claims handlers For more information please contact:

• Technical and strategic claims team support Motor Claims Department

QBE Insurance (Europe) Limited
• Risk management
One Coval Wells
• Crisis management Chelmsford
Essex
MANAGEMENT INFORMATION CM1 1WZ

• Regular claims reviews tel +44 (0)1245 272 700

fax +44 (0)1245 272 813
• Comprehensive management information email motor.claims@uk.qbe.com
on a regular basis
www.QBEeurope.com/motor
• Comprehensive fund account management/aggregate
erosion overview

We encourage the earliest reporting of all new incidents, within 24 hours where possible.

This enables us to provide a proactive service to both policyholders and innocent third
parties, ensuring vehicle downtime is kept to a minimum and that costs are controlled.
Motor Claims Handling:Layout 1 14/8/08 13:34 Page 2

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
QBE MBP Insert:Layout 1 14/8/08 14:26 Page 1

MOTOR

QBE – MINIBUS AND SMALL FLEET INSURANCE

QBE is the UK’s leading minibus and MPV insurance provider, working with over 4,000
intermediaries throughout the UK. Delivering insurance solutions in this complex market is our
specialism, and through detailed knowledge and understanding of all sectors we are able to
provide policies customised for both private and commercial minibuses.
Our own claims service specialises in dealing with minibus related incidents. We work closely with
our partners particularly the AA who are the UK's largest breakdown organisation, repairing more
breakdowns by the roadside than anyone else, plus a host of approved garages and repairers -
ensuring your clients' total support from the beginning of their journey to the end.

MINIBUS AND MPV INSURANCE CLAIMS

• Schools • Dedicated UK-based minibus claims team

• Colleges • Upon reporting a claim, callers are assigned a dedicated

claims negotiator who will be their one point of contact
• Universities throughout, to ensure speed and efficiency for your client.
• Nursing homes • Accident and breakdown recovery, including Homestart,
roadside assistance and onward transportation is
• Charities
provided by the AA – available 24-hours a day
• Community transport
FINANCE PACAKGES
• Private hire
Premium finance packages available on request
• Public hire
For more information on our products and services
• Youth groups please contact:
Matthew Porter, Senior Underwriter
• Private individuals tel +44 (0)1785 785 379
• Hotel/courtesy buses email matthew.porter@qbe-uk.com
or for general enquiries please contact:
• Places of worship/religion
tel +44 (0)845 603 8795
• Commercial use fax +44 (0)845 609 0320
email minibus@qbe-uk.com
• Risks containing minibuses
www.QBEeurope.com/motor

KEY PRODUCT FEATURES QBE (Stafford) Limited

Mill Court
• Uninsured loss recovery Mill Street
Stafford
• Pan-European cover ST16 2AX
• Personal accident cover for driver and passengers

• Optional public liability cover for private and public

hire operators
QBE is the UK’s leading minibus and
• Rapid quote and prompt documentation turnaround
MPV insurance provider, working with
over 4,000 intermediaries throughout
the UK.
QBE MBP Insert:Layout 1 14/8/08 14:26 Page 2

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
fleet insurance :Layout 1 14/8/08 13:29 Page 1

MOTOR

QBE – FLEET INSURANCE

Whether a client has a single vehicle or a whole fleet, you need to know that they are getting
a good-value deal, backed up by fast, efficient service. We offer an exceptional range of quality
products and services across coaches, buses and minibuses, haulage own goods and fleet cars.
At QBE we are always willing to look at risks and will try to find an innovative solution to meet a
client’s needs, including developing cross-class packages in the UK as well as in Europe. From
single vehicles to large fleets, we have no minimum or maximum premium requirements and our
coverage can be UK-based or pan-European.

COACH, BUS AND MINIBUS CROSS-CLASS PACKAGES

• Local authority • Wide range of coverages
• Community transport • Cross-class deductibles
• Education • Cross-class aggregates

• Public hire • Tailored claims handling solutions

• Stage
FINANCE PACKAGES
• Express • Premium finance packages available on request
• High-profile sports and entertainment
For more information on our products and services
• High-level self-insured programmes please contact:
and non-conventional risks
Matthew Crane – Managing Director
• Overseas tel +44 (0)1245 272 632
email matthew.crane@uk.qbe.com
COMMERCIAL Steve Hodge – Head of Fleet Underwriting, wholesale
• Haulage – UK and overseas tel +44 (0)1245 272 698
email steve.hodge@uk.qbe.com
• Own goods
Stephen Gristwood – Portfolio Manager, retail
• Hazardous goods tel +44 (0)1245 272 508
email steve.gristwood@uk.qbe.com
• Parcel delivery
Kevin Sherman – Head of Motor Fleet
• Blue light
tel +44 (0)1245 272 692
• Public and local authority email kevin.sherman@uk.qbe.com

• High-level self-insured programmes and Tim Ostler – Portfolio Manager, bus and coach
non-conventional risks tel +44 (0)1245 272 742
email tim.ostler@uk.qbe.com
• Plant and special types
Matthew Porter – Senior Underwriter
• Overseas tel +44 (0)1785 785 379
email matthew.porter@qbe-uk.com
FLEET CAR
• General
• NHS
We offer an exceptional range of
• Overseas
quality products and services across
• High-level self-insured programmes
coaches, buses and minibuses,
• Taxi haulage own goods and fleet cars.
fleet insurance :Layout 1 14/8/08 13:29 Page 2

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
specialist personal lines:Layout 1 14/8/08 13:40 Page 1

MOTOR

SPECIALIST PERSONAL LINES

This very diverse account looks to meet the demands and needs of our intermediaries to
facilitate business across all personal lines motor products and risk types. The account is
managed by specialist underwriters in their field of expertise.
The Specialist Personal Lines team is always prepared to consider difficult personal lines risks
or schemes that need a tailored approach. We rely heavily on our relationships with key
intermediaries throughout the UK, whom themselves will be specialists in their own areas.

PRIVATE CAR AND COMMERCIAL VEHICLE PENNANT

Standard private car and individual own goods small This facility is for drivers with poor conviction and/or
commercial vehicles. accident records and is for non-compensation cover only.
General enquiries General enquiries
tel +44 (0)1245 27 2570 tel +44 (0)1245 27 2570
John O’Connor, Underwriter Matt Seago, Underwriter
tel +44 (0)1245 27 2930 tel +44 (0)1245 27 2932
email john.o’connor@uk.qbe.com email john.bishop@uk.qbe.com
Eddie Smith, Underwriter Christian Smith, Assistant underwriter
tel +44 (0)1245 27 2936 tel +44 (0)1245 27 2484
email eddie.smith@uk.qbe.com email christian.smith@uk.qbe.com

NICHE, SPECIALIST, MOTORCYCLE MOTOR TRADE AND HAULAGE

AND HORSEBOX This includes road risks only motor trade and individual
This includes classics, modified, import and American haulage risks.
vehicles and classic motorcycles. Gary Clayton, Underwriter
General enquiries tel +44 (0)1245 27 2935
tel +44 (0)1245 27 2571 email gary.clayton@uk.qbe.com

Mike Slowey, Underwriter John Crabb, Assistant underwriter

tel +44 (0)1245 27 2934 tel +44 (0)1245 27 2933
email mike.slowey@uk.qbe.com email john.crabb@uk.qbe.com

Mark Atkinson, Assistant underwriter

AUDIT AND COMPLIANCE
tel +44 (0)1245 27 2908
email mark.atkinson@uk.qbe.com Lisa Mead, Specialist personal lines analyst
tel +44 (0)1245 27 2937
Sam Swaisland, Underwriter
email lisa.mead@uk.qbe.com
tel +44 (0)1245 27 2939
email sam.swaisland@uk.qbe.com
specialist personal lines:Layout 1 14/8/08 13:41 Page 2

QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority.
QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of
QBE Insurance (Europe) Limited and QBE Underwriting Limited.
A4+motor portfolio folder:Layout 1 14/8/08 14:11 Page 1

MOTOR PORTFOLIO

QBE Insurance (Europe) Limited

One Coval Wells
Chelmsford
Essex CM1 1WZ

tel +44 (0)1245 272 700

fax +44 (0)1245 272 701

e-mail motor@uk.qbe.com
www.QBEeurope.com/motor

QBE Insurance (Europe) Limited is part of QBE European Operations, a division of the QBE Insurance Group.
QBE Insurance (Europe) Limited is authorised and regulated by the Financial Services Authority.
Registered office Plantation Place, 30 Fenchurch Street, London EC3M 3BD. Registered in England and Wales No. 01761561.