Our policies are available exclusively through UK brokers
Going places together
They may be everyday cars, but they’re someone’s pride and joy. So, we take just as much care providing the right type of insurance for everyday cars as we do supercars.
Access ERS rates live through your Software House. Receive our latest pricing to market and buy immediately.
Our Car features and benefits
Our Car appetite
Vehicle appetite
Vehicles valued £501-£100k (£50k+ Tracker Req.)
No limit on vehicle age
ABI groups up to 50 (ABI 1-50 categorisation) Groups
Allow up to 3 mods (4 on Classics) subject to terms
Varying appetite by vehicle type (e.g. allow ‘locked buildings’ or ‘sheds’ for Classics)
Increased vehicle terms appetite, with a broader range of vehicles being acceptable to all drivers
All vehicles must have a genuine ABI code (i.e. non-abi coded vehicles will be unacceptable)
Client profile
17-90 year olds (NB)
17-95 year olds (MTA & RNLs)
Widened claims and convictions appetite
Single ban, max 24 months length, or two bans of max 12 months length
Expanded appetite for Nil NCD (where claim free and vehicle is newly purchased)
Full UK or EU driving licence, or (for policyholder only) UK Provisional licences
NCD acceptable from Private Cars & Commercial Vehicles
Protected NCD available from 1+ years
Situation appetite
Vehicle or owner based in the UK
Most UK postcodes acceptable
Comprehensive only
SDP, Business use & Commuting
Insured Only, Insured + Spouse, Insured + Named Drivers (up to 5 drivers (incl. PH on a single policy))
Car documents
Document type
Policy documents
Are you looking for specialist Car insurance?
Software House
Car is available on Software Houses SSP, OGI, CDL, Acturis and Applied. Contact your Regional Development Manager to find out more.
Plug into ERS (PIERS)
You can now deep link into ERS’ back-end systems and pricing models via an API for friction-free trading across your customer lifecycle including new business quotes and MTAs to renewals, cancellations and document receipt.
Your Personal Motor support network
Underwriting
Suraj Sachdev
Head of Retail Non-Standard
Steve Simpson
Senior Underwriter
