Get documents about "Product Overview 2009
Document Sample
Insurance Personal Lines | Insurance Commercial Lines
Product Overview 2009
Please note: This overview document is intended for Broker use only
This booklet provides a brief outline
of the various Fortis policies.
The information is intended for Broker
use only, not for Personal Lines or
Commercial Lines customers.
All Fortis Insurance products are backed by our in-house claims helpline, Onecall.*
Onecall operates 24 hours a day, 365 days a year and your customer will have
immediate contact with a highly trained claims handler from their first call.
All Fortis commercial products** automatically include 24/7 Legal, Tax, VAT
and business assistance helplines with a 24/7 claims notification service.
* Excludes Fortis Legal Guard which is administered by B4 Insurance TM
Ltd. A 24 hour claims helpline is available.
** Excludes Fortis Fleet Guard
Product Overview Oct 09 Page 3
Contents
Personal Lines Products
Motor Guard 4
House Guard Extra 6
House Guard Prestige 8
Fortis Travel Insurance 10
Caravan and Camping Guard 12
Legal Guard 14
Fortis Insurance Commercial Online Quotations 16
Fortis Insurance Quick Quote 18
Fortis Commercial Acceptability – No Quote Guide 19
Commercial Package
Homeworkers 20
Office & Surgery 22
Property Owners 24
Semploy 26
Shopkeepers 28
Commercial Combined Products
Care Home 30
Commercial Choice 32
Distributors 34
Leisure 36
Manufacturers 38
Commercial Motor Products
Van Guard 40
Fleet 42
Contact Reference Guide 44
Page 4 Product Overview Oct 09
Motor Guard
A policy for drivers who want affordable premiums
without compromising on cover.
Covers the following:
• Accidental damage to own car for comprehensive policies
• Personal belongings, personal accident and medical expenses for comprehensive
policies
• Audio, navigational and entertainment equipment for both comprehensive and third
party, fire and theft policies
• Replacement locks and broken windows or windscreen for comprehensive policies
• Damage to own car by theft or fire for both comprehensive and third party fire & theft
policies
• Use of the car in the EU covered for 90 days for all policies, free of charge
• Up to £20 million third party property damage liability
Optional covers:
• Protected No Claims Discount (NCD) – available if four or more years NCD has been
earned to prevent NCD being stepped back provided no more than two claims are
made in any period of three years
Personal Lines Product Page 5
Other benefits:
• Backed by our in-house Onecall claims helpline, which is open 24 hours, 365 days a
year
• A courtesy car will be provided if your customer’s car is undrivable, on the next
working day (subject to availability), as long as the car can be repaired by one of our
approved repairers under a valid claim
• If your customer’s car is still mobile, the courtesy car will be delivered when their car
is collected for repair
• After repair, your customer’s car will be delivered back to them
• Repairs made by our approved repairers are guaranteed for 3 years
• If the car cannot be repaired, we will offer a settlement amount within 1 week of the
engineer’s report. Once agreed, we will send the cheque within 1 working day of
receiving satisfactory vehicle documents
• All correspondence will be answered within 5 working days of receipt
Excess Basic commission rate
£100 Choice of 7.5%, 10% or 12.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 6 Product Overview Oct 09
House Guard Extra
A straightforward reliable insurance policy offering a
variety of features giving the freedom to choose the
options that best suit the circumstances.
Covers the following:
• Affordable bedroom rated or sum insured policies available on both buildings and
contents
• Only £100 subsidence excess for properties less than 10 years old
• Building repairs guaranteed for one year
• Cover for squatters up to £10,000 within buildings cover
• Trace and access source of leak for escape of water and escape of oil causes up to
£5,000 within buildings cover
• Cover for damage caused by emergency services when gaining access to homes, up
to maximum claim limit for buildings
• Claims settled by either replacing the items, paying their cash value or by repairing or
rebuilding them
• Money covered up to £750 under contents
• Credit cards covered up to £1,000 under contents
• Freezer food covered up to £1,000 under contents
• Standard cover under contents includes accidental breakage to audio and visual
equipment, DVD players and games consoles capable of playing DVDs, desktop
personal computers, glass and mirrors up to the maximum claim limit for contents
• £5,000 increase in the maximum claim limit for contents at family weddings, birthdays
and religious festivals
• Loss or damage to contents during removal if professionally packed and carried, up
to the maximum claim limit for contents
• Shopping in transit covered up to £400 under contents
• Public, personal and property owner’s liability covered up to £2,000,000
• In-house Onecall claims helpline open 24 hours, 365 days a year
• A wide range of other helplines available
Personal Lines Product Page 7
• Full cycle EDI on the major systems or manual process
• Use of a statement of fact on all EDI business
• Premiums payable by instalments
Optional covers:
• Accidental damage extensions
• Unspecified personal belongings
• Specified personal belongings
• Pedal cycles
• Personal legal protection
Excess (starts from) Voluntary excesses Basic commission rate
£50 Available on Buildings Choice of
and Contents 15%, 20% and 25%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 8 Product Overview Oct 09
House Guard Prestige
House Guard Prestige is a full-cycle EDI sum insured
Mid-net worth home insurance product. It has been
developed for customers who have contents sums
insured from £60,000 to £150,000 and properties with
rebuilding costs up to £1 million.
Covers the following:
Buildings:
• Storm or flood
• Fire, smoke, explosion, lightning or earthquake
• Subsidence, ground heave or landslip
• The cost of tracing a leak causing escape of water or oil
• Alternative accommodation for your customer’s family and pets if their home cannot
be lived in while repairs are taking place
• £2 million property owner’s liability cover
Contents:
• £5,000 automatic worldwide cover for personal belongings, money, credit cards and
pedal cycles
• £5,000 student belongings cover (£1,000 maximum limit for any one item)
• £2,500 cover for parents or grandparents contents in a nursing or residential care
home (£1,000 maximum limit for any one item)
• £500 hole in one golf cover
• £1,000 cover for the cost of retrieving your personal or business data stored in a
computer in your customer’s home or on a solid state drive that has suffered loss or
damage
• £1,000 cover for the loss of your non-recoverable downloaded electronic data
• Contents in storage
• £400 shopping in transit cover
• Fine art is automatically covered up to 20% of the contents sum insured
Personal Lines Product Page 9
• £1,000 cover for money
• £5,000 cover for credit cards
• £2 million public and personal liability cover
Buildings and/or Contents:
• Identity theft cover
• Home assistance cover
• Garden cover
• Cost of replacing and installing locks on outside doors
Optional covers:
• Accidental damage extensions
• Option to extend unspecified personal belongings worldwide cover up to £15,000
• Option to add up to £20,000 specified personal belongings away from the home
• Option to add up to £10,000 worth of specified pedal cycles
Other policy benefits:
• Award winning Onecall claims helpline service that provides a flexible approach to
claims handling and treats each customer as an individual. This is available 24 hours
a day, 365 days a year
• A wide range of domestic and legal helplines
• Premiums payable by instalments
Excess Voluntary excesses Basic commission rate
Various Available on Buildings Choice of
and Contents 20% or 25%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 10 Product Overview Oct 09
Fortis Travel Insurance
A policy for single, annual multi-trip, business travel and
long-stay trips that offers your customer peace of mind
on their travels.
Covers the following:
• Trip cancellation
• Curtailment up to £5,000 (under single and annual multi-trip policies)
• Personal accident, personal belongings and temporary loss of personal belongings
cover
• Medical and other expenses and hospital benefit
• Money and documents up to £400
• Loss of passport up to £250
• Personal liability up to £2 million (subject to a £250 excess for claims to do with
rented accommodation. The excess waiver does not apply in this section)
• Missed departure (extra travel and accommodation expenses)
• Mugging (no cover for long-stay policies)
• Legal expenses up to £25,000
• Delay (no cover for long-stay policies)
Additional options:
• Long-stay cover (for persons aged 16-35 years)
• Annual multi-trip extended trip duration options
• Winter sports cover
• Business equipment cover
• Excess waiver
• Reduced premiums for exclusion of personal belongings cover
• Reduced premiums for exclusion of cancellation cover
Personal Lines Product Page 11
Other benefits:
• Backed by Assistance International and the Onecall claims helpline: If your customer
has an accident or falls ill while on their trip, help from Fortis’ Assistance International
is just a phone call away, no matter where they are, operating 24 hours a day,
365 days a year. An experienced, highly trained, multi-lingual team will assist your
customer in any medical situation and a worldwide network of agents are on hand to
ensure they receive the most appropriate treatment
Excess (starts from) Basic commission rate
£35 Choice of 25% and 32.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 12 Product Overview Oct 09
Caravan and Camping Guard
A policy for owners of touring and fixed site caravans,
trailer tents, caravan contents, camping equipment and
camping contents.
Covers the following:
• Awnings, toilet tents and all installations, fixtures and fittings that form an integral part
of the caravan or trailer tent covered under the definition of caravan
• Loss of hire charges for fixed site caravans due to loss or damage which occurs after
the bookings were made – £40 per day, up to a maximum of £400
• Cover in Europe automatically provided up to 100 days in any one period of
insurance
• Audio cover in caravans included for up to £100 per incident
• Premiums can be paid by instalments (apart from camping policies and premiums
below £50)
• Loss or damage while the caravan is being towed included up to the maximum claim
limit or the current market value
• Protection and removal to the nearest competent repairer
• Delivery after the caravan or trailer tent has been repaired, to the home address or
the address where the caravan is normally kept
• Liability to third parties up to £2,000,000
• Alternative accommodation covered up to £50 per day up to a maximum of £600 in
any one period of insurance
• Disputes arising from storing a caravan at the home address up to a maximum of
£100 in any one period of insurance
• Expenses occurring from the sole person who can tow the caravan becoming ill of
£50 per day, up to a maximum of £600 in any one period of insurance
• In-house claims helpline Onecall open 24 hours, 365 days a year
Personal Lines Product Page 13
Optional covers:
• Caravan contents
• Camping equipment
• Camping contents
Excess (starts from) Basic commission rate
£50 15%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 14 Product Overview Oct 09
Legal Guard
Fortis Legal Guard legal insurance products offer market
leading cover and benefits, supported by some of the
UK’s leading providers of legal, medical and replacement
vehicle services.
Individual and Family Legal Insurance (standalone with motor, cv and fleet)
Standard cover includes the following:
• £100,000 legal insurance cover
• Cover for any type of non-fault accident
• Cover for the policyholder and all family members
• Cover for passengers in road traffic accidents (fault and non-fault)
• Immediate access to physiotherapy treatment
• Immediate access to a ‘like for like’ replacement vehicle (road traffic accident)
Household Legal Insurance (standalone with household)
Standard cover includes the following:
• £100,000 legal insurance cover
• Cover for any type of non-fault accident
• Cover for the policyholder and all family members
• Cover for civil disputes including:
- consumer
- property
- employment
- motor prosecution
Personal Lines Product Page 15
Other benefits:
• Fortis Legal Guard is standalone, therefore it is able to be sold alongside any motor,
commercial vehicle, fleet or household insurance policies.
• Cover for the policyholder and family members
• Immediate access to a panel solicitor
• Recovery of all uninsured losses
• Cover in UK and EU countries (Cover in UK, Channel Islands and Isle of Man for
Household Legal Insurance)
• Access to market leading legal, medical and replacement vehicle providers
• Claims Helpline – 24/7
• Legal Helpline – 24/7
For full details on Fortis Legal Guard and associated referral fees and rates call our
Business Development team (please refer to Contact Reference Guide on page 44).
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 16 Product Overview Oct 09
Fortis Insurance Commercial
Online Quotations
Online commercial quotations available on the Fortis
website www.fortisinsurance.co.uk/agents for:
• Shops (single premises)
• Restaurants (single premises)
• Takeaways (single premises)
• Hairdressers (single premises)
• Property owners (multiple premises) - shops, offices and residential properties
• Semploy
• Offices and surgeries
• Homeworker
To Use
• Log onto the Fortis website www.fortisinsurance.co.uk/agents
• Log in using your agency number, personal user name and password – If this is
your first visit phone 0845 168 5460 and our website help desk staff will guide you
through the simple initial set up process
• Click onto ‘Commercial online quotations’ on the right hand side of the page,
download the commercial on-line quotation question user guide
• Click on the ‘Launch Quotations’ option
• Select the product you require a quote on in the ‘Getting Started’ page
• Follow the on-screen instructions
Commercial Lines Product Page 17
Key Benefits
• Statement of fact on all products
• Extra discount of up to 5% for shops, offices, surgeries, property owners and
homeworkers available at quotation stage
• Hold covered documents instantly generated as PDF documents when business is
closed
• Fast quotation
• Few screens
• Standard cover is defaulted, but flexibility remains available
• Full policy documents issued within 2 working days
• Specimen policy documents, policy summaries and Endorsement wordings for all
products available in PDF format
• All PDF documents available for immediate print and saving to your computer and/or
email to your client
Page 18 Product Overview Oct 09
Fortis Insurance Quick Quote
Fortis Quick Quote telephone service provides
competitive quotes for single premises.
• Shops
• Pubs
• Restaurants
• Takeaways
• Hairdressers and Beauty Therapists
• Offices
• Property Owners - shops, offices and
residential properties
• Surgeries, including doctors, dentists
and veterinary surgeries
Quotes are provided within 10 minutes by trained underwriters, with confirmation by fax
or email. Documentation is provided to you within 24 hours. New business is handled by
a statement of fact
Step 1: Contact us
Phone: 0845 120 4422 (Open 9.00am - 5.00pm, Mon-Fri)
Fax: 0845 122 3284
Email: quickquoteuk@fortisinsurance.co.uk
Step 2: Underwriter will run through a structured question set with you
Step 3: You will be given a quote during the phone call and confirmation by fax or email
Step 4: When quote is accepted a policy, schedule and Statement of Fact will be
despatched immediately
If your package quotation needs referral outside of Quick Quote – it will be immediate.
Commercial Lines Product Page 19
Fortis Commercial Acceptability
– No Quote Guide
We underwrite a wide spectrum of SME risks. Within
each of our products a large number of trades are
catered for, however to let you know what we can’t
help you with, we have compiled a list of areas of cover
which we currently do not quote for:
• Contractors combined
• Farms
• Hauliers
• Motor trade
• Nightclubs
• Religious establishments
• Education
• Public sector
• Northern Ireland
• Liability only - apart from Semploy
• Commercial motor risks (other than Commercial Vehicle)
• Multi-tenure property (other than offices/residential)
• DSS placement or student accommodation
• Unoccupied property unless part of a larger schedule
• Businesses with poor risk management
If we are unable to provide a quotation we will still respond to your enquiry within 2
working days and always include a reason.
Page 20 Product Overview Oct 09
Homeworkers
Suitable for a wide variety of trades, includes a work
away option. We offer a broad range of standard cover
with flexible options.
Property
Standard cover with trade contents includes:
• Accidental damage including theft and subsidence
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Business contents - accidental damage basis
• Stock and customers goods
• Computers £10,000
• Goods in transit £5,000
• Frozen food £2,000
• Money and malicious attack
• Glass and signs
• Most standard limits can be increased
Optional covers:
• All risks (UK Europe or worldwide options)
• Increased limits on standard covers
Business Interruption
• £100,000 loss of revenue/ICOW
• Loss of income following machinery or computer equipment breakdown £50,000
• Book debts £25,000
• Denial of access
• Public utilities (terminal ends) £100,000
• Suppliers/customers limit £25,000
• Cost of alternative accommodation £10,000
Commercial Lines Product Page 21
Optional covers:
• Increased sums insured and limits
• Inclusion of other extensions
Liability
Cover includes:
• Employers’ liability £10m any one occurrence
• Public liability £2m any one occurrence (can be increased)
• Products liability £2m any one period (can be increased)
Optional covers:
• Inclusion of work away option
Legal Expenses
• £50,000 limit with option to increase to £100,000
Also available, cover for
• Buildings
• Contents
• Personal possessions
Excess Minimum premium Basic commission rate
£50/£100 £175 20%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 22 Product Overview Oct 09
Office & Surgery
A package policy suitable for professional offices and
surgeries with flexibility to increase limits suited to the
business needs.
Property
Standard cover with trade contents:
• Fire, perils and accidental damage basis of cover
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Trade contents includes up to £10,000 computer equipment
• Includes full theft, money, malicious attack, and glass
• Wide range of standard extensions
Optional covers:
• Buildings
• All risks (UK Europe or worldwide options)
• Deterioration of refrigerated drugs in surgeries
• Fidelity guarantee
• Terrorism
Business Interruption
Cover includes:
• £500,000 gross revenue cover with 24 months indemnity period (which can be
increased)
• Loss of income following machinery or computer equipment breakdown £50,000
• Public utilities, prevention of access, transit
• Book debts £25,000, which can be increased
• Food poisoning, vermin, infestation, defective sanitation, murder, suicide and
notifiable diseases
• Unspecified customers/suppliers extensions £25,000
Commercial Lines Product Page 23
Liability
Cover includes:
• Employers’ liability £10m
• Public liability £2m limit (option to increase)
• Products liability £2m (option to increase)
Legal Expenses
• £50,000 limit with option to increase to £100,000
Excess Minimum premium Basic commission rate
£100 £175 17.5%
(higher in some areas)
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 24 Product Overview Oct 09
Property Owners
A package policy for the property owner. The product
has in-built flexibility to handle single premises or the
multi-location portfolio. It is also designed to handle
commercial and/or residential properties within the
same policy.
Property
Standard cover includes the following:
• Includes accidental damage or specified perils
• Machinery breakdown up to £1,000,000
• Theft damage
• Glass breakage
• Contents of common areas (£10,000 included automatically if appropriate)
• Landscape garden expenses £5,000
• Day one basis (125% limit included automatically)
• Upgrading of undamaged parts 15% limit (public authority)
• Loss of metered water £2,500
• Trace and access £5,000
• Accidental loss of oil or LPG £2,500
Optional covers:
• Landlords contents
• Subsidence
• Terrorism
Commercial Lines Product Page 25
Optional Loss of Rent Cover, including:
• Loss of rent following machinery breakdown £50,000
• Rent reviews (up to 100% of sum insured)
• Alternative accommodation (up to 50% of sum insured)
• Public utilities
• Prevention of access
Liability
Cover includes:
• Employers’ liability £10m any one occurrence - clerical, caretakers and maintenance
employees, up to £10,000 payroll included automatically
• Property owners liability £2m any one occurrence (can be increased)
Legal Expenses:
• £50,000 limit with option to increase to £100,000
Excess Minimum premium Basic commission rate
£100 £100 17.5%
(higher in some areas)
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 26 Product Overview Oct 09
Semploy
Cover for the self employed with up to 6 manual /
non-manual workers. Handled on a Statement of Fact,
Semploy includes up to 20% NCD, a wide range of
trades, availability of cover for most trades without
previous experience, plus the facility for instalments on
cases over £200.
Public Liability
Cover includes:
• Options for £1m, £2m and £5m limits including products supplied
Employers’ Liability
Cover includes:
• £10m limit, free cover for up to a maximum of six clerical staff and 50 days for
temporary employees (where cover for manual/non-manual employees is in force)
Tools and Stock in Transit
Cover includes:
• Loss of or damage to tools and equipment owned or hired, and stock and materials
in transit
• £1500 or £2500 limit per person/period of insurance, £750 single article limit
• Tools of all principals, partners, directors and employees
Cover excludes:
• Theft from unattended motor vehicles between 9.00pm and 6.00am unless the
vehicle is contained in a securely locked building or guarded compound
Commercial Lines Product Page 27
Excesses
• Public liability £100 property damage increased to £250 for trades where either heat
is used, or where the business may involve groundworks
• Additional £250 where the insured has less than 2 years experience in the trade
• Additional £1000 for damage to fibre optic cables
• Tools £100
Excess Minimum premium Basic commission rate
as above Premiums start as 20%
low as £50
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 28 Product Overview Oct 09
Shopkeepers
For many years we have been known as a consistent
player in the shop insurance market. Our package policy
provides quality cover for most retail risks including
public houses, cafes, restaurants, takeaways and
hairdressers.
Property
Standard cover includes the following:
• Trade contents includes up to £10,000 computer equipment
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Fire, perils and accidental damage basis
• Theft, malicious attack and glass
• Money in transit or premises during business hours - £5,000
• Cash in safe - £2,500, coin operated machines - £500
• Wide range of extensions including automatic seasonal 25% increase, exhibitions
limit £2,500, theft of keys £1,000, Loss of oil and LPG £2,500
• Goods in transit £2,500
• Most standard limits can be increased
Optional covers:
• Buildings
• Fidelity guarantee
• Household contents
• Deterioration of stock
• All risks (UK Europe or worldwide options)
• Terrorism
Business Interruption Cover includes:
• £500,000 Gross Profit 24 MIP included automatically (which can be increased)
• Loss of income following machinery or computer equipment breakdown £50,000
• Book debts £25,000 sum insured (which can be increased)
• Denial of access
Commercial Lines Product Page 29
• Public utilities (terminal ends)
• Unspecified customers and suppliers extensions £25,000 limit (can be increased)
• Murder, suicide, food poisoning and notifiable diseases
• Transit
Optional covers:
• Loss of licence
• Range of extensions
Liability
Cover includes:
• Employers’ liability £10 million any one occurrence
• Public liability £2 million any one occurrence
(can be increased)
• Product liability £2 million in any one period
(can be increased)
Optional covers:
• Work away (collection/delivery already included)
• Hairdressers and beauty treatment extensions
Legal Expenses
• £50,000 limit with option to increase to £100,000
Also available, cover for
• Personal accident
Excess Minimum premium Basic commission rate
£150 £225 17.5%
(higher in some areas)
Terms, conditions and excesses apply. Please refer to the
policy booklet and policy summary for further details.
Page 30 Product Overview Oct 09
Care Home
A package policy for registered care homes for the
elderly including homes providing nursing care. We offer
broad standard cover with flexible options.
Property
Standard cover with trade contents includes:
• Accidental damage and subsidence
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Full theft, money, malicious attack and glass
• Deterioration of frozen food, medicines and drugs £2,000
• Standard extensions include automatic seasonal increase 25%, exhibitions £2,500,
theft of keys £1,000, theft of garden implements and furniture £1,500
• Trade contents includes cover up to £10,000 for computer equipment
Business Interruption
In addition to loss of revenue, standard cover includes:
• Loss of income following machinery or computer equipment breakdown £50,000
• Unspecified suppliers
• Public utilities (full failure)
• Book debts
• Notifiable disease (premises), poisoning, defective drains and murder or suicide
• Denial of access
• Transit
• Alternative accommodation
Optional cover:
• Option to include loss of registration certificate
Commercial Lines Product Page 31
Liability
Cover includes:
• Employers’ liability £10m any one occurrence
• Public liability £5m any one occurrence
• Product liability £5m any one period of insurance
• Nursing malpractice £5m any one occurrence
• Personal liability cover for residents and staff £1m per occurrence
• Options to include day care provision and work away including meals on wheels and
domiciliary care
Goods in Transit
• Trade contents, stock and residents effects in transit carried in own vehicle up to
£1,000 unless a higher limit requested
Legal Expenses
• £100,000 including statutory licence protection and contract disputes
Optional
• Fidelity guarantee
• Personal accident cover can be arranged for individuals or groups of employees on
an occupational basis or full 24 hours basis
Excess Minimum premium Basic commission rate
£200 £500 17.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 32 Product Overview Oct 09
Commercial Choice
Our traditional combined policy used for cases and
sectors outside the range of our other products. This
product is flexible in the sections of cover it can provide,
it means that we can cater for more than one type of
business and trade and the insured is able to combine
covers under one policy.
Available cover includes the following:
Property
• Specified perils basis with theft, subsidence, accidental damage and terrorism
options and a wide range of standard extensions
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Trade contents / stock
• Buildings
• Glass, blinds and signs
• Money and malicious attack
• All risks (UK Europe or worldwide options)
• Deterioration of frozen stock
• Household contents
• Fidelity guarantee
Business Interruption
Cover can include:
• Gross profit or gross revenue cover available either standard or declaration linked
with options for ICOW, AICOW, Loss of Licence and others
• Full range of optional extensions
Commercial Lines Product Page 33
Liability
Cover includes:
• Employers’ liability £10m limit any one occurrence
• Public liability options up to £5m limit any one occurrence
• Products options up to £5m limit any one period
• Treatment risk
• Work away from the premises
Also available, cover for
• Goods in transit
• Personal accident for selected trades
• Legal expenses
• Fidelity guarantee
Excess Minimum premium Basic commission rate
Various £500 17.5%
(higher in some areas)
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 34 Product Overview Oct 09
Distributors
A combined policy for the wholesaler/distributor with
the ability to select the covers typically needed for
businesses in this sector.
Property
Standard cover with trade contents includes:
• Fire, perils and accidental damage including impact damage by fork lift trucks
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Trade contents includes cover up to £10,000 for computer equipment
• Theft, money, malicious attack and glass
• Wide range of standard extensions including loss of metered water limit £2,500, trace
and access limit £5,000, landscaping expenses limit £5,000, exhibition premises limit
£2,500, and third party storage locations limit £5,000
• Most standard limits can be increased
Optional covers:
• Buildings
• Deterioration of stock
• All risks (UK Europe or worldwide options)
• Terrorism
Business Interruption
When requested, in addition to gross profit, standard cover includes:
• Loss of income following machinery or computer equipment breakdown £50,000
• Unspecified suppliers - £25,000 (can be increased)
• Unspecified customers - £25,000 (can be increased)
• Public utilities
• Prevention of access
• Transit - £5,000 (can be increased)
• Book debts - £25,000 (can be increased)
Commercial Lines Product Page 35
Optional covers:
• Additional extensions
• AICOW
• Declaration linked basis
Liability
Cover includes:
• Employers’ liability £10 million any one occurrence
• Public liability up to £5 million any one occurrence
• Product liability up to £5 million any one period
• Work away from the premises (collection/delivery already included)
Legal Expenses
• £50,000 limit with option to increase to £100,000
Also available, cover for
• Goods in transit
• Personal accident
• Fidelity guarantee
Excess (starts from) Minimum premium Basic commission rate
£100 £500 17.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 36 Product Overview Oct 09
Leisure
A comprehensive, easy to administer package of covers
with flexibility and options to suit a range of businesses
in the leisure sector.
Property
Standard cover with trade contents includes:
• Accidental damage
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Trade contents includes cover up to £10,000 for computer equipment
• Contents includes cups, trophies, club memorabilia, curios, pictures, works of art and
antiques, £2,500 per item and £10,000 in total, gold or silver tableware and fittings
£500 per item and £5,000 in total
• Deterioration of stock £2,000
• Money in transit or on premises during business hours £5,000. Cash in safe £2,500
and in vending or gaming machines £500
• Extensions include seasonal increase, theft of keys, changing room contents, non
return of cups and trophies, exhibitions, loss of beverages, theft of garden furniture
and full theft cover for premises providing overnight accommodation
• Most standard limits can be increased
Business Interruption
Standard cover includes:
• Loss of income following machinery or computer equipment breakdown £50,000
• £250,000 loss of net revenue
• Book debts, denial of access, public utilities, suppliers
and customers extensions, transit, murder, suicide, food poisoning, defective drains
and notifiable disease
• Loss of licence options
Commercial Lines Product Page 37
Liability
Cover includes:
• Employers liability £10m any one occurence
• Public liability £2m any one occurence (can be increased)
• Products liability £2m any one period of insurance (can be increased)
Goods in Transit
• Cover up to £5,000
Legal Expenses
• £50,000 limit with option to increase to £100,000
Also available, cover for:
• Buildings, guests’ effects, household covers, damage to playing surfaces and greens
• Ground maintenance and irrigation equipment, floodlights, nets, screens and other
sports equipment in the open
• Refund of members subscriptions following illness or accident
• Loss of premises licence for alcohol, entertainment or late night refreshment
• Hairdresser’s and beauty treatments, members liability, hirers liability
• Fidelity guarantee, personal accident and terrorism
Standard limits can be increased on request.
Target Market
• Hotels and guest houses, fitness centres, public halls, social clubs, amateur sports
clubs, and leisure learning businesses
Excess (starts from) Minimum premium Basic commission rate
£100 £250 17.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 38 Product Overview Oct 09
Manufacturers
A combined policy for the manufacturing industry,
where covers can be selected appropriate to the
client’s needs.
Property
Standard cover with trade contents includes:
• Fire, perils and accidental damage including impact damage by fork lift trucks
• Machinery breakdown up to £1,000,000
• Computer equipment breakdown up to £100,000
• Trade contents includes cover up to £10,000 for computer equipment
• Theft, money, malicious attack and glass
• Wide range of standard extensions including loss of metered water limit £2,500, trace
and access limit £5,000, landscaping expenses limit £5,000, exhibition premises limit
£2,500, and third party storage locations limit £5,000
• Most standard limits can be increased
Optional covers:
• Buildings
• Deterioration of stock
• All risks (UK Europe or worldwide options)
• Terrorism
Business Interruption
When requested, in addition to gross profit, standard cover includes:
• Loss of income following machinery or computer equipment breakdown £50,000
• Unspecified suppliers - £25,000 (can be increased)
• Unspecified customers - £25,000 (can be increased)
• Public utilities
• Prevention of access
• Transit - £5,000 (can be increased)
• Book debts - £25,000 (can be increased)
Commercial Lines Product Page 39
Optional covers:
• Additional extensions
• AICOW
• Declaration linked basis
Liability
Cover includes:
• Employers’ liability £10 million any one occurrence
• Public liability up to £5 million any one occurrence
• Product liability up to £5 million any one period
• Work away
Legal Expenses
• £50,000 limit with option to increase to £100,000
Also available, cover for
• Goods in transit
• Personal accident
• Fidelity guarantee
Excess (starts from) Minimum premium Basic commission rate
£100 £500 17.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 40 Product Overview Oct 09
Van Guard
Full Cycle EDI commercial vehicle product for vehicles
up to 3.5 tonnes, targeted at small businesses with
drivers aged 21-69 (30-69 in Northern Ireland).
Covers the following:
• Vehicles valued at up to £30,000 for comprehensive policies and £5,000 for third
party fire and theft policies
• Free replacement van for up to seven days while the insured vehicle is unroadworthy
in the event of an accident (for comprehensive policies only)
• Repairs made by our approved repairers are guaranteed for 3 years
• New vehicle replacement cover if the vehicle is less than a year old (subject to
conditions, comprehensive policies only)
• Free European cover for up to 90 days for social, domestic and pleasure trips
• Unlimited audio equipment cover for standard manufacturer fitted equipment and
£300 for non-standard manufacturer equipment for comprehensive policies only.
£300 audio equipment cover for third party fire and theft policies
• £500 replacement locks cover (for comprehensive
policies only)
• Personal belongings, medical expenses and personal accident (for comprehensive
policies only)
• Fortis Onecall in-house claims helpline, open 24 hours, 365 days a year
Optional covers:
• Protected No Claims Discount (NCD) - available if four or more years NCD has been
earned, to prevent NCD being stepped back provided no more that two claims are
made in any period of three years
Commercial Lines Product Page 41
Available discounts:
• No claims discount
• Security discounts
• Restricted driving discount
• Mileage discounts
• Voluntary excess discount
Voluntary Excess (starts from) Basic commission rate
£50 Choice of
10% and 12.5%
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 42 Product Overview Oct 09
Fortis Fleet Guard*
A motor policy for businesses with more than two
company vehicles. This product incorporates an
innovative approach to rating, recognising the individual
risk characteristics, claim frequency and claim costs.
*Available on general release from 1st January 2010.
Main covers available (elements of cover can be adjusted in negotiations)
Comprehensive:
• New vehicle replacement cover for cars as well as commercial vehicles up to 3.5
tonnes GVW if repair is uneconomical and vehicle is less than one year old
• To complement our usual courtesy car provision we have a free provision of a
replacement van for up to 7 days to keep your customer mobile when their van is
damaged (vans <3.5 tonnes)
• No limit on permanently fitted telephone and communication equipment, audio,
navigation and entertainment equipment
• No excess on windscreen repair provided windscreen cover applies
• Cover for personal effects, medical expenses and personal accident
• Replacement locks cover
• 24 hour claims helpline with approved repairer network
Third Party Fire and Theft
• Third Party covers plus loss or damage to the vehicle by fire or theft
• New vehicle replacement cover for cars as well as commercial vehicles up to 3.5
tonnes GVW if repair is uneconomical and vehicle is less than one year old
Third Party Only
• Third Party liability cover including:-
• Unauthorised movement cover
• Principals indemnity
• Third party contingency
• Unauthorised use
• Joint indemnity
Commercial Lines Product Page 43
Key policy benefits and target risks:
• Targeting car and commercial vehicles (non haulage)
• Risks between 3 and 50 vehicles
• Non hazardous loads and areas
• Predominantly comprehensive risks
• Not in target area – motor trade, private and public hire, airside risks, employee car
ownership
• Statement of facts – no proposal form
• Full EU and EEA cover
• Occasional Business Use cover available for employees using their own vehicles on
the customers business subject to exposure information and charge
• Legal expenses cover for non fault claims including like for like replacement vehicles
and physiotherapy included in price
Includes 24 hour, 365 days a year Onecall claims helpline.
Fortis Fleet Guard offers the following repair services following an incident in the UK
• Arrange for an approved repairer to contact the policyholder or driver
• No need for the policy holder to get estimates, repairs can begin immediately after
Fortis have authorised them
• The repairer will arrange to deliver the vehicle back at a convenient time
• Fortis will pay the repair bill (subject to deduction of excess and VAT)
• Replacement courtesy vehicle service for comprehensive policyholders – cars and
vans up to 3.5 tonnes only
Excess (starts from) Minimum premium Basic commission rate
£100 £1,000 10% (negotiable)
Terms, conditions and excesses apply. Please refer to the policy booklet and policy
summary for further details.
Page 44 Product Overview Oct 09
Contact Reference Guide
Here to help you and your customers.
Customer Services Department – Personal Lines
Open 8.30am – 5.30pm Monday to Friday
Phone Fax
Motor (inc. van), Caravan 0845 122 3288 0845 122 3010
and Camping, Travel and
Household
Stationery orders Fax requests 0845 122 3015
or via our website
Underwriting Department – Commercial Lines
Open 9.00am – 5.00pm Monday to Friday
Phone Fax
Commercial Operational teams 0845 120 4422 0845 122 3014 /
• Semploy 0845 122 3284
• Quick Quote
• Commercial Instalments
New Quotations for
• Office and Surgery
• Property Owners
• Shopkeepers
Fleet Guard 0845 122 3288 0845 122 3010
Commercial Underwriters Refer to the Underwriters 0845 122 3014/
direct dial numbers 0845 122 3284
Travel Health Line
Open 9.00am – 6.30pm Monday – Friday, 9.00am – 5.00pm Saturday
Phone Fax
Travel Health Line 0845 122 3297 Only for customers
who cannot agree the
declaration
If processing a policy via the Fortis Travel Web all medical screening is carried out online.
The above number should not be used.
Contact Reference Guide Page 45
Claims Open 24 hours, 365 days a year
Phone Fax
Onecall Motor 0845 122 3018 -
Onecall Van 0845 122 3260 -
Onecall Household 0845 122 3019 -
Onecall Prestige Household 0845 168 5685 -
Onecall Caravan & Camping 0845 122 3019 -
Onecall Travel 0845 122 3280 -
Assistance International +44 23 8064 4633 -
(medical emergencies only)
Commercial including Semploy 0845 122 3283 0845 122 3017
Fleet 0845 125 8833 -
We may record or monitor calls for training purposes or to improve the quality of our service and to
prevent and detect fraud.
For Written Correspondence
Please check the address on all correspondence as some are dealt with at both sites.
Eastleigh Gloucester
Processing Travel Motor, Van, Household, Caravan
& Camping, Commercial
including Semploy and Fleet
Travel, Motor,
Van, Commercial including
Underwriting queries Household, Caravan
Semploy and Fleet
& Camping
Motor, Van, Household, Caravan
Motor, Household,
Claims & Camping, Commercial
Travel
including Semploy and Fleet
Credit Management
Agency Support team Tel: 0845 122 3287 Fax: 0845 122 3286
Accounts payments: Please call the contact number at the top of your accounts statements
Business Development Team
Tel: 0845 120 0516 Fax: 0845 121 4975
Email: talkback@fortisinsurance.co.uk Website: www.fortisinsurance.co.uk
Page 46 Product Overview Oct 09
Notes
Contact Reference Guide Page 47
Notes
Fortis Insurance Limited
Office addresses
Registered address
2008
Fortis House
Tollgate
Eastleigh
Hampshire
SO53 3YA
2008
Fortis House
The Square
Gloucester Business Park
Brockworth
Gloucester
GL3 4AD
talkback@fortisinsurance.co.uk
www.fortisinsurance.co.uk
Registered Number 354568
Fortis Insurance Limited is authorised
and regulated by the Financial Services
Authority
MKT152 Oct 09
