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QBE Motor Portfolio brochure

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									Motor Portfolio
About QBE

A GLOBAL PARTNER
QBE is one of the world’s top insurers
and reinsurers. Organised into four
operating divisions, Australia, Asia
Pacific, European Operations and
the Americas, we have offices in 48
countries around the globe and have
a presence in all the key insurance
markets. We are specialists in every line
of business we write and aim to be a
leader in every one of our territories.


Why choose QBE?                                   QBE European Operations differentiates itself     DELIVERING – by understanding the
                                                  by striving for excellence in five core areas:    market better and the particular risks
Our size allows us to tailor packages to                                                            associated with that product, we are more
clients’ precise needs. It also means we can      STRONG – we understand the importance             responsive to the client’s needs and are able
settle claims quickly and fairly which all adds   of security in the insurance decision making      to deliver a solution that satisfies everyone’s
up to a great service for you and your clients.   process. The strength of our ratings and          requirements.
                                                  financial backing gives us a real advantage
We believe in taking an independent               in the market. For more information about         EMPOWERING – at every stage of the
approach and we encourage all our people          our financial strength and growing market         relationship we encourage a can do spirit.
to think for themselves and look for innovative   presence please refer to the sheet titled         This means that more often than not a
solutions to business challenges. This has        “QBE at a glance” enclosed.                       decision can be made at a local level without
allowed us to develop a healthy appetite for                                                        the need to refer upwards. Ultimately you
risk and take on business other insurers          ENTREPRENEURIAL – at QBE we are                   benefit from quicker decision making and
might refuse.                                     always looking for solutions to business risks,   faster solutions.
                                                  which means working closely with you and
                                                  your clients, understanding their business in     SPECIALISING – our teams are specialists
                                                  order to create the right product for them.       in every business line which means they will
                                                                                                    not only help you generate new business but
                                                                                                    also ensure you have a clear understanding
                                                                                                    of our business model.
Motor

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.
Our history                                                     About QBE Insurance Group
Established in 1927, Ensign motor                               QBE Insurance Group is an internationally
policies became a leading Lloyd’s motor                         renowned organisation publicly listed on
underwriting syndicate, specialising in risks                   the Australian stock exchange since 1973,
such as haulage, coach and bus, as well                         headquartered in Sydney, with a presence
as other fleet business including private car                   in all the key insurance markets. QBE is a
and an overseas account. In 1999, Ensign                        lead underwriter within its chosen markets,
purchased Torch Underwriting and in 2004                        setting rates and conditions. To year-end
was acquired by QBE Insurance Group. In                         31 December 2009 its gross written
2005 QBE acquired the minibus and MPV                           premium totalled £7.2 billion.
specialist MBP. In 2008 all motor products
were branded under the QBE banner.                              QBE in the UK
                                                                QBE is one of the UK’s leading insurers,
Since March 2010, the motor portfolio also
                                                                known throughout the market for its
includes a stand alone product protection
                                                                healthy appetite for risk and willingness
offering, which, amongst other insurance
                                                                to work flexibly in partnership with brokers.
solutions, offers gap and warranty products.
                                                                From policy inception to claims settlement,
Key facts                                                       the QBE approach is to use our market
                                                                expertise to understand the needs of
•     One of the UK’s largest fleet                             the individual client. Then we tailor our
      commercial motor insurance                                solutions to fit those needs. We don't
      companies                                                 believe that one size fits all or that we
•     Over 80 years of expertise in the                         should follow what other insurers do,
      commercial motor insurance market                         which means we are always willing to                            www.QBEeurope.com/motor
                                                                take a view on specialist risks.
•     Key UK and international commercial
      motor insurer
                                                                QBE offers considerable diversity to the
•     Rated Best Insurer – Commercial                           broking community, with the added
      Motor (Post Magazine/Insurance                            flexibility of our dual pen capability. This
      360 Business Insurers Insight                             means you have the choice whichever is
      Study 2009)                                               best for your clients, either Lloyd’s security,
•     We are fully ISO accredited and the                       where we are one the largest managing
      Motor Quality Management system                           agents, or company paper.
      has been developed in line with the
      requirements of ISO 9001:2008
      International Standard.


618/MOTORPORTFOLIO/ABOUTMOTOR/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Motor
Commercial Vehicle Insurance


Whether a client has a single                                                                                                   Contacts
                                                                                                                                For more information on our products
vehicle or a whole fleet, you need                                                                                              and services please contact:
to know that they are getting a                                                                                                 Steve Hodge
good value deal, backed up by                                                                                                   Head of Fleet Underwriting
                                                                                                                                Telephone: +44 (0)1245 272 698
fast, efficient service.                                                                                                        E-mail: steve.hodge@uk.qbe.com

                                                                                                                                Stephen Gristwood
                                                                                                                                Portfolio Manager, Retail
We offer an exceptional range of quality                                                                                        Telephone: +44 (0)1245 272 508
                                                                Fleet car                                                       E-mail: stephen.gristwood@uk.qbe.com
products and services across haulage,
own goods and fleet cars.                                       •     General
                                                                                                                                Kevin Sherman
                                                                •     NHS
At QBE we are always willing to look at                                                                                         Head of Fleet Motor
risks and will try to find an innovative                        •     Overseas                                                  Telephone: +44 (0)1245 272 692
solution to meet a client’s needs, including                                                                                    E-mail: kevin.sherman@uk.qbe.com
                                                                •     High level self-insured programmes
developing cross-class packages in the                                and non-conventional risks.
                                                                                                                                Steven Dickie
UK as well as in Europe. From single
                                                                                                                                Portfolio Manager
vehicles to large fleets, we have no                            Cross-class packages                                            Telephone: +44 (0)1245 272 709
minimum or maximum premium
                                                                •     Wide range of coverages                                   E-mail: steven.dickie@uk.qbe.com
requirements and our coverage can
be UK based or pan-European.                                    •     Cross-class deductibles
                                                                                                                                Mark Thomason
                                                                •     Cross-class aggregates                                    Senior Underwriter, Fleet
Commercial
                                                                                                                                Telephone: +44 (0)1785 785 372
                                                                •     Tailored claims handling solutions.
•     Haulage – UK and overseas                                                                                                 E-mail: mark.thomason@qbe-uk.com
•     Own goods                                                 Finance packages                                                Dan Carroll
•     Hazardous goods                                           •     Premium finance packages                                  Portfolio Manager,
                                                                      available on request.                                     Overseas and European Motor
•     Parcel delivery
                                                                                                                                Telephone: +00 361 460 1576
•     Blue light                                                                                                                E-mail: daniel.carroll@hu.qbe.com
•     Public and local authority
                                                                                                                                Or alternatively please visit our website:
•     High level self-insured programmes                                                                                        www.QBEeurope.com/motor
      and non-conventional risks
•     Taxi
•     Plant and special types
•     Overseas
•     Self drive hire
•     Uninsured loss recovery.




618/MOTORPORTFOLIO/COMMERCIALINSURANCE/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Commercial Vehicle Insurance
Motor
Motor Fleet Risk Management


                                                                Independent specialist advice will
                                                                help you reduce both the cost and
                                                                frequency of accidents and cut the
                                                                overall cost of running your fleet.


QBE works with our fleet clients to                             The process is no different from that
implement innovative and cost effective                         relating to any other work activity:                                QBE Total Motor Fleet
solutions – and keep you up to speed with                                                                                           Risk Managament
the latest industry best practice, codes                        •     Identify significant hazards and                              •       Behaviour-based driver
and standards.                                                        those who may be at risk                                              assessment
                                                                •     Assess the likelihood and potential                           •       Accident investigation
Our Motor Fleet Risk management                                       severity of injury and loss
solutions will assist with the reduction of                                                                                         •       Bespoke driver training
the frequency and cost of claims.                               •     Determine and implement control
                                                                      measures to reduce risks as far as                            •       Supplemental “at work” insurance
Risk management                                                       practical and economically viable                             •       In-vehicle driver support systems
Our risk management essentials                                  •     Monitor and review the effectiveness                          •       Vehicle compliance
programme raises awareness about risk                                 of policies, systems and controls at
                                                                      appropriate intervals.                                        •       Road safety partnership
management best practice. It is invaluable
in helping all parties to identify areas where                                                                                      •       On-line driver risk assessments
claims are likely to arise and enable QBE                       The risk management essentials
to recommend the actions needed to help                         questionnaire can be completed online at:
operators ensure full compliance with                           www.QBEeurope.com/motor/risk/                                   “Our unique initiatives provide fleet clients
health and safety and road traffic law,                         rmeq.asp or can be provided in hard copy                        with the opportunity to create a culture of
thereby minimising risk.                                        Once completed, we will provide a risk                          change within their businesses aimed at
                                                                management essentials report containing                         enhancing current risk management practise
This is a self assessment programme                             recommendations based on your                                   and procedures to ensure a continual focus
which covers all of the areas published                         responses. If the recommendations are                           on road safety and full compliance with UK
in the HSE document Driving at Work –                           introduced, they will ensure compliance                         legislation and regulation.”
Managing work related road safety                               and maximum benefits to your motor
including, policies, risk assessment, the                       fleet risk management programme.
driver, the vehicle, the journey, monitoring
of performance; company literature and                          Risk management solutions
fleet operator affiliations.                                    QBE acts as a conduit between our clients
                                                                and solutions which are available in the
                                                                market place. With our unique knowledge
                                                                of the services on offer, we are able to
                                                                assess our clients requirements and offer
                                                                the most practical and workable solutions.




618/MOTORPORTFOLIO/FLEETRISK/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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.
Risk management resources
The selection of any motor fleet risk
management resource can be a daunting
prospect. The QBE Motor Fleet Risk
management team have a unique
knowledge and understanding of the
services on offer, including:

•     WRRS consultancy
•     On line and standard driver risk
      assessments
•     Accident investigation
                                                                Accident management                                             Contacts
•     Classroom and in vehicle driver
      training                                                  Car and commercial vehicle accidents                            For more information on our Motor Fleet
                                                                can be reported quickly and easily to                           Risk management services please contact:
•     Vehicle compliance
                                                                our Central Claims Services unit by calling
•     In vehicle driver support systems                         Freephone 0808 100 8181. We are                                 Motor Fleet Risk
•     Driver risk profiling                                     happy to provide additional freephone                           Management
                                                                cards and scene of accident information
•     Benchmarking.                                                                                                             Doug Jenkins
                                                                forms at no charge.
                                                                                                                                Motor Fleet Risk Manager
Another example of our support of road                          Major Incident Response                                         Telephone: +44 (0)1245 272 700
safety and resource is the national road                        Service (MIRS)                                                  Mobile: +44 (0)7554 456 858
safety charity BRAKE, whose Fleet Safety                                                                                        E-mail: doug.jenkins@uk.qbe.com
Forum is a valuable component in the high                       Upon notification of a serious incident
quality risk management information we                          we will deploy a highly skilled team to                         Or alternatively please visit our website:
offer to brokers and fleet policyholders.                       work with the emergency services at the                         www.QBEeurope.com/motor
                                                                scene of the accident where possible and
The forum offers practical guidance and                         also in the following days and weeks.
best-practice case studies to thousands                         Our team will:
of UK fleet operators. Fleet clients who
subscribe to Brake also gain password                           •     Make alternative travel arrangements
protected access to a wealth of                                       for displaced persons
information on the Fleet Safety Forum                           •     Assist with accommodation
website. For selected fleet managers,                                 where required
we offer free one-day training sessions
                                                                •     Assist relatives of the injured in
through Brake’s Road Safety Academy.
                                                                      making contact
This training, which can be delivered locally
at prescribed times throughout the year,                        •     Provide medical and psychological
equips managers with the knowledge and                                rehabilitation services
resources, including PowerPoint slides,
                                                                •     Manage all media enquiries.
to deliver a one hour awareness training
presentation to their drivers based on                          By initiating our Major Incident Response
Brake’s Pledge to Drive Safely.                                 Service in the appropriate circumstances
                                                                we hope to provide valuable assistance
                                                                to those injured and all other directly
                                                                affected victims.




618/MOTORPORTFOLIO/FLEETRISK/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Motor at a glance


The provision of client focused insurance                                                                                       “Over the past 80 years we have built an
                                                                                                                                enviable reputation as a commercial motor
solutions through specialist underwriters,                                                                                      and bus and coach insurer. At QBE, we
                                                                                                                                are committed to building on that legacy.”
quality claims handling and strategic risk
                                                                                                                                Matthew Crane
management has established QBE as a
market leader in the commercial motor                                                                                           Managing Director, Motor
                                                                                                                                Telephone: +44 (0)1245 272 632
insurance sector.                                                                                                               E-mail: matthew.crane@uk.qbe.com



QBE offers fleet car, commercial vehicle,                       Products                                                        Combined motor trade
coach and bus, motor trade, taxis and
self-drive hire programmes, all delivered                       We have a particular focus in the                               Road risks
by an experienced team of specialist                            following areas:
                                                                                                                                •      Variable cover options including
underwriters.                                                                                                                          partial comprehensive
                                                                Commercial vehicle
Locally empowered motor underwriters                                                                                            •      Demonstration cover options
                                                                •     Commercial vehicle and private
also operate from eight national branches.                            car fleets                                                •      Variable courtesy car provision
They are able to deliver flexible and                                                                                                  options.
                                                                •     Haulage – UK and overseas
innovative solutions, along with QBE's
renowned high quality service.                                  •     Plant and special types                                   Material damage –
                                                                                                                                Up to £10 million per fire separated
                                                                •     Hazardous goods
Motor Portfolio underwriting                                                                                                    location
                                                                •     Public sector
•     Bespoke underwriting solutions                                                                                            •      Property cover provided on a
                                                                •     Blue light                                                       full theft basis.
•     Partnership approach with brokers
      and clients                                               •     Funded and non-conventional risks
                                                                                                                                Business interruption –
•     Risk management expertise                                 •     Pan-European including Republic of                        Including £500,000 book debts cover
                                                                      Ireland fleets                                            as standard
•     Dedicated specialist claims team.
                                                                •     Self-drive hire.
Capacity                                                                                                                        Public and products liability –
                                                                                                                                £5 million limit of indemnity as standard
Standard third party property damage limits
                                                                Bus, coach and minibus
                                                                •     Local authority                                           Employer’s liability –
Cars                                             £20m                                                                           £10 million limit of indemnity
                                                                •     Public hire
Commercial vehicles                              £5m
                                                                •     Stage                                                     Professional indemnity, loss of licence,
Hazardous goods                                  £1m                                                                            conversion and self drive hire
                                                                •     Taxi

These limits can be increased as required,                      •     Funded and non-conventional risks                         Terrorism cover
subject to further underwriting criteria.                       •     Overseas

Unlimited cover in respect of your legal                        •     Education.
liability to others, including passengers,
for death or bodily injury.




618/MOTORPORTFOLIO/MAAG/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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.
Claims                                                          Motor trade                                                     Manchester
All claims are handled through a                                Jo Treble                                                       Joanne McCulloch
dedicated, UK based, freephone, available                       Senior Underwriter, Motor Trade                                 Senior Motor Underwriter
24 hours a day, 365 days of the year.                           Telephone: +44 (0)1245 343154                                   Telephone: +44 (0)161 838 7314
                                                                E-mail: jo.treble@uk.qbe.com                                    E-mail: joanne.mcculloch@uk.qbe.com
Dedicated claims handlers specialise in:
•     Tailored claims handling solutions
                                                                Iain Bickers                                                    Republic of Ireland
                                                                Senior Underwriter, Motor Trade
                                                                Telephone: +44 (0)113 290 6720                                  Joe McPartlan
•     Own damage and third party claims
                                                                E-mail: iain.bickers@uk.qbe.com                                 Motor Underwriting Manager
•     Property damage claims                                                                                                    Telephone: +00 353 1 605 3680
                                                                Martin Nixon                                                    E-mail: joe.mcpartlan@ie.qbe.com
•     Personal injury claims
                                                                Senior Underwriter, Motor Trade
•     Crisis management.
                                                                Direct line: +44 (0) 161 838 7345                               South East
                                                                E-mail: martin.nixon@uk.qbe.com                                 Mark Norfolk
Risk management
                                                                                                                                Senior Motor Underwriter
•     Expert recommendation                                     International                                                   Telephone: +44 (0)1245 343149
                                                                Dan Carroll                                                     E-mail: mark.norfolk@uk.qbe.com
•     Training guidance and advice
                                                                Portfolio Manager
•     Bespoke approach.
                                                                Overseas and European Motor                                     Stafford
                                                                Telephone: +00 361 460 1576                                     Matthew Porter
Finance packages                                                E-mail: daniel.carroll@hu.qbe.com                               Portfolio Manager
Premium finance packages available                                                                                              Telephone: +44 (0)1785 785 379
on request.                                                     National                                                        E-mail: matthew.porter@qbe-uk.com
                                                                Dan King
Quality management                                              National Portfolio Manager                                      Motor
Our quality management system has been                          Telephone: +44 (0)1245 343 133                                  QBE European Operations
developed in line with the requirements of                      E-mail: daniel.king@uk.qbe.com                                  One Coval Wells
ISO 9001:2008 international standard and                                                                                        Chelmsford
we are fully ISO accredited.                                    Birmingham                                                      Essex
                                                                Warren Knowles                                                  CM1 1WZ
Contacts                                                        Senior Motor Underwriter
                                                                Telephone: +44 (0)121 710 1718                                  Telephone: +44 (0)1245 272 700
For more information on our products                                                                                            Fax: +44 (0)1245 272 701
                                                                E-mail: warren.knowles@uk.qbe.com
and services please contact:                                                                                                    E-mail: motor@uk.qbe.com

Fleet                                                           Bristol
                                                                                                                                www.QBEeurope.com/motor
                                                                Nick Milton
Steve Hodge
                                                                Senior Motor Underwriter
Head of Fleet Underwriting
                                                                Telephone: +44 (0)117 910 6829
Telephone: +44 (0)1245 272 632
                                                                E-mail: nick.milton@uk.qbe.com
E-mail: steve.hodge@uk.qbe.com

Stephen Gristwood                                               Glasgow
Portfolio Manager, Retail                                       David Cairns
Telephone: +44 (0)1245 272 508                                  Senior Motor Underwriter
E-mail: stephen.gristwood@uk.qbe.com                            Telephone: +44 (0)141 227 1516
                                                                E-mail: david.cairns@uk.qbe.com
Kevin Sherman
Head of Fleet Motor                                             Leeds
Telephone: +44 (0)1245 272 692
E-mail: kevin.sherman@uk.qbe.com                                Mark Bowden
                                                                Senior Motor Underwriter
Tim Ostler                                                      Telephone: +44 (0)113 290 6659
Portfolio Manager, Bus and Coach                                E-mail: mark.bowden@uk.qbe.com
Telephone: +44 (0)1245 272 742
E-mail: tim.ostler@uk.qbe.com

Steven Dickie
Portfolio Manager
Telephone: +44 (0)1245 272 709
E-mail: steven.dickie@uk.qbe.com


618/MOTORPORTFOLIO/MAAG/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Bus, Coach and Minibus

QBE is the UK’s leading bus, coach
and minibus insurance provider,
working with over 2,000 intermediaries
throughout the UK.


Delivering insurance solutions in this                          •     Universities                                              Contacts
complex market is our specialism,
                                                                •     Nursing homes                                             For more information on our products
and through detailed knowledge and
understanding of all sectors we are able                        •     Private hire                                              and services please contact:
to provide policies customised for                              •     Public hire                                               Tim Ostler
coaches, buses and both private and                                                                                             Portfolio Manager, Bus and Coach
commercial minibuses.                                           •     Youth groups
                                                                                                                                Telephone: +44 (0)1245 272 742
                                                                •     Private individuals.                                      E-mail: tim.ostler@uk.qbe.com
Our own claims service specialises in
dealing with coach, bus and minibus                             Key product features                                            Matthew Porter
related incidents. We work closely with                                                                                         Portfolio Manager
our partners particularly the AA who are                        •     Uninsured loss recovery
                                                                                                                                Telephone: +44 (0)1785 785 379
the UK's largest breakdown organisation,                        •     Pan-European cover                                        E-mail: matthew.porter@qbe-uk.com
repairing more breakdowns by the
roadside than anyone else, plus a host of                       •     Personal accident cover for
                                                                                                                                Mark Thomason
approved garages and repairers - ensuring                             driver and passengers
                                                                                                                                Senior Underwriter, Fleet
your clients' total support from the                            •     Optional public liability cover for                       Telephone: +44 (0)1785 785 372
beginning of their journey to the end.                                private and public hire operators                         E-mail: mark.thomason@qbe-uk.com

Bus and coach                                                   •     Rapid quote and prompt
                                                                                                                                or for general enquiries please contact:
                                                                      documentation turnaround.
•     Local authority                                                                                                           Telephone: +44 (0)845 603 8795
•     Community transport                                       Claims                                                          Fax: +44 (0)845 609 0320
                                                                                                                                E-mail: minibus@qbe-uk.com
•     Education                                                 •     Dedicated UK based claims team

•     Public hire                                               •     Upon reporting a claim, callers                           www.QBEeurope.com/motor
                                                                      are assigned a dedicated claims
•     Stage                                                                                                                     QBE European Operations
                                                                      negotiator who will be their one point
                                                                      of contact throughout, to ensure                          One Coval Wells
•     Express
                                                                      speed and efficiency for your client                      Chelmsford
•     High profile sports and entertainment                                                                                     Essex
                                                                •     Accident and breakdown recovery,                          CM1 1WZ
•     High level self-insured programmes
                                                                      including Homestart, roadside
      and non-conventional risks
                                                                      assistance and onward transportation                      QBE (Stafford) Limited
•     Overseas.                                                       is provided by the AA – available                         Mill Court
                                                                      24 hours a day.                                           Mill Street
Minibus insurance                                                                                                               Stafford
                                                                Finance packages                                                ST16 2AX
•     Schools
                                                                Premium finance packages available
•     Colleges
                                                                on request.

618/MOTORPORTFOLIO/BCM/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Bus, Coach and Minibus
Motor
Claims handling


We are committed to excellence                                                                                                  Early reporting
                                                                                                                                We encourage the earliest reporting of
in the handling of motor claims.                                                                                                all new incidents, within 24 hours where

Our claims handling service                                                                                                     possible. This enables us to provide a
                                                                                                                                proactive service to both policyholders
provides specialist resources                                                                                                   and innocent third parties, ensuring vehicle
                                                                                                                                downtime is kept to a minimum and that
and claims handling advice for                                                                                                  costs are controlled.

all classes of vehicle.                                                                                                         Auditing
                                                                                                                                •      Regular auditing of business
Key benefits                                                    Claims expertise                                                       partners including inspecting
                                                                                                                                       consulting engineers, claims
•     Flexible claims reporting solutions                       •     Bespoke claims handling procedures                               handling agents and solicitors
      including a freephone claims                              •     Dedicated claims handlers
      reporting service                                                                                                         •      Comprehensive internal
                                                                •     Technical and strategic claims                                   auditing processes.
•     Corporate claims handling capability                            team support
•     Out of hours claims reporting service                     •     Risk management
                                                                                                                                Quality management
•     Scene of accident vehicle recovery                        •     Crisis management                                         •      Our quality management system
                                                                                                                                       has been developed in line with the
•     Guaranteed repairs through                                •     Major Incident Response Service                                  requirements of ISO 9001:2008
      an approved repairer network                                    (MIRS).                                                          international standard
•     Competitive labour rates and
                                                                Management information                                          •      We are fully ISO accredited.
      parts/paint prices
                                                                •     Regular claims reviews                                    Contacts
•     Vehicle collection and redelivery
      services for vehicles that have been                      •     Comprehensive management
                                                                                                                                For more information please contact:
      rendered immobile or unroadworthy                               information on a regular basis

•     Online repair tracking                                    •     Comprehensive fund account                                Motor Claims Department
                                                                      management/aggregate erosion                              QBE Insurance (Europe) Limited
•     Downtime management                                             overview.                                                 One Coval Wells
•     Average repair cost information                                                                                           Chelmsford
                                                                Specialist knowledge                                            Essex
•     Small courtesy vehicle replacement                                                                                        CM1 1WZ
      (subject to availability and policy                       •     Nationwide network of specialist
                                                                      consulting motor engineers
      cover)                                                                                                                    Telephone: +44 (0)1245 272 700
                                                                •     In-house engineering expertise                            Fax: +44 (0)1245 272 813
•     Glass/audio replacement
                                                                •     Strict adherence to service                               E-mail: motor.claims@uk.qbe.com
•     Freephone cards and scene
                                                                      level agreements
      of accident information sheets                                                                                            www.QBEeurope.com/motor
                                                                •     Committed to rehabilitation
•     Fund processing arrangements
      available                                                 •     Strong anti-fraud strategy.

•     100% UK based claims and call                             Risk management
      handling teams.
                                                                •     Expert recommendations
                                                                •     Training guidance and advice
                                                                •     Bespoke approach.


618/MOTORPORTFOLIO/CLAIMSHANDLING/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Motor
Motor Trade


QBE is recognised as a prominent
commercial motor insurer and for
delivering flexible underwriting
solutions.


                                                                                                                                Our approach to underwriting
                                                                                                                                Our appetite for motor trade insurance
                                                                                                                                reflects the QBE approach to underwriting.
                                                                                                                                By understanding the market better and
                                                                                                                                the particular risks associated with that
                                                                                                                                product, we are more responsive to the
                                                                                                                                client’s needs and are able to deliver a
                                                                                                                                solution that satisfies everyone’s
                                                                                                                                requirements.

                                                                                                                                Preferred business
                                                                                                                                We will consider a wide variety of trade
                                                                                                                                types and any list we produce can never
                                                                                                                                cover our exhaustive range, however to
                                                                                                                                give you an indication our specialist areas
                                                                                                                                of focus include:

                                                                                                                                •      Retailer of new and/or used vehicles,
                                                                                                                                       cars/vans/heavy commercials/
                                                                                                                                       motorcycles/agricultural vehicles
                                                                                                                                •      Service/repairer of vehicles,
                                                                                                                                       cars/vans/heavy commercials/
                                                                                                                                       motorcycles/agricultural vehicles

Our new motor trade facility offers stand                       Our experienced underwriters are                                •      Caravan/motor home dealer
alone road risk cover or a combined policy                      empowered at a local level which means                                 and/or repairer
which can include additional liability and                      you benefit from quicker decision making.                       •      Bodywork/accident repair/paint
property covers and is another example                          Our ratings and financial strength give us                             spraying
of our entrepreneurial approach to finding                      a real advantage in the market providing
solutions for business risks.                                   you and your clients with the security                          •      Tyre and/or exhaust fitter
                                                                and confidence you require.                                     •      Auto electrician
                                                                                                                                •      Petrol filling station.




618/MOTORTRADE/AS/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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.
                                                                Examples of automatic                                           Contact us
                                                                cover include                                                   If you require any further information
                                                                Property                                                        please contact:
                                                                •     Automatic reinstatement of sums
                                                                                                                                Jo Treble
                                                                      insured
                                                                                                                                Senior Underwriter,
                                                                •     Commercial loads within insured                           Motor Trade, Chelmsford
                                                                      vehicles up to a limit of £50,000                         Direct line: +44 (0)1245 343 154
                                                                •     New for old vehicle cover up to                           E-mail: jo.treble@uk.qbe.com
                                                                      12 months old for vehicles up to
                                                                      3.5 tonnes                                                Iain Bickers
                                                                                                                                Senior Underwriter, Motor Trade, Leeds
                                                                •     Lock replacement due to loss of keys                      Direct line: +44 (0) 113 290 6720
                                                                      (maximum £50,000 any one claim)                           E-mail: Iain.Bickers@uk.qbe.com
                                                                •     Private property within insured vehicles
                                                                      (maximum £5,000 any one vehicle).                         Martin Nixon
                                                                                                                                Senior Underwriter, Motor Trade
                                                                Road risks                                                      Direct line: +44 (0) 161 838 7345
                                                                                                                                E-mail: martin.nixon@uk.qbe.com
                                                                •     Unlimited cover in respect of your legal
                                                                      liability to others including passengers,
                                                                                                                                General enquiries
                                                                      for death or bodily injury
                                                                                                                                QBE European Operations
                                                                •     Cover up to £10 million for damage
                                                                                                                                One Coval Wells
                                                                      to property arising out of one accident
Features and value                                                                                                              Chelmsford
                                                                      or series of accidents arising out of
added services                                                                                                                  Essex
                                                                      one event
                                                                                                                                CM1 1WZ
•     Bespoke underwriting solutions                            •     Increasing to £20 million in respect
                                                                      of private cars                                           Telephone: +44 (0)1245 272 700
•     Partnership approach with brokers                                                                                         Fax: +44 (0)1245 272 701
      and clients.                                              •     Uninsured loss recovery and injury                        E-mail: motor@uk.qbe.com
                                                                      and motor prosecution defence up
Scope of cover                                                        to £100,000                                               QBE European Operations
•     Property damage                                           •     Option to include courtesy vehicles                       Acclaim House, Central Park
                                                                      for customers whilst their own vehicle                    New Lane, Leeds
•     Fidelity
                                                                      is being serviced or repaired                             LS11 5UF
•     Terrorism                                                                                                                 United Kingdom
                                                                •     Demonstration cover options:
•     Money                                                           Accompanied and unaccompanied                             Tel: +44 (0) 113 244 8051
•     Business interruption                                     •     Free foreign use cover for social                         Fax: +44 (0) 113 242 2587
•     Employers liability                                             domestic and pleasure use.
                                                                                                                                Or alternatively please visit our website:
•     Public and products liability
                                                                                                                                www.QBEeurope.com/motor
•     Loss of licence
•     Road risks
•     Self drive hire.


Intended for broker use only. Please refer to our policy wordings
for full terms and conditions and any exclusions that might apply.


618/MOTORTRADE/AS/APR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Accident management and repair tracking


We offer a fast and efficient accident
management and online repair tracking
service ensuring repairs are completed
quickly to a high standard under strict
cost-control protocols with a strong
focus on average vehicle repair costs
and vehicle down time.

Start                             1                               2                         3                                   4                                 5




 Advanced First                       Vehicle imaging                 Repair costings           Strategic repair dates              Complete MI suite
 Notification of Loss
                                      • Damage                        • Estimated charges       • Red/Amber/Green -                 • Average vehicle down time
 (FNOL) Provision
                                                                                                  flagging the repair process
                                      • Registration Mark (VRM)       • Agreed charges                                              • Average repair costs
 • Fast and efficient
                                                                                                • Providing clear
                                      • Identity Number (VIN Plate)   • Savings achieved          confirmation of collection,       • MI selection criteria and
 • Ensuring each and every
                                                                                                  repair and completion               download
    claim is on the right track       • Mileage
                                                                                                  dates
 • Full audit trail of
                                      • Road Fund Licence
    progression                                                                                 • Measurable against
                                        (Tax Disc)
                                                                                                  declared service standards


QBE’s highly acclaimed Claim and                            Accident management                            Fax: +44 (0)1245 272585
Repair Accident Tracking (CARAT)
                                                            Accidents can be reported quickly              Post: QBE European Operations, Claims
system generates a wealth of valuable
                                                            and easily (24/7) by:                          Department, One Coval Wells, Chelmsford,
management information, including
                                                                                                           CM1 1WZ
average repair costs and vehicle down                       Freephone:
time. Fleet managers can view vehicle                       Commercial Fleet: 0808 100 8181;               We are always happy to provide additional
damage images, repair costings and track                    Car Fleet: 0800 678 3030;                      freephone cards and scene of accident
repair progression online and a full audit                  Minibus (Stafford): 0800 389 1708              information forms.
trail of all activity in connection with the
                                                            Online: www.QBEeurope.com/motor/               Through our third party assistance
repair process.
                                                            claims/report_speed_claim_req.html             programme measures we will maximise
The tracking system can be accessed                                                                        the use of our approved repairer network
                                                            Email: Chelmsford:
using a unique username and password                                                                       for innocent third parties.
                                                            newclaim.motor@uk.qbe.com
through www.QBE.repair-tracker.com                          Bristol: newmotorclaim.bristol@uk.qbe.com
                                                                                                                                Courtesy cars (Car Fleets)
                                                                                                                                To minimise inconvenience, if the vehicle
                                                                                                                                is to be repaired by one of our approved
                                                                                                                                repairers, we will arrange for the free use
                                                                                                                                of a courtesy car whilst the repairs are
                                                                                                                                being carried out.

                                                                                                                                The purpose of the courtesy car is to keep
                                                                                                                                the policyholder’s driver mobile. It will be
                                                                                                                                a small (category A or grade 1) vehicle.
                                                                                                                                Although it will be in good condition, clean
                                                                                                                                and mechanically sound, it is not intended
                                                                                                                                to be a replacement for the vehicle which
                                                                                                                                has been damaged. It may be possible
                                                                                                                                to provide a replacement courtesy van
                                                                                                                                subject to availability and limited use.

                                                                                                                                Should there be a need for a vehicle similar
                                                                                                                                to the damaged one, the policyholder’s
                                                                                                                                fleet manager should be consulted for
                                                                                                                                advice and our recommended accident
                                                                                                                                management company will be able to
                                                                                                                                offer a suitable replacement vehicle at
                                                                                                                                competitive hire rates.
Approved Repairer Network                                       Policyholders are not obliged to use this
                                                                service and may submit an estimate from
The network of PAS 125 approved                                                                                                 If the damage to the vehicle results
                                                                a repairer of their own choice. However,
repairers throughout the United Kingdom                                                                                         in it being declared a total loss after a
                                                                should a non-network repairer be chosen
have been chosen, not only for their high                       QBE will not be responsible for the quality                     courtesy car has been made available,
standard of repair work, but also for their                     of the repair or for the service received                       the courtesy car must be returned at
commitment to providing a quality service,                      and a replacement courtesy vehicle                              the repairer’s request.
including collection and re-delivery of the                     may not be made available.
repaired vehicle, if needed.
                                                                Tracking
Approved repairers are authorised to                                                                                            For more information please visit
begin work immediately, though an                               We understand how important vehicles                            www.QBEeurope.com/motor
engineer may have to inspect the vehicle                        are to businesses. Our tracking system
first if the damage is severe. To avoid                         will ensure that progress of all repairs is
delays, repairers will electronically submit                    continuously monitored, ensuring that
an estimate along with digital images of                        vehicles are fully repaired as quickly
the damage to the engineer for approval.                        as possible.
All work undertaken by the repairer, or their
subcontractor, is guaranteed to comply                          Motor fleet clients can track the progress
with manufacturers’ warranty schedules,                         of all of their vehicle repairs in real time
or for three years (whichever is greater),                      and can access and download detailed
excluding windscreens and in-car                                management information to generate
entertainment equipment.                                        their own specific management reports,
                                                                including average repair costs and average
This service is available to all policyholders                  vehicle down time by vehicle type or
with comprehensive cover. The only                              repairer location amongst other
payment due is for any applicable excess                        selection criteria.
and VAT. To save business drivers having
to pay repairers direct, we can offer fund                      The tracking system can be accessed
processing arrangements.                                        using a unique username and password
                                                                through www.QBE.repair-tracker.com
Labour rates agreed with our approved
repairers are extremely competitive and
policyholders may enjoy the free use of
a small courtesy car.




2049/ACCIDENTMANAGEMENTANDREPAIRTRACKING/CMF/INSERT/JUNE2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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
Fuel cards


A special offer for QBE Fleet
policyholders from The Fuelcard
Company.



The Fuelcard Company can help to            Frequently asked questions                       The free fuel analysis
minimise your diesel fuel spend and
streamline the administration involved.     Q   For how long is the contract?                The Fuelcard Company can complete a
Compare your current spend with the fixed   A   There is NO contract.                        free fuel analysis for your company to give
fuel prices you can obtain by using fuel                                                     you an idea of potential cost savings. This
                                            Q   How much do I have to spend?
cards from the Fuelcard Company.                                                             is a no obligation service. If you want to
                                            A   Just £300 a month minimum spend.
                                                                                             take advantage of this please use the
The benefits to you                         Q   If I am already a customer of the            contact details overleaf.
                                                Fuelcard Company can I benefit from
You can benefit from more competitive           the QBE offer?
fuel prices compared with pump prices       A   Yes you will benefit from more
and also benefit from:                          competitive fuel prices through us.

•   Quick and easy refuelling at            Q   How much does it cost?
    strategically located sites             A   There is NO monthly fee and NO
                                                surcharge.
•   Reduced administration and simple
    VAT reclamation with a single invoice   Q   How much will the fuel cards cost me?
                                            A   They would normally cost £6 per
•   Keeping track of all transactions           annum but through QBE there are no
    24/7 with a free online account             charges for the cards.
    management system
                                            Q   So what do I pay?
•   Receiving invoices instantly and        A   You just pay for the fuel at the weekly
    safely to your inbox with our               fixed price and spend at least £300
    e-invoicing service.                        per month.

Services on offer from                      What to do to subscribe
The Fuelcard Company
                                            Go to our website at
•   UK Customer Service Team                www.qbe-fuelcards.co.uk
•   Dedicated Account Manager
                                            Complete the quick and easy question set.
•   Online access to your account
•   Integrated invoicing system for         Submit your application.
    all cards
                                            You will receive an acknowledgement within
•   Satellite downloads for networks.       48 hours confirming whether or not you are
    No charge                               eligible for the services on offer (subject to
•   Fuel reports as standard.               credit check).
The Fuelcard Company is one of the largest
commercial fuel card resellers in the UK.
Established: 2006 (de-merged from Bayford Oil)
Headquarters: Knaresborough
Other offices: Ipswich
Employees: 85
Customers: 35,000+
Annual litres: 600 million




Fixed price fuel cards include:
Keyfuels                                                        Shell CRT
•     A network of over 1350 sites                              •     Best motorway coverage of any
      across the UK                                                   card (where prices are highest)
•     A multi branded network which                             •     A weekly fixed price for diesel
      includes a range of branded sites                               at all sites
      Texaco, Esso, Shell, BP, Murco etc.
                                                                •     Best prices at over 400 ‘core’ sites
      and Morrisons and Somerfields
      stations                                                  •     Shell Extra diesel at no extra cost
•     A weekly fixed price for diesel                           •     Free satellite navigation
      at all sites                                                    downloads for sites.
•     Free satellite navigation
                                                                Esso Commercial
      downloads for sites
                                                                •     A network of over 1000 sites
•     Text service for station finder.
                                                                      across the UK
Texaco Fast Fuel                                                •     Esso branded network
•     1680 sites across the UK                                  •     Moto motorway services
•     A branded and independent                                 •     A weekly fixed price for diesel
      network which includes all Texaco                               at 250 sites.
      sites, UK fuels sites and Morrisons
      and some Somerfields stations                                                                                             Apply online at:
                                                                                                                                www.qbe-fuelcards.co.uk
•     A weekly fixed price for diesel
      at all sites.
                                                                                                                                Or email: info@fuelcards.co.uk
                                                                                                                                quote ‘QBE fuel card’

                                                                                                                                Or call: 0844 257 1808
                                                                                                                                quote ‘QBE fuel card’
Applies to fixed price fuel cards only. Fixed price products on offer are:
Keyfuels, Shell CRT, Esso Truck and Texaco Fast Fuel. If there is no usage on the
account The Fuelcard Company reserves the right to apply a retrospective card charge.
Minimum spend £300 per account per month
All information is correct as of 1 June 2010.

2049/COMMERCIALFUELCARDS/CMF/INSERT/JUNE2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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 at a glance

QBE is one of the world’s leading
insurers and reinsurers, operating
out of 47 countries around the world
and has a presence in all of the key
insurance markets.

QBE in Europe                                  Insurer financial strength and
                                               counterparty credit rating                       QBE key facts
QBE is a specialist business insurer and
                                                                                                •   Gross written premium £7.2 billion
operates in all the major insurance centres    You can judge the size and strength
                                                                                                    to year end December 2009
throughout Europe and has over 100 years       of a company by the ratings it keeps.
experience in the UK. We have a strong         We are pleased to be rated as follows:           •   One of the largest managing
presence across the UK and Ireland,                                                                 agents at Lloyd’s
                                               Standard & Poor’s       A+
enabling us to provide an outstanding                                                           •   A+ rating by Standard & Poor’s
service locally to brokers.                    Fitch Ratings           A+                           and Fitch, A (Excellent) A.M. Best
                                               A.M. Best               A (Excellent)            •   First London office formed in 1904
In Europe we have an in-depth
understanding of each of our chosen            Standard & Poor’s insurer financial strength     •   Regional offices throughout
markets. Our ability to combine our local      and counterparty credit rating for QBE’s             the UK and Ireland
expertise with the broad knowledge of our      main insurance subsidiaries is A+ (Stable).      •   Choice of writing business with
product specialists enables us to provide      Fitch Ratings insurer financial strength             Lloyd's security or company
innovative solutions in each territory.        rating for QBE’s main underwriting                   security
                                               subsidiaries is A+ (Stable), and the agency      •   Comprehensive product range
Our financial strength provides a level of
                                               has also affirmed a long-term credit rating
security and confidence with the added                                                          •   Award winning service - Insurance
                                               at A. Their outlook for all ratings is Stable.
flexibility of our dual-pen capability. This                                                        Day London Market Awards 2009,
                                               A.M. Best assigned the financial strength
means you have the choice of whichever                                                              Underwriting Team of the year.
                                               rating of the QBE Group of companies
is best for your clients, either Lloyd’s,                                                           Global Broker and Underwriter
                                               A (Excellent).
where we are one of the largest managing                                                            2009: Winner Insurance claims
agents, or company paper.                                                                           and Reinsurance construction.
                                                                                                    Reactions London Market awards
Financial strength                                                                                  2009: Winner Best Insurance
QBE Insurance Group performance                                               2009                  company – Underwriting Casualty
                                                                                                    and Winner Best Reinsurance
Gross written premium                            £m                           7,242                 company.
Net earned premium                               £m                           6,087

Combined operating ratio                         %                            89.6

Net assets                                       £m                           6,047

Insurance profit                                 £m                           1,034

Shareholders’ funds                              £m                           5,670
Leading product range                                           So whether it’s cover for a dental practice                     Local knowledge
                                                                or a leisure centre we are confident we
As a specialist business insurer the                            can provide the cover. Please visit                             UK and Ireland – Underwriting offices
breadth of the industry sectors we cover is                     www.QBEeurope.com and review our                                London, Dublin, Birmingham, Bristol,
almost as diverse as our range of products.                     product guide and even if you cannot find                       Chelmsford, Glasgow, Leeds, Manchester
With an appetite and capacity to provide                        what you are looking for here, we’ll do all                     and Stafford.
cover across any size of business we are                        we can to provide a competitive and
market leaders in the vast majority of                          effective solution.                                             Europe – offices situated in Bulgaria,
products we offer.                                                                                                              Czech Republic, Denmark, Estonia, France,
                                                                Our approach                                                    Germany, Hungary, Italy, Macedonia,
With literally hundreds of product lines                                                                                        Norway, Romania, Slovakia, Spain,
we are confident we can provide you                             All our people are encouraged and                               Sweden, Switzerland and the Ukraine.
with a competitive and effective solution.                      empowered to think for themselves, and
To give you a flavour of our extensive                          to use their expertise to find a way around
range, we have listed some of our product                       problems. We have a healthy appetite for
lines below:                                                    risk, and a willingness to work flexibly in
                                                                partnership with brokers, enabling us to
•            Accident and health (inc commercial                find solutions where other insurers can’t
             PA and business travel)                            or won’t. We don’t believe that one size
                                                                fits all or that we should follow what other
•            After the event insurance                          insurers do, which means we are always
•            Aviation                                           willing to take a view on specialist risks.

•            Bloodstock                                         We stand by our claims
•            Commercial crime                                   At QBE we pride ourselves on our
•            Commercial combined                                professional, efficient and sympathetic
                                                                approach to claims. So not only do we
•            Contractor all risks/EAR                           take great satisfaction from our highly
•            Energy, offshore and onshore                       rated* claims service, we also place great
                                                                emphasis on risk management, working
•            Entertainment and leisure industry                 with clients to improve their systems                           Rugby
•            Financial and professional liability               and processes.
                                                                                                                                QBE is proud to be the Official Insurance
             (D&O, PI)                                                                                                          Partner of the Guinness Premiership and
                                                                Effective risk management is an
•            General liability (EL, PL, Tradesman)                                                                              England Rugby. Working with two such
                                                                essential feature of all successful
                                                                                                                                leading names in the sport means that
•            Marine                                             organisations and is one of our key
                                                                                                                                we can expand our association with
                                                                underwriting considerations. Our
•            Motor – commercial (inc fleet, haulage,                                                                            specialists on and off the rugby field,
                                                                objective is to work hand in hand with
             bus and coach, motor trade)                        all stakeholders to ensure we take every                        allowing QBE’s brand to develop and
                                                                opportunity to contain and control risk.                        its business to grow in the UK.
•            Pharmaceutical and medical
                                                                This helps us to reduce the frequency
•            Political risk and terrorism                       and severity of our clients’ loss experience.                   To find out more about how QBE is
                                                                                                                                supporting rugby at all levels of the game,
•            Product guarantee and recall                                                                                       please visit www.QBEeurope.com/rugby
•            Product protection                                    History of QBE                                               and register your details to receive
                                                                                                                                advance news of forthcoming rugby
•            Property                                              In 1886, the North Queensland
                                                                   Insurance Company was formed                                 events and competitions.
•            Reinsurance                                           by two insurance agents in Sydney,
                                                                   Australia. The company was
                                                                                                                                To find out more
•            Scheme underwriting facility
                                                                   expanded by establishing agencies                            For more information about QBE and how
•            Specie                                                throughout Asia and Australasia.                             we can help your business, please visit our
•            Surety                                                There was even an agency presence                            website www.QBEeurope.com or e-mail
                                                                   in London prior to the branch office                         us at enquiries@uk.qbe.com
•            Trade credit and bonds                                opening on Fenchurch Street in 1904.
•            Warranty (in Motor, GAP insurance)                                                                                 *Rated second highest in the market for
                                                                   North Queensland Insurance
                                                                                                                                claims service (Gracechurch survey 2009)
                                                                   Company continued to grow and
                                                                   acquired Equitable Probate and
                                                                   General Insurance in 1959, before
                                                                   merging with the Bankers and Traders
                                                                   Insurance Company in 1971 to finally
                                                                   arrive at the name – QBE.


    OFFICIAL INSURANCE PARTNER



1648/AT A GLANCE/A4/MAR2010
QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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 European Operations
                                                                                                                                                                               One Coval Wells
                                                                                                                                                                                   Chelmsford
                                                                                                                                                                                        Essex
                                                                                                                                                                                    CM1 1WZ
                                                                                                                                                                     tel +44 (0)1245 272 700
                                                                                                                                                                    fax +44 (0)1245 272 701
                                                                                                                                                                     motor@uk.qbe.com
                                                                                                                                                               www.QBEeurope.com/motor




618/MOTORPORTFOLIO/BROCHURE/APR2010

QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. 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.

								
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