Motor Legal Expenses & Home Insurance - A Guide

ADDITIONS TO MAKE YOU GROW

With over 25 years experience in the insurance market, legal expenses is just one of the many products and services we provide. One of our core offerings is the extensive range of additional insurance products we design and build to give you the competitive edge you require.

Fundamental to the growth of our company has been the maintenance of our strong family values. We focus on the needs of both our clients and staff and ensure that we have all the facilities we need to deliver the products and services we offer with an excellent level of customer service.

We are a very forward thinking company. We offer a highly flexible service and are always eager to move into new areas and be continually challenged. A culture of innovation combined with the knowledge of our highly committed team has enabled the company to expand in a controlled and consistent manner over time.

Our office operates around the clock, every day of the year, enabling clients access to our experienced and enthusiastic team at all times. We pride ourselves on our level of service and always encourage and appreciate feedback from our clients. This means we can continually make improvements with this feedback in mind, helping to improve our ongoing relationships.

PRODUCT PORTFOLIO

INDEX

MOTOR INSURANCE SUITE

A suite of products designed to add on to main motor insurance policies. Each policy can also compliment any motor insurance product on its own.

• Motor Legal Expenses • Bikers Helmet Cover

• Breakdown Cover • Child Car Seat, Pram & Pushchair Cover

• Gadget Cover - In-Vehicle Protection • GAP Cover

• Helmet & Leathers Cover • MOT, Alloy Wheel & Misfuelling Cover

• Motor Excess Protection • Scratch & Dent Cover

• Substitute Vehicle Cover • Taxi Excess Protection

• Tools in Transit Cover • Uninsured Driver Protection

• Windscreen Cover • Windscreen Referral Scheme

COMMERCIAL INSURANCE SUITE

A suite of products designed to compliment any commercial insurance requirement on its own.

• Commercial Legal Expenses • Commercial Legal Expenses Premier

• Commercial Property Owners • Commercial Tradesman

• Landlord Home Emergency • Residential Landlord Legal

• Residential Landlord Legal Premier

HOME INSURANCE SUITE

A suite of products designed to add on to main household insurance policies or can compliment any home insurance requirement on its own.

• Family Legal Expenses • Second Home Legal Expenses

• Home Buyers Protection • Home Emergency Cover

• Home Excess Protection • Home Pipe Cover

NICHE INSURANCE SUITE

A suite of unique products that can compliment or add on to more than one suite of insurance products or can stand alone as a great policy designed to offer full peace of mind. • Accidental Death & Personal Accident Cover

• Gadget Cover Premier • Handbag Cover

• ID Theft Assistance & Insurance • Key Protection Insurance

This booklet is designed to help you understand our full product range and although we develop and add to them all the time, it should give you a taste of what we can offer you and your clients.

All of our insurance products are created following in-depth market research and discussions with you to find out exactly how we can compliment your current offering and enhance the level of cover you presently offer your clients.

We pride ourselves on our ability to understand the modern insurance market and believe in only offering something that will ensure you stand out from the crowd in what is now a very competitive industry.

At ULR Additions, we believe in the importance of working closely with all of our partners and prospects to ensure we deliver practical solutions, identifying and creating the most appropriate additions to compliment your own style and main products.

Specialising in the design of new and innovative niche-market products, we can set you apart from your competition. Much of this development comes from working together with you, so please take a look at what we can offer you and get in touch to discuss your needs. Our dedicated team will help you put together a successful product or package tailored to suit your needs.

ULR Additions can give you the flexibility to create something truly unique.

OUR APPROACH

ULR Additions is a well-known brand which is highly respected in the industry. We have been recognised for the training and development of our people, being awarded Investors in People Gold in 2011, given to less than 3% of UK companies. As a result we ensure delivery of an experienced, fully trained claims handling team operating 24/7 that strives to exceed expectations.

Customer surveys indicate that dissatisfaction with claims handling is one of the most frequently cited reasons for not renewing a policy. Given it is much more cost effective to retain an existing customer than acquire a new one, our high customer service levels represent a compelling proposition for brokers. ULR Additions are able to offer access to fully trained, in-house, UK-based staff 24 hours a day, 365 days a year.

We currently design and provide products in line with your needs, working together to fill gaps in the market and enhance your core products.

At ULR Additions we continuously demonstrate our ability to bring products quickly to market. By working together with your company through in-house training and promotion of new product bundling opportunities, we aim to improve your sales effectiveness.

OPERATIONS

At ULR Additions, we offer access to fully trained in-house staff 24 hours a day, 365 days a year, enabling claims to be reviewed and progressed at all times of the day, thereby speeding up the claims process.

We set ourself apart from other organisations by demonstrating the highest ideals and standards of service in the industry. By putting client satisfaction at the forefront of our operation and procedures, by motivating our team to offer a consistently high level of service regardless of the time or day of the year we have created the basis for the ultimate service package. We are very conscious of the impact staff have on the level of service provided and as such we ensure full, in-depth training is given.

Over the last 14 years ULR Additions have developed and tuned their 24 hour facility to enhance the operation that you and your clients can rely on. The world has changed and clients have come to expect and rely on businesses to provide services around the clock. We offer a “genuine” 24/7 solution, which puts your firm ahead of its competitors, with an experienced team always available, fully trained, 24 hours a day, all year round.

WORKING IN PARTNERSHIP

When a client contacts us, we want them to feel safe in the knowledge that we act as an extension of your own organisation. A white labelled service is the first important step to offering a seamless process to your policyholders. Your clients can be provided with designated contact telephone numbers to get them through to the appropriate teams. These lines can be personally branded and answered in accordance with your requirements.

White labelling is an important tool for retaining customer confidence. We understand the responsibility that comes with delivering this service correctly and at all times when working behind your name. Clients have chosen your firm for a reason and it is crucial to have brand loyalty and ensure we are not just protecting your reputation, but enhancing it.

In addition, if we have access to policy information the whole claims process is a lot easier for the client and ensures we give the client the best service by following the most appropriate course of action based on the level of cover they have purchased.

Data/declarations can be forwarded to us on a weekly/ monthly basis by electronic dispatch. We are able to advise you on appropriate formats and provide templates of required information. Alternatively, we can arrange for remote access to your own systems by our handlers enabling them to have real-time policy data at all times.

MOTOR

LEGAL EXPENSES

If a client is unfortunate enough to be involved in a non-fault motor accident they may expect their insurance to cover all their out of pocket expenses. If they are not responsible for the accident why should they have to suffer financially? Neither third party nor fully comprehensive cover offers protection against potentially substantial financial losses, even after a minor accident.

Our Legal Expenses policy will take care of recovering any out of pocket expenses incurred in an accident. We will take all necessary steps to recover any client’s losses against the responsible party or their insurer and if necessary, appoint legal representation to reclaim the client’s losses through the courts without any cost to them.

MOTOR

LEGAL EXPENSES

£50,000 to £125,000

We will pay the legal representatives fees and expenses as well as any adverse costs which the client may be asked to pay should they lose their claim.

Cover is in place to pursue:

• Uninsured losses arising out of damage to the policyholder’s vehicle

• Uninsured losses arising out of loss or damage to any personal belongings in or on the vehicle

• Any other uninsured losses sustained by the client • Cover can also include personal injury claims depending on

the level of cover selected

Uninsured losses can be:

• Loss of use • Repair costs • Policy excess • Personal injury • Loss of earnings • Damaged property • Vehicle hire charges

The vehicle insured by the policy can be either a private car, motorcycle or small private van.

Excess

BIKERS HELMET

COVER

Modern motorcycle helmets provide impact and abrasion protection from the moment riders hit the road until they come to a stop, but this essential protection comes at a cost with helmets being the most expensive part of a biker’s clothing and safety equipment.

If a helmet is damaged or has suffered any sign of impact immediate replacement is recommended.

Our bikers helmet cover is specifically designed to assist bikers with the expense of replacing their damaged helmet following a motorcycle accident which occurs in the UK and up to the relevant level of indemnity.

BIKERS HELMET

COVER

£1000

Cover in respect of:

• Damage to the policyholder’s helmet following a road traffic accident

• The policy will pay the policyholder directly for the damaged helmet on receipt of proof of purchase

Bikers helmet cover will provide cover following a motorcycle accident which occurs within the UK and up to the level of indemnity.

Excess

BREAKDOWN

COVER

Our Breakdown suite of policies have been designed for the motorists who want to protect themselves against the troubles of motoring and to ensure that should the worst happen, immediate assistance is always available, no matter whether its during rush hour on the motorway or in the early hours of the morning.

We have designed four levels of cover to get you back in the fast lane with immediate assistance:

Bronze Breakdown Cover

Includes UK Local Recovery & Roadside Assistance

Silver Breakdown Cover

Includes UK Local Recovery, Roadside Assistance & Homestart.

Gold Breakdown Cover

Includes UK National Assistance, Homestart & Roadside Assistance.

Platinum Breakdown Cover

Roadside Assistance Cover

• We will arrange for a vehicle rescue operator to spend up to one hour to try to fix it

• We will arrange for the vehicle to be taken to a local garage to be repaired at a cost to the policyholder

Home Start

• Should a breakdown occur at or within one mile of the policyholder’s home, we will arrange to send out one of our vehicle rescue operators

• If it cannot be fixed we will arrange for the vehicle to be taken to a local garage to be repaired at a cost to the policyholder

UK National Recovery & Assistance

• If the vehicle cannot be repaired at the roadside or at a local garage the same day we will arrange one of the following:

• For the vehicle, driver and up to 6 passengers to be taken to the policyholder’s destination or

home; or

• Bed and breakfast accommodation for one

night; or

• Hire of another vehicle

• An emergency driver is also available

European Recovery Assistance

• If the vehicle is immobilised by a breakdown in Europe we will arrange to send out one of our vehicle rescue operators

Cover also includes:

• Labour charges and parts up to £200 are included to make the vehicle secure following theft or attempted theft of the vehicle

• Delivery of replacement parts

• Alternative travel arrangements & Emergency accommodation

• Emergency hire car & Emergency driver cover • Vehicle recovery to the UK

Excess

There is no excess to pay when making a claim

CHILD CAR SEAT, PRAM &

PUSHCHAIR

COVER

A child’s pram, pushchair and even a car booster seat are expensive items to purchase and with these fundamental items travelling everywhere with a child, it is important to ensure they are safe, secure and not damaged.

If a child car seat is involved in a motor accident, even though there may be no visible damage, it is possible that it will have been weakened to such an extent that it will not provide the same level of protection in another motor collision.

CHILD CAR SEAT, PRAM &

PUSHCHAIR

COVER

• £500 or £1000 • Covers Theft

• Covers damaged caused by an accident

• Covers damage caused by fire and attempted theft • Cover extends to both the policyholder and named driver

in the event that the insured item is damaged in a Road Traffic Accident

The policyholder along with any joint policyholder will be covered under this policy for claims occurring within The United Kingdom.

Excess

GADGET

COVER

IN-VEHICLE PROTECTION

Modern day living means that our electronic gadgets are now part and parcel of our everyday lives with the majority of us taking them with us wherever we go. It can be quite stressful and inconvenient should our favourite gadgets accidentally break or are even stolen and to be able to replace them can quite often be a large financial commitment.

With the cost of modern day gadgets ever increasing, the cost of replacement can also be expensive and depending on the model can run into hundreds of pounds.

Our gadget cover will provide cover without the need for the policyholder to claim on their main motor or household policies, with no policy excess to pay and keeping any no claims discount intact.

GADGET

COVER

IN-VEHICLE PROTECTION

Limit of Cover

£250 - £1000

Cover for the chosen level of indemnity in respect of;

• Theft of the policyholder’s gadget

• Accidental damage to the policyholder’s gadget

Types of Gadgets Covered;

• iPods • MP3 Players • PDAs

• Portable DVD Players • Mobile Phones

Up to two claims can be made under this policy up to the chosen level of indemnity in total.

No affect to the No Claims Discount on the policyholder’s main policy

Excess

£25 per claim.

The Gadget Cover product range includes the following levels of indemnity to choose from:

GAP

COVER

In the unfortunate case of a motor accident, regardless of fault, the motor insurers will usually only pay out the current market value on the vehicle, regardless of how much shortfall this could leave your client with. This could be several thousand pounds compared to the value of the car when it was purchased due to vehicle depreciation.

Our GAP Cover Insurance will cover your client in circumstances where their vehicle is written off by their motor insurer and there is a difference between the price they paid for the vehicle and the amount paid out by the insurer. This policy will fund the difference between the two, providing that the vehicle did not cost more than £50,000 and was less than eight years old at the date of purchase of the policy.

Bearing in mind that some insurers agree to replace a new vehicle within a set time frame if involved in an accident our cover can even be deferred for a year if required.

GAP

COVER

Covers up to £25,000 dependant on cover stated on the policy schedule.

Covers the difference between what is paid out by the policyholder’s insurance and the amount you purchased the vehicle for.

• Covers vehicles with a purchase price of up to £50,000 • Covers vehicles that are less that eight years old at the time

of purchase

• Cover where your vehicle is written off by the policyholders insurer

Additional Benefits

Covers when travelling abroad for up to 90 days over a 12 month period in the EU, as well as:

• Croatia • Iceland • Norway • Switzerland • Liechtenstein • Andorra Excess

HELMET & LEATHERS

COVER

Modern motorcycle clothing provides impact and abrasion protection from the moment riders hit the road until they come to a stop, but this essential protection comes at a cost with helmets and leathers now costing on average around £500.

Damaged leathers offer considerably less protection and if a helmet has suffered any sign of impact immediate replacement is recommended.

Our Helmets & Leathers cover is specifically designed to assist bikers with the expense of repairing or replacing their damaged motorcycle clothing, helmet, boots and gloves following a motorcycle accident which occurs in the UK and up to the relevant level of indemnity.

Limit of Cover

Covers £1000 or £1500 in respect of:

• Damage caused following a road traffic accident for; • Helmets

• Leathers • Boots • Gloves

The policy will pay the policyholder directly for the damaged items on receipt of proof of purchase.

This policy will provide cover following a motorcycle accident which occurs within the UK and up to the relevant level of indemnity.

Excess

£50

MOT, ALLOY WHEEL & MISFUELLING

COVER

This policy is suitable for all drivers and offers your client assurance that they have protection should one of these common issues occur.

If a client’s vehicle fails the MOT inspection due to a faulty or defective component, we will cover the cost of repair and get the client back on the road as quickly as possible.

If the client’s vehicle can be shown to have failed the MOT standard and has a Refusal of an MOT test Certificate (VT30) our policy will cover the cost of replacement parts or repair, including labour and VAT.

Damaged alloys certainly do not have “Kerb Appeal” and our Alloy Wheel policy will pay the cost of repairs and offers the client the assurance their car can continue to look great. In the modern world, as people are moving from car to car it is easy to fill your diesel engine with petrol or vice versa. The damage could be extensive as well as inconvenient. The additional benefit of this product is the Misfuelling Cover, and as 17 motorists every hour will tell you, filling your car with the incorrect fuel can be disastrous and very expensive to repair.

The vehicle repair costs for the 150,000 drivers who made this mistake totalled £50 million*, the average cost of the

mistake being typically £300.

MOT, ALLOY WHEEL & MISFUELLING

COVER

Covers the policyholder for up to £750 in respect of:

• MOT failure

Cover for repair or replacement parts for:

• Lighting Equipment • Brakes

• Steering and Suspension • Seats and Seatbelts • General Issues

Covers the policyholder for up to £1,000 in respect of:

• Damage to Alloy Wheels • £125 per individual claim

• More than one claim can be made on section

Covers the policyholder for up to £2,500 in respect of:

• Repairs to their vehicle if the wrong fuel is added to the fuel tank accidentally

• More than one claim can be made on section

Excess

£25.00 for any one Alloy Wheel claim No Excess for MOT Claims

MOTOR EXCESS

PROTECTION

E X C E S

S

Any incident can be a shock but can be quickly followed by an equally unpleasant one when your client is asked to pay the excess charge. With the benefit of our motor excess protection the additional burden of paying the excess is removed. Motor excess protection will reimburse the excess paid on any claim for malicious damage, accidental damage, fire, theft or attempted theft.

MOTOR EXCESS

PROTECTION

Cover for one claim per policy term in respect of:

• Excess paid as a result of an accidental damage claim • Excess paid as a result of a fire, theft or attempted theft claim

Excess

There is no excess to pay when making a claim

Motor Excess Protection product range includes the following levels of indemnity: • £250 • £500 • £750 • £1,000

Our Excess Protection product range includes the following:

SCRATCH & DENT

COVER

We understand that for many motorists, their vehicle can be their pride and joy and a lot of effort and care goes into ensuring their vehicle remains in excellent condition. Unfortunately over time a pristine paint job on a vehicle can suffer from scratches and dents from road debris and general wear and tear for example. The financial cost of fixing these issues, however minor, can work out extremely costly. Our Scratch & Dent policy provides cover up to £1000 to cover the cost of repairs arising from accidental scratches and dents to the body work of your vehicle or to the alloy wheels. More than one claim can be made in one period of insurance providing that the total sum claimed does not exceed £1,000 in respect of scratches and dents.

Limit of Cover

£1,000

Cover for £1,000 in respect of:

• Accidental scratches to the paintwork • Accidental dents to the bodywork • Accidental damage to the Alloy Wheels

More than one claim can be made on the policy providing:

• Total sum claimed does not exceed £1,000 for scratches, dents and alloy wheels

• Covers policyholder and extends to anyone in charge of the vehicle when the incident happens.

• No affect to the No Claims Discount on the main policy Cover on this policy extends to incidents that occur in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Excess

£50

SUBSTITUTE VEHICLE

COVER

It is common practice with most insurers that their policies only offer a courtesy vehicle when the client’s vehicle is being repaired after an accident.

Our substitute vehicle cover is designed to help keep your clients on the move by providing a solution for accident and theft claims and can include a vehicle which is deemed a total loss.

This product can be tailored to suit your needs, from the type of vehicle to the duration of hire. We can adjust the product, including the risk specifications, to best compliment your client’s main policy.

Limit of Cover

Cover for up to 7, 14, 21 or 28 days hire vehicle as a result of:

• The policyholder’s vehicle being stolen and not recovered, • The policyholder’s vehicle being written off as a result of an

accident, fire or act of vandalism

• Other risks such as the vehicle being rendered undriveable can be included

The policyholder will be supplied with:

• A car with similar engine size to their own • A van with a similar capacity to their own

• They can opt for £150 cash payment instead of a hire vehicle

The type of vehicle or maximum specifications can be tailor made. Cover extends to the United Kingdom.

Substitute Vehicle product range includes:

• Hire periods of: 7, 14, 21 or 28 days • Substitute Van Cover

• Substitute MPV Cover

• Substitute Dual Control Vehicle Cover • Substitute Bike Cover

• Substitute Vehicle (Class S2 or Class S5) • Adapted Vehicle Cover

Excess

There is no excess to pay when making a claim.

TAXI EXCESS

PROTECTION

Any incident can be a shock but can be quickly followed by an equally unpleasant one when asked to pay the excess charge, especially for businesses.

With the benefit of our Taxi Excess Protection policy, the additional burden of bearing the excess is lifted. Cover is in place for the policyholder and named drivers on the motor insurance.

Taxi Excess Protection will reimburse the excess paid to the client’s motor insurer on making a claim.

Limit of Cover

The amount of the policyholder’s motor insurance excess, to a maximum of the specified level of indemnity.

Taxi Excess Protection product range includes the following levels of indemnity:

• £500 • £1,000 • £1,500 • £2,000

The Excess Protection product range includes the following:

• Motor Excess Protect • Lifestyle Excess Protect • Home Excess Protect

Excess

There is no excess to pay when making a claim.

TOOLS IN TRANSIT

COVER

Losing or damaging tools whilst in a vehicle can have a serious financial effect on a clients ability to earn their necessary income. Our Tools in Transit cover creates peace of mind when tools and equipment are lost, damaged or stolen whilst in transit, for a policyholder is still able to continue with their trade and not suffer financially.

Most commercial van insurance policies will not automatically provide cover for goods or tools in the vehicle. Our Tools in Transit Cover can be purchased to compliment the client’s existing cover for this expensive occurrence.

TOOLS IN TRANSIT

COVER

Provides the policyholder with cover for up to £1500 per item and up to the specified level of cover chosen per policy period to:

• Cover their tools of the trade

• Cover their tools of the trade if they are damaged or stolen whilst in the vehicle

• Cover their tools of the trade if they are damaged whilst being loaded on and unloaded from their vehicle • They may make any number of claims as long as the total

sum claims does not exceed the specified sum

No affect to the No Claims Discount on the policyholder’s main policy.

This policy will (at the insurer’s option):

• Pay a sum in respect of their value; or • Repair the tools; or

• Replace the tools; or • Reinstate the tools

The Tools in Transit product range includes the following levels of indemnity to choose from:

UNINSURED DRIVER

PROTECTION

Despite the insurance industry and police doing all they can to stamp out the issues, unfortunately around 1 in 20 drivers is uninsured on Britains’ roads.

Whilst the Motor Insurers’ Bureau can help with some claims against uninsured drivers who cause accidents, there is a significant risk of additional expense or unrecovered loss to the innocent motorist. This policy will provide a payment of to the policyholder if they are the victim of an accident caused by an uninsured driver.

Whilst clients can pursue a claim through the Motor Insurers Bureau claims may be subject to an excess of £300.

UNINSURED DRIVER

PROTECTION

£500 cover payable as the result of an accident with an identified uninsured driver.

One claims can be made per policy term.

The policy covers accidents that occur in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Cover extends to the policyholder together with any person aged 19 years or over who is named as a driver under the motor insurance policy.

Excess

WINDSCREEN

COVER

Our Windscreen & Glass Cover provides indemnity options to insure your clients windscreen and glass windows in respect of breakage or damage. We will cover any damage to the windscreen that is sufficient to cause your vehicle to fail its MOT test.

There are two ways in which a claim can be made. If opting to use our recommended glass repair/replacement provider we will arrange for our glass repair/replacement provider to contact and arrange for the broken or damaged glass to be repaired or replaced.

Alternatively the option to instruct a glass repair/replacement provider of choice is also available. However the client will still need to contact us before work is carried out and they will also be asked to pay the provider in full and send us a receipt for them to be reimbursed.

WINDSCREEN

COVER

£300 cover in respect of:

• Cover for glass in respect of breakage or damage • Damage to glass that causes the policyholder’s vehicle to

fail its MOT Test

• Option to use our glass provider, or arrange a glass provider of the policyholder’s choice*

• No affect to the policyholder’s No Claims Discount on the main policy

The Windscreen Cover product range includes the following levels of indemnity to choose from:

• £300 • £500 • £1,000

Excess

£50.00 each and every claim if you use our recommended glass repair/ replacement provider; or

£100.00 each and every claim if you do not use our recommended glass repair/replacement provider.

COMMERCIAL

LEGAL EXPENSES

Even the best-managed businesses can find themselves faced with litigation. Without the correct advice and representation, this can place an untold financial strain on the business, notwithstanding the personal, emotional and psychological impact this can have on those involved.

COMMERCIAL

LEGAL EXPENSES

The policy provides cover for Legal Expenses incurred in various circumstances, including:

• Legal costs: any one claim £100,000. Total aggregate in any one Period of Insurance £1,000,000

• Witness Attendance Allowance: £100 per day. Total £1,000 for any one attendance

• Defending the business in a criminal court • An appeal against service of an Improvement or

Prohibition Notice under the Health & Safety at Work Act 1974 or the Food Safety Act 1990

• A Full Enquiry or Aspect Enquiry by HMRC into a Self- Assessment Tax Return

• A VAT assessment appeal

• Defending a claim by an employee or ex-employee (including cover for Basic and Compensatory Awards and compensation for unlawful discrimination ordered by an Employment Tribunal)

• Property disputes including possession and tenancy disputes

• Proceedings under S13 Data Protection Act 1998 • Appealing suspension, revocation or non-renewal of a

Statutory Licence necessary for the business

• Pursuit of personal injury claims arising from the actions of a third party

Excess

COMMERCIAL

LEGAL EXPENSES

PREMIER

CommercialPlus Premier Legal Expenses offers full protection as stated in Commercial Legal Expenses with the addition of:

Contract disputes, including Debt Recovery Motor Disputes

Wrongful Arrest Defence Insolvency Practitioner Fees Pension Trust Defence Jury Service

Loss Assessor Fees

COMMERCIAL

LEGAL EXPENSES

PREMIER

Limit of Cover

The Policy provides the same level of cover as Commercial Legal Expenses. However it also includes:

• Legal costs: Any one claim £100,000. Total aggregate in any one Period of Insurance £1,000,000

• Witness Attendance Allowance: £100 per day. Total £1,000 for any one attendance

• Contract disputes relating to the sale of goods, hire of goods or supply of services

• Recovery of uncontested debts where the usual credit control procedures have been exhausted

• Defence of civil claims for wrongful arrest or malicious prosecution

• Contract disputes relating to the policyholder’s vehicle • Personal injury claims arising out of a road traffic accident

involving the policyholder’s vehicle • Fees of insolvency practitioners

• Defending civil claims against you as trustee of an employee pension fund

• Fees of loss assessors

• Attendance expenses for jury service

Excess

COMMERCIAL

PROPERTY OWNERS

In recent years there has been considerable change in the property sector, placing new and increasing pressures on Property owners, developers and managing agents. These changes, together with increased competition and a rise in governmental regulations, are accelerating the pace of change within the industry bringing growing demands for new insurance services and more flexible and imaginative property solutions.

Any property owner can find themselves faced with litigation. Without the correct advice and representation, this can place an enormous financial strain on you and your business. CommercialPlus provides cover that you need. As society becomes progressively more litigious you will benefit from protection against the increasing risk of legal costs.

The risks to which property owners are exposed are not necessarily the same as those faced by other SME businesses. This applies to the risks of legal expenses your business faces everyday.

COMMERCIAL

PROPERTY OWNERS

Covers legal costs for:

• Legal Costs: Any one claim £100,000. Total aggregate in any one Period of Insurance £1,000,000

• Witness Attendance Allowance: £100 per day. Total £1,000 for any one attendance

• Matters connected with the property, including possession proceedings, disputes over the terms of a lease and nuisance

• Contracts relating to the repair or renovation of the property where the amount exceeds £1,000 and the contract price is under £100,000

• Defending the policyholder against Health & Safety prosecutions

• Appeals against the service of a Health & Safety

Improvement or Prohibition Notice relating to the property • Representation in an investigation by HMRC, including

tribunal and tax commissioners’ hearings and appeals • Defending the policyholder against an employment claim

by an employee or ex-employee providing that before taking action the policyholder has obtained and followed the advice of the Helpline

• Loss Assessors’ fees

Excess

£250 if our appointed representatives are used

COMMERCIAL

TRADESMAN

Small businesses are faced with the same legal and tax issues as large organisations and can find themselves faced with litigation or taxation disputes. Without the correct advice and representation, this can place an untold financial strain on the business, notwithstanding the personal, emotional and psychological impact on those involved.

CommercialPlus provides an advice and claims management solution to reduce the risk of litigation and ensure the best possible support, should the worst happen. Our commercial insurance products and services are designed to encourage a proactive approach to risk management reinforced by expert legal advice from our team of professional advisers.

Limit of Cover Any One Claim

£100,000

The aggregate of all Claims notified during the period of insurance: £1,000,000

This policy will cover the policholder for;

• Criminal Prosecutions. Defence of the insured in a criminal

court, and appeals against a Service of Improvement or Prohibition Notice under Health & Safety and Food Safety Legislation

• Tax Protection including costs incurred as a result of a

HMRC full enquiry which includes a request to examine all of their books and records, PAYE disputes arising following a compliance review and a VAT dispute following a visit undertaken by HMRC

The policyholder will also have access to online HR and Health and Safety documents 24/7.

Excess

£250 if our appointed representatives are used

£1000 if the policyholder’s own appointed representatives are used.

LANDLORD

HOME EMERGENCY

Landlords can have peace of mind that they are always prepared for the unexpected with our Landlord Home Emergency policy for residential lets. This policy has been designed to compliment a landlord’s buildings insurance policy and ensures protection is available around the clock for both the landlord and their residential property.

The policy provides up to £300 of cover per claim should an emergency arise. Assistance is available 24/7, 365 days a year from fully qualified tradesmen who are able to attend the property in the event of an insured emergency.

Examples of an emergency to a residential property include:

Failure of the central heating system such as a faulty boiler;

Failure of the gas system; Plumbing or drainage issues;

LANDLORD

HOME EMERGENCY

Insured emergencies: £300 (inc VAT) per claim. Alternative Accommodation: £100 (inc VAT) per claim.

The cover will pay for a temporary repair in the event of:

• Burst pipes or sudden leakage which is likely to cause damage to the policyholder’s property or contents • Complete heating or hot water failure

• Failure of any of the mains supplies of water, gas or electricity

• Blockage, breaking or flooding of drains or sewers • Inoperable toilet where no other toilet is available in the

policyholder’s property

• Failure of or damage to the property’s external locks, doors or windows which affects the security of the property • Failure of the roofing, down-piping or guttering and water

and damage being a likely result of such failure • Infestation of pests

• Will cover permanent repair if more cost effective

Additional Benefit:

• £100 overnight accommodation should the policyholder’s property become uninhabitable for their tenants.

Excess

RESIDENTIAL

LANDLORD LEGAL

Our Residential Landlord Legal Insurance provides landlords with cover to pursue or defend a claim arising from a problematic tenant over property legal disputes and rental recovery.

This removes many of the worries landlords have and also provides a `Dial an Expert` advice line. This gives the client access to consultants who are available to assist with practical advice on income tax, VAT, employment, health and safety and general legal issues.

Increased protection can also be purchased which will provide rent guarantee, safeguarding landlords against missed rental payments.

RESIDENTIAL

LANDLORD LEGAL

• A total of all claims notified in any one period of insurance £500,000.

• Any one claim: £100,000.

This policy will cover the policyholder for up to £100,000 of legal fees per claim, for matters such as:

• Possession of the property

• Nuisance emanating from the property

• Damage to the property caused by the tenant or a third party

• Rent recovery - provided the tenant has defaulted on payment and accumulated rental arrears of over £1000 • Landlord attendance expenses up to £100 per day up to

£1000 in the event that you need to attend court The policyholder will also have unlimited access to 24/7 365 days a year legal advice from our qualified specialists

Excess

• £Nil where the insured has obtained a positive personal reference in respect of the tenant or the tenant has passed a credit reference check; or

• £200 where the insured did not obtain a positive personal reference in respect of the tenant or the tenant did not pass a credit reference check

RESIDENTIAL

LANDLORD LEGAL

PREMIER

Limits of Cover

This policy will cover the policyholder for up to £100,000 of legal fees per claim, for matters such as:

• Legal Costs: Any one claim £100,000. A total of all claims notified during the period of insurance: £1,000,000 • Eviction: Up to £50,000 of advisers´ costs per claim • Rent Protection: Monthly rent up to a maximum of £2,500

per month, the maximum rent payable per claim is £25,000 or 12 months rent, whichever is less

• Possession of the property

• Nuisance emanating from the property • Repairs and renovations relating to the property • Damage or dilapidations to the property caused by the

tenant or a third party • Tax protection

• Unlimited access to 24/7 365 days a year legal advice • Access to online documents for Health and Safety

Legislation and HR matters

Excess

• Legal Expenses: £250 when panel solicitors are appointed £1000 when non panel solicitors are appointed

• Eviction: £Nil if eviction was due to failure of rent, then arrears must be greater then £250

• Rent protection: £500 or one month’s rent, whichever is the greater. £1000 if an alternative appointed representative is used

RESIDENTIAL

LANDLORD LEGAL

FAMILY

LEGAL EXPENSES

Suffering from an injury in a public place or at work as a result of someone else’s negligence, or employing the services of a tradesman who has not completed a job satisfactorily can cause upset and frustration to anybody.

We can all imagine the despair and worry faced by so many people every day; worrying about the cost implications, obtaining assistance, and not knowing where to turn to for help and advice.

What does FamilyPlus offer?

FAMILY

LEGAL EXPENSES

£50,000 or £100,000

Cover Consists Of:

Legal costs and expenses for the policyholder to pursue a civil claim directly arising from one or more of the following:

• Personal injury or death

• Any problems arising from the purchase or sale of their main residence

• Property disputes concerning their residence • Consumer disputes including hire, leasing, sale or

purchase of any goods and services for private or personal use

• Breach of contract of employment with their employer including unfair dismissal

• Cover extends to family members residing at their address, including parents and parents-in-law, and children under the age of 21.

• Unlimited use of our 24 hour Legal Helpline

Excess

SECOND HOME

LEGAL EXPENSES

Whatever type of holiday caravan insurance or leisure home insurance you provide, we are able to enhance the cover by providing legal expenses insurance to your clients who own a second home, static caravan, park home, chalet, lodge or log cabin.

The policy covers legal and professional fees, costs and expenses up to £50,000 in connection with pursuing civil legal proceedings in respect of insured incidents.

You will not only benefit from a 24 hour, 7 days a week claims line, but also a 24/7 legal advice line.

FamilyPlus covers matters such as property disputes, personal injury, breach of contract and employment disputes including unfair dismissal. FamilyPlus will instruct experienced solicitors from their approved panel to assist the client.

Limit of Cover

Legal costs and expenses up to £50,000 to pursue a civil claim directly arising from one or more of the following:

• Personal injury or death

• Problems arising fromthe purchase or sale of the policyholder’s main residence, second home, park home or static caravan

• Property disputes concerning those properties

• Consumer disputes including hire, leasing, sale or purchase of any goods and services for private or personal use • Breach of contract of employment with the policyholder’s

employer including unfair dismissal

• Cover extends to family members residing at the policyholder’s address including parents and parents-in-law and children under the age of 21.

• Unlimited use of our 24 hour Legal Helpline

Excess

£250 in respect of property claims. £25 in respect of all other types of claim.

HOME BUYER

PROTECTION

Our Home Buyer Protect policy is a simple policy designed to give peace of mind in reference to home buying. The thought of moving house is stressful enough on its own however the worry of a house purchase falling through can cause upset and stress too.

Our policy has one main aim in mind; to reimburse the costs that would of been lost if a property purchase falls through for the new buyer.

Home Buyer’s Protection is designed to ease some of the financial worries for potential home buyers by reimbursing some of the costs which you may have lost, so that you have the funds available to purchase an alternative home.

HOME BUYERS

PROTECTION

Our Home Buyer’s Protection policy insures against the risk of being unable to recover conveyancing fees, mortgage arrangement fees and survey and valuation fees following the purchase of a property falling through.

Cover is also in place should the policyholder not be able to continue with the purchase due to redundancy or relocation at work, or they or the person with whom they are jointly purchasing the house being unable to continue with the purchase due to death or a terminal illness.

Limit of Cover

• £750 towards conveyancing fees (including searches) • £250 towards mortgage/lender’s fees

• £500 towards survey/valuation fees

Excess

HOME EMERGENCY

COVER

This policy is designed to compliment your clients household insurance. In the event of an emergency, we will arrange for a qualified, approved tradesman to provide rapid expert help for the client and carry out temporary repair work to resolve the emergency. These costs will be covered up to the limit of indemnity purchased.

The policy also allows vital services to the home to be restored. Some common emergencies frequently reported and covered under this policy include burst pipes or sudden leaks and breakdown of central heating and/or hot water.

HOME EMERGENCY

COVER

Covers £500 (incl VAT) per claim

The cover will pay for a temporary repair in the event of:

• Burst pipes or sudden leakage which is likely to cause damage to the policyholder’s property or contents • Complete heating or hot water failure

• Failure of any of the mains supplies for water gas or electricity

• Blockage, breaking or flooding of drains or sewers • Inoperable toilet where no other toilet is available in the

policyholder’s property

• Failure of or damage to the property’s external locks, doors or windows which affects the security of the property • Failure of the roofing, down-piping or guttering and water

and damage being a likely result of such failure • Infestation of pests

Additional Benefit:

• £100 overnight accommodation should the policyholder’s property become uninhabitable for their tenants. Assistance is available 24/7 365 days a year from qualified tradesmen.

Excess

HOME EXCESS

PROTECTION

With the rising premiums of household insurance, there has also been an increase across the UK in relation to excess charges meaning claiming on a main household policy can end up being costly.

An insurance excess is the most common out of pocket expense a policyholder can face when making a claim on their household insurance. Therefore it is important to ensure that even after a successful claim, the policyholder will be reimbursed for the excess paid out initially.

Should the policyholder be unfortunate enough to have to make a claim on their home insurance and be asked to pay their policy excess, they will have peace of mind knowing that the excess will be reimbursed by our Home Excess Protect cover.

By having Home Excess Protect the policyholder could increase the excess on their home insurance policy therefore potentially reducing the initial premium and saving money.

Limit of Cover

The amount specified as the chosen level of indemnity.

Home Excess Protection product range includes the following levels of indemnity: • £250 • £500 • £750 • £1,000

The Excess Protection product range includes the following:

• Motor Excess Protect • Taxi Excess Protect • Lifestyle Excess Protect

Excess

There is no excess to pay when making a claim.

HOME PIPE

COVER

This policy compliments any main home insurance cover including home emergency as it provides protection against those areas which are normally excluded from a standard policy.

We provide cover up to £3000 (including VAT) in the event that an underground water supply pipe to the insured property becomes blocked or leaks, there is a leak within the property’s internal gas supply or there is a complete failure of the electrical wiring system at the property.

HOME PIPE

COVER

Covers up to £3,000 per policy period for the following claim types:

• Leakage or blockage to underground water supply

• Cost of appointing an engineer to visit and locate the source of the problem

• Cost of repair or replacement of damaged section of the underground water supply

• Cover for leaks and blockages of pipes which the policyholder is responsible for

outside the property boundaries

• If the water supplies are shared, we will only provide cover for the policyholder’s share

• Leak of the internal gas supply

• Cost of appointing an engineer to visit and locate the source of the leak

• Cost of repair or replacement of damaged section of the internal gas supply

• £500 towards the costs of replacing internal hard flooring or plasterwork which is damaged or removed by the investigating engineer

• Complete failure of the electrical wiring system

• Cost of appointing an engineer to visit and identify the electrical fault

• Cost of repair or replacement of the faulty section of the electrical wiring and/or replacement of the fuse box. If the policyholder’s home should become uninhabitable for more than 48 hours as a result of one of the above claims, we will provide up to £125 per night to a maximum of £500 per claim for hotel costs where no alternative accommodation is available.

Excess

ACCIDENTAL DEATH & PERSONAL

ACCIDENT

COVER

Accidents can turn lives upside down. This affordable policy is designed to pay a lump sum to help ease financial burden in the event of an accident resulting in permanent injury or accidental death.

This policy can run concurrently with the client’s relevant insurance policy and compliment their cover by covering incidents that occur whilst travelling in a car, either on their own or as a driver or passenger in another vehicle. The home policy provides cover to the client and their families for accidents resulting in permanent injury or accidental death in the home.

Additional benefits are available with this policy, such as road rage cover. In 2009 it is estimated that 90% of drivers were involved in a road rage incident*. Our cover assists clients with some of the financial implications that can arise from such an incident, including stress counselling and damage to personal effects.

ACCIDENTAL DEATH & PERSONAL

ACCIDENT

COVER

Limit of Cover

• Accidental Death: £30,000*

• Loss of sight in one or both eyes: £30,000 • Loss of one or more limbs: £30,000 • Permanent total loss of speech: £30,000 • Permanent total loss of hearing in one ear: £7,500 • Permanent total loss of hearing in both ears: £30,000 • Permanent total disability: £30,000

The maximum accumulation limit for any one accident is £240,000.

*If an insured person is under 16 years of age, the accidental death benefit is limited to £2,500.

A reduced limit of cover option is also available as follows:

• Accidental Death: £15,000*

• Loss of sight in one or both eyes: £15,000 • Loss of one or more limbs: £15,000 • Permanent total loss of speech: £15,000 • Permanent total loss of hearing in one ear: £3,750 • Permanent total loss of hearing in both ears: £15,000 • Permanent total disability: £15,000

The maximum accumulation limit for any one accident is £120,000.

* If an insured person is under 16 years of age, the accidental death benefit is limited to £2,500.

Excess

GADGET

COVER

PREMIER

Electronic gadgets are now part and parcel of our everyday lives and in addition to the inconvenience, the cost of replacement can be expensive and depending on the model can run into hundreds of pounds.

Gadget Cover Premier will provide cover without the need to claim on a main motor or household policy, keeping any No Claims Discount intact.

GADGET

COVER

PREMIER

The policyholder can choose from the following gadgets to insure with the cover limit and excess:

Type of Gadget Insured

Cover Limit Excess

Standard Mobile £150 £25 iPhones/Smart Phones/Android £1,000 £50 Digital Cameras £500 £25 Sat Navs £150 £25 MP3/iPods £150 £25 Portable DVD Player £250 £25 Portable Game Consoles £300 £25 Laptops £600 £50 e-Readers £150 £50

HANDBAG

COVER

The ever increasing demand for the latest designer gear is dramatically on the increase to keep up with the powerful world of fashion. This has led to more and more women investing in the latest designer handbags however these days its not just the bag thats expensive, the value of the content is rapidly on the increase too.

Most people do not think about the overall cost of the items they carry round with them on a day to day basis. Typically, the average woman’s handbag and contents are worth around £800. When you consider the variety of items a woman will sometimes carry around with her it is not that surprising that the value of a lady’s handbag can be so high.

With our cover there is no need for the client to claim on their main policies, no policy excess to pay and keeps their no claims discount intact.

HANDBAG

COVER

£500

Our handbag policy provides cover up to an agreed level of indemnity in the event that a client’s bag is stolen or damaged as a result of an incident involving their vehicle.

We will cover the cost of repair or replacement of the handbag and also its contents including mobile phone, keys, sunglasses, portable music player and cosmetic products.

Cover is in place for claims that occur within the UK, Northern Ireland, Isle of Man and the Channel Islands.

Excess

£25 for the first claim

ID THEFT

ASSISTANCE & INSURANCE

Identity theft is one of the UK’s fastest growing crimes, costing the country an estimated £1.7 billion per year.* As such, we believe it is essential that your clients have the correct professional support and advice to help them counteract identity theft. Whether the client is concerned that they may have become a victim of identity theft, or just requires general advice, ULR’s Identity Theft helpline provides an efficient and first rate service relating to any concerns that a client may have.

In the unfortunate event that a client falls victim to identity theft, our friendly, understanding staff will provide practical, informative advice, guiding the client through their next steps. Our staff will advise what needs to be done and who they must contact to prevent any continuing loss.

In addition to all the benefits provided with the Identity Theft Assistance clients can opt for the increased protection of Identity Theft Insurance. This cover provides insurance against costs incurred when trying to resolve issues resulting from an identity being stolen and covers everything from the cost of your calls to travel expenses and even for the cost of duplicate documentation.

ID THEFT

ASSISTANCE & INSURANCE

Limit of Cover

£300 in respect of loss of documents whilst abroad for:

• Reimbursement for expenses contacting authorities • Travel costs to get to the nearest consulate • Unlimited use of the telephone helpline 24/7

Excess

There is no excess to pay when making a claim.

ID Theft Insurance Limit of Cover

Covers £10,000 in respect of:

• defending actions by supposed creditors • Restoring the policyholder’s credit record • Challenging the accuracy of credit records

• Direct expenses the policyholder may incur (e.g. Phone calls, postage or loss of earnings)

Additional benefits

• Expert advice from 24/7 helpline

• Access to a website for advice and information to protect the policyholder’s identity

• Access to the policyholder’s credit reports, with enhanced monitoring of their credit files

• Alerts where the policyholder’s credit rating changes • Advice and assistance to reduce risk if fraud has been

identified

• Rectifying the damage to the policyholder’s credit records

Excess

KEY PROTECTION

INSURANCE

Key Insurance has become one of the established add-on products customers expect with both motor and home insurance. The concept of insuring keys is widely understood and increasingly popular due to the rise in cost and sophistication of keys. Leading insurance brokers and financial institutions use Boomerang-Tag to increase margins and as a branding opportunity.

Key Protection is designed to look after your customers should their keys be lost, stolen or broken. Customers are provided with a high quality key fob with a unique reference number. The benefits are:

£1500 worth of cover per annum Any key attached to the fob is covered No excess

No limit to the number of claims £10 finder’s reward

24 hour Emergency Helpline

KEY PROTECTION

INSURANCE

£1500

Our key cover is designed to look after policyholders should their keys be lost, stolen or broken.

The benefits to policyholders

Covers £1500 in annual charges for:

• Access to approved and regularly inspected locksmiths • Garage Invoices and Locksmith charges

• Reprogramming of immobilisers • Recovery

• Finder reward

• Hire Charges and Onward Travel Expenses • £50 available for claims where their keys locked in • No limit to the number of claims made (subject to the

aggregate of £1500) • £10 finders’ reward offered

Additional Benefits

• Covers any and all keys attached to the fob provided • No affect to No Claims Bonus

• 24 hour, 365 days a year helpline

Excess

There is no excess to pay when making a claim.

LIFESTYLE EXCESS

PROTECTION

Our Lifestyle Excess Protect policy will reimburse the insurance excess should a policyholder need to make a claim on their home insurance, pet insurance, motor insurance or travel insurance with a range of levels of indemnity to suit.

Should they be unfortunate enough to have to make a claim on their home insurance, pet insurance, motor insurance and/or travel insurance and be asked to pay their policy excess, they will have peace of mind knowing that the excess will be reimbursed by their Lifestyle Excess Protect cover.

By having Lifestyle Excess Protect policyholders could increase the excess on their insurance policies covered with this policy, therefore potentially reducing the initial premium and saving money.

Any number of claims can be made within the period of insurance providing that the total sum claimed for all such claims does not exceed the limit of cover.

Limit of Cover

The amount specified as the chosen level of indemnity

Lifestyle Excess Protection product range includes the following levels of indemnity: • £250 • £500 • £750 • £1,000

The Excess Protection product range includes the following:

• Motor Excess Protect • Taxi Excess Protect • Home Excess Protect

Excess

There is no excess to pay when making a claim

WEDDING

INSURANCE

A wedding is one of the most important days of your life and one of the most costly. Whilst we all hope that the big day will run according to plan, it has become increasingly popular to insure the event, giving peace of mind that should something go wrong your clients will not be out of pocket.

Our wedding Insurance policy protects against a range of unfortunate events and ensures that whatever the budget, its easy to choose the right level of protection. We have included choice of optional extras too, making your insurance policy right for your big day.

WEDDING

INSURANCE

• Cancellation

• Loss or damage of ceremonial attire • Insolvency of pre booked suppliers • Loss damage of theft of wedding gifts

• Loss or damage of wedding rings, flowers, attendance gifts and the wedding cake

• Loss of essential documents for weddings abroad • Problems with photography or video

The Policy will also cover for:

• Legal proceedings in the event of your death or personal injury