Express News 2013 Summer Edition

ExpressNewsThe Newsletter for Commercial Express Agents www.ceqonline.co.uk

to be in with the chance to WIN 6 BOTTLES OF CHAMPAGNE for your office!

Inside FURTHER PROPERTY OWNERS SAVINGS• Commercial Combined Twenty 20 competition • Market Traders product launch • Underwriting news • New rating guides now available • Caravan rate reduction • CX product updates.

Issue 9 July 2013

SAVE UP TO 28%

DSS NON-REFERRAL NOW RATED AS PROFESSIONAL

on CX LET LLOYD’SRATE REDUCTIONS

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Minimum premiums across our three exclusive schemes for commercial and industrial buildings have now been reduced to just £200.

Provides protection for commercial properties tenanted by high street trades.

Accommodates over 560 trades.

Caters for vacant commercial and industrial buildings that are undergoing refurbishment, renovation, pending sale or purely awaiting occupation.

Minimum Premiums Reduced to £200

Commercial PO

Industrial PO

Unoccupied

Commercial Express has reduced the minimum premium on our Landlord’s Contents product to only £50, which equates to a massive 33% discount!

CX Landlord’s Contents cover is available on a New for Old basis for Loss or Damage and includes Replacement of Locks following theft of keys, Loss of Metered Water plus Loss of Rent 20% of the sum insured.

For an additional premium your client can have the benefit of extending cover to include Accidental Damage if let to professionals, therefore offering added protection.

Up to 33% Savings on Landlord’s ContentsLandlords Contents

Additional option on Property Owner’s LiabilityA £5 million option on Property Owner’s Liability has now been added to CEQ online for CX Industrial, CX Commercial and CX Unoccupied. The broker portal will still automatically quote for £2 million POL, however there is now the added option to increase to £5 million.

www.ceqonline.co.uk Cover in an Instant

Minimum premiums across our three exclusive schemes for commercial and industrial buildings have now been reduced to just £200.

Provides protection for commercial properties tenanted by high street trades.

Accommodates over 560 trades.

Caters for vacant commercial and industrial buildings that are undergoing refurbishment, renovation, pending sale or purely awaiting occupation.

Commercial Express has reduced the minimum premium on our Landlord’s Contents product to only £50, which equates to a massive 33% discount!

CX Landlord’s Contents cover is available on a New for Old basis for Loss or Damage and includes Replacement of Locks following theft of keys, Loss of Metered Water plus Loss of Rent 20% of the sum insured.

For an additional premium your client can have the benefit of extending cover to include Accidental Damage if let to professionals, therefore offering added protection.

CX Let – Rate Reductions on Lloyd’sCommercial Express are delighted to announce new rate reductions and size discounts on our flagship product CX Let – Lloyd’s

• DSS NON-REFERRAL – now rated the same as Professional with savings of up to 28%

• 5% RATE REDUCTION across all CX Let rates*

• Increased SIZE DISCOUNTS up to 25%

CX Let Lloyd’s is tailored specifically for residential dwellings and provides the essential components to ensure your client’s property is adequately protected.

Providing cover for a range of tenants including professionals, student, DSS, asylum seekers, unoccupied properties as well as UK holiday and second homes, CX Let Lloyd’s offers the complete solution for today’s landlord.* Excluding unoccupied properties

Unoccupied period now extended Previously CX did not provide cover on any residential let, commercial, industrial or unoccupied properties that had been vacant for over 3 years. CX are pleased to announce this has now been extended to a 5 year vacant term allowance on CX Unoccupied and CX Let-Lloyd’s.

Unoccupied

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CX has announced up to 50% savings across our Land Liability product with premiums starting from just £85.

A new rating guide is now also available. To order a copy of the new guide email [email protected]

New rating guides NOW AVAILABLE!

You can grab yourself an updated Event rating guide. CX Event now enables you to hold cover for 365 days in advance of the event date.

Simply email [email protected] confirming the quote reference and the inception date.

Event Evolves

Massive Savings on Land Liability!

ORDER YOURSTODAY!


CX has announced up to 50% savings across our Land Liability product with premiums starting from just £85.

A new rating guide is now also available. To order a copy of the new guide email [email protected]

New rating guides NOW AVAILABLE! cXtra Product - New Product Launch

Grab Yourself a BargainYou can now grab a bargain for your market trading clients with the launch of CX Market Traders. This is a new specialist liability policy designed specifically for both indoor and outdoor market traders, offering up to 70% savings when compared to our standard CX Liability policy.

CX Market Traders covers over 130 different trades including an online trading extension cover and can be further extended to increase Public/Products Liability up to £10 million.

With premiums starting from only £75, we really do have something to shout about!

Market Traders

WAS NOW SAVING CX Liability CX Market (Per Capita) Traders

Insured Only £101.50 £75.00 £26.50 26.11%Insured plus 1 employee £258.96 £75.00 £183.96 71.04%Insured plus 2 employees £416.66 £125.00 £291.66 70.00%Insured plus 3 employees £574.00 £175.00 £399.00 69.51%Insured plus 4 employees £731.50 £225.00 £506.50 69.24%Insured plus 5 employees £889.00 £275.00 £614.00 69.07%

Example - Occupation: Fashion Retailer Min premiums from £75. Rates Based on 5 years NCD


Tasty Rates on H VansCX Catering Van is offering great rates for Citroën H Vans with key benefits including 65% mirrored no claims discount regardless of number of drivers, free protected No Claims Discount* plus Fixtures & Fittings with full Fire cover as standard.

The Citroën H Van is a delightfully unusual truck produced between 1947 and 1981. Their distinctive corrugated bodywork was inspired by the German Junkers Aircraft of the 1930’s and adds to their nostalgic look, leading to many of these vehicles now being converted to trendy mobile eateries.

Catering Van

The Sun is shining on CX Caravan this summerCX is offering a 5% rate reduction across both Touring and Static Caravan insurance products in time for the summer holidays, along with an extension to No Claims Discount to 5 years, which equates to a 25% discount.

In addition CX has increased the value on static caravans that can be quoted online from £50,000 to £75,000, before referral.

CX Caravan has been designed to provide comprehensive and competitive cover for both touring and static caravans including park homes. Schemes cater for new and experienced caravanners, plus caravans with a wide range of values.

Both schemes offer excellent levels of cover and benefit from 20% commission.

Caravan

* *Free protected No Claims Discount is available when a current CX Outside Catering policy is in force


Short TermUnoccupiedShort TermCX SHORT TERM

UNOCCUPIED 3, 6 or 9 months cover Protecting your client’s property when it’s at greater risk

NEW PANEL

ARRANGEMENT

COMING SOON

ContractorsAll Risk No Referral on CAR

up to 12 months in contract length

CX’s Contractors All Risk scheme has been updated to quote for up to a 12 month contract without referral. Previously the system would refer on any contract that was over 6 months in duration.The CX Contractors All Risk scheme is tailored to suit over 60 trades and offers small to medium contractors cover including Contract Works, Owned Plant, Hired in Plant and Employee’s Tools & Personal Effects.

Other benefits of the policy include:• ContractWorksavailableinisolation• £1,000,000contractlimitavailable• OptiontoincludeOwnedPlant,HiredinPlant and Employee’s Tools and Personal Effects• Minimumpremiumfromonly£250• UnderwrittenbyHSBEngineering• Coveravailableforworktakingplaceinplace in Republic of Ireland• Unlimitednumberofcontractsacceptable under this annual policy

Policy compliant under the CPA (Construction Plant-Hire Association) or SPOA (Scottish Plant Owners Association)

Market-leading rates from £250

CX Short Term Unoccupied is designed for properties left vacant for 30 consecutive days or more, offering flexible and adjustable cover for 3, 6 or 9 months and is ideal for properties awaiting probate, sale or owner occupation, or for those left vacant due to the owner being away for a short length of time.


Liability

Racy Liability RatesCX are motoring ahead with great liability rates across a selection of automotive trades including:

Mechanics £58.23 Mobile Mechanics £58.23 Exhaust Fitters £84.20

Tyre Fitters £158.40 Car Washers £54.52 Car Valeters £54.52

Youcannowalsoself-quotethroughceqonlineupto£10,000,000PublicandProductsLiability, with no referral.* Premiumsbasedon£1mPublicLiabilityand5yearsNoClaimsDiscount.1Principal/Partner

Liability per Capita

cXtra trades accepted under our Liability SchemesCX has added the option of using hot air guns to the flooring contractors trade under our liability products. CX Liability will now cover those flooring contractors who use hot air guns to remove old flooring or for applying adhesive for new flooring under both our Liability schemes.

Wehavealsoadded‘AutoElectriciansincludingService Indemnity’ as an accepted trade under the CX Liability (Per Capita) scheme.

Limit of Indemnity IncreaseCX has increased the maximum Limit of Indemnity on Public Liability from £5 million to £10milliononbothCXLiability(PerCapita)andCXLiability(Wages&Turnover).

This is great news for agents with a portfolio of large organisations, as they can now get the full Public Liability cover required through CX, rather than arranging an excess layer.


Underwriting Update

Ours is a Double!CX have doubled our non-referral rate on household goods under the Public House scheme from £20,000 to £40,000. Previously any value above £20,000 on household goods cover would refer, however this limit has been increased by 100%.

CX Public House offers the ideal cover for a variety of licensed trades. Designed with the publican in mind, policies can be tailored to provide cover for items such as damage to premises, stock, plus liability claims from the general public and staff.

BARRELLS OF BENEFITS TO CX PUBLIC HOUSECX Public House Insurance offers a mouth-watering cocktail of key benefits including:• Upto104liveentertainmenteventsincludedperyear•20%Commission• Upto25%NoClaimsDiscount•Premiumsfrom£570

CX can serve up the perfect Public House insurance for you!

Public House

Public House

Racy Liability RatesCX are motoring ahead with great liability rates across a selection of automotive trades including:

Mechanics £58.23 Mobile Mechanics £58.23 Exhaust Fitters £84.20

Tyre Fitters £158.40 Car Washers £54.52 Car Valeters £54.52


Raising our Underwriting StandardsHere at Commercial Express we pride ourselves on a positive and flexible attitude. We are very mindful of not falling into a ‘computer says no’ approach, and do our best to organise cover if it is at all possible, rather than turning business away.

We have an experienced, approachable underwriting team who will go out of their way to ensure we provide the best cover for your clients’ specific business needs.

If you have a query or just need some advice on one of our products, do not hesitate to pick up the phone and speak to a member of the Underwriting Team on 0845 094 2077 option 2 – Sian, Rob, Noreen or Underwriting Manager Jordan, will be more than happy to help.

Plus, if you have a query specific to Commercial Combined, we have a dedicated Commercial Combined Underwriter, David, who will talk you through the product in detail.

However, if you prefer to talk through a query in person, your dedicated Business Development Manager will be happy to pop in for a chat and a coffee, at your convenience.

Whatever your request or query, CX are happy to help.

Online Broker PortalIn order for our underwriters to improve service it is important that each member of staff have their own individual log ins for the Broker Portal at ceqonline.

This allows us to see who is dealing with a case at your agency and we can then call to discuss with the necessary person, instead of needlessly interrupting the Managing Director or Account Executive who first registered to use the portal. Using the correct log in will also mean referrals go directly to your inbox allowing you to contact your client as soon as possible.

In order to register as a new user simply email [email protected] advising the name of your agency and if you know it, your account ID.

It’s all about Service...


“The CX underwriters are the best in the industry in my opinion, and are always very knowledgeable, and are reliable with their answers and speed of service.

“CX Claim Service UpdateWe are pleased to announce that with effect from the 1st July 2013, leading specialist Property and Liability loss adjusters Certo, have been appointed to take over the claims handling of the CX Let and CX Short Term Unoccupied policies underwritten by Inter Hannover.

The new appointment replaces the existing temporary service in place through Jacksons Loss Adjusters and Specialist Risks Services. The new set up will provide a great platform going forward, but will instantly improve the service offered and will tackle the existing problem of delayed claim settlements as we move from a cheque settlement to BACS payments process.

Certo are experts in third party administration with a proven track record within the industry and have a glowing report in the Loss Adjusters Insight Report 2012.

We look forward to the new arrangement taking effect on the 1st July 2013, the 24 hour emergency helpline number will be 0845 458 2412 or alternatively call 0113 387 9047 during office hours to report new claims or queries.

It’s all about Service...cXtra Positive FeedbackCX are delighted to share the following recent positive feedback from Pure Solutions:

YOU’LL BE BOWLED OVER!You’ll be ‘hit for six’ as CX are proud to announce rates across our CX Commercial Combined facility have been slashed by an incredible 20%, plus greater points for CX Agents with an increase on commission to 20% as standard.To celebrate, CX are running a Twenty 20 Cricket promotion in July. To get in on the action and win one of four pairs of tickets to the Friends Life T20 Final Day on 17th August, simply transact five Commercial Combined quotes before the end of July. Best of luck!

Email manual presentations to [email protected] or talk through an enquiry with our Specialist Underwriter David Donohoe on 0845 094 2077 - option 2.

cXtra Non-Standard Let

CX will soon be introducing a non-standard scheme under our popular residential property owner’s facility.

This policy is tailored to accommodate risks that are not included as standard in traditional residential property owners’ schemes, such as those at risk from flood, listed buildings, those built of a non-standard construction or property owners who have convictions, CCJ’s or Bankruptcy.

cXtra Short Term

CX will soon be introducing a panel arrangement on our CX Short Term scheme; introducing Lloyd’s to run alongside the existing Inter Hannover offering.

CX Lloyd’s will compliment the existing Inter Hannover facility and offer cheaper rates on 60% of postcode areas, size discounts up to 25%, the option of contents cover, plus the restriction on the term of unoccupancy of 6 months has been extended to 3 years.

cXtra Economy Let

CX Economy Let will shortly be added to the CX portfolio. This is a no frills, heavily discounted property owners policy for residential properties.

Watch this space for more news on these products.


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Express News 2013 Summer Edition