"We have used the services of Lawshield UK Limited since July 2006 for our Motor Legal Expenses service and also for handling certain aspects of our Motor claims.
During that time they have met and often exceeded our demanding service level expectations and have proved to be very professional and diligent.
I am delighted that Chubb is able to continue our partnership with them."
Mark Jordan, UK Claims & Services Manager - Chubb Insurance
"Our management team have the skills to service the needs of our broker, insurer, MGA, and affinity customers."
"We are here to assist you and our intention is to be courteous, helpful responsive and reliable as well as to enhance your customer experience and improve your profitability."
Contact us today and we will help you achieve your goals.
I am part of the management team responsible for the implementation of new schemes, coordinating all aspects of the technical requirements both internally and externally, to deliver the requirement and thereafter maintain a hands on management role in respect of operations across the business. This includes being the central point of referral for liability and complex claims issues, general account management and assistance in general development and evolution of the business across several departments.
I have worked in the insurance market since 1998 and joined the Connexus Group in 2003 having previously worked for AA Insurance , Legal & General, Brownsword Associates, Reed Insurance and Donns Solicitors. I have been in a management role since the mid 90’s!
First and foremost, being a dad to two troublesome teenagers.
Likes: Man City, yes I was there when they were really rubbish. I also love my Cocker Spaniel, Bailey, she is the little girl I never had. Dislikes; I treat people like I want to be treated, when I don’t get this in return, I don’t like it!
Since stopping playing football 10 years ago, I took up running (mostly a 10k runner) but I have recently moved to half marathons, I also got hooked on open water swimming and I bought a road bike, natural course of events has taken me to do a few triathlons. I love the outdoor challenge! This year I have talked 9 colleagues to join me in the North West Tough Mudder event.
To assess all classes of business, make informed underwriting decisions that comply with company policies and procedures alongside assessing risk to the business.
Previously I worked as an Underwriting Assistant for Brightside Group PLC. I underwrote on behalf of Zenith Insurance and Ageas Insurance on MGA and delegated authority schemes, respectively. My main responsibilities were to make risk based underwriting decisions and update/maintain product rates in Polaris.
I am most proud of my commitment to my fiancé, family and career. I’ve moved across half the country, from Bristol to Liverpool, to live with my partner and further pursue my career in insurance.
I like foreign foods, rainy days, lie ins and Netflix. I dislike coleslaw and traffic.
My hobbies include watching TV shows and documentaries on Netflix. Going out to the cinema and for food. Reading books and playing computer games.
I am responsible for a management team of 20 and over 205 employees; my role is to oversee operations on a macro level, and ensure the business activities we engage in comply with requirements of our regulatory bodies, are financially viable and marry the needs of our business, our professional clients and the end user of our products and services.
I qualified as a Solicitor in 1981 at London University and worked for two law firms in the North West for three years. I opened my first business at 29 and have been running successful businesses now for 30 years; during that time I have gauged the changing nature of legal and insurance businesses and there is now significantly more emphasis on technological advances and use of the web. What has not changed is the need to provide quality of service and for both you and your staff need to be available and accessible to service the needs of your customers.
I am proud of my staff and the way many of them have progressed from junior staff members to managers with considerable skills. I recognise the need to mentor them and harness those skills if the business is to continue to grow organically and profitably as it has without merger or acquisition.
This means it has retained the same philosophy and continuity which is key to progression in the industries in which we trade.
In terms of key achievements in business terms I would cite three - the first the obtaining ( and retaining) of the contract for the outsourced management of motor claims for the leading high net worth insurer in the UK; the second the securing ( and continuance ) of a long term contract with the second largest motor manufacturer in the World to run their motor accident management scheme and build and manage their branded websites for their automotive ancillary products.
The third is the development of out digital services division over the last four years; this now provides a full range of products to assist brokers, insurers, motor manufacturers, affiliates and finance businesses in providing an end to end forum for the web sales and administration of insurance products.
On a personal level I am proud of the achievements of my two children and am grateful for the support of my wife and family.
I like people who have a positive “can do” attitude and who strive to achieve their potential. I dislike bosses who are not prepared to “get their hands dirty” and work hard but expect others too! I like people who are honest and straightforward and expect value for their money or effort. I dislike those who are ingenuous or mislead; it is not an approach that helps you to succeed in the long term.
I like to keep fit within my limitations so Pilates, Golf, Tennis and walking are my sports. I also enjoy music and play and collect guitars. I love spending time with my wife and kids and I particularly look forward to brunch on a Sunday.
Schemes & Underwriting Manager
I am part of the senior management team responsible for schemes and underwriting. This includes being a central point of contact on general account management, performance, pricing and underwriting.
Prior to joining LawShield in June 1998 I worked at ULR Services as an uninsured loss recovery claims advisor. At LawShield I’ve held a variety of roles over the last 17 years but started with the firm as the main point of contact between our in-house claims department and panel solicitors on complex cases. Whilst undertaking this role and working closely within the legal market I’ve developed Before the Event and After the Event legal expenses schemes and have Binding Authority Agreements with various insurers.
I’m proud of reducing my golf handicap over the last few years and winning a board competition at the golf club.
Likes: Eating out and trying different food and drink that you wouldn’t normally have at home. I also like Manchester City. Dislikes : Traffic and celery!
Golf, football, cricket and watching most major sports. I love music and concerts and spending quality time with my 2 children and partner.
I am currently the Claims Controlling Quality Manager for Connexus Claims Solutions. My background is in the General Insurance & Commercial Insurance sectors, with over 25 years experience in sales, service & claims, 11 years the latter with Direct Line Group as a National Run Off Manager and team leader.
I have been fortunate to work for a number of well known insurers and insurance brokers. I have specialised in Motor HNW and general motor but also PL / EL, commercial combined for SME's and I have also been a Motor / Household Underwriter for many years as well as an Equine & Livestock Underwriter for the NFU.
I believe my experience gives me an understanding of both sides of the insurance market place and a thorough knowledge to deal with complex claims and decisions for the Broker & Insurer Schemes. I have a wealth of team and departmental management experience which gives me the ability to drive my people to deliver an excellent customer claims service at all times. I am a CII certificate holder & business management accredited also.
Likes: I enjoy socialising with my friends and family. Enjoy a good book and my holidays abroad. Dislikes:Wasted time, lateness, tomatoes and celery.
In my spare time I enjoy spending time with my children and help to teach them with my wife to ride on our horses and enjoy the obligatory holidays abroad when I can.
I am part of the senior management team responsible for liaising with the business and IT to understand what processes need to be built for any new affinities and schemes.
I have worked in the insurance market since 1988 and joined the Connexus Group in 2012 having previously worked for Virgin Money , HSBC, Choicequote Insurance Brokers and other insurance brokers over 25 years.
Being a dad to two daughters and a son.
Likes: Leeds United, Dislikes; Any sort of traffic and coconut
Any sport really but mainly golf, cricket and badminton. Spending time with my 3 children and partner and just recently gardening and long walks in the country!
I joined the Connexus Group of companies in 2007 and have responsibility for Compliance across the group. Ensuring we continue to comply with the requirements of the various regulators. I work with all areas of the businesses and have input into product design & system enhancements. I work closely with key business partners and participate in various due diligence visits evidencing that our business is delivering the prescribed level of service. In my time with the group we have grown quite significantly and continue to do so however this is controlled growth and each area of the businesses compliments the other.
The world of Compliance is constantly changing, challenging and rewarding.
I have 25 + years experience in the insurance industry with RSA, predominately in the claims area. I moved into the Compliance area in 2003 progressing to the role of Senior Risk & Compliance Consultant. I was part of a team responsible for 2000+ claims staff across the UK and BPO’s. We were responsible for compliance themed monitoring across the business, creation and delivery of related training. Oversight of the individual business areas risk returns. Reporting through at executive / board level and supporting the Approved Persons.
Learning to drive at 40+ and passing first time.
LIkes: Spending family time and gardening.
Dislikes: Being bored…………. (doing profiles!!)
I am a keen gardener and enjoy eating out and sampling new cuisine’s. When babysitting allows.
Data Analyst and BI Reporting Solutions Developer
I joined Connexus early in 2015. I specialise in in implementing automated solutions for reviewing, analysing and reporting data across the Connexus Group and co-ordinating secure data transfer to and from our business partners.
I have 20 years of experience working in Information Technology for variety of companies in both permanent and consultancy roles. I have been worked in a number of sectors including retail and utilities but most of my recent career has been in financial services (HSBC, M&S Bank) and general insurance (Royal and Sun Alliance, Carole Nash.)
Being a dad to a handsome young teenage son. I attribute this to good genes (mostly his mother’s).
I like working with people and businesses to implement robust, reliable and innovative solutions. I dislike the fact that Liverpool Football Club seems destined never to win the premier league.
I enjoy sport, cinema and music. I also enjoy tinkering with my classic air cooled VW campervan and using it to visit campsites and music festivals particularly in the North West and Wales.
The strong foundations at Lawshield's umbrella business Connexus Group ...
The website aims to provide new and existing clients with a clear understanding of what it is the Connexus Group offer and how the various, interconnected businesses can work together to resolve a problem or challenge.
The Connexus Group offers a complete, seamless service which is customised to the client’s individual needs and wants, reinforced throughout the website with examples and testimonials provided by highly-respected organisations and industry leaders.
It’s an exciting time for the organisation and staff members, who have both witnessed and been involved in the steady, consistent growth of the company since its inception in 1996.
However, the growth of any organisation doesn’t come without challenges and The Connexus Group’s situation is no different.
Managing Director of The Connexus Group Ken Specter attributes the success of the company with organic, steady growth.
“I’ve always believed a business must grow naturally from the needs of the client… What challenges are they facing? How can you assist to resolve them?
“By working closely with the client to provide a solution, you are able to grow organically without jeopardising the company’s core principles and values that make you unique and competitive,” Ken said.
If you would like to learn more or enquire about the services offered by The Connexus Group, submit a contact form here or phone the team at 0333 043 3797.
Danny Buxton is our resident Business Development Manager here at LawShield UK. ...
I have spent more than 10 years working within the industry and would regularly speak with Insurance Brokers who utilised Lawshield for their Motor Claims and Legal Expenses over many years. All of these brokers have spoken very highly of Lawshield. This consistent level of high service and quality legal products was my first thought when I applied for the role of Business Development Manager. I have now been with the company for 8 months and can see exactly why the business has so many long-established business partners. I’m proud to be part of the team.
To be a key point of contact for brokers, provide regular staff training and increase awareness of our other products and services. I ensure that brokers are aware of any legal or regulatory changes, such as the Civil Liability Bill relating to Personal Injury claims, are explained clearly and the potential impacts are understood.
I enjoy a good audience! I get a real sense of pride when I have a room full of engaging attendees to my training visits as I’m genuinely passionate about our products. I especially love speaking with pro-active brokers who seek to enhance the suite of services and additional scheme available to their customers.
I enjoy spending time with my daughters, aged 10, 7 and 3 months as well as going to the gym and playing 5-a-side football.
I’m a lifelong Stoke City fan and enjoyed watching them go from the old Division 2 to the Premier League as well as a brief taste of European football. I’m hopeful of a Premier League return in the near future.
Workwise, I feel the knowledge and expertise I have acquired over the years is my biggest achievement. I understand the legal polices that we offer and the claims processes that back them. This allows me explain complex cover in a simple way, backed up by real claims examples.
With the launch of our Personal Cyber Cover, we will be hosting a live webinar in the coming months to go through Today’s Digital Landscape, Cyber Crime, our Heads of Cover as well as some unbelieved facts and figures relating to the Cyber Risks that pose a threat to all of us. We will also give some real-life claims examples of why and when this cover will be needed.
The function, which was co-sponsored by Lloyds and the Managing General Agents’ Association (MGAA), highlighted was very well attended with Lloyds Brokers , Lloyds Coverhoders, and attendees keen to hear about new pilots and initiatives being undertaken by Lloyds.
Lloyds COO John Neal stressed the importance of Lloyds as one of the strongest insurance brands in the World, with access to the largest amount of capital, a superb accredited mediation service and unique expertise.
One of the pilots being promoted was an initiative described as “Workbench” which was intended to facilitate insurance businesses, and entrepreneurs having fast access to Lloyds underwriters.
This was met with some dismay by a Lloyds Broker asking if they were being cut out; it was stressed this was just a Pilot and merely gave businesses the opportunity to see if an idea would float.
Another Event focus was DA SATS (Submission, Access and Transformation Solution), which provides a central service via Microsoft Azure.
Mr Specter commented:-.
“The new system is designed to enable the standardisation, collection, validation, processing and supply of delegated authority data across the market.
“Considering some 60% of Managing Agents at Lloyds have signed up, this initiative is proving incredibly popular,” he said.
There were also questions over Brexit, with Cover holders concerned about the placement of risks in Europe and risks from Europe.
“In our view, whilst contingency arrangements must be considered (and many organisations are now hurrying to arrange branches in Dublin, Brussels or other areas of Europe), transition or postponement arrangements will be forthcoming unless all parties want business to grind to a halt.”
Lawshield, a member of The Connexus Group, are cover holders in their own right and act for MGA’s and large brokers for full policy administration as well as full claims management.
“Our end-to-end services are geared to reduce complexity and provide simple transactional management to assist you in focusing on key areas such as client support and sales,” Mr Specter explained.
“Our digital expertise and data migration facilities ensure a smooth transition of business and are designed to assist our clients in reducing costs via automation whist maintaining an emphasis on client care in key areas.”
With new technologies used across other channels being relatively effective, cyber criminals tend to opt for spam emails containing malicious links and attachments to scam websites.
The research, conducted by F-Secure, indicates there has actually been an increase in malicious emails which are remarkably genuine in appearance.
“Of the spam samples we’ve seen; 46% are dating scams, 23% are emails with malicious attachments and 31% contain links to malicious websites,” says Päivi Tynninen, Threat Intelligence Researcher at F-Secure,
Emails linking to scam websites or redirecting users to malicious websites are designed in a way that is so genuine, even the most savvy tech users have been fooled time and time again.
Online criminals are known for using a variety of techniques designed to increase click-through rates.
For example, emails are 12% more likely to be opened if they’re from a known individual or business, and 4.5% more likely if the subject line is free from errors. Link clicks also increase when there’s a sense of urgency, such as limited-time discount offers.
While the assumption seems to be that a younger demographic is savvier and more careful when it comes to online scams, research conducted by Get Safe Online indicates quite the opposite.
"Evidence from the report revealed just 40% of under 25s say they ‘carefully read and re-read all emails’, in contrast with two thirds (69%) of 55+ year olds who scrupulously check all online communication.
"Worryingly, half of under 25s (51%) even admit to regularly ‘replying to or clicking links in unsolicited or spam emails’ – despite it being a common technique used by phishers. However, older Brits are more cautious, with only a quarter ever replying to or clicking on links in suspect emails,' said Get Safe Online.
It seems the younger audience, who spend more time online and are more accustomed to sharing personal information, is a more fruitful investment target to online fraudsters.
Considering these recent findings, it would be wise to remind clients of the dangers present online, particularly in relation to email spam.
With National Customer Service week falling in October, I wanted to take a step back from my usual duties to think about what Lawshield are doing in respect of delivering a good customer service. It has often been said that if we experience a good customer service we will relay this to roughly three people we know; however, if the service is poor we will tell up to 10 others. Sounds high, doesn’t it? Word of mouth recommendations and referrals play a very important part in gaining new business partners; for us: Brokers and Insurers. How we handle customer claims is highly important.
With our Motor Legal Expenses being the best-selling insurance product, it seemed natural to begin to look at the motor claims area and accident management. I spoke to Dave Berry, Claims Manager, to ask what he considered was good customer service. Previously having worked at Aviva, Dave is very knowledgeable and experienced in dealing with claims; he has only worked with us for 3 months, a relative ‘newbie’, so he was very open and wanted to share past experiences.
”Good customer service, when claims-handling is being, honest, knowing the product and having a willingness to deal with the customer in a non-scripted, individual and personal manner.”
Delivering more than what the customer expects will have a positive effect and providing a ‘feel-good factor’ is beneficial as they will remember you and tell others, thus strengthening your brand. Furthermore, the customer is more likely to renew the insurance product if they are more than satisfied with how you handled the claim; if the unfortunate happens again, they know they’re in safe hands.
Also consider: promoting the customer service message and views internally, rewarding staff, having an easy claims process for the customer, providing regular updates, customer service training and PDP's for staff and, ultimately, focusing on the customer; all of which will have a positive impact. Ask yourself, ‘Have you listened to, and exceeded the customer’s expectations?’
Technology also plays an important part in the customer experience; having a swift claims journey is key, offering a choice of how the customer can access advice, support and information that they need when and wherever they want, with a proactive approach to communication.
At Lawshield, we are heavily focused on delivering good customer service and our dedicated personal claims handlers are passionate in what they do. We work in partnership with Insurers, MGA’s and Brokers to provide an outsourced claims management facility, provision of ancillary products and we are proud to have received so many commendations for our good service:-
“I really appreciate the time and effort you have afforded this case. Thanks for updating me and well done on a great example of considered claims handling”
“Just wanted to send you an email, to thank you for your help, over the bank holiday, especially every business was closed. I was originally told I would get a call back after the holidays and be stuck at my destination till Tuesday, however, you called me back within 15 mins, so very professional. Thank you so much for your help and support in this horrible situation I was in. You are a great credit to your company”
“Thank you for your hassle free, efficient and friendly service”.
If you would like to take advantage of our excellent claims service provision and outsource your claims handling then please get in touch today by calling 01925 444 847.
From the 1st April 2016 the Financial Conduct Authority (FCA) rules for add-ons have changed and this will affect how you operate as a business.
The recent study in September 2015 conducted by the FCA found that the value of general insurance products is not always clear and that selling a product as an add-on often leads customers to purchase a product when they might not actually need it.
The FCA has introduced new rules and guidance whereby you can no longer automatically include add-on products within the policy as a ‘package' and opt-out sales are banned unless they are provided free to the customer and provision of product information is paramount. The FCA has advised that providers have until September 2016 to fully comply, allowing sufficient time to implement the changes.
What is an add-on?
The FCA defined an add-on product as:
‘Any type of good, service or right obtained in connection with, or alongside, a primary product – whether it is financial in nature or not.’
An example of an add-on would be a motor legal expenses policy or a motor breakdown policy purchased in connection with the main insurance policy. This does not include additional optional extras (AOE’s) that can be purchased alongside the main insurance product (such as accidental damage cover on a home insurance policy), which are also not policies in their own right.
So how do the new rules affect your business?
The whole sales process for each add-on product will require some analysis and you as a business will need to evaluate and assess.
How do you introduce the product to the customer? By letter, email, text or verbally, you will need to ensure that you are providing enough product information, including: features, benefits and cover exclusions, in order that an informed decision can be made. Consideration to the content of marketing material, websites, quotation, new business and renewal letters and other sales processes should be priority.
The FCA has clarified the existing rule on add-ons as:
“A firm must take reasonable steps to ensure a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed.”
The previous ‘traditional’ way of including the product within the new business or renewal price and ‘opt-out’ terms are banned. The majority of insurance providers, we suspect, have already changed from this method. By allowing the customer to choose if they want the cover or not, opt-in provides the customer the time to decide if they need the policy and also the chance to shop around. Although, some customers may not look elsewhere and will always remain loyal to the insurance provider through trust and previous experience.
You will need to ensure that:
Add-ons should also be introduced at the appropriate time during the sales process otherwise this could be seen as a mis-sale. For example if you provide a quotation for home insurance, then possibly introduce home emergency cover or family legal expenses insurance. Both will add value to the main policy, providing extra cover which is not included within this.
Dealing with renewals
How Lawshield can help
Ancillary products are not to be disregarded as they are a valued product and will benefit the customer by providing additional cover to the primary insurance policy. Lawshield can provide competitive net rates for:
We understand that product knowledge and understanding is key to the salesperson confidently introducing and selling the product. Explaining with examples of when the product can be utilised also helps the customer to understand and make the decision to whether they want to purchase.
To assist with staff training and development, Lawshield provide product presentations, content for marketing material and training.
If you require further information on any of our ancillary products, please contact ourselves on:
Tel: 01925 444 847 Email: Salessupport@connexus.co.uk
Further details can also be found on the FCA website http://www.fca.org.uk/
It would be valuable for ourselves as a provider of add-on products to receive any feedback on the following changes and how this has affected you as a Broker and as a business.
Ken Specter, Managing Director at Lawshield UK, sat down with Sian Barton, Commissioning Editor of Insurance Age at BrokerExpo 15 to discuss Legal Expenses, Ancillary Products, Support Services and the new Digital Sales Platform.
Check out the video on our YouTube channel below:
Landlords – Are you aware of the change in legislation?
The Government announced yesterday that from 1 February 2016 private landlords in England will have to check whether prospective tenants have the right to live in the UK before renting out property.
So what is the Right to Rent?
The Right to Rent checks were brought in under the Immigration act 2014 as part of the Governments stricter reforms on immigration. New rules introduced mean that landlords will face penalties of up to £3,000 if they do not check the right of new tenants to be living in the country.
“Right to rent checks are quick and simple, and many responsible landlords already do them as a matter of routine. We are providing landlords in England with all the advice and support they need before the checks go live on 1 February 2016.
The new rules are part of the Immigration Act 2014 which introduced measures to reform the immigration system. Right to rent is about deterring those who are illegally resident from remaining in the UK. Those with a legitimate right to be here will be able to prove this easily and will not be adversely affected.”
But despite their assurances, the move has caused widespread controversy and criticism, with many claiming the Government are using landlords as border control. Speaking in the Independent on Sunday, Shadow Home Secretary Andy Burnham warned:
“On this evidence, Right to Rent in its current form could lead to widespread discrimination. Of course, we have come a long way as a society since landlords displayed unwelcoming notices in their windows. But the new document checks could become the modern equivalent of the ‘no dogs, no blacks, no Irish’ signs and, by being more insidious, such casual discrimination will be far harder to challenge.”
Gov.UK states: “Under right to rent, landlords should check identity documents for all new tenants and take copies. If a potential tenant has an outstanding immigration application or appeal with the Home Office, landlords can conduct a check on that person’s ‘right to rent’ via the Landlords Checking Service.”
At Lawshield, we provide Landlord Legal Expenses, covering legal costs and expenses incurred when the tenant fails to perform their obligations set out in the terms of Tenancy Agreement such as court and bailiff fees. We provide expert legal advise via specialist solicitors the process is hassle free.
We also offer Rent Guarantee to ensure arrears are covered, as well as Landlord Home Emergency. For further details on all of our features visit www.Lawshield.co.uk.
According to a 2015 survey conducted by Auto Express, a quarter of breakdowns are caused by a flat battery. Cold temperatures and increased pressure on the battery (by using heaters, windscreen wipers and lights more frequently) increase the risk of a flat battery. Another common cause of breakdown in the winter months is getting a puncture, due to a drop in tyre pressure from lower temperatures outside and/or kerb impact.
The chance of you needing someone to recover your vehicle because you’ve run out of fuel also rises considerably at this time of year. Even if you consider yourself to be meticulous on filling up your tank, bad weather causing stop/start conditions could catch you out. Without breakdown cover, any of these issues will leave you hundreds of pounds out of pocket and stranded out in freezing conditions for hours.
For many customers, price is the main selling point of breakdown cover (Auto Express 2015).
Lawshield can provide UK breakdown recovery from as little as £38.72* and £46.94* for UK and EU cover. Covering vehicle types ranging from standard, commercial, taxi and couriers.
Why not offer your customers peace of mind with cover for; doorstep or roadside assistance, vehicle recovery, emergency accommodation costs and onward transportation, all included as standard.
*Net rate excludes Broker commission and IPT
We're having a bake off for this Friday with all proceeds going towards MacMillan Cancer Support!
Our team are showing off their culinary skills and baking up some delicious treats to put Mary Berry to shame! All donations welcome for this worthy cause!
Visit the following link - Connexus Bake Off for MacMillan Support - to donate.
Changes to Insurance Premium Tax
The Chancellor announced in his budget of July 8th that the standard rate of Insurance Premium Tax (IPT) would, from 1st November 2015, increase to 9.5%. This only applies to the standard IPT rate. Other rates, such as those affecting travel products, will remain unaffected by this change.
We have included guidelines to help you interpret how the changes should be implemented below
Policies incepted or renewed on or after 1st November 2015
Will attract the new IPT rate of 9.5% regardless of when the quote was provided or any rate guarantees that may apply.
Will attract the new IPT rate of 9.5% for any mid-term change which results in payment of an additional premium.
Policies incepted or renewed prior to 1st November 2015
Will attract the “old” rate of IPT of 6%.
Where a mid-term change takes place after 01/11/2015 which results in an additional premium, the new IPT rate of 9.5% should apply to the additional premium.
Regardless of the date of change, where one or more MTA takes place and different rates of IPT have been applied (i.e. 6% on inception premium but 9.5% for an MTA) or cancellation takes place that results in a refund of premium being due, ideally IPT will be apportioned. However HMRC accept that systems may be unable to do so in which case the overriding consideration is that the rebated IPT must not exceed the rate at which IPT was originally paid. Therefore if the system is unable to apportion IPT the rebate of IPT on the refund of premium will be at the 6% rate.
It’s going to be an exhausting day, with our brave participants subject to 12 miles of messy mayhem.
Obstacles include the delightful sounding "Ring of Fire", "Cry Baby", and "Skidmarked"…
As Sharon Gallimore, Broker Liaison Co-ordinator at Lawshield put it: it’s gonna be “tough murder”.
Help For Heroes is a fantastic charity that delivers an enduring national network of support for our wounded servicemen, women and their families.
To donate to the Connexus teams muddy misery and to this much worthy cause, please click here.
Remember to offer GAP Insurance to your customers who are purchasing the new 65 plate vehicles. Lawshield can provide cover from as little as £23.51 net (excludes broker commission and IPT) for a vehicle valued up to £15,000 for a 12 month term, or £89.69 net over a 48 month term.
Motor dealers are likely to charge more for this cover and will be applying a tax rate of 20% compared to 6% when purchased through the Broker. Also, motor dealers will now have to advise the consumer that they can look elsewhere to purchase the cover before finalising any GAP sale.
Brokers - Don't miss out!
Increase your revenue, highlight the substantial savings for your customers and offer GAP insurance.
For further information please refer to the Motor section of our site, or contact Sharon Gallimore - email@example.com.
Lawshield UK and Performance Car Hire hosted a weekend of golf for Chubb Insurance and supporting brokers.
The event took place in early may, with the golf being played at three championship courses in and around beautiful St Andrews, including the prestigious Kingsbarns Golf Links.
The weather thankfully played ball, the only hindrance on the game being the amount of food and whiskey consumed on the evenings prior to tee-off.
A great time was had by all involved, with Lee Rhodes of Quantum coming top of the shop with a very creditable score.
A huge thank you to all of the guests for supporting the group and event, we hope to see everyone again soon.
Full list of attendees:
thisismoney.co.uk recently posted an article regarding a “Landlord’s guide to avoiding home emergency”. The guide helps pinpoint the key types of home emergencies and the steps you can take to control property issues, as well as how to avoid minor inconveniences becoming full-blown emergency situations.
In the event of an emergency, LawShield UK can provide situation cover for rapid, expert help using a national network of contractors to assist and stabilise the problem.
We offer Landlord Home Emergency cover for as little as £44.00 net to brokers on an opt in basis, and Standard Home Emergency for £37.20 net to brokers; this is considerably lower than many competitors in the market.
Our national network of contractors includes nearly 2,000 tradespeople including plumbers, drainage experts, glaziers, locksmiths, electricians, gas fitters, roofers, general builders and pest controllers.
Our Home Emergency Cover will make your home safe in the following situations:
Home Emergency Cover will also provide you with the following benefits:
LawShield UK have been an established trader since 1997 and are recognised as a market leader in the provision of innovative products, with service, quality and excellence our top priorities.
For more information contact:
Tel: 01925 403 426
It surveyed fleet professionals within 100 businesses on their approach to, and experience of, accidents involving their fleet and found that:
The report on the findings An analysis of bent metal amongst company fleets stated: “The research shows that many companies are not addressing correctly this significant and avoidable overhead by putting in place sufficient measures to reduce the risk of incidents happening, or more worryingly, happening again to the same drivers.
“Few provide any driver training as a way of reducing the chance of the driver having another incident. Is this a good situation for company, fleet, vehicle or driver?”
In 2014 IAM Drive & Survive conducted a survey which revealed 72% of people who drove for business reasons had been offered no training by their employer at all – even though 44% of them said they would welcome the opportunity.
According to Government figures, between 2008 and 2013, 3,493 people were killed in accidents involving a driver/rider driving for work, including 515 in 2013.
And Driving for Better Business says up to one in three road crashes involves a vehicle being driven for work and every week, around 200 road deaths and serious injuries involve someone at work.
IAM Drive & Survive also discovered that drivers of company vehicles are 25% more likely than company drivers using their own vehicles to have a minor accident.
Sarah Sillars, IAM chief executive officer, said: “Accidents involving company car drivers represent a sizeable proportion of accidents on UK roads – and it’s a problem which needs tackling in a meaningful way.
“Fleet operators have a duty to their businesses, employees and other road users to ensure those individuals’ driving conduct is of the highest order. Often companies have full processes and procedures for Health and Safety, HR and Environmental best practice; but often none in place when the employees get behind the wheel of a car or van?”
Please click on the enquire button to view product specific claim procedures. If you require assistance, please contact us on
01925 444 847
The full claims procedure for your policy is detailed in the policy document. If you require further assistance please contact ourselves and please find below details of the specific policy claim numbers.
Phone Lawshield UK: 0333 043 3787
To request a claim form or send a completed claim form email firstname.lastname@example.org
Phone Lawshield UK: 0333 043 3787
To request a claim form or send a completed claim form email email@example.com
Phone Axa Assistance 24 hour Emergency Helpline: 0845 269371
You should have the following information available upon request:
Phone Keycare: 0845 303 0550
Please quote your key fob number provided
Personal Motor phone Axa Assistance To get UK emergency help, phone: 0845 600 2853. If you need Breakdown Assistance in Europe, please call: +44 (0)1737 826145
Commercial &less; 3.5t phone Axa assistance To get UK emergency help, phone: 0330 1231965
Commercial &less; 7.0t phone Axa Assistance To get UK emergency help, phone: 0330 1231965
Fleet phone Axa Assistance To get UK emergency help, phone: 0330 1231965. If you need Breakdown Assistance in Europe, please call: +44 (0)1737 815214
Text messaging is available if you are deaf, hard of hearing or have speech difficulties. Please text the word ‘breakdown’ to +44 (0)7624 808266.
Taxi & Courier phone Intana Assistance on 0844 338 5976
Please have your policy details available; your name, registration and address and policy number
Phone Lawshield UK on 0333 403 3787 with the following information:-
Landlord Legal Expenses
Phone Lawshield UK on 01925 403411
Landlord Rent Guarantee
Phone Lawshield UK on 01925 403411
Landlord Home Emergency
Phone Axa Assistance 24 hour Emergency Helpline on 0845 605 3911
You should have the following information available upon request:
In order for us to verify the cover, the engineer may also ask the tenant to produce the policy documentation on arrival as evidence of cover.
The claim will be handled by AXA Assistance (UK) Ltd. To make a claim AXA Assistance will ask for supporting documentation listed below. It is important that all the documentation is submitted as requested, as Axa Assistance will be unable to process the claim until received.
Via the internet
Visit the claims web site: https://www.excessclaim.co.uk where the claim can be registered online.
Please call AXA Assistance on (Tel Number 0845 600 0034) to notify the claim. A claim form will be issued to complete and documents will be requested as above.
The internet solution allows the customer to enter all the necessary details required to settle the claim. We recommend you use the web link as you will need to post documents to Axa Assistance if you contact us by phone, which could result in delays of your claim being settled.