Our Products

• Short term motor policy for learner drivers;
• Parents won't have to insure their son/daughter on their own policy.
• Insurance for learning to drive in someone else's car
• Insurance for learning to drive in your own car.

Adding a learner driver to your client's motor insurance policy can be complicated and expose the parent / sibling's good driving record. Learner Driver Motor Insurance is a flexible simple solution which protects your customer's main motor insurance policy whilst allowing the learner driver to obtain the necessary experience prior to taking their driving test.

GAP Insurance Including a Temporary Replacement Vehicle for 28 Days During Total Loss Negotiations

• We have been providing GAP insurance to brokers for over 15 years.
• We are BIBA's exclusive scheme provider for GAP insurance.
• The FCA's Thematic Review identified that GAP insurance sold by an insurance broker is not deemed to be an "Add-On".
• We offer Broker specific GAP products as well as the car dealer equivalent.

GAP insurance is designed to protect your customers against a financial shortfall in the event of a total loss due to Fire, theft, Accident or Accidental Damage. We have one of the widest portfolio of products available. Our GAP products will benefit your clients who are:

1. buying a new or used vehicle;
2. buying a vehicle from a dealer or privately;
3. obtaining a vehicle on Finance, lease or even outright purchase;
4. in the situation where they did not buy GAP when they purchased their vehicle all those months/years ago.

See our commercial products for GAP on commercial vehicles.

Excess Insurance is designed to repay your client the amount of the policy excess they have to pay following a successful claim under their motor insurance policy. We can offer you a number of Excess Insurance solutions including

• Motor Excess Protect - Reimburses your client's excess following a fault claim.
• Multi Motor Excess Protect - Same as above but instead it covers all cars registered at the client's home address, up to 5 vehicles.
• Lifestyle Excess - 1 simple policy that will reimburse your clients non recoverable excess on the following 3 main policies: Motor, Home and Annual Travel Insurance.
• Multi Motor Lifestyle Excess - Same as Lifestyle excess, however in addition covers up to 5 vehicles registered at the home address
• Car Hire Excess Protect - protects the excess on a customer's hire car in the UK or Worldwide.

Motor vehicle breakdown cover available for cars up to 15 years old.

• Average response time is 45 minutes (year 2017)
• 79% of breakdowns are fixed at the roadside
• A choice of UK and European cover
• Vehicle home start
• Onward transportation

BIBA Endorsed Holiday Travel+ and Sports Travel+

About the schemes

Holiday Travel+ and Sports Travel+ are multi-sectioned travel insurance policies for individuals, families, groups and sports teams.

Both single trip and annual multi-trip policies are obtained via a simple and easy to use online platform to quote, bind, renew and amend policies.

Key policy features

• Covid-19 cover as standard:
  • Cancellation if the insured, member of the household, travelling companion or friend they are staying with are diagnosed with Covid-19 within 14 days prior to departure date
  • Curtailment due to death of a close relative
  • Medical Expenses including additional accommodation costs (room only) and repatriation back to the UK
    
    
• Optional Enhanced Covid-19 cover for vaccinated individuals:
  • Cover for travel within Europe to destinations where the Foreign, Commonwealth & Development Office advise against all but essential travel solely due to assessment of Covid-19 risk
  • Cancellation cover if contacted by UK Test & Trace and told to self-isolate and this prevents the insured from starting their trip
    
    
• Independent travel for all insured persons including children, no minimum age.
• Cruise holidays covered as standard
• Clerical Business trips covered as standard
• Motorcycling holidays covered as standard – cover your client to ride Route 66 on a Harley
• Optional golf and winter sports cover extension
• No sub-limit for winter sports duration on Annual multi-trip policy (majority of market limit to 17 days in total for the year)
• Many high risk activities covered
• Financial Failure of end supplier (e.g. airline, hotel, car rental company …) covered
• Holiday Travel+ – age limit – 75 years for Annual multi-trip policies; 85 years for single trip policies
• Sports Travel+ – age limit - 65 years for annual multi-trip and single trip policies, higher on referral

Key policy features specific to Sports Travel+

• Cancellation cover if injured and cannot compete in insured’s sporting activity
• Cover for over 150 sports and activities including 4 wheel track days, competitions and training
• Sports equipment cover available

GAP Insurance Including a Temporary Replacement Vehicle for 28 Days During Total Loss Negotiations

• We have been providing GAP insurance to brokers for over 15 years.
• We are BIBA's exclusive scheme provider for GAP insurance.
• The FCA recent Thematic Review identified that GAP insurance sold by an insurance broker is not deemed to be an "Add-On".
• We offer Broker specific GAP products as well as the car dealer equivalent.

GAP insurance is designed to protect your client's business against a financial shortfall in the event of a total loss due to Fire, theft, Accident or Accidental Damage. We have one of the widest portfolio of products available. Our GAP products will benefit your clients who are:

1. buying a new or used vehicle;
2. buying a vehicle from a dealer or privately;
3. obtaining a vehicle on Finance, lease or even outright purchase;
4. in the situation where they did not buy GAP when they purchased their vehicle all those months/years ago.

We cover the following vehicles:

• Cars, Vans, Trucks
• Driving Schools
• Taxis on a scheme basis
• Couriers on a scheme basis

Fleet GAP Insurance

GAP Insurance for fleets is growing as more and more fleet operators look to protect their vehicle assets against a write off following Fire, theft, Accident or accidental damage.

• Includes provision of a temporary replacement vehicle for 42 Days during total loss negotiations
• Designed for companies running 3 or more vehicles;
• Annually renewable policy and will cover all eligible vehicles on the fleet up to 44 ton GVW;
• Short-term policies available
• Allows for movements on/off the fleet with pro rata charging/rebating;
• Our unique policy will apply to vehicles on lease, finance and vehicles owned outright

This policy is designed to clear the outstanding balance owing to the Finance/lease company if the motor insurer settlement has not been enough to clear it or we top up the motor insurer's total loss settlement by 25%. Whichever calculation is the greater. (maximum sums insured apply).

Excess Insurance is designed to repay your client the amount of any policy excess they have to pay following a successful claim under their insurance policy. Commercial Excess products available are:

Single Commercial Vehicle Excess Protect

• Cover available for commercial vehicles up to 44t GVW
• We will cover Couriers, Taxis, Minibuses

Fleet Excess Protect

• Designed for fleets of 3 to 30 vehicles, subject to claims experience.

Motor vehicle breakdown cover available for Cars, Taxis and Vans up to 7.5t GVW

• Cover available for single vehicles and fleets.

Providing comprehensive travel policies for the Business traveller

About the scheme

Corporate Travel Insurance is multi-sectioned travel insurance policies for business to protect their employees whilst travelling on behalf of the business.

Annual multi-trip policies are obtained via a simple and easy-to-use online platform to quote, bind and renew policies.

What is Corporate Travel Insurance

Our specialist corporate travel insurance is designed with business travellers in mind.

That’s why we include cover for 24/7 emergency medical expenses including repatriation, cancellation, business equipment and money and replacement employee cover to name a few of the benefits included as standard. This way, businesses can rest assured that their employees are protected when travelling on business trips whether abroad or in the UK should anything unexpected happen. Whether it’s an unexpected accident, medical emergency or losing their luggage or business equipment, the essentials will be taken care of and their employees will be looked after.

Key policy features

• Incidental holidays included for all employees.
• Family members of Directors/business owners covered whilst accompanying them on a business trip including incidental holidays.
• Cover for pre-existing medical conditions, provided they are not travelling against medical advice or to obtain treatment or have a terminal prognosis.
• Golf cover as standard as we understand many meetings take place on golf courses
• Cost of hire of business equipment if delayed by carrier
• Enhanced travel disruption cover including cost of prescription medication if employee delayed abroad, additional accommodation cost and travel expenses
• Gadgets covered – mobile phones, laptops and tablets
• On referral, look at extending cover for travel to destinations against Foreign, Commonwealth & Development Office (FCDO) advice as long as the advice is against all but essential travel solely as a result of COVID-19.

Key benefits to Employers

• Meet your duty of care towards your employees
• Peace of mind that should the unexpected happen, their employees will be taken care of
• Help business trips to run smoothly – providing cover for replacement employees, hire of business equipment if lost or delayed, cover travel disruption

Cover in relation to Covid-19

Cancellation Cover

If insured person, their close relative, a member of their household or travelling companion or a friend with whom they had arranged to stay has a diagnosis of COVID-19 within 14 days prior to booked departure date, as certified by a Medical Practitioner:

• The cost of all travel charges that insured person have paid and/or are contracted to pay before the departure date and cannot recover

Curtailment Cover

Death of insured person’s close relative after contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19:

• All reasonable additional travel expenses incurred by insured person in returning to their home address in the United Kingdom

Emergency Medical Expenses

Insured person contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 during their journey:

• Emergency medical and repatriation expenses
• Reasonable additional travel and accommodation expenses (room only) for insured person to extend their stay until they are medically fit to return to the United Kingdom
• Reasonable additional travelling and accommodation expenses to repatriate insured person to the United Kingdom when they are denied boarding on their pre-booked return travel due to contracting COVID-19.
• Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where insured person are ordered into self-isolation in their holiday accommodation by a relevant Government authority, as a result of them contracting COVID-19

Cover on Any Caravan Park in the UK

Cover for static caravan, leisure homes, chalets and holiday lodges all under one policy using one simple rate for premium calculation. We can quote for units sited on any licenced holiday park in the UK including those sited on a flood plain (flood may be excluded) and include cover for site clearance, delivery and re-siting as standard.

Features & Benefits

• Cover for accidental damage and theft
• £5 million Public Liability cover
• Includes cover for use by family and friends
• Includes cover for alternative accommodation and loss of ground rent
• Up to £750 cover for garden re-landscaping

Choice of Cover

Cover is available for units up to 20 years with customers able to insure on either a New for Old (up to 10 years of age) or Market Value basis.

No Minimum Volumes

Quotes can be obtained for structure up to £100K plus up to 4% of the structures sum insured for contents. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.