AUTOMOTIVE SPECIALIST MOTOR TRADE INSURANCE

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1 AUTOMOTIVE SPECIALIST MOTOR TRADE INSURANCE

2 INTRODUCTION UK roads carry over 34.4 million vehicles of all types 1, supported by a network of manufacturing, sales, service, fleet, bodyshop, repair, testing and after-market businesses that employ nearly 814,000 people 2. Whether it s day-to-day protection for the vehicles on your forecourt and in the garage or for the wide range of trade-specific liabilities you face as a business, it makes sense to work with a proven insurance broking partner who understands motor trade risk. Gallagher can help you simplify insurance complexity, delivering comprehensive and competitive cover that won t let you down. 1-2: Source SMMT Motor Industry Facts 2017 (page 5, UK AUTOMOTIVE AT A GLANCE ):

3 GALLAGHER YOUR COMPLETE MOTOR TRADE INSURANCE SERVICE Experience is everything. For half a century the Gallagher Automotive Team has been protecting a full spectrum of motor trade businesses across the country from small family firms and independents up to the largest franchisees. Our nationwide team of specialist brokers places over 33 million of premiums annually with a wide range of specialist motor trade underwriters, helping ensure you have the competitive and comprehensive cover in place that s right for your business. We work closely with several leading motor trade bodies - including the SMMT, Retail Motor Industry Federation (RMI), SMTA, IMI, WhoCanFixMyCar.com, Servicesure Autocentres and The Parts Alliance - so you can be sure we understand exactly what makes your industry tick. For us, it s about doing a great job for you. While we remain a family-run firm able to act locally with a strong service ethic, we are also one of the largest brokers in the world. Our size and insurance footprint means we can deliver economies of scale and enhanced policies that are exclusive to Gallagher: underwriters trust us and want to work with us. This combination of agility and market presence translates into high performance, bespoke protection and exceptional value, delivered by specialist motor trade brokers who know a drivetrain from a differential.

4 THE GALLAGHER DIFFERENCE A safe pair of hands Our proven track record over many years and respected place in the UK motor trade industry mean we are the insurance broking partner you can trust. We work with you No two motor trade businesses are the same and it s a point of professional pride that we take the time to understand the nuances of your operation, enabling us to fill the risk gaps that others may leave behind. We keep your bottom line in mind We can help lower your risk profile and drive down the total cost of that risk for your business. With flexible payment options designed around your cash flow, it s our job to make life easy for you. Global Resources We have an extensive global reach, and can draw on our financial strength and position as one of the world s major insurance brokerages to create and deliver innovative solutions. JUDGE US BY THE COMPANY WE KEEP Over 50 years experience delivering automotive industry insurance solutions means we have the professional body and partner relationships that place us at the heart of the UK automotive industry. The Retail Motor Industry Federation Limited (RMI), the Institute of Motor Industry (IMI) and the Society of Motor Manufacturers and Traders (SMMT) all of whom work in association with Arthur J. Gallagher Insurance Brokers Limited. Servicesure Autocentres is a network established by The Parts Alliance Ltd. The Parts Alliance Limited, WhoCanFixMyCar.com Ltd and Scottish Motor Trade Association Limited are introducers of Arthur J. Gallagher Insurance Brokers Limited. Black Horse Limited is a division of Lloyds Banking Group. Lloyds Bank Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited which sources from a panel of insurers.

5 AUTOMOTIVE INSURANCE SOLUTIONS DESIGNED AROUND YOU It s a fact that the more risks you can identify, the better your business will be able to cope when you need assistance. A well-built motor trade insurance strategy will benefit you in many ways: from rigorous Health & Safety practices, statutory compliance and an enhanced commercial reputation to a healthier bottom line and peace of mind not just for you but for your customers too. An insurance policy designed and placed by Gallagher will typically protect you against a range of motor trade risks motor trade risks (terms and conditions apply and are available upon request). Material damage and internal risks: all risks cover (including fire and flood) across premises, estate, machinery, plant, tools, parts, vehicle stock, customer vehicles and goods in transit. Road risks: loss of or damage to any vehicle, whether owned, leased or hired in by you or any customer vehicle in your custody, care and control, in connection with your business. Equipment breakdown: loss or damage to equipment specified plus IT failure and any resultant loss of income. Liability: all public, product and employers liability plus professional indemnity and consequential loss. Legal expenses: covering costs incurred across a range of disputes, from contract and property to injury and employment. We can also offer a range of optional covers such as loan and hire, loss of money, business interruption, loss of MOT licence, personal accident and sickness, engineering inspection, plus so much more depending on your individual needs. HOW YOU BENEFIT You ll never feel like a policy number with Gallagher. Committed to excellence in customer service, we go that extra mile to make sure your business is in safe hands. Motor trade insurance solutions that are always made-to-measure, innovative and come with enhanced policy wordings often exclusive to us 3. We also offer extra features like protected no claims discounts, retroactive low claims rebates and risk management contributions, based on your firm s claims history. For major material damage or business interruption claims over 10,000 there s Gallagher Business Assist. It s our one-stop loss recovery service for handling complex claims that helps keep your business in business should disaster strike. 3 Working with Allianz we have agreed via our broking and placement team enhanced policies for the motor trade

6 AND WHAT OUR CUSTOMERS SAY* Gallagher have provided us with unrivalled service for over 10 years. From advice on programme design through to claims support, they offer complete peace of mind because they take care to understand our business and our sector. Furthermore, they have worked tirelessly to obtain competitive premiums for us year on year and their Automotive team have consistently delivered value, helping us to continually improve how we do business. Metropolis Motorcycles Gallagher have provided us with insightful and unmatched assistance for over 11 years. From insight and advice on how to improve our insurance package to claims support on major losses, they have been dedicated to reducing our yearly insurance spend. Their account team have changed the way we trade, offering great service at a reasonable cost. Pendragon Plc AND WHAT OUR INSURERS SAY* We are pleased to work closely with Leon and the Gallagher Automotive team in Luton and have recently agreed an enhanced proposition for Gallagher Motor Trade clients that reflects the strong trading relationship and the expertise and market knowledge that Gallagher have in the sector Mark Ashwood, Allianz The broking team at Gallagher is made up of highly professional and diligent individuals who are 100% committed to putting their clients needs first. They display long term vision and in-depth knowledge of the market they operate in, as shown by the work they re doing on understanding the insurance risk presented by autonomous vehicles. Catherine McCoy, MS Amlin Gallagher s Specialist Automotive team provides a perfect fit with what we re trying to achieve at NIG. In a nutshell, that s helping commercial SME clients manage the risks and challenges they face every day more efficiently and more cost-effectively. As insurer and broker, we both have extensive knowledge and an in-depth understanding of the motor sector that allows us to build on and complement each other s strengths. Ultimately, it s about collaboration and sharing expertise, which in turn leads to better understanding, better cover, and better pricing for businesses that work in the motor trade. Nick Hopkin, NIG Arthur J.Gallagher Insurance Brokers Limited accepts no liability for any inaccuracy, omission or mistake in this bulletin, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.

7 Arthur J. Gallagher Founded by Arthur Gallagher in Chicago in 1927, Arthur J. Gallagher & Co. has grown to become one of the largest insurance brokerage and risk management companies in the world. With significant reach internationally, the group employs over 24,000 people and its global network provides services in more than 150 countries. We use the brand name Gallagher. Wherever and whenever there is risk we re there for our clients from individuals to small businesses to international conglomerates. Our people, our technical expertise and our global reach delivers first class coverage, risk management and placement expertise. We work seamlessly across countries and international territories. Where we do encounter difficulties and complexities we meet them head on. We remove barriers never letting them get in our way. Whether it s sourcing cover for the thatched cottage in England; cyber risks across European borders; complex coverage for the international supermarket chain; marine cargo in Australia; political risk coverage in developing economies; energy cover in extreme environments; or helping our banking partners with their comprehensive homeowner offer, we work tirelessly to provide solutions that drive value and competitive advantage for the benefit of all our clients. We nurture our people to do what they do best promoting and protecting our clients interests. Family values have been core to our culture since our company was founded and this drives the way in which Gallagher, looks after its clients. Gallagher Walbrook Office The Walbrook Building 25 Walbrook London EC4N 8AW Tel: +44 (0) automotive_enquiries@ajg.com Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC FP534/2016 exp.7/17