Technical Review Results in 25% Premium Saving

The Business Situation:

The client, an award-winning courier service provider. Engaging in national and international business whilst running a fleet of varying vehicle sizes including a range of
vans, trucks, and lorries.

In the six years prior to seeking the services of the RHA Insurance Services the client had seen a large increase in the premium being submitted at renewal by the
incumbent broker. The continual premium increases and issues arising from service led to the client experiencing feelings of frustration.

The Solution:

One of the first steps to solving the issue of the premium increase was for the client to seek the services of a new insurance broker. Initially, our team was approached to review the following cover types:

  • Commercial Motor
  • Liability
  • Goods in Transit.

As standard, the team conducted a full technical review of the client’s insurance programme, listened to their concerns regarding their existing service provider and made a
series of recommendations. Outlining the additional benefits that we could provide, within premium and at no additional cost.

The team provided the client with a lower premium and a fully comprehensive insurance programme. Additional benefits included quarterly review meetings to discuss
items such as claims frequency and severity.

The implementation of an extensive risk management programme to help improve driver behaviour and to mitigate further risk towards
the business.

Our positive attitude towards risk management provided the client with immediate peace of mind. We feel it is part of our duty to our clients to be as invested as they
are in educating employees about the impact of issues such as driver behaviour. This joined-up approach often results in lower incident rates and therefore lower premiums for the business.

Key Facts and Benefits:

  •  Access to risk management support, guidance and advice on how to reduce claim frequency
  • Dedicated in-house claims team
  • Quarterly review meetings
  • 25% premium saving.

Get in Touch;

If you’d like to take advantage of all of these great benefits or to get a no obligation quote simply get in touch with the team today. Call us at 0203 960 2944 or visit to start securing your future today.

Efficiencies and savings for London-based ELV and nuisance vehicle specialist

The Business Situation:

A leading End of Life Vehicle (ELV) and nuisance vehicle contractor, operating across 26 local authorities in and around the London area required a thorough technical review of their existing insurance coverage.

The company had been with their existing broker for over 25 years and had recently experienced an increase in claims frequency. After feeling unsupported by their current broker, due to a lack of communication, and support with risk management and steady premium increases they felt a new approach was necessary.

The client had been in discussions with an existing customer of the RHA Insurance Services regarding their insurance coverage and our team came highly recommended.
Our service-driven approach, extensive risk assessment capabilities and cost effectiveness were all highlighted by our existing client as reasons to work with the RHA Insurance Services team.

The Solution:

The client invited the RHA Insurance Services to review and quote for their insurance portfolio with a particular focus on motor fleet insurance.

The customer operates within a highly regulated environment and must adhere to stringent guidelines, so it is paramount that the correct level of coverage is in place. In
accordance with our standard work practices the team carried out a full technical review of all cover types to assess any potential gaps in cover. A thorough risk assessment was also undertaken before any recommendations were made to the client.

Following a full portfolio review our team made the following recommendations:

  • enhanced coverage for their plant and
    machinery requirements
  • monthly claim reviews
  • access to our in-house claims team, and the team were able to achieve a significant cost saving on premium.

The combination of our unique access to the market and our award-winning services saved the client time, resources, and produced tangible premium savings of around 20%.

The Key Facts and Benefits;

● £120,000 premium saving
● 3-year long-term agreement
● Enhanced coverage
● Dedicated in house claims team.

Get in Touch;

If you’d like to take advantage of all of these great benefits or to get a no obligation quote simply get in touch with the team today. Call us at 0203 960 2944 or visit to start securing your future today.

Covéa partners with iFarm Underwriting on mini-fleet product

The new offering is available to brokers specialising in rural businesses and agriculture.

Covéa Insurance and iFarm Underwriting have entered a strategic partnership for motor fleets targeting rural businesses.

iFarm, which is part of specialist managing general agent (MGA) Imperium Insurance Management, stated that the arrangement will give its agricultural brokers a “competitive edge” in the smaller fleet space of between two and 15 vehicles.

Alun Roberts, managing director of iFarm, noted that it was the MGA’s mission to create a purpose built quote, buy and bind intuitive platform with a suite of agricultural products focused around country life.

He added: “The lifeblood of the product is to avoid urban areas by selecting country postcodes and targeting rural family run businesses, giving consideration to occupations such as builders, electricians and the like.”

Gavin Dollings, director of commercial underwriting at Covéa, stated: “iFarm has established a market reputation for exceptional service delivery and a customer-centric culture, which dovetails our own strategic goals.”

According to the MGA iFarm and sister brand iSure Underwriting have launched a number of products in recent months in the UK and Irish markets.

For further information, please contact the iFarm Team: +44 (0) 20 3818 8061 or email

Government Urges UK Hauliers to Prepare for a ‘No-deal’ Brexit

With only five months remaining until Brexit takes place on 29th March 2019, the UK and EU have yet to establish a proper withdrawal agreement. This leaves the possibility for a no-deal scenario to occur, forcing the UK to become a third country and lack any framework for a future relationship with the EU. And while the government has stated that a no-deal Brexit is unlikely, a recent blog post from the Driver and Vehicle Standards Agency (DVSA) is urging lorry operators to be prepared.

In the event of a no-deal, there is a possibility that UK lorries would no longer be automatically permitted to drive within the EU. As a result, the government is encouraging lorry drivers to apply for European Conference of Ministers of Transport (ECMT) permits, which allow operator licence holders to continue working in the EU after Brexit.

This permit, which drivers can apply for from Monday, 26th November to Friday, 21st December 2018, is important for lorry drivers with routines that regularly require driving to and from the EU, or for those that have plans to operate within the EU in the future. If your lorry operations only take place in the UK, there is no need to apply for the permit.

Follow these steps to obtain an ECMT permit:

  • Get registered—Before you can apply for the ECMT permit, you must be registered on the Vehicle Operator Licensing (VOL) system. The majority of professional drivers are likely already registered on VOL. However, in the event that you aren’t, it’s crucial to complete this step as soon as possible—it takes two weeks to receive a VOL account after registering, and you have a relatively small time frame to apply for the ECMT permit.
  • Be ready to apply—As previously stated, the government will accept applications for annual ECMT permits for 2019 from Monday, 26th November through Friday, 21st December 2018. It’s critical for you to be prepared to apply during this time, as late applications will not be accepted. Although the applications page is not yet available, you can be notified as soon as the page is live by registering for alerts from the following pages:
  • uk email alerts
  • DVSA email alerts
  • Stay updated—As plans for Brexit continue to develop, stay informed and find out the latest information from the government by clicking here. For more information on preparing your ECMT permit application, use the government’s detailed guidance located

The DVSA stated that drivers will know whether or not their applications for the ECMT permit have been accepted in early 2019. Because there is a limited amount of permits, they will be provided based on a variety of factors, such as how often the driver will use the permit.

To be clear, the DVSA does not think a no-deal Brexit will occur, but they are urging hauliers to prepare for every possible outcome.

For more information and to discuss insurance solutions, contact Direct Insurance Corporate Risks today.