Supporting your Consumer Duty journey

We understand that navigating Consumer Duty and its principles can be a challenge, especially as a broker. That's why we want to make sure you have access to all the necessary documentation to comply and achieve positive outcomes for your customers. To make things easier for you, we have compiled all the relevant documents you'll need from us and some helpful resources in one convenient place

INTRO CD2

The new Consumer Duty regulation aims to make financial markets work better for both consumers and firms. It sets higher expectations for firms to deliver good outcomes to consumers, while also ensuring that they act in good faith, avoid harm, and provide clear communications and fair value. This is an important step towards creating a more transparent and trustworthy financial market.

Consumer Duty has been developed to improve the relationship between firms and consumers. The FCA has outlined the fundamental aspects of this relationship, focusing on products and services, price and value, as well as consumer understanding and consumer support, which are all important to achieving positive outcomes for customers.

Consumer Duty affects all FCA approved firms that have a significant impact on, or decide, retail customer outcomes in the UK. This includes businesses who produce or offer products and services to retail clients.

  • 31 October 2022: Boards (or an equivalent management body) are required to have an implementation plan
  • 31 July 2023: new Consumer Duty rules come into force for new and existing products or services open to sales or renewals
  • 31 July 2024: rules come to force for closed products and services

To ensure that firms are delivering great outcomes, it's important to focus on the four key areas of scrutiny:

Products & services: Are the products and services designed to meet the needs, characteristics, and objectives of your target market?

Price & value: Are your products and services fairly priced and delivering value to your customers?

Consumer understanding: Are your communications easy to understand and being understood by your audience?

Consumer support: Are your customers able to fully realise the benefits of your products and services?

Please complete our Information Sharing Form by 30 September 2025.

Key documents

Document type

Policy documents

Policies incepted from 1 August 2023
ERS Car Policy Wording 0823
Policies incepted from 1 November 2022
ERS Car Policy Wording ACPC 0922
Policies incepted from 1 December 2021
Policy documents personal motor car insurance ERS Car Policy Wording ACPC 1221
Policies incepted from 1 June 2021
Policy documents personal motor car insurance ERS Car Policy Wording ACPC 0621
IPID personal motor car insurance ERS Car IPID COMP 0922 IPID personal motor car insurance ERS Car IPID ADTP 0922 IPID personal motor car insurance ERS Car IPID ADFT 0922 IPID personal motor car insurance ERS Car IPID TPO 0922 IPID personal motor car insurance ERS Car IPID TPFT 0922 IPID personal motor car insurance ERS Car IPID FT 0922 Ipid personal motor car insurance ERS Car IPID ADTP 1221 Ipid personal motor car insurance ERS Car IPID ADFT 1221 Ipid personal motor car insurance ERS Car IPID TPO 1221 Ipid personal motor car insurance ERS Car IPID TPFT 1221 Ipid personal motor car insurance ERS Car IPID FT 1221 Ipid personal motor car insurance ERS Car IPID COMP 1221 Ipid personal motor car insurance ERS Private Car IPID ADTP 0619 Ipid personal motor car insurance ERS Private Car IPID TPFT 0619 Ipid personal motor car insurance ERS Private Car IPID COMP 0619 Ipid personal motor car insurance ERS Private Car IPID ADFT 0619 Ipid personal motor car insurance ERS Private Car IPID TPO 0619 Ipid personal motor car insurance ERS Private Car IPID FT 0619 Ipid personal motor car insurance ERS Car IPID TPFT 0621 Ipid personal motor car insurance ERS Car IPID FT 0621 Ipid personal motor car insurance ERS Car IPID COMP 0621 Ipid personal motor car insurance ERS Car IPID ADTP 0621 Ipid personal motor car insurance ERS Car IPID ADFT 0621 Ipid personal motor car insurance ERS Car IPID TPO 0621
Statement of facts personal motor car insurance ERS Private Car SOF 1122 Statement of facts personal motor car insurance ERS Car SOF 1221 Statement of facts personal motor car insurance Private Car SOF 0618 Statement of facts personal motor car insurance Private Car Statement of facts personal motor car insurance Private Car SOF Statement of facts personal motor car insurance Non Standard Car Statement of facts personal motor car insurance Non Standard Car SOF Statement of facts personal motor car insurance ERS Private Car SOF 0618 Statement of facts personal motor car insurance ERS Private Car SOF 0619
ERS Product Value Form Private Car 2024 ERS Product Value Form Private Car 2023 ERS Product Value Form Private Car 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

ERS Motorhome IPID TPO 0124 ERS Motorhome IPID TPFT 0124 ERS Motorhome IPID FT 0124 ERS Motorhome IPID COMP 0124 ERS Motorhome IPID ADTP 0124 ERS Motorhome IPID ADFT 0124 ERS Motorhome IPID TPFT 0323 ERS Motorhome IPID ADTP 0323 ERS Motorhome IPID COMP 0323 ERS Motorhome IPID FT 0323 ERS Motorhome IPID ADFT 0323 ERS Motorhome IPID TPO 0323 IPID personal personal motor motorhome insurance ERS Motorhome IPID COMP 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID ADTP 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID ADFT 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID TPO 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID TPFT 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID FT 0922 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID FT 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID FT 0619 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID FT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID FT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 0721
Statement of facts personal motor motorhome insurance ERS Motorhome SOF 1122 Ipid personal motor motorhome insurance ERS Motorhome SOF 1221 Statement of facts personal motor motorhome insurance Motorhome SOF 0618 Statement of facts personal motor motorhome insurance ERS Motorhome SOF 0618 Statement of facts personal motor motorhome insurance ERS Motorhome SOF 0619 Statement of facts personal motor motorhome insurance Motorhome SOF
ERS Product valuation Form - Motorhome - 2025 ERS Product Value Form Motorhome 2024 ERS Product Value Form Motorhome 2023 ERS Product Value Form Motorhome 2022 v2

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

ERS Classic Car ex break IPID TPFT 0323 ERS Classic Car ex break IPID FT 0323 ERS Classic Car ex break IPID COMP 0323 ERS Classic Car ex break IPID ADTP 0323 ERS Classic Car ex break IPID ADFT 0323 ERS Classic Car inc break IPID TPO 0323 ERS Classic Car inc break IPID TPFT 0323 ERS Classic Car inc break IPID FT 0323 ERS Classic Car inc break IPID COMP 0323 ERS Classic Car inc break IPID ADTP 0323 ERS Classic Car inc break IPID ADFT 0323 ERS Classic Car ex break IPID TPO 0323 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID COMP 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID ADTP 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID ADFT 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID TPO 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID TPFT 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID FT 1122 IPID personal motor enthusiast insurance ERS Enthusiast IPID TPO 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID TPFT 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID FT 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID COMP 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID ADTP 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID ADFT 1221 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID ADFT 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID FT 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID TPO 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID TPFT 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID FT 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID TPO 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID ADFT 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID ADFT 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID TPFT 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID FT 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID TPO 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID FT 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID TPO 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID TPFT 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID TPFT 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID ADFT 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID TPO 0721 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID TPFT 0721 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID FT 0721 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID COMP 0721 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID ADTP 0721 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID ADFT 0721
Statement of facts personal motor enthusiast insurance ERS Enthusiast SOF 1122 Statement of facts personal motor enthusiast insurance ERS Classic Car SOF 0619 Statement of facts personal motor enthusiast insurance ERS Classic Car SOF CCSOF 0215 Statement of facts personal motor enthusiast insurance Classic Car SOF 0618 Statement of facts personal motor enthusiast insurance ERS Classic Car SOF 0618 Statement of facts personal motor enthusiast insurance Classic Car Statement of facts personal motor enthusiast insurance Classic Car SOF
ERS Product Value Form Enthusiast 2025 ERS Product Value Form Enthusiast 2024 ERS Product Value Form Enthusiast 2023 ERS Product Value Form Enthusiast 2022
Classic Car Agreed Value Form 0618 Classic Car Mileage Dec Form 0618

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

ERS Prestige IPID TPO 0923 ERS Prestige IPID TPFT 0923 ERS Prestige IPID FT 0923 ERS Prestige IPID COMP 0923 ERS Prestige IPID ADTP 0923 ERS Prestige IPID ADFT 0923 IPID personal personal motor prestige insurance ERS Prestige IPID ADTP 1122 IPID personal personal motor prestige insurance ERS Prestige IPID ADFT 1122 IPID personal personal motor prestige insurance ERS Prestige IPID TPO 1122 IPID personal personal motor prestige insurance ERS Prestige IPID TPFT 1122 IPID personal personal motor prestige insurance ERS Prestige IPID FT 1122 IPID personal personal motor prestige insurance ERS Prestige IPID COMP 1122 IPID personal motor prestige insurance ERS Prestige IPID TPFT 1221 IPID personal motor prestige insurance ERS Prestige IPID FT 1221 IPID personal motor prestige insurance ERS Prestige IPID COMP 1221 IPID personal motor prestige insurance ERS Prestige IPID ADTP 1221 IPID personal motor prestige insurance ERS Prestige IPID ADFT 1221 IPID personal motor prestige insurance ERS Taxi IPID ADFT 0122 Ipid personal motor prestige insurance ERS Sports Entertainment IPID TPO 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID TPFT 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID FT 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID COMP 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID ADTP 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID ADFT 0721 Ipid personal motor prestige insurance ERS Supercar IPID TPO 0721 Ipid personal motor prestige insurance ERS Supercar IPID TPFT 0721 Ipid personal motor prestige insurance ERS Supercar IPID ADFT 0721 Ipid personal motor prestige insurance ERS Supercar IPID FT 0721 Ipid personal motor prestige insurance ERS Supercar IPID COMP 0721 Ipid personal motor prestige insurance ERS Supercar IPID ADTP 0721
ERS Product Value Form Prestige Overseas 2025 ERS Product Value Form Prestige Overseas 2024 ERS Product Value Form Prestige Overseas 2023 ERS Product Value Form Prestige Overseas 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Policies incepted from 1 July 2023
ERS Commercial Vehicle Policy Wording ACCOM 0723
Policies incepted from 1 November 2022
ERS Commercial Vehicle Policy Wording ACCOM 1122
Policies incepted from 1 December 2021
ERS Commercial Vehicle Policy Wording ACCOM 1221
Policies incepted from 1 March 2021
ERS Commercial Vehicle Policy Wording ACCOM 0321
IPID personal commercial motor courier insurance ERS Commercial veh IPID ADFT 1122 IPID personal commercial motor courier insurance ERS Commercial veh IPID ADTP 1122 IPID personal commercial motor courier insurance ERS Commercial veh IPID TPFT 1122 IPID personal commercial motor courier insurance ERS Commercial veh IPID TPO 1122 IPID personal commercial motor courier insurance ERS Commercial veh IPID COMP 1122 IPID personal commercial motor courier insurance ERS Commercial veh IPID FT 1122 Ipid commercial motor courier insurance ERS Commercial veh IPID ADFT 1221 Ipid commercial motor courier insurance ERS Commercial veh IPID ADTP 1221 Ipid commercial motor courier insurance ERS Commercial veh IPID COMP 1221 Ipid commercial motor courier insurance ERS Commercial veh IPID FT 1221 Ipid commercial motor courier insurance ERS Commercial veh IPID TPFT 1221 Ipid commercial motor courier insurance ERS Commercial veh IPID TPO 1221
Statement of facts commercial motor courier insurance ERS Commercial SOF 1122 Statement of facts commercial motor courier insurance ERS Commercial SOF 1221
ERS Product Value Form Commercial 2025 ERS Product Value Form Commercial 2024 ERS Product Value Form Commercial 2023 ERS Product Value Form Commercial 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal commercial motor transportation insurance ERS Commercial veh IPID ADFT 1122 IPID personal commercial motor transportation insurance ERS Commercial veh IPID ADTP 1122 IPID personal commercial motor transportation insurance ERS Commercial veh IPID FT 1122 IPID personal commercial motor transportation insurance ERS Commercial veh IPID TPFT 1122 IPID personal commercial motor transportation insurance ERS Commercial veh IPID TPO 1122 IPID personal commercial motor transportation insurance ERS Commercial veh IPID COMP 1122 Ipid commercial motor transportation insurance ERS Commercial veh IPID COMP 1221 Ipid commercial motor transportation insurance ERS Commercial veh IPID FT 1221 Ipid commercial motor transportation insurance ERS Commercial veh IPID TPFT 1221 Ipid commercial motor transportation insurance ERS Commercial veh IPID TPO 1221 Ipid commercial motor transportation insurance ERS Commercial veh IPID ADFT 1221 Ipid commercial motor transportation insurance ERS Commercial veh IPID ADTP 1221
Statement of facts commercial motor transportation insurance ERS Commercial SOF 1122 Statement of facts commercial motor transportation insurance ERS Commercial SOF 1221 Statement of facts commercial motor transportation insurance Transportation SOF 0618 Statement of facts commercial motor transportation insurance Transportation Statement of facts commercial motor transportation insurance Transportation SOF Statement of facts commercial motor transportation insurance ERS Transportation SOF 0618 Statement of facts commercial motor transportation insurance ERS Transportation SOF 0619
ERS Product Value Form Commercial 2025 ERS Product Value Form Commercial 2024 ERS Product Value Form Commercial 2023 ERS Product Value Form Commercial 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADTP 1122 IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADFT 1122 IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPO 1122 IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPFT 1122 IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID FT 1122 IPID personal commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID COMP 1122 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADTP 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADFT 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPO 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPFT 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID COMP 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID FT 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADTP 0619 Ipid commercial motor specialist commercial vehicle insurance Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID COMP 0619 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADFT 0619 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID FT 0619 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPO 0619 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID FT 0321 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADFT 0321 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID COMP 0321 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID TPFT 0321 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADTP 0321
ERS Product Value Form Commercial 2025 ERS Product Value Form Commercial 2024 ERS Product Value Form Commercial 2023 ERS Product Value Form Commercial 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Policies incepted from 1 February 2024
ERS Minibus Policy Wording ACMB 0224
Policies incepted from 1 November 2022
ERS Minibus Policy Wording ACMB 1122
Policies incepted from 1 August 2022
ERS Minibus Policy Wording ACMB 0722
Policies incepted from 1 December 2021
Policy documents commercial motor minibus insurance ERS Minibus Policy Wording ACMB 1221
Policies incepted from 1 March 2021
Policy documents commercial motor minibus insurance ERS Minibus Policy Wording ACMB 0321
ERS Minibus IPID FT 0224 ERS Minibus IPID COMP 0224 ERS Minibus IPID ADTP 0224 ERS Minibus IPID ADFT 0224 ERS Minibus IPID TPO 0224 ERS Minibus IPID TPFT 0224 IPID personal commercial motor minibus insurance ERS Minibus IPID COMP 1122 IPID personal commercial motor minibus insurance ERS Minibus IPID ADTP 1122 IPID personal commercial motor minibus insurance ERS Minibus IPID ADFT 1122 IPID personal commercial motor minibus insurance ERS Minibus IPID TPO 1122 IPID personal commercial motor minibus insurance ERS Minibus IPID TPFT 1122 IPID personal commercial motor minibus insurance ERS Minibus IPID FT 1122 ERS Minibus IPID ADTP 0722 ERS Minibus IPID TPO 0722 ERS Minibus IPID ADFT 0722 ERS Minibus IPID TPFT 0722 ERS Minibus IPID FT 0722 ERS Minibus IPID COMP 0722 Ipid commercial motor minibus insurance ERS Minibus IPID TPO 1221 Ipid commercial motor minibus insurance ERS Minibus IPID TPFT 1221 Ipid commercial motor minibus insurance ERS Minibus IPID FT 1221 Ipid commercial motor minibus insurance ERS Minibus IPID COMP 1221 Ipid commercial motor minibus insurance ERS Minibus IPID ADTP 1221 Ipid commercial motor minibus insurance ERS Minibus IPID ADFT 1221 Ipid commercial motor minibus insurance ERS Minibus IPID FT 0321 Ipid commercial motor minibus insurance ERS Minibus IPID COMP 0321 Ipid commercial motor minibus insurance ERS Minibus IPID ADTP 0321 Ipid commercial motor minibus insurance ERS Minibus IPID ADFT 0321 Ipid commercial motor minibus insurance ERS Minibus IPID TPFT 0321 Ipid commercial motor minibus insurance ERS Minibus IPID TPO 0321
Statement of facts commercial motor minibus insurance ERS Minibus SOF 1122 Statement of facts commercial motor minibus insurance ERS Minibus SOF 1221 Statement of facts commercial motor minibus insurance Minibus SOF 0618 Statement of facts commercial motor minibus insurance ERS Minibus SOF 0619 Statement of facts commercial motor minibus insurance Minibus Statement of facts commercial motor minibus insurance Minibus SOF Statement of facts commercial motor minibus insurance ERS Minibus SOF 0618
ERS Product Value Form Passenger Carrying Vehicle 2024 ERS Product Value Form Passenger Carrying Vehicle 2023 Minibus - ERS Product Value Form - Passenger Carrying Vehicle 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Policies incepted from 1 April 2024
ERS Taxi Policy Wording TX 0424
Policies incepted from 1 November 2022
ERS Taxi Policy Wording TX 0922
Policies incepted from 1 July 2022
ERS Taxi Policy Wording TX 0122
Policies incepted from 1 December 2021
Policy documents commercial motor taxi insurance ERS Taxi Policy Wording TX 1221
Policies incepted from 1 March 2021
Policy documents commercial motor taxi insurance ERS Taxi Policy Wording TX 0321
ERS Taxi IPID TPO 0424 eRS Taxi IPID TPFT 0424 ERS Taxi IPID COMP 0424 IPID personal commercial motor taxi insurance ERS Taxi IPID ADTP 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID ADFT 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID TPO 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID TPFT 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID FT 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID COMP 0922 IPID commercial motor taxi insurance ERS Taxi IPID TPFT 0122 IPID commercial motor taxi insurance ERS Taxi IPID FT 0122 IPID commercial motor taxi insurance ERS Taxi IPID COMP 0122 IPID commercial motor taxi insurance ERS Taxi IPID ADTP 0122 IPID commercial motor taxi insurance ERS Taxi IPID ADFT 0122 IPID commercial motor taxi insurance ERS Taxi IPID TPO 0122 Ipid commercial motor taxi insurance ERS Taxi IPID ADTP 1221 Ipid commercial motor taxi insurance ERS Taxi IPID COMP 1221 Ipid commercial motor taxi insurance ERS Taxi IPID ADFT 1221 Ipid commercial motor taxi insurance ERS Taxi IPID TPO 1221 Ipid commercial motor taxi insurance ERS Taxi IPID TPFT 1221 Ipid commercial motor taxi insurance ERS Taxi IPID FT 1221 Ipid commercial motor taxi insurance ERS Taxi IPID ADTP 0619 Ipid commercial motor taxi insurance ERS Taxi IPID FT 0619 Ipid commercial motor taxi insurance ERS Taxi IPID COMP 0619 Ipid commercial motor taxi insurance ERS Taxi IPID TPO 0619 Ipid commercial motor taxi insurance ERS Taxi IPID TPFT 0619 Ipid commercial motor taxi insurance ERS Taxi IPID ADFT 0619 Ipid commercial motor taxi insurance ERS Taxi IPID TPO 0321 Ipid commercial motor taxi insurance ERS Taxi IPID TPFT 0321 Ipid commercial motor taxi insurance ERS Taxi IPID FT 0321 Ipid commercial motor taxi insurance ERS Taxi IPID COMP 0321 Ipid commercial motor taxi insurance ERS Taxi IPID ADTP 0321 Ipid commercial motor taxi insurance ERS Taxi IPID ADFT 0321
Statement of facts commercial motor taxi insurance ERS Taxi SOF 1122 Statement of facts commercial motor taxi insurance ERS Taxi SOF 1221 Statement of facts commercial motor taxi insurance Taxi SOF 0618 Statement of facts commercial motor taxi insurance Non standard Taxi SOF Statement of facts commercial motor taxi insurance Taxi Statement of facts commercial motor taxi insurance Taxi SOF Statement of facts commercial motor taxi insurance ERS Taxi SOF 0619 Statement of facts commercial motor taxi insurance Non standard Taxi Statement of facts commercial motor taxi insurance ERS Taxi SOF 0618
ERS Product Value Form Taxi 2024 ERS Product Value Form Taxi 2023 pdf ERS Product Value Form Taxi 2022 v2

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal commercial motor wedding insurance ERS Taxi IPID TPO 0922 IPID personal commercial motor wedding insurance ERS Taxi IPID ADFT 0922 IPID personal commercial motor wedding insurance ERS Taxi IPID ADTP 0922 IPID personal commercial motor wedding insurance ERS Taxi IPID FT 0922 IPID personal commercial motor wedding insurance ERS Taxi IPID TPFT 0922 IPID personal commercial motor wedding insurance ERS Taxi IPID COMP 0922 Ipid commercial motor wedding insurance ERS Taxi IPID TPO 1221 Ipid commercial motor wedding insurance ERS Taxi IPID ADFT 1221 Ipid commercial motor wedding insurance ERS Taxi IPID ADTP 1221 Ipid commercial motor wedding insurance ERS Taxi IPID COMP 1221 Ipid commercial motor wedding insurance ERS Taxi IPID FT 1221 Ipid commercial motor wedding insurance ERS Taxi IPID TPFT 1221
Statement of facts commercial motor wedding insurance ERS Taxi SOF 1122 Statement of facts commercial motor wedding insurance ERS Taxi SOF 1221
ERS Product Value Form Taxi 2024 ERS Product Value Form Taxi 2023 ERS Product Value Form Taxi 2022 v2

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Policies incepted from 1 November 2022
ERS Horsebox Policy Wording ACHB 1122
Policies incepted from 1 December 2021
ERS Horsebox Policy Wording ACHB 1221
Policies incepted from 1 October 2020
ERS Horsebox Policy Wording ACHB 1020
IPID personal agriculture motor horsebox insurance ERS Horsebox IPID ADTP 1122 IPID personal agriculture motor horsebox insurance ERS Horsebox IPID TPO 1122 IPID personal agriculture motor horsebox insurance ERS Horsebox IPID ADFT 1122 IPID personal agriculture motor horsebox insurance ERS Horsebox IPID FT 1122 IPID personal agriculture motor horsebox insurance ERS Horsebox IPID TPFT 1122 IPID personal agriculture motor horsebox insurance ERS Horsebox IPID COMP 1122 Ipid agriculture motor horsebox insurance ERS Horsebox IPID TPO 1221 Ipid agriculture motor horsebox insurance ERS Horsebox IPID ADFT 1221 Ipid agriculture motor horsebox insurance ERS Horsebox IPID ADTP 1221 Ipid agriculture motor horsebox insurance ERS Horsebox IPID COMP 1221 Ipid agriculture motor horsebox insurance ERS Horsebox IPID FT 1221 Ipid agriculture motor horsebox insurance ERS Horsebox IPID TPFT 1221
ERS Horsebox Statement of fact
ERS Product Value Form Horsebox 2024 ERS Product Value Form Horsebox 2023 Horsebox – ERS Product Value Form – Horsebox 2022 ERS Product Value Form Horsebox 2021

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal motor fleet own goods and trades insurance ERS Fleet IPID COMP 1122 IPID personal motor fleet own goods and trades insurance ERS Fleet IPID ADFT 1122 IPID personal motor fleet own goods and trades insurance ERS Fleet IPID TPO 1122 IPID personal motor fleet own goods and trades insurance ERS Fleet IPID TPFT 1122 IPID personal motor fleet own goods and trades insurance ERS Fleet IPID FT 1122 ERS Fleet IPID COMP 0922 ERS Fleet IPID ADFT 0922 ERS Fleet IPID TPO 0922 ERS Fleet IPID TPFT 0922 ERS Fleet IPID FT 0922 Ipid motor fleet own goods and trades insurance ERS SDH IPID TPO 1221 Ipid motor fleet own goods and trades insurance ERS SDH IPID COMP 1221 Ipid motor fleet own goods and trades insurance ERS SDH IPID ADFT 1221 Ipid motor fleet own goods and trades insurance ERS SDH IPID TPFT 1221 Ipid motor fleet own goods and trades insurance ERS SDH IPID FT 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID ADFT 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID TPO 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID TPFT 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID FT 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID COMP 1221 Ipid motor fleet own goods and trades insurance ERS Fleet IPID COMP 0619 Ipid motor fleet own goods and trades insurance ERS Fleet IPID ADFT 0619 Ipid motor fleet own goods and trades insurance ERS Fleet IPID TPFT 0619 Ipid motor fleet own goods and trades insurance ERS Fleet IPID FT 0619 Ipid motor fleet own goods and trades insurance ERS Fleet IPID TPO 0619
Statement of facts motor fleet own goods and trades insurance ERS Fleetsure SOF 1122 Statement of facts motor fleet own goods and trades insurance ERS Fleetsure SOF 1221 Statement of facts motor fleet own goods and trades insurance Fleetsure SOF 0618 Statement of facts motor fleet own goods and trades insurance ERS Fleetsure SOF 0618 Statement of facts motor fleet own goods and trades insurance ERS Fleetsure SOF 0619 Statement of facts motor fleet own goods and trades insurance Fleet SOF
ERS Product Value Form Fleet 2025 ERS Product Value Form Fleet 2024 ERS Product Value Form Fleet 2023 ERS Product Value Form Fleet 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal motor fleet passenger transportation insurance ERS Fleet IPID COMP 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID ADFT 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID TPO 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID TPFT 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID FT 1122 ERS Fleet IPID COMP 0922 ERS Fleet IPID ADFT 0922 ERS Fleet IPID TPO 0922 ERS Fleet IPID TPFT 0922 ERS Fleet IPID FT 0922 Ipid motor fleet passenger transportation insurance ERS Fleet IPID FT 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID COMP 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID COMP 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID ADFT 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID ADFT 0619 Ipid motor fleet passenger transportation insurance ERS SDH IPID TPO 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID TPFT 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID FT 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID COMP 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID ADFT 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPO 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPO 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPFT 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPFT 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID FT 1221
Statement of facts motor fleet passenger transportation insurance ERS Fleetsure SOF 1122 Statement of facts motor fleet passenger transportation insurance ERS Fleetsure SOF 0618 Statement of facts motor fleet passenger transportation insurance ERS Fleetsure SOF 0619 Statement of facts motor fleet passenger transportation insurance Fleet SOF Statement of facts motor fleet passenger transportation insurance Fleetsure SOF 0618 Statement of facts motor fleet passenger transportation insurance ERS Fleetsure SOF 1221
ERS Product Value Form Fleet 2025 ERS Product Value Form Fleet 2024 ERS Product Value Form Fleet 2023 ERS Product Value Form Fleet 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID ADFT 1122 IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID TPO 1122 IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID TPFT 1122 IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID FT 1122 IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID COMP 1122 ERS Fleet IPID ADFT 0922 ERS Fleet IPID TPO 0922 ERS Fleet IPID TPFT 0922 ERS Fleet IPID FT 0922 ERS Fleet IPID COMP 0922 Ipid motor fleet goods for hire reward insurance ERS SDH IPID FT 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID TPO 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID TPFT 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID COMP 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID ADFT 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID TPO 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID TPO 0619 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID TPFT 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID TPFT 0619 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID FT 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID FT 0619 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID COMP 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID COMP 0619 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID ADFT 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID ADFT 0619
Statement of facts motor fleet goods for hire reward insurance ERS Fleetsure SOF 1122 Statement of facts motor fleet goods for hire reward insurance ERS Fleetsure SOF 0618 Statement of facts motor fleet goods for hire reward insurance ERS Fleetsure SOF 0619 Statement of facts motor fleet goods for hire reward insurance ERS Fleetsure SOF 1221 Statement of facts motor fleet goods for hire reward insurance Fleet SOF Statement of facts motor fleet goods for hire reward insurance Fleetsure SOF 0618
ERS Product Value Form Fleet 2025 ERS Product Value Form Fleet 2024 ERS Product Value Form Fleet 2023 ERS Product Value Form Fleet 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Policies incepted from 1 November 2022
ERS Fleet Policy Wording SDH 1122 ERS Fleet Policy Wording SDH 0922
Policies incepted from 1 December 2021
Policy documents motor fleet ERS SDH Policy Wording 1221
Policies incepted from 1 October 2020
Policy documents motor fleet ERS SDH Policy Wording 1020
IPID personal motor fleet self drive hire ERS SDH IPID COMP 1122 IPID personal motor fleet self drive hire ERS SDH IPID ADFT 1122 IPID personal motor fleet self drive hire ERS SDH IPID TPO 1122 IPID personal motor fleet self drive hire ERS SDH IPID TPFT 1122 IPID personal motor fleet self drive hire ERS SDH IPID FT 1122 ERS SDH IPID COMP 0922 ERS SDH IPID ADFT 0922 ERS SDH IPID TPO 0922 ERS SDH IPID TPFT 0922 ERS SDH IPID FT 0922 Ipid motor fleet self drive hire ERS Fleet IPID FT 1221 Ipid motor fleet self drive hire ERS Fleet IPID FT 0619 Ipid motor fleet self drive hire ERS Fleet IPID COMP 1221 Ipid motor fleet self drive hire ERS Fleet IPID COMP 0619 Ipid motor fleet self drive hire ERS Fleet IPID ADFT 1221 Ipid motor fleet self drive hire ERS Fleet IPID ADFT 0619 Ipid motor fleet self drive hire ERS SDH IPID TPO 1221 Ipid motor fleet self drive hire ERS SDH IPID TPFT 1221 Ipid motor fleet self drive hire ERS SDH IPID FT 1221 Ipid motor fleet self drive hire ERS SDH IPID COMP 1221 Ipid motor fleet self drive hire ERS SDH IPID ADFT 1221 Ipid motor fleet self drive hire ERS Fleet IPID TPO 1221 Ipid motor fleet self drive hire ERS Fleet IPID TPO 0619 Ipid motor fleet self drive hire ERS Fleet IPID TPFT 0619 Ipid motor fleet self drive hire ERS Fleet IPID TPFT 1221
Statement of facts motor fleet self drive hire ERS Fleetsure SOF 1122 Statement of facts motor fleet self drive hire ERS Fleetsure SOF 1221 Statement of facts motor fleet self drive hire Fleet SOF Statement of facts motor fleet self drive hire Fleetsure SOF 0618 Statement of facts motor fleet self drive hire ERS Fleetsure SOF 0618 Statement of facts motor fleet self drive hire ERS Fleetsure SOF 0619
ERS Product Value Form Fleet 2025 ERS Product Value Form Fleet 2024 ERS Product Value Form Fleet 2023 ERS Product Value Form Fleet 2022

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

Document type

Policy documents

ERS MBI Total UK IPID 1122 ERS MBI Total UK Europe IPID 1122 ERS MBI Roadside IPID 1122 ERS MBI Roadside Recovery IPID 1122 ERS Equine MBI Total UK IPID 1122 ERS Equine MBI Roadside IPID 1122 ERS Equine MBI Roadside Recovery IPID 1122 Ipid motor breakdown insurance ERS MBI Total UK IPID 1221 Ipid motor breakdown insurance ERS MBI Roadside Recovery IPID 1221 Ipid motor breakdown insurance ERS MBI Total UK Europe IPID 1221 Ipid motor breakdown insurance ERS MBI Roadside IPID 1221 Ipid motor breakdown insurance ERS Equine MBI Roadside Recovery IPID 1221 Ipid motor breakdown insurance ERS Equine MBI Total UK IPID 1221 Ipid motor breakdown insurance ERS Equine MBI Roadside IPID 1221 Ipid motor breakdown insurance ERS MBI Total UK IPID 0619 Ipid motor breakdown insurance ERS MBI Total UK Europe IPID 0619 Ipid motor breakdown insurance ERS MBI Roadside Recovery IPID 0619 Ipid motor breakdown insurance ERS MBI Roadside IPID 0619
ERS Product Value Form MBI 2024 ERS Product Value Form MBI 2023 ERS Product Value Form MBI 2022 ERS Product Value Form MBI 2021

Information can be supplied in alternative formats should it be required e.g.

Braille, large print and others can be requested via claims@ers.com

To enable us to complete the assessments, we need you to provide updates on your remuneration. To help, we have set an acceptable remuneration levels for our products.

Commission

In line with Lloyd’s regulation, your commission should not exceed 49% of the total premium for ERS Retail and Commercial products and be in line with that product's business plan.

Fees

We have applied a threshold of up to £75 for Retail products and total fees for Commercial products should not exceed 5% of the total premium.

If your total remuneration exceeds these thresholds, please contact your Strategic Account Manager or Regional Development Manager as soon as possible and no later than 30 September 2025 so we can assess the ongoing fair value for our mutual customers.

Sharing details of your remuneration and services with ERS

Whilst we've asked you to let us know if you exceed our remuneration thresholds, you are required under FCA PROD 4 to provide the Manufacturer (ERS) with details on your remuneration and services provided. Please complete the Information Sharing Form by 30 September 2025.

FCA Consumer Duty FG22/5: Final non-Handbook Guidance for firms on the Consumer Duty

FCA Consumer Duty PS22/9: A new Consumer Duty

Sign-up here for all Consumer Duty email updates from the FCA

Main website for all FCA Consumer Duty information

Education

2022 BRANKO BL

Understanding the impact of new FCA rules on the insurance industry

Read more
Open video

Consumer Duty

Watch now
CD Supporting Vulnerable Customer PPT

Consumer Duty - Supporting Vulnerable Customers

Read more
CD Supporting Vulnerable Customer FLOW

Consumer Duty - Supporting Vulnerable Customers Flowchart

Read more
CD Group Doc Mockup

IQUW-Group Introducing Consumer Duty

Read more

We're here to help

If you need additional support please get in touch with our Data Protection Officer, Simon Mahaffey.

Contact us

Latest news

2025 ERS Assets Will Miners LI

From operations to underwriting: William Miners brings valuable insight to ERS

Read more
2025 ERS Assets Claire Denny LI

Introducing Claire Denny, our new Senior Underwriter for Schemes and Affinities

Read more
Untitled design

Welcoming our new regional underwriters: Strengthening expertise and expanding opportunities

Read more