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 31st July 2023.

Key documents

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

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 ADFT 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID ADTP 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID COMP 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID TPFT 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID TPO 0922 IPID personal personal motor motorhome insurance ERS Motorhome IPID FT 0922 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 1221 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 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 FT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 0821 Ipid personal motor motorhome insurance ERS Motorhome IPID COMP 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID FT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID TPFT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID TPO 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID ADFT 0721 Ipid personal motor motorhome insurance ERS Motorhome IPID ADTP 0721

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
Policies incepted from 1 July 2022
ERS Classic Car ex break IPID TPFT 0323 ERS Classic Car ex break IPID ADTP 0323 ERS Classic Car ex break IPID COMP 0323 ERS Classic Car ex break IPID FT 0323 ERS Classic Car inc break IPID TPO 0323 ERS Classic Car ex break IPID ADFT 0323 ERS Classic Car inc break IPID ADTP 0323 ERS Classic Car inc break IPID COMP 0323 ERS Classic Car inc break IPID FT 0323 ERS Classic Car inc break IPID TPFT 0323 ERS Classic Car ex break IPID TPO 0323 ERS Classic Car inc break IPID ADFT 0323 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID COMP 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID ADFT 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID ADTP 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID TPFT 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID TPO 1122 IPID personal personal motor enthusiast insurance ERS Enthusiast IPID FT 1122 IPID personal motor enthusiast insurance ERS Enthusiast IPID FT 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID TPFT 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID TPO 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID ADFT 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID ADTP 1221 IPID personal motor enthusiast insurance ERS Enthusiast IPID COMP 1221 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID FT 0619 Ipid personal motor enthusiast insurance ERS Classic Car ex break IPID ADFT 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Classic Car inc break IPID ADTP 0619 Ipid personal motor enthusiast insurance ERS Kit Car IPID COMP 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID TPO 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 ADTP 0619 Ipid personal motor enthusiast insurance ERS Mods Imports Car IPID TPFT 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 ADTP 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 FT 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 ADFT 0721

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 TPFT 0923 ERS Prestige IPID TPO 0923 ERS Prestige IPID ADTP 0923 ERS Prestige IPID COMP 0923 ERS Prestige IPID FT 0923 ERS Prestige IPID ADFT 0923 IPID personal personal motor prestige insurance ERS Prestige IPID ADFT 1122 IPID personal personal motor prestige insurance ERS Prestige IPID ADTP 1122 IPID personal personal motor prestige insurance ERS Prestige IPID TPFT 1122 IPID personal personal motor prestige insurance ERS Prestige IPID TPO 1122 IPID personal personal motor prestige insurance ERS Prestige IPID COMP 1122 IPID personal personal motor prestige insurance ERS Prestige IPID FT 1122 IPID personal motor prestige insurance ERS Prestige IPID FT 1221 IPID personal motor prestige insurance ERS Prestige IPID TPFT 1221 IPID personal motor prestige insurance ERS Taxi IPID ADFT 0122 IPID personal motor prestige insurance ERS Prestige IPID ADFT 1221 IPID personal motor prestige insurance ERS Prestige IPID ADTP 1221 IPID personal motor prestige insurance ERS Prestige IPID COMP 1221 Ipid personal motor prestige insurance ERS Sports Entertainment IPID TPFT 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID TPO 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID COMP 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID FT 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID ADFT 0721 Ipid personal motor prestige insurance ERS Sports Entertainment IPID ADTP 0721 Ipid personal motor prestige insurance ERS Supercar IPID TPFT 0721 Ipid personal motor prestige insurance ERS Supercar IPID TPO 0721 Ipid personal motor prestige insurance ERS Supercar IPID ADFT 0721 Ipid personal motor prestige insurance ERS Supercar IPID ADTP 0721 Ipid personal motor prestige insurance ERS Supercar IPID COMP 0721 Ipid personal motor prestige insurance ERS Supercar IPID FT 0721

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

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

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 ADFT 1122 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 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 TPFT 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 ADFT 1221 Ipid commercial motor specialist commercial vehicle insurance ERS Specialist Commercial IPID ADTP 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 ADTP 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 COMP 0321

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 coach and bus insurance ERS PCV IPID ADFT 0922 IPID personal commercial motor coach and bus insurance ERS PCV IPID ADTP 0922 IPID personal commercial motor coach and bus insurance ERS PCV IPID COMP 0922 IPID personal commercial motor coach and bus insurance ERS PCV IPID TPFT 0922 IPID personal commercial motor coach and bus insurance ERS PCV IPID TPO 0922 IPID personal commercial motor coach and bus insurance ERS PCV IPID FT 0922 Ipid commercial motor coach and bus insurance ERS PCV IPID TPO 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID ADTP 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID COMP 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID FT 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID TPFT 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID ADFT 1221 Ipid commercial motor coach and bus insurance ERS PCV IPID COMP 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID TPO 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID ADTP 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID TPFT 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID ADFT 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID FT 0619 Ipid commercial motor coach and bus insurance ERS PCV IPID TPFT 0321 Ipid commercial motor coach and bus insurance ERS PCV IPID COMP 0321 Ipid commercial motor coach and bus insurance ERS PCV IPID FT 0321 Ipid commercial motor coach and bus insurance ERS PCV IPID ADFT 0321 Ipid commercial motor coach and bus insurance ERS PCV IPID ADTP 0321

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

IPID personal commercial motor taxi insurance ERS Taxi IPID ADFT 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID ADTP 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID TPFT 0922 IPID personal commercial motor taxi insurance ERS Taxi IPID TPO 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 ADFT 0122 IPID commercial motor taxi insurance ERS Taxi IPID ADTP 0122 IPID commercial motor taxi insurance ERS Taxi IPID COMP 0122 IPID commercial motor taxi insurance ERS Taxi IPID FT 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 FT 1221 Ipid commercial motor taxi insurance ERS Taxi IPID TPFT 1221 Ipid commercial motor taxi insurance ERS Taxi IPID TPO 1221 Ipid commercial motor taxi insurance ERS Taxi IPID ADFT 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 ADTP 0321 Ipid commercial motor taxi insurance ERS Taxi IPID COMP 0321 Ipid commercial motor taxi insurance ERS Taxi IPID FT 0321 Ipid commercial motor taxi insurance ERS Taxi IPID TPFT 0321 Ipid commercial motor taxi insurance ERS Taxi IPID ADFT 0321

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

IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID ADTP 1122 IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID TPO 1122 IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID ADFT 1122 IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID FT 1122 IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID TPFT 1122 IPID personal agriculture motor farmers plan insurance ERS Farmers Plan IPID COMP 1122 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID TPFT 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID TPO 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID ADFT 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID ADTP 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID COMP 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID FT 1221 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID FT 0619 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID TPFT 0619 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID ADFT 0619 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID ADTP 0619 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID TPO 0619 Ipid agriculture motor farmers plan insurance ERS Farmers Plan IPID COMP 0619 Ipid agriculture motor farmers plan insurance TPO 0218 v1 Ipid agriculture motor farmers plan insurance TPO 0619 Ipid agriculture motor farmers plan insurance TPO 0718 v1 Ipid agriculture motor farmers plan insurance TPFT 0619 Ipid agriculture motor farmers plan insurance TPFT 0718 v1 Ipid agriculture motor farmers plan insurance FT 0218 v1 Ipid agriculture motor farmers plan insurance FT 0619 Ipid agriculture motor farmers plan insurance FT 0718 v1 Ipid agriculture motor farmers plan insurance TPFT 0218 v1 Ipid agriculture motor farmers plan insurance COMP 0218 v1 Ipid agriculture motor farmers plan insurance COMP 0619 Ipid agriculture motor farmers plan insurance COMP 0718 v1 Ipid agriculture motor farmers plan insurance ADTP 0218 v1 Ipid agriculture motor farmers plan insurance ADTP 0619 Ipid agriculture motor farmers plan insurance ADTP 0718 v1 Ipid agriculture motor farmers plan insurance ADFT 0718 v1 Ipid agriculture motor farmers plan insurance ADFT 0619 Ipid agriculture motor farmers plan insurance ADFT 0218 v1

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
Policies incepted from 1 December 2021
Policies incepted from 1 October 2020
Policies incepted from 1 June 2019
IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADTP 1122 IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPO 1122 IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADFT 1122 IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID FT 1122 IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPFT 1122 IPID personal agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID COMP 1122 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPO 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADFT 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADTP 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID COMP 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID FT 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPFT 1221 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID COMP 0619 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADFT 0619 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPO 0619 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID ADTP 0619 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID FT 0619 Ipid agriculture motor leisure and recreation insurance ERS Leisure Recreation IPID TPFT 0619

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
Policies incepted from 1 December 2021
Policies incepted from 1 October 2020
Policies incepted from 1 June 2019
Policies incepted from 1 May 2018

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 TPFT 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 FT 1122 ERS Fleet IPID TPFT 0922 ERS Fleet IPID TPO 0922 ERS Fleet IPID ADFT 0922 ERS Fleet IPID COMP 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 ADFT 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 FT 1221 Ipid motor fleet own goods and trades insurance ERS SDH IPID TPFT 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 ADFT 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 FT 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 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

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 TPO 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID ADFT 1122 IPID personal motor fleet passenger transportation insurance ERS Fleet IPID COMP 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 TPFT 0922 ERS Fleet IPID TPO 0922 ERS Fleet IPID ADFT 0922 ERS Fleet IPID COMP 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 ADFT 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID ADFT 1221 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 SDH IPID TPFT 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID TPO 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID ADFT 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID COMP 1221 Ipid motor fleet passenger transportation insurance ERS SDH IPID FT 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPFT 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPFT 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPO 0619 Ipid motor fleet passenger transportation insurance ERS Fleet IPID TPO 1221 Ipid motor fleet passenger transportation insurance ERS Fleet IPID FT 1221

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 TPFT 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 COMP 1122 IPID personal motor fleet goods for hire reward insurance ERS Fleet IPID FT 1122 ERS Fleet IPID TPO 0922 ERS Fleet IPID ADFT 0922 ERS Fleet IPID COMP 0922 ERS Fleet IPID FT 0922 ERS Fleet IPID TPFT 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 TPFT 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID TPO 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID TPFT 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 TPO 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID ADFT 1221 Ipid motor fleet goods for hire reward insurance ERS SDH IPID COMP 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 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 ADFT 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 COMP 1221 Ipid motor fleet goods for hire reward insurance ERS Fleet IPID ADFT 0619

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

For ERS to complete the assessments, we need you to provide updates on your remuneration. To help, we have set an acceptable remuneration thresholds for our products.

Commission

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

Fees

ERS 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 is possible and by no later than the end of July 2023 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 31st July 2023.

We're here to help

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

Contact us

Latest news