eTrade

What do I do if I come across a technical issue?

Please contact technical support at technicalhelpdesk@ers.com. The team are available Monday to Friday 8AM-6PM.

Where will I receive my policy documentation?

Documents are sent to the email address we have on file for your agency

How will I be informed if there is a technical issue with the application?

If a technical issue arises, we will inform you of this with a message online

How long will it take for a referral to be processed?

All referrals going through online trading will be prioritised and we will get back to you as soon as possible. If this is urgent, please contact the relevant Underwriting team directly

Who do I speak to regarding underwriting enquiries?

For Minibus, Transportation, Courier and SCV: Underwriting Call: 0345 600 2280 Email: commercialquotes@ers.com

For Horsebox: Underwriting Call: 0345 600 2284 Email: agriculturequotes@ers.com

  • Transportation on eTrade

    What if I don’t have the Vehicle Registration Mark (VRM) when inputting a risk for a transportation quote?

    You can enter TBC1 and still receive a quote

    Will you accept ‘Any driver’ on single vehicle risks?

    No, Single vehicle risks are acceptable on a named driver basis only

    Can Couriers be quoted on this scheme?

    No, Couriers must be quoted via our Courier product which is available on eTrade for all ERS Agency Brokers

    The client has another HGV insured elsewhere, will you provide terms?

    No, we don’t cover split risks & will decline risks of this nature

    The client uses Agency drivers, is this acceptable?

    No, risks requiring the services of Agency drivers will be declined

    The client has another occupation, will you consider this?

    We will look at dual occupations risks on a case by case basis & rate on its own individual merits. These will need to be referred into the ERS underwriting team & failure to do so will invalidate terms.

    Are you able to offer terms for vehicles weighing 3.5 tonnes?

    We will consider offering terms for Hire & Reward but will ask additional questions to determine whether the risk fits under Transportation or Courier & will advise accordingly.

    Vehicles under 4 tonnes for ‘Own goods use’ are not suitable & will need to be quoted on our Retail product via your software house.

  • Specialist Commercial Vehicle (SCV) on eTrade

    I have a show vehicle, what product should this be quoted on?

    Only genuine show vehicles for SDP will be quoted under our SCV product under ‘Special Types – Commercial’ – Hazard level ‘Non-business use’. If it’s not a show vehicle, then head over to our Transportation product for a quote

    I have a Catering risk that isn’t rating, why is this?

    When quoting for a Catering vehicle, a ‘modification’ needs to be selected. This should be input as Catering: Street Food

    What ‘use’ do I need to select?

    Generally, the SCV product should be ‘Proposers Business’ or ‘Carriage of own Goods’.

    If Hire & Reward is selected it’s possible the risk belongs on the Transportation or Courier product. For clarification please call the Underwriting team on 0345 600 2280

    I have input the client’s occupation as ‘Mobile Caterer’, can I select the clients Business as ‘Other’ No, this will need to be specified, for example, ‘Mobile Food’ this will help us accurately price the risk.

    What overnight parking location should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘At home’ please specify, ‘Kept on Public Road’ ‘Parked on Drive’ ‘Locked Compound’ etc.

    What Radius of operation should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘None’ please use an option in the drop down, for example ‘Greater than or equal to 100 miles UK’

    How should I input the Gross Vehicle Weight?

    Gross Vehicle Weight should be entered in kilos, for example a 3.5 tonne vehicle should be keyed in as 3500

    What Vehicle Body Type should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘Unknown’ please use a selection from the drop-down box, if unsure please call the Underwriting team on 0345 600 2280 for clarification

    I’m unsure of the Hazard level, should I select ‘Other’?

    No, if unsure please call the Underwriting team on 0345 600 2280 or use the table below for reference. The ‘Product Type’ & ‘Hazard level’ should match in order to rate. For example, a Catering product type, must have a Catering Hazard level.


    Risk Appetite/Vehicle Use

    Description

    Catering

    Mobile catering vehicles, including burger vans, ice cream, sandwich and snacks, street food etc. Typically, they will be converted 3.5 ton vans, but would extend to converted HGVs.

    M.E.R.E.E.

    (Marketing, Exhibition, Retail, Entertainment & Education)

    Vehicles that have been specially modified to exhibit goods and services or provide hospitality. Adapted HGVs, buses, coaches and play buses would fall into this segment.

    Emergency & Rescue

    Private ambulances and emergency cars used mainly for patient transfer including risks with occasional blue light as required.

    Driving Tuition

    Vehicles that are used to train people in order to obtain further classifications on their license. This will not be for a normal private car license, but tuition for car plus trailer or minibus, coach and HGV.

    Special Types

    This includes road registered specialist vehicles generally used as a tool such as fork lift trucks, cherry pickers, mobile cranes.

    Specialist Loads

    This segment will cover vehicles being used where the proposers business is a hazardous occupation. This includes companies who are pyrotechnic specialists and work in association with the film/firework industry and companies who specialise in the removal of hazardous materials such as asbestos. This will not cover the carriage of hazardous goods for hire and reward (which can be considered under our Transportation product).

    Non-Registered Special Types

    Same vehicle categories as special types but are not road registered. Typically fork-lift trucks used exclusively in goods yards etc.


    Hazard Level
    Use 1 2 3 4 5
    Catering No electrics Refrigeration Oven/boiler Deep fat fryer Naked flame
    M.E.R.E.E (Marketing, Exhibition, Retail, Entertainment & Education) Static (>80%) e.g. Stationary Advertising vehicles Hatch On board retail On board service Passenger carrying
    Emergency & Rescue On-site service Support vehicle Green light Off road Rapid response – blue light
    Tuition Non-public paved road Less than 7.5T Tonne GVW More than 7.5 Tonne GVW & trailer More than 7.5 Tonne GVW Off road
    Special Types Non business use Internal plant (Less than 80% of the time) On board display External plant Safety vehicles
    Specialist Loads Hazardous material Passenger carrying Relating to water (Amphibious vehicles) Long vehicles High vehicles
    Non-Registered Vehicles No height & internal use only Internal use only Inc. external use – no height Inc. external use External use only



    Should I use my MBI agency number?

    No, this agency number is for Motor Breakdown business only.

    The client has another occupation, will you consider this?

    We will look at dual occupations risks on a case by case basis & rate on its own individual merits. These will need to be referred in to the team, failure to do so will invalidate terms.

    The client has another Vehicle used for the same purposes insured elsewhere, will you provide terms?

    No, we don’t cover split risks and will decline risks of this nature.

  • Courier on eTrade

    Should I use my MBI agency number?

    No, this agency number is for Motor Breakdown business only

    Can you offer terms for fast food delivery?

    No, this scheme is for couriers only and wouldn’t extend to fast food delivery.

    What occupation should I use?

    Our Courier product is for Courier & Newspaper wholesalers only.

    For Couriers, please use Occupation: Courier – Business: Courier Services

    For Newspaper wholesalers please use Occupation: Wholesale Newspaper Delivery Driver Business: Newspaper Wholesaler

    What overnight parking location should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘At home’ please specify, ‘Kept on Public Road’ ‘Parked on Drive’ etc.

    What Radius of operation should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘None’ please use an option in the drop down, for example ‘Less than 100 miles UK’

    How should I input the Gross Vehicle Weight?

    Gross Vehicle Weight should be entered in kilos, for example a 3.5-tonne vehicle should be keyed in as 3500

    What use should I select, Is Non-Standard Use suitable?

    No, the use on this scheme should be Carriage of Goods for Hire and Reward only.

    What vehicle Chassis & Body type should I select?

    This is something the client will need to provide but the more specific the better. Instead of ‘Unknown’ please use ‘Van’ if unsure please call the Underwriting team on 0345 600 2280 for clarification.

    Will you accept ‘Any driver’ on single vehicle risks?

    No, Single vehicle risks are acceptable on a named driver basis only.

    The client has another Van for Courier use insured elsewhere, will you provide terms?

    No, we don’t cover split risks and will decline risks of this nature.

    The client uses Agency drivers, is this acceptable?

    No, risks requiring the services of Agency drivers are unacceptable & will be declined.

    The client has another occupation, will you consider this?

    We will look at dual occupations risks on a case by case basis & rate on its own individual merits. These will need to be referred & failure to do so will invalidate terms.

    Can you offer terms for Private cars?

    No, this scheme is for Commercial vehicles only.

  • Minibus on eTrade
  • Horsebox on eTrade

    What do I put for Horsebox vehicle details when the registration number is not pulling through any or only some information?

    Due to the nature of the Horsebox product, there often isn’t all the information on file about your clients vehicle.

    Horsebox manufacturers purchase a chassis and running gear from a manufacturer before the definitive model is known. The manufacturer then builds the horsebox and registers the vehicle with DVLA sometimes using the manufacturer but then their own model type e.g. Peugeot Equi-Trek.

    This means that only some or no information will be on file against the registration number. We suggest you pick the make and model that most closely resembles the original donor vehicle.

    The Gross Vehicle weight and value are the most important factors so please confirm these with your client.

    Updated use of vehicle for Horsebox

    We have changed some of our terminology for the ‘Use of Vehicle’ section:


    Business Use

    eTrade Use

    Leisure Use

    Social, Domestic And Pleasure

    or Commuting

    Unpaid Professionals

    Personal Business Use

    Working Yard

    Carriage Of Own Goods

    Horse Racing

    Carriage Of Goods For Hire And Reward