Offer to buy RSA

You might have seen that an offer has been made by a consortium of two companies to buy RSA. This does not change the way you deal with us at the moment. All policies, claims and other interactions with us will continue the same as before.

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We have recently announced our decision to no longer offer new business quotes or renewal invitations for our commercial motor Van and Business Car products, with effect from 1st September 2020.  Any existing policies which renew prior to the 1st September 2020 will be placed into run off until they expire.

We have arranged with our Software House partners to decline new business quote requests with an effective date of 1st  September 2020 or after. This includes quotes with an assumed effective date prior to 1st September which later changes to 1st September or after (for example, a quote given on 15th August with an assumed effective date of 29th August, which later changes to 1st September). We will no longer honour the 30-day quote guarantee if the effective date of cover is on or after 1st September, so it is important to highlight this scenario to your customers when an assumed effective date of cover is given.

Proof of NCD will be issued for each expiring policy to you in order to find alternative cover. We will issue this around 30 days before the policy expiry date.  

If you currently hold more than one policy for the same customer (e.g. two Van policies), you may be able to move these to our E-trade Mini Fleet product when they expire. Mini Fleet can be traded via our RSA Online website, or an appropriate software house system, and will accept risks with up to six vehicles that are currently ‘NCD rated’.

If you can't find an answer to your issue, email us on etrading.team@uk.rsagroup.com.

System enquiries

  • If you need to process a mid-term amendment on a policy prior to renewal, you must contact RSA to make all alterations until the next renewal date. Please ensure you issue cover notes where required.

    In line with RSA's decision to no longer offer new business quotes or renewal invitations for our Van and Business Car products (effective 1st September 2020), all existing policies will be placed into run off until they expire.

  • Our policy wordings are available via https://www.rsainsurance.co.uk/commercial-insurance.

    If you require a supply of policy wordings, email us at etrading.team@uk.rsagroup.com.

Premium enquiries (MTA and cancellation)

  • Please proceed at the system generated premium. Our rates are updated and tested on a frequent basis so we are confident that they are correct.

  • We can provide cover for temporary additional vehicles and foreign use. Please refer to the rating tables provided.

  • When you process a cancellation, the system will calculate the correct pro-rata return premium.

  • Yes. When you process the cancellation on your system it will produce a pro-rata return premium.

  • If the policy cancellation or lapse date is in the past, please email us at etrading.team@uk.rsagroup.com.      

    Please remember that RSA have an obligation to update the Motor Insurance Database (MID) within 7 days of the transaction effective date.

Accounts

  • The direct debit surcharge is a fixed rate of 8%, which equates to an APR of 18.59%.

No claims discount

  • We will not accept proof of NCD if it is older than 2 years from the expiry date of the previous policy.

  • No, NCD earned outside the UK is unacceptable.

  • It can be added at the inception or renewal of the vehicle cover. Provided the following criteria is met:

    • All drivers must be aged 25 or over
    • The proposer must have 4 or more years earned NCD
    • No more than 1 'at fault' or 'NCD affected' claim, across all drivers, within the last 3 years
  • The Policyholder's No Claims Discount will remain at its current level, provided no more than two claims (either at fault or where no recovery was made, but excluding windscreens) have occurred in a 5-year period.

    After the second claim, the PNCD benefit no longer applies to the policy and so will be removed at the next renewal. If a third claim was to occur, the NCD would be stepped back by 2 years. The step back table is shown in the policy wording.

  • In line with RSA's decision to no longer offer renewal invitations for our Van and Business Car products (effective 1st September 2020), NCD proof for all existing policies will be issued around 30 days prior to the expiry date.

    If the policy has been cancelled mid-term, proof of NCD can be requested by email. Please email us at etrading.team@uk.rsagroup.com.

    Please include the policy number and vehicle registration number. Proof of NCD will be released as soon as the policy is showing as cancelled.

Occupations

  • Our products provide cover for use in connection with the Policyholder’s business. We do not provide cover for use in connection with anyone else’s business.

  • RSA are a signatory to the ABI Volunteer Drivers Commitment which covers the Policyholder to undertake voluntary driving under the social, domestic and pleasure class of use of their policy, provided the vehicle is not being used hire or reward.

  • No, this is not acceptable we cannot accept Dual Names or more than one occupation. 

Drivers

  • All drivers must be 19 or over however some vehicles may have a minimum age restriction. There is no maximum age limit.

  • We can provide a quotation for any driver over the age of 25 years. All drivers under 25 must be named on the policy. Some requests may be refused due to the vehicle to be insured.

  • Yes, EU licences are acceptable.  If the driving basis is ‘Any Driver’ all drivers with an EU Licence should be named on the policy.

  • No, Non EU/ International licences are unacceptable.

  • No, provisional licences are unacceptable.

  • No, If the condition has been notified to the DVLA and the DVLA have issued the driver with a licence then this is acceptable.

  • Maximum number of named drivers is 5. 

  • Yes.  If you are using CDL, OpenGi or SSP, you can process the temporary driver on your SWH. Otherwise, please call us on 0345 071 6040 or you can forward a cover note, instructing us to proceed, to etrading.team@uk.rsagroup.com.

    All drivers must be 19 or over, however some vehicles may have a minimum age restriction.  All drivers under 25 must be named on the policy. Some requests may be refused due to the vehicle to be insured.   

  • Yes, provided that the insured has given permission to drive the vehicle , they will only be entitled to SDP use if they are not an employee of the business.

  • No.  Credit scoring is an external rating factor which applies to EDI Van and Business Car quotes and automatically rates accordingly. Credit scoring is used in quotations and will indicate, and rate on, previous insolvencies, bankruptcies and CCJs. This means that we do not need to take any further rating or eligibility action if any of these are disclosed.

  • All drivers with motoring convictions must be named on the policy. If the conviction is eligible, they will be covered to drive.

Postcodes

  • The rating postcode is the one where the vehicle is kept overnight. Some Software Houses may refer to this as the ‘vehicle kept’ or ‘garaging postcode’.  The rate is generated from the full postcode.

Windscreen claims

Comprehensive policies cover damage to windscreens and windows subject to these excesses:

  • Windscreen Replacement - £90
  • Windscreen Repair - £0
  • No, these do not affect the vehicle’s NCD

Vehicle ownership

The owner and keeper must be A quotation will only be provided if the owner and keeper are in the list below:

  • Proposer/Policyholder
  • Civil Partner
  • Spouse
  • Contract Hire
  • Leasing Company
  • RSA will not provide cover for policies used by more than one separate business, and the policy must be in the name of one company.

Vehicles

  • General eligibility is for goods carrying vehicles, up to 3.5 tonnes gross weight. 

  • Yes, provided that the vehicle does not weigh more than 7.5 Tonnes.

  • Yes, so long as the total vehicle value includes this.

  • Yes. We can accept most fully electric and hybrid vehicles, however there are still a small number of these which are ineligible, for example TESLA vehicles and BMW I8’s – any ineligible vehicles will be declined by your Software House and as a result will not be acceptable to RSA.

  • No, this is not available.

  • No, although our standard policy includes legal liability to third parties whilst the insured vehicle is being used to tow a trailer. Liabilities arising out of a trailer being used as a tool are excluded, except as required by any relevant road traffic legislation.

  • No this is not provided.

  • We can quote for some modifications, provided the modification has been professionally made and the vehicle value has been altered accordingly (the cost of the modification must not exceed the value of the vehicle)

    Acceptable modifications include  

    • Alloy wheels
    • Addition or removal of windows
    • Tinted windows
    • Addition or removal of seats (provided the total number of seats including the driver does not exceed 6)    
    • Tow bar / tail lift
    • Parking Cameras / parking sensors / dash board cameras
    • Cosmetic changes, e.g. alloy wheels, body kits, spoilers
    • Internal / external racking
    • Internal shelving     
    • Signwriting
    • Wheelchair lift / ramp
    • Water tank 

    Unacceptable Modifications Include

    • Engine or performance enhancing modifications
    • Bull Bars / Crash Bars
    • Chassis changes
    • Braking changes
    • Conversions to the vehicle’s bodywork
    • Dual controls
    • Emergency services blue light
    • Right hand conversions
    • Cabriolet conversions 
    • Fuel conversions

    If the quotation is declined it means that the modification is unacceptable to RSA.

  • Yes. However, the Policy excludes cover whilst it is being used as a tool except as required by any relevant road traffic legislation.

  • No, RSA no longer offer Special Type policies.

  • RSA will consider category N (Non-Structurally damaged /Repairable vehicle which can be repaired and go back on the road) vehicles subject to the vehicle being roadworthy and having a valid MOT. Please contact RSA to discuss before committing to cover

    Our Policies carry a “Looking After Your Motor Vehicle” condition which states that the vehicle must be kept in a roadworthy condition, which will apply where a previously written off vehicle is legally back on the road.

Temporary additional vehicles

  • There should always be insurable interest present when Temporary Additional Vehicle (TAV) cover is required, typically where the vehicle is owned by a leasing/hire company that the customer has entered into an agreement with for the hire.

    Please note the maximum days of temporary cover cannot exceed 60 days and a car cannot replace a van and vice versa. Our rates are shown below.

  • If you are using CDL, OpenGi or SSP, you can process the temporary vehicle on your SWH. Otherwise, please call us on 0345 071 6040 or you can forward a cover note, instructing us to proceed, to etrading.team@uk.rsagroup.com.

  •  VAN

    Number of days for temporary vehicle cover ​ ​ ​ ​ ​

    Group

    Cover

    1-3

    4-7

    8-14

    15-21

    22-31

    32-60

    1-20 ​

    Comp

    35

    50

    65

    80

    95

    150

    TPFT

    35

    40

    55

    65

    75

    120

    21-24

    Comp

    50

    65

    80

    95

    110

    175

    TPFT

    40

    55

    65

    75

    90

    140

    Van groups 21-24 are for those with GVW over 3.5T. (21=up to 4.5T, 22=up to 5.5T, 23=up to 6.5T, 24=up to 7.5T).

    Number of days for temporary vehicle cover ​ ​ ​ ​ ​

    Cover

    1-3

    4-7

    8-14

    15-21

    22-31

    32-60

    Comp

    35

    50

    65

    85

    105

    165

    TPFT

    35

    40

    55

    70

    85

    135

    Comp

    50

    65

    85

    105

    130

    205

    TPFT

    40

    55

    70

    85

    105

    165

    Comp

    75

    100

    125

    150

    180

    275

    TPFT

    70

    85

    110

    130

    155

    240

    Comp

    105

    135

    165

    195

    235

    370

    TPFT

    90

    115

    150

    170

    200

    315

    Important Notes

    • The premiums above exclude Insurance Premium Tax.
    • RSA may allocate a vehicle grouping that differs from the ABI recommendation. Refer to RSA if unsure.
    • If temporary cover has already been granted and an extension is required, treat this as a new transaction. 
    • Car groups 27 and above - driving restrictions and/or minimum security requirements apply.
    • The rates are for up to and including the number days shown (e.g. 5 days cover gets the rate for 7 days.)
  • Yes. Process the change of vehicle on your SWH from the date the client is getting the new vehicle. We allow up to (and including) 3 days without charge for the old vehicle to be sold. Issue a cover note for the replaced vehicle and send it, including the policy number, to etrading.team@uk.rsagroup.com.

    If cover for the replaced vehicle is required over 3 days that should be treated as a temporary additional vehicle and charged appropriately per the rates above. The maximum temporary period is 60 days.

Foreign use extensions

If the insured intends to drive in any EU country, Norway, Iceland, Switzerland, Liechtenstein, Serbia or Andorra you will need to call us at least three weeks before their departure to make sure they get their Green Card on time. please contact RSA on 0345 071 6040.  

The Republic of Ireland is included within the territorial limits of the policy and so a foreign use extension is not required.

  • Policy cover is provided at the same level as in the UK, if the vehicle is being driven in any of the countries listed below. 

    Andorra

    Austria

    Belgium

    Bulgaria

    Croatia

    Cyprus

    Czech Republic

    Denmark

    Estonia

    Finland

    France

    Germany

    Greece

    Hungary

    Iceland

    Italy

    Latvia

    Liechtenstein

    Lithuania

    Luxembourg

    Malta

    Netherlands

    Norway

    Poland

    Portugal

    Romania

    Serbia (*Van only) 

    Slovak

    Slovenia

    Spain

    Sweden

    Switzerland 

  • Policy cover is provided at the same level as in the UK, if the vehicle is being driven in any of the countries listed above. RSA no longer charge for Foreign Use Cover except for countries not listed.

    Please provide the following information:If you wish to add a foreign use extension, please e-mail us at etrading.team@uk.rsagroup.com.

    • The Policyholder's Name and Policy Number
    • The Registration Number of the Vehicle
    • The dates that cover should begin and end
    • The countries that the vehicle will require cover in

Tools in transit

  • Cover applies at any time. Some customers may find it inconvenient to remove their tools daily and may not have anywhere else to store them. More importantly, some customers regularly work at night and expect the same cover to apply as it does during the day. 

Claims