SECTION ONE - RSA Broker

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EDI FAQ
WELCOME
The following Quick Hits have been compiled to provide you with the
information required to get set up to trade via EDI and help with some general
queries you might have.
To find out how to get activated for RSA click here
IMPORTANT – Always input the Business postcode in the overnight postcode
field for Commercial EDI quotes
What Query do you have?
Get Started
Covers
Vehicle Eligibility
Driver Eligibility
Temporary Vehicles
Foreign Use
Renewals/ Rebroke
MTA/ Cancellations
Accounts
No Claims Bonus
Policy Transfers/
Booklets
Vehicle Eligibility
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Getting Started
For all SWH except Open Gi you need to contact RSA:
by emailing– [email protected] to request set up.
Please provide the following info:
•Sending
Company ID
•Mailbox
No
•Agency
No
•Your
contact details
•SWH
•Activation
2
Date
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Getting Started - OpenGi
OpenGi users can activate themselves by following the below:
VAN ACTIVATION
•Press
•Then
Escape 0 from any main menu to get to the menu of menus
select the TruckWriter POS menu
•Select
•Enter
the option Amend Insurer Agency Details
the relevant scheme code of RSAF
•Press
the F2 key to update the details and enter your R&SA UKRIS Agency Number in
the Agency number, Covernote Prefix and Certificate Prefix fields
•Then
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press return to save the details
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Getting Started
BUSINESS CAR ACTIVATION
•Press
•Then
Escape 0 from any main menu to get to the menu of menus
select the Brokerlink Control Maintenance menu
•Select
•Enter
the option Amend Insurer Agency Details
the relevant scheme code of RSBC
•Press
the F2 key to update the details and enter your R&SA UKRIS Agency Number in
the Agency number, Covernote Prefix and Certificate Prefix fields
•Then
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press return to save the details
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Getting Started
My invited renewal premium on my manual policy is cheaper then the EDI new
Business premium, can I match the lower premium?
We are happy for you to override the EDI generated premium with the manually
invited renewal premium if they are on a like for like basis.
To match the invited renewal premium, please override the EDI premium with
the invited renewal premium using the unique override code ‘AgreeRnl’ - there
is no need to ring us.
e.g. invited renewal premium is £400, EDI quote is £450, you override the EDI
premium to £400 and use the override code 'AgreeRnl'.
If you are an OpenGi user and require a verification code, please contact our Etrading team and one will be provided for you.
For Policyfast users, you will need to call Policyfast on 0800 308 1137 to arrange for
them to perform this task for you.
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Driver Eligibility
What are the age limits on any Driver Policies?
All drivers must be over 25 unless named specifically on the quote.
The upper age limit is 74 years of age. All drivers aged over 74 are unacceptable.
What are the age limits on EDI?
All drivers must be 19 or over as 17 and 18 year old drivers are unacceptable on EDI.
The upper age limit is 74 years of age. All drivers aged over 74 are unacceptable.
I have a driver with an international/ provisional driving license, can I place this on
EDI?
No, international/ provisional licenses are unacceptable.
The Policyholder or a driver has been banned from driving in the past 5 years, is
this eligible?
No, this business is declined.
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Covers
What’s not covered via EDI?
EDI cannot process cover for:
- Breakdown
- Multiple Vehicles – see 'How do I transact Multi-Vehicle policies via EDI?'
-Trailers
Is Trailer cover applicable on EDI policies?
No, however, our standard Policy cover includes the Insured's 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.
Is “Driving Other Cars” extension applicable on EDI policies?
No
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MTA/ Cancellations
I am processing a policy amendment mid-term but the system generated change
in premium seems incorrect. Can I go ahead and process?
Generally when you process any amendment on your system it should calculate any
change in premium correctly. If the system generated change in premium seems
incorrect please call us before processing so we can confirm okay to go ahead.
I am cancelling the policy however the system generated return premium seems
incorrect. Can I go ahead and process?
Generally when you process a cancellation on your system it should calculate a correct
pro-rata return premium. If the system generated return premium seems incorrect
please call us before processing so we can confirm okay to go ahead.
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MTA/ Cancellations
Do we allow Return Premiums when cancelling a Policy mid term if there has been
a claim?
Yes, When you process the cancellation on your system it will produce a pro-rata return
premium.
We have changed our EDI Software House system and can no longer process any
mid-term policy amendments. Do we need to inform you?
Yes, we will need to be provided with details of which SWH you are changing from and
to and also the date the system was changed. Any existing policies will be treated as
manual until the next renewal so you must call us for any future changes to be
teleprocessed. At renewal you would need to rebroke onto your new system as new
business.
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Vehicle Eligibility
Do we accept Tippers at standard terms?
Yes, so long as the total vehicle value includes this.
Do we accept refrigerated vehicles at standard terms?
Yes, so long as the total vehicle value includes this.
Policyholder's vehicle is fitted with alloy wheels is this acceptable at normal
terms?
Yes, as long as this has been included in the vehicle value.
Policyholder's Van has been modified to have an extra window fitted, is this OK?
Yes, as long as you retain proof it has been professionally fitted.
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Vehicle Eligibility
Policyholder's vehicle has been modified to have extra seats added, is this OK?
Yes, as long as you retain proof that they have been professionally fitted & the total
number of seats (including the drivers) does not exceed 6.
Policyholder’s vehicle is also used, as a Tool, e.g. Water Tank/Cherry Picker, Is
this ok on EDI?
Yes. However, the Statement Of Fact excludes cover whilst it is being used as a tool.
How do I insure a Van up to the new 7.5 tonne weight limit? - Open GI and CDL
RSA Van - Scheme Code RA, Policy type GV
Vehicles above 3.5 tonnes can be accessed via the OpenGI and CDL 'YY' vehicle codes
(also known as 'Dump' Codes) and be included in the standard RSA Van product.
For SSP users please see next slide.
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Vehicle Eligibility - SSP Users
How do I insure a Van up to the new 7.5 tonne weight limit? - SSP Users
RSA Van FC - Product Code RSC0
Vehicles above 3.5 tonnes can be accessed by entering the vehicle description as free
format text, via the appropriate ABI Dump code from the list below, and completing the
Gross vehicle weight field on the CVI screen.
The ABI Dump Codes can be accessed by entering 'Ins' in the manufacturer field and
pressing enter, this will then show 'Insurance Groups'. By moving to the 'Model' field you
can use the drop down list to choose from;
ABI DUMP CODE CV GROUP 021 = Vans over 3.5 tonnes to 4.5 tonnes
ABI DUMP CODE CV GROUP 022 = Vans over 4.5 tonnes to 5.5 tonnes
ABI DUMP CODE CV GROUP 023 = Vans over 5.5 tonnes to 6.5 tonnes
ABI DUMP CODE CV GROUP 024 = Vans over 6.5 tonnes to 7.5 tonnes
once selected you can then enter the true vehicle details as free format text.
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Accounts
Direct debit surcharge for RSA Business Car, RSA Truck and RSA Van
From 1st August 2011, RSA will introduce a direct debit surcharge for RSA
Business Car, RSA Truck and RSA Van. This will be a fixed rate of 8%, which
equates to an APR of 18.59%
I have set up a new RSA EDI policy to replace an existing manual policy, which
was paid on your Direct Debit scheme. Can you transfer the DD details over to the
new policy?
Yes, It is important that you advise us if you are replacing an existing policy that it
currently on our direct debit scheme. Simply advise us by email to
[email protected] and we will then ensure the existing policy is cancelled
and all debits are ceased and if required transfer over the DD details to the new policy.
What will happen to the direct debits once my policy lapses or is cancelled?
Once the policy has expired or is cancelled the direct debits will automatically stop and
the client will receive any return premium due.
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Temporary Vehicles
Can I add a temporary additional vehicle to this policy?
Yes, this will generally be acceptable i.e. the clients main vehicle going in for
repair/servicing and the garage provide a courtesy vehicle. Please note the maximum
days of temporary cover cannot exceed 60 days and a Car cannot replace a Van and
vice versa.
Unless you are using the OpenGi SWH all other SWH system users will need to contact
us for a quote. We would need to know the following information:
•Who
is the owner of the vehicle?
•Dates
•Full
of cover
Click for
Temporary Premiums
Make and Model details, Engine Size
•Vehicle
Registration, Year of Make
•Vehicle
Value
•Is
the vehicle modified to increase top speed, performance or acceleration?
•Is
the vehicle fitted with any additional security devices?
•Who
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will drive the vehicle? i.e. if same driving restriction as main vehicle.
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Temporary Vehicles
The premiums above exclude Insurance Premium Tax.
Please see important notes.
15
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Important Notes
The premiums above exclude Insurance Premium Tax.
For OpenGi users the TAV rates above are being implemented for Vans from the 15th
September 2011 and for Business Car from the 20th October 2011 however it can take
up to 4 weeks for all OpenGI brokers to receive the new rates.
RSA may allocate a vehicle grouping that differs from the ABI recommendation. Please
feel free to call us to check TAV vehicle grouping if unsure.
If temporary cover has already been granted and an extension is required, this is treated
as a new transaction.
The rates above are based on any number days up to and including those shown (e.g. 5
days cover gets the rate for 7 days.)
Van groups 21 to 24 represent vehicles with a gross weight of over 3.5 tonnes.
Car groups 27 and above - driving restrictions and/or minimum security requirements
apply.
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Temporary Vehicles
The client has bought a new vehicle but requires temporary cover for the existing
vehicle. Can you hold cover for both vehicles?
Yes, you should process the change/substitution to the new vehicle on your SWH from
the date of change the client is getting the new vehicle. We allow up to (and including) 3
days from the date of change without charge for the old vehicle to be sold. After these 3
days a TAV charge will apply.
You would need to issue a covernote for the replaced vehicle and call us on the date of
issue and provide us with the covernote number so we can get processed. Please note
we can only process this once the amendment for the change of vehicle has come
through which can take 3 days to fall through to us hence why you are asked to issue a
covernote.
If cover for the replaced vehicle is required over 3 days we would treat as a normal
temporary additional vehicle and charge appropriately. We will need to be provided with
the dates of cover required - maximum temporary period is 60 days.
Please refer to section ‘TAV Pricelist” for charges.
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Foreign Use
Business Car
For Business Car policies, cover is automatically provided at the same level as enjoyed
in the UK if your customer is taking their vehicle to one of the countries listed below:
Austria, Belgium , Bulgaria, Cyprus , Czech Republic ,Denmark ,Estonia ,Finland,
France, Germany ,Greece ,Hungary ,Ireland ,Italy ,Latvia ,Lithuania ,Luxembourg
,Malta, Netherlands ,Poland ,Portugal ,Romania ,Slovakia ,Slovenia ,Spain
,Sweden, United Kingdom
If cover is required in any other countries or if the trip exceeds 180 days, please call RSA
on 0845 300 4005.
A Green Card should not be required in any of these countries but should one be
requested please call RSA on 0845 300 4005.
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Foreign Use
Van
For Van policies, the minimum legal requirement is automatically provided if your
customer is taking their vehicle to one of the countries listed below:
Austria, Belgium , Bulgaria, Cyprus , Czech Republic ,Denmark ,Estonia ,Finland,
France, Germany ,Greece ,Hungary ,Ireland ,Italy ,Latvia ,Lithuania ,Luxembourg,
Malta ,Netherlands ,Poland ,Portugal ,Romania ,Slovakia ,Slovenia,
Spain,Sweden,United Kingdom
Optional extensions can be provided to increase cover to the same level as enjoyed in
the UK with charges based on the length of the trip. If cover is required in any other
countries or if the trip exceeds 180 days, please call RSA on 0845 300 4005.
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Foreign Use
Vans
No charge is made for minimum cover in Zones 1 and 2 (as this is provided as
standard).
A charge is made for full cover in Zones 1 and 2. See below
No charge is made for minimum cover in Zone 3 (although a Green card is
required - see below for guidance on completing a Green Card)
A charge is made for full cover in Zone 3 (Green card required). See below
No cover is available in Zone 4
The premiums below exclude Insurance Premium Tax
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Number of Days From
Zone 1
Zone 2
Zone 3
Zone 4
1 to 15
35
35
35
U/A
16 to 31
50
50
75
U/A
32 to 60
80
80
120
U/A
61 to 90
120
120
180
U/A
91+
300
300
450
U/A
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Foreign Use
Business Car
The policy automatically provides full cover in Zones 1 and 2.
No charge is made for minimum cover in Zone 3 (although a Green card is
required - see below for guidance on completing a Green Card)
A charge is made for full cover in Zone 3 (a Green card is required). See below
No cover is available in Zone 4
The premiums below exclude Insurance Premium Tax
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Number of Days From
Zone 1
Zone 2
Zone 3
Zone 4
1 to 8
0
0
30
U/A
9 to 15
0
0
45
U/A
16 to 31
0
0
75
U/A
32 to 60
0
0
120
U/A
61 to 90
0
0
180
U/A
91+
0
0
450
U/A
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Policy Booklets
Where do I order Policy Wordings/Summaries and can these be viewed online?
Please copy and paste the below into a new email document, over key all the sections in
bold and send to: [email protected] with "Document Request" as the
subject:
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Brokerage Name
*Name*
F.A.O
*Name*
Delivery Address Line 1
*Address Line 1*
Delivery Address Line 2
*Address Line 2*
Delivery Address Line 3
*Address Line 3*
Delivery Postcode
*Delivery Postcode*
UKC02280
VAN POLICY WORDING
*Quantity*
UKC02276
CAR POLICY WORDING
*Quantity*
UKC02212
VAN POLICY SUMMARY
*Quantity*
UKC03020B
CAR POLICY SUMMARY
*Quantity*
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Renewal/
Rebroke
It is imperative that all EDI policies are accepted prior to the renewal date.
Any policies will have to be rebroked as new business if the renewal is not
accepted in time.
Please note that we are unable to match the expiry renewal premium for any
rebroked policies and current new business rates will apply.
I have processed a policy amendment after the invited renewal quote has been
received. Should I call you for a revised renewal premium?
No, Once the invited renewal quote has been released by us generally 35 days before
the renewal date we are unable to amend it. If you have processed a policy amendment
post renewal quote being received you would need to amend the renewal quote if your
SWH allows this or accept the renewal quote and process an amendment from the
renewal date. The other option available is to rebroke the policy from renewal.
The Policy renewal was not accepted by me in time, what should I do?
The Policy will have to be re-issued as New Business on your SWH immediately as
cover cannot be backdated. Unfortunately we cannot take responsibility for the renewal
not being accepted, therefore, we can only offer the new business premium.
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Policy Transfer
The policy holder has agreed to transfer their RSA Business Car/Van EDI policy
held under a different brokerage to my agency mid term. What do I need to do to
get the policy transferred to my agency?
You will need to get the client to complete a letter of appointment letter instructing us to
transfer the policy to your agency. This will need to be dated and signed by the policy
holder. Please email us the letter of appointment to [email protected]
with your commercial agency number and once received we will transfer the policy to
your agency.
Please note that the policy will then be manual handling from the date of agency
transfer meaning all future amendments will need to be teleprocessed. At renewal
you would be expected to rekey the policy on to your own SWH system and go
ahead with the new business premium if client wishes to remain with us. If the
transfer of agency is close to the renewal of the policy please be aware that we
cannot offer the renewal terms that were offered to the previous broker.
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No Claims Discount
How do I request Proof of No Claims Discount (NCD) for a policy which has been
cancelled mid-term?
You can request Proof of NCD by emailing your request to
[email protected] For requests by email the Proof of NCD will normally
be issued by us within 7 working days of the request being received. Alternatively, if all
you require is verbal confirmation then please call on 0845 300 4005.
Can I transfer the bonus from the policyholders name to the company name?
Yes, this can be done however you should make your client aware that if they transfer
the bonus into the name of the company then it is only this company name the proof of
bonus will be issued under.
How can I add PNCD to a policy?
This can only be done at inception or the renewal date. If you are looking to quote from
renewal you must do an MTA from renewal date to add protection. If you need terms
before the renewal date then you can advise the client the protection will put a 15 % load
on the policy.
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No Claims Discount
Can my Policyholder have Introductory NCD?
Yes, if they are eligible this is built into the quote system & will be applied automatically.
You should not apply a manual discount.
The criteria for eligibility is: Driving is restricted to Named Drivers over 25.
All drivers must have held a full UK or EU licence for at least one year
The Policyholder must be free of claims, accidents or losses in the last 3 years. This
includes claims where the vehicle was driven by someone else on the Policyholder's
policy (e.g. an employee).
All drivers must be free of convictions, (including pending convictions), in the last five
years other than 1 Category A
If applied by your SWH this should be detailed in your premium breakdown.
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No Claims Discount
Can we have Protected NCD on an “Any Driver” policy?
No, Our Protected NCD criteria is as follows: -
Driving is restricted to Named Drivers over 25
The Policyholder must have 4 or more years NCD
The Policyholder must have had no claims (either at fault or where no recovery was
made but excluding windscreens) in the past 3 years. This includes claims where the
vehicle was driven by someone else on the Policyholder's policy (e.g. an employee).
The request is made at inception or renewal of vehicle cover (mid-term requests
will be refused).
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