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FOR INTERMEDIARIES ONLY
Small to medium sized enterprises
Coronavirus (COVID-19) information
As the Government takes measures to exit lockdown, we continue to operate our current working from home model for our UK offices. The safety of our employees, customers and brokers whilst providing a high level of customer service remains our top priority. Please visit our information page for help and advice.
Access digitally traded propositions tailored to the insurance and risk needs of small to medium sized enterprises (SMEs).
Core products in our 'Complete' range
Packaged covers tailored and combined to suit the needs of small businesses. The following six products have had the Average clause removed.
Business
Insurance for a wide spectrum of trades, from manufacturing to warehousing and tailoring.
Office
Covers to suit a variety of office-based businesses, such as solicitors, graphic designers and doctors' surgeries.
Retailer
Suitable for most types of independently owned retail businesses, including restaurants, newsagents and butchers.
Contractor
For companies operating in a wide range of trades, from carpet fitters to builders, electricians to interior designers.
Property Owner
Caters for a mix of up to 20 commercial or residential premises, from a single buy-to-let property to a nationwide portfolio.
Flatowner
Ideal protection against damage and legal action for owners of blocks of flats with up to 20 premises.
Also available via QuoteSME:
Average Free Live
What we’ve done so far
In February 2016, we removed the Average clause from our core SME product range. This means policyholders who find themselves underinsured will have their claim met up to the full sums insured level – we will not reduce the claim by applying Average.
We’ve launched Average Free Live at point-of-quote. Using data sources to capture property dimensions, we can highlight if sums insured are out of line for a trade and area. Your journey through QuoteSME now includes a new page for risks that appear below these values.
How does this benefit you?
Over the past couple of years we’ve researched and developed a unique database that you and your customers will now be able to benefit from.
In our latest data initiative, we’ll share at point-of-quote when a case falls outside of the typical range for a risk in a given trade and area, prompting a conversation between you and your customers to ensure they have adequate cover improving service and expertise to your customers.
Why have we done this?
Following the FCA's Thematic Review, which revealed 40% of SMEs could be underinsured; we've taken this customer focused step of dealing with underinsurance to help provide peace-of-mind for you and your customers.
Calculating the correct 'sums insured'
We'll only pay up to the sums insured; so, to ensure that your customers are fully protected, use our guidance notes when you're doing the maths.
Contact the Small Business Team
Our Small Business Team can provide expert underwriting support, assistance with quotes, policies, mid-term adjustments and renewals, and information on our 'Complete' products and services.
They're available 9am-5pm, Mon to Fri. You can contact them via:
QuoteSME Support
Help Desk
For technical assistance and help with registering to QuoteSME, you can read the FAQs and watch our walkthrough videos.
If you're still stuck, get in touch with the Help Desk by:
Phone
The Help Desk is available 8am-6pm, Mon-Fri. Please note that this team is unable to offer any underwriting support.
Frequently asked questions
Click here to access the self-registration page.
To register you will need:
- Agency Number
- Postcode assigned to that agency
- Policy number against that agency
- Renewal date of that policy.
If you have any issues, please contact the QuoteSME Help Desk.
Access the login page and click 'Reset password' beneath the password field.
You'll then be asked for the email address you registered with. Once submitted, a temporary password will be emailed to you and you'll be asked to change it when you next log in.
One of our underwriters will contact you soon after a referral occurs. However, if you'd like assistance, please get in touch with our Small Business Team using the above contact details.
Don’t forget that, once logged in, you can also use our 'Live Chat' service!
Please get in touch with our Small Business Team using the above contact details. During working hours, you can use 'Live chat' to get help when logged in to QuoteSME.
When logged in, use the MTA search at the top of the screen to search for the policy you want to amend.
Select the 'Amend' button on either the 'Client Summary' or 'Policy Summary' page and then proceed to make the adjustments.
Simply log in to QuoteSME within 28 days of the renewal date and you'll be able to access the renewal transaction and its corresponding documents.
If you need to adjust any details, this can be done by clicking 'Amend'.
All documents are electronic and available on your quote/policy.
Simply log in and search for the quote/policy to find them. Documents can be downloaded or emailed to you.
Help Videos
QuoteSME walkthroughs
How to register:
How to use it:
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This promotional material is intended for insurance broker use only and no-one else should rely upon it.
It must not be made available to anyone other than the intended recipient, either in its original form or any reproduction.
It must not be made available to anyone other than the intended recipient, either in its original form or any reproduction.