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Issue 01 August 2012

ExpressNews northern ireland’s

northern ireland

The Newsletter for Commercial Express Northern Ireland Agents


Dedicated solely for our Northern Ireland agents this newsletter is designed to keep you informed about the latest product news and developments at Commercial Express.

to the first edition of

Express News – Northern Ireland


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Cover in an Instant


Rate Reduction to our Liability premiums* Commercial Express are delighted to announce that our liability insurer, Inter Hannover, have agreed to reduce the liability premiums by 25%. The premium reduction is in respect of CX Liability (Per Capita), CX Liability (Wages & Turnover), all SME products (except CX Public House), CX Outside Caterers, CX Cleaning Contractors, CX Land Liability and CX Flooring Contractors. * Excluding CX Public House

Up to 25% work away in ROI now available


We are delighted to announce that manual work in the Republic of Ireland is now acceptable under CX Liability, CX Outside Caterers, CX Cleaning Contractors and CX Flooring Contractors. Inter Hannover have agreed at no additional charge that the limit of manual work in Republic of Ireland can be extended to 25% of the annual Turnover. Policyholders that conduct a small percentage of their business activities in the Republic of Ireland can now benefit from this latest improvement.


New CX Liability with improved rates, size discounts and new trades now available. CX Liability and Tools has been repackaged into 2 separate schemes, CX Liability (Per Capita) and CX Liability (Wages and Turnover). Both schemes provide a generous range of discounts and comprehensive cover to suit the needs and size of your clients contractors business.

Liability (Per Capita)

NEW CX Liability (Per Capita) CX Liability (Per Capita) facility caters for over 300 general contractors, tradesman and professionals and is available to a maximum of 10 persons. Liability

(Wages & Turnover)

From the little fish to the bigger fish, CX Liability offers your clients the right level of protection for their business needs

NEW CX Liability (Wages & Turnover) CX Liability (Wages and Turnover) facility provides the policyholder with a fully flexible policy which has no restriction on the size of the business or how many employees are employed

Package & SME

New fast, online quotes With immediate effect agents in Northern Ireland will no longer need to wait for their package quotes to be referred. Improvements have been made to CX Public House, CX Fast Food & Restaurant, CX Guest House & Hotel, CX Shop, CX Wholesale, CX Dry Cleaners and CX Office resulting in instant online quotations.

Introducing your Northern Ireland Business Development Manager We know that having dedicated support from your chosen account provider is a key component for building and developing your business relationships. With this in mind we have strengthened our team by recently appointing Phil Lackie as our first Business Development Manager for Northern Ireland.

Phil brings a wealth of experience with over 10 years working within a broker and insurer environment. With his market knowledge and expertise in commercial insurance he will be available to support and guide you on the key benefits of our 27 schemes.

“I’ve really enjoyed my time so far in Northern Ireland having the opportunity to meet with our existing agents, understanding more about their needs and how Commercial Express can help support their business activity. Already following feedback from agents we’re seeing improvements to underwriting criteria with the introduction of the 25% work away acceptance and the recent rate reductions across all our Liability products. Over the forthcoming weeks I’m looking forward to meeting more agents, discussing what opportunities are available and see where possible, we can improve our facility further. Whatever the size of business, CX Liability provides your clients with a flexible policy tailored to their individual business requirements. For comprehensive information on our recent product developments visit for full details and downloadable product guides.

We are really developing a presence in Northern Ireland and I look forward to working with new members and expanding our service.” - Phil Lackie

This appointment will enhance our already strong offering in Northern Ireland enabling us to focus on delivering outstanding support to you and your business.

To arrange an appointment to discuss how Commercial Express can help develop your business please contact Phil on 07901 040 402 or email:

Why Commercial Express? •

24/7 online trading at

Access to a wide portfolio of 27 exclusive schemes

Competitive premiums

Outstanding service levels (maximum 60 minute turnaround for referrals)

Dedicated Business Development Manager

Experienced in-house underwriters

No contract or minimum volume commitment

When looking for a provider of choice, we understand that you need to be confident on the delivery of products, service and commitment. Download our brochure online for full information across our 27 schemes. Alternatively contact our Agency Support Team at and we’ll be happy to send you some copies.

Dedicated Support Team We are committed to providing you with excellent customer service that is focused on your agency needs. Alongside Phil, we have a dedicated Broker Support Team who are always on hand to assist you with any queries about your clients’ accounts, our service and products. To contact the team directly call

0845 094 2077 Mon-Fri 9am-5pm

or email


The Newsletter for Commercial Express Northern Ireland Agents

New Product Developments

It’s been an exciting few months at Commercial Express with the launch of CX Commercial Combined and improvements across 2 of our leading schemes, CX Let and CX Liability.

Commercial Combined

The missing piece of the jigsaw

NEW CX Commercial Combined A policy designed to meet the needs of Manufacturing, Wholesaling, Engineering and Processing trades Our latest product to launch, provides agents access to a broad policy offering for more complex risks that do not fit within our ‘package’ range.

Complimenting our existing portfolio of products the new facility benefits from: • Quick & easy online trading • Competitive premiums from £500 • Wide selection of trades • Work away cover for selected trades • Adjustable limits of cover CX Commercial Combined has been well received in Northern Ireland with one agent quoting: “Thanks to Commercial Express we are able to offer our customers a competitive alternative compared with the multi-national insurer’s offerings, which doesn’t sacrifice policy cover over premium cost.

We have a dedicated team solely looking after CX Commercial Combined who can help talk through your enquiry, making sure that we are working together to deliver the right cover at the right price.

For all your Commercial Combined enquiries call David Donohoe directly on 0845 094 2076 or email

With friendly underwriters that are able to service out client’s requirements in an efficient and knowledgeable manner, I would highly recommend Commercial Express to the market as a tool to secure business.”


The Newsletter for Commercial Express Northern Ireland Agents


CX Let - New Panel Arrangement GREATER choice BETTER pricing

CX Let has recently re-launched with a new panel arrangement of insurers. Alongside Lloyd’s, Inter Hannover has joined the CX panel of insurers offering agents greater choice, better pricing and improved cover. With the reduced excess on Escape of Water and Alternative Accommodation the new CX Let panel arrangement is already proving a huge success in Northern Ireland.

IMPROVED cover hannover

Insurer Cover Comparison Escape of Water Excess

Alternative Accommodation cover included Buildings cover:- Accidental Damage automatically included for professionals, students and DSS Non Referrals







Option to extend Property Owners’ Liability to £5,000,000


Pipe Lagging discount available





Maximum Sum Insured upon referral


*Accidental Damage available as an optional extra

How to obtain a CX Let comparison quote New comparison CX Let Quick Quote facility providing an instant premium indication


In order to obtain a comparison quote from our panel of insurers simply process a quote through our comparison CX Let Quick Quote facility to obtain a premium indication. Once you have identified the best premium, log onto our secure system, select CX Let and the relevant CX Let product.

The Newsletter for Commercial Express Northern Ireland Agents

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CX Claims – Pressing forward In depth experience, good communication skills, consistency and the ability to install trust are paramount to a successful loss adjusting service. As we continue to expand our appetite to write business in Northern Ireland, on reflection and following feedback from our brokers, it became apparent that on occasions we were falling short of the standards we expect to deliver. With the departure of Karen Murray the appointed Cunningham Lindsey loss adjuster for Northern Ireland, this presented the opportunity for changes to be made and the decision taken to appoint two loss adjustors and an acting / overseeing Area Adjusting Manager based in Belfast to service Northern Ireland. New appointments – April 2012

• Niall McLarnon – Area Adjusting Manager • Eddie Mack – Property Adjuster • Brian Crothers – Property Adjuster These appointments have proven to be a great success and unquestionably restored confidence in Cunningham Lindsey’s ability to service our ever growing Northern Ireland book of business.

Marketing and Sales Support In line with our strategy to work closer with agents we are giving you the opportunity to request a range of marketing material.

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The Newsletter for Commercial Express Northern Ireland Agents

Contact Us Arrange to meet Phil, your Commercial Express Business Development Manager to ensure that you’re getting the most from CEQ online. Contact him today on 07901 040 402 or for more information visit

• He’ll make sure you’re aware of all the online features • Talk through the policies your clients need • Find out how to work most efficiently with us

• Tell us what you need to boost your business


As this is our first edition of Express News Northern Ireland we would appreciate your feedback and suggestions for what you would like to see included in the next issue. If you would like to make any comments or if you have any questions, please contact us at

Offering up the right ingredients for your Fast Food & Restaurant enquiries

Fast Food & Restaurant

CX Fast Food & Restaurant provides the ideal cover for takeaways including fish and chips shops, coffee shops, sandwich bars and restaurants.

Getting a quote is easy…. Key benefits include: • Up to 25% No Claims Discount Simply log onto to obtain • Frying ranges acceptable regardless of age an instant competitive quote, immediate cover The Newsletter for Commercial Express Agents • Outside Caterer’s extension and policy documentation. • 20% commission


The Newsletter for Commercial Express Northern Ireland Agents

CEQ - Newsletter - Northern Ireland - Issue 01  
CEQ - Newsletter - Northern Ireland - Issue 01  

CEQ - Newsletter - Northern Ireland - Issue 01