Running a self-drive hire or leasing firm involves a wide variety of risk across vehicle type, use and fleet management – plus the usual on-the-road risks for your customers, whether they’re driving at home or abroad. That’s why it pays to work with a self-drive hire insurance specialist that understands the different exposures you face so you can protect your business with confidence.

SELF-DRIVE HIRE INSURANCE

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP467-2015 exp.29/06/2016

Protecting our customers.Your self-drive hire fleet is your firm’s prime asset. Whether on display, parked, in depot or, preferably, in use they are at risk from damage, accident, vandalism, theft and misuse. The mix of vehicle types presents a unique set of risks too – from cars, pick-ups, vans and minibuses to short, medium and long wheelbase transits and tail lift panel trucks up to 7.5 tonnes.

In fact, just about everything your customers can drive without needing an HGV licence! Then there’s driver risk: because you have less control over customers than you have over employees, controlling the human liabilities is tricky - and that usually means high insurance premiums.

Arthur J. Gallagher has many years experience in your sector which means we understand the multi-layered risks that you face. Our dedicated self-drive hire insurance broking team designs fully comprehensive and cost-effective vehicle leasing and rental programmes that deliver:

• Protection - On and off hire cover across collection and delivery• Claims - Claims handled in a timely & efficient manner by a

dedicated Self Drive Hire Claims team• Security -Drivers can be referred for acceptance which fall outside

the permitted guidelines while the customer is waiting• Green Cards - Green Cards provided for European travel• Recovery - European breakdown cover to bring your vehicle home

safe and sound• Convenience - Quarterly, half yearly or annual adjustments that

save time and reduce administration• Clarity - client user guides that delegate driver clearances to the

insured within certain restrictions and provide them with otheruseful tips

• Reliability - Access to financially secure markets• Flexibility - Annual premium payment options can be arranged

over 10 or 12 month periods that reflect seasonality and help protect your cash flow

We can also advise on additional ways to lower your risk profile, improve protection and cut premium costs - especially if your business is regarded as higher risk because of vehicle use or location - across areas like:

• Enhancements to physical site security and storage• Managing customer driver age and profile• Vehicle trackers, remote telemetry and forward-facing on-board

cameras for accident recording• A flexible approach to excess levels and the overall sums insured.

For us, it’s about doing a great job for you. Experience, quality and value underpin our service and we shape insurance programmes around your precise needs. You’ll have access to and benefit from:

• A dedicated service team of experienced self-drive hire specialists• Evaluation of your current insurance programme• Bespoke insurance programme design• Friendly and professional liaison that keeps us on top of your game.

About Arthur J. Gallagher

Founded in 1927, Arthur J. Gallagher & Co. has become one of the largest, most successful insurance broking and risk management companies in the world. With extraordinary reach internationally, our parent group employs over 21,500 people and provides services in more than 150 countries.

Outside the US we are known as Arthur J. Gallagher and wherever there is an issue of risk, we’re there for our clients. We are a business without barriers – working together to create solutions that drive value and competitive advantage for our clients. Our people, our depth of technical knowledge and our global reach will deliver unrivalled advice and coverage expertise.

Croydon Office 9th Floor Amp House Dingwall RoadCroydonCR0 2LX

www.ajginternational.com

Dipen PatelT: 02080 187 455M: 07946 506 432 E: dipen_patel@ajg.com

Eddie Campbell T: 02080 187 454 E: eddie_campbell@ajg.com

FOR MORE INFORMATION CONTACT:

Self Drive Hire, Fleet & Motor Trade

Organisational Structure

Steve Christian alle

Adeline Inglis Account Handler

020 8018 7459

Adeline_Inglis@ajg.co

m

Eddie Campbell Motor Fleet Manager

020 8018 7454

Eddie_Campbell@ajg.

com

Claims Motor Claims

03330 107 180

ajg@wnsa.co.uk

Kate Noble Junior Account

Handler

020 8018 7443

Katie_Noble@ajg.com

Dipen Patel

Self Drive Hire Manager

L: 020 8018 7455 ¦ M: 07946 506463

Dipen_Patel@ajg.com

Savannah Hope Account Handler

020 8018 7447

Savannah_Hope@ajg.

com

James Adams Account Handler

020 8018 7457

James_Adams@ajg.c

om

Christian Kaye Account Executive

07469151607

Christian_Kaye@ajg.c

om

Steven Cavey Account Executive

07825344384

Adeline_Inglis@ajg.co

m

Allen Clark Branch Director

020 8018 7440

Allen_Clark@ajg.com

Patrick OConnell Regional Managing

Director

020 7234 4218

Patrick_OConnell@ajg.com

WHO WE ARE

WHAT WE DO

ARTHUR J. GALLAGHERAN INTRODUCTIONFrom micro-business to global enterprise, our insurance solutions will fit your organisation like a second skin.

Arthur J. Gallagher is one of the world’s largest insurance brokers.

Made to measure solutions combined with strong relationships that go the extra mile

Knowledge and experience for all-sector insurance and risk management

Your interestscome first - not those ofthe underwriter

Everything we do is founded on a personal touch, dialogue

and deep understanding of your business

Sector-led localexpertise and service

with access to London and globalinsurance markets

Pensions and benefits

We can negotiate highlycompetitive rates and createeconomies of scale for you

Business founded on family values

90 years in the market

Circ.4,200 team members

in the UK

Global reach withlocal knowledge

21,500 teammembers worldwide

Established in1927

ProfessionsServices

Life Sciences

1Risk

ManagementClaimsManagement

Business and Corporate Insurance

NICHE SOLUTIONS

A SELECTION OF OUR

Construction

Transportation

Hospitality& Leisure Retail

Charities& Care

Healthcare

Real Estate

Manufacturing

Public Sector & Education

Major Risks

Housing

Personal LinesInsurance

Motor Trade

Trade Credit & Surety

Risk Management

Over 50 offices in the UK

PersonalInsurance

Acquisitions and Disposals

Warranty & Indemnity and Mergers

What sets us apart? An entrepreneurial ethos plus a personal and local service from experts in your market.

TRY OUR INSURANCE REVIEW

It’s completely confidential and your report will contain information on:

EXPLORE HOW YOU CAN BENEFIT Reach your local Arthur J. Gallagher team at:

T: 0800 612 2278 E: ukenquiries@ajg.com

1 Number 1 Strategic Risk Accolade awarded in 2015.

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.FP375-2016 Expires 09/17

Premium benchmarking Detailed cover review

Values and limits In-depth claims audit

Risk management analysis

Balance risks and exposures

Continual improvement

Competitiveadvantage

Award winning

Cost savings We identify insurancegaps in your cover

THE ARTHUR J. GALLAGHER DIFFERENCE

KN

OW

LEDGE LOCAL TEAM FACE-TO-FACE A

WARD-WIN

NING

ETH

OS

EASIER TO WORK WITH

DedicatedAccountExecutive

ClaimsManager

You & your business

Easy transition from incumbent broker to working with us

RiskConsultant

Broker

RegionalDirector

We are the company we keep:

We were able to leave the insurance aspects of the Intercity East Coast bid in the capable

hands of our long standing transportation specialists in Arthur J. Gallagher. As ever the programme was delivered in time and

within projections.

Richard Bodicoat | Virgin Trains

DON’T JUSTTAKE OUR WORD FOR IT

OUR INDUSTRYAWARDS AND ACCOLADES

NUMBER 1 SERVICEBY STRATEGIC RISK ACCOLADE

It’s not every day your customers name you as the country’s number one for simply doing what you do. Some of you will know just how good that feels. The UK Corporate Insurance Buyers’ Survey 2016 by StrategicRISK magazine has just rated Arthur J. Gallagher’s UK business as the best outright insurance broker, ranking us top in all five of its service categories. And that’s what it’s all about for us: doing a great job for you. So why not get in touch and experience the Arthur J. Gallagher difference?

WE’RE NOW RANKED THE UK’S NO.1 INSURANCE BROKER.

GOOD NEWS FOR US. GREAT NEWS FOR YOU.

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP823/2015

Service excellence comes as standard… so accept nothing lessJust because an insurance broker is big, doesn’t mean customers become a policy number. Far from it. At Arthur J. Gallagher we believe that as you grow bigger, you must also get better. Our customers span every size of UK business and we know each has its own unique ambitions, pressures and risks. That’s where we strive to make a difference. Attracting high calibre risk professionals who know their sectors, know the issues, know their regions – and above all, know their customers – enables us to go the extra mile and deliver a risk management service that is, quite simply, a breed apart.

FOR MORE INFORMATION CONTACT:

T: 0800 612 2278 E: ukenquiries@ajg.com

www.ajginternational.com

What does this mean for me – the customer?It means that when you choose Arthur J. Gallagher as your insurance partner, you’ll receive the expertise, products and policy administration your business needs. Whatever your size … whatever your sector … whatever your location … whatever your risk profile.

• Risk management and insurance is about more than just securing coverage or selecting a plan.

• It’s about helping you grow your business and protecting your ambitions.

• Arthur J. Gallagher in the US is the only broker anywhere in the world to hold an independent, globally-recognised award for business ethics.

• Meaning you can rely on insurance advice, design and cover that are built - like our customer relationships – to last.

Strategic RISK magazine is one of the most respected, independent risk and insurance media titles available today and is the go-to source for news, research and market analysis. In the magazine’s 2016 UK Corporate Insurance Buyers’ Survey, published this November, 90 respondents from FTSE-listed corporates rated the insurance brokers they felt best delivered risk management solutions and service in a way that best matched or exceeded expectation in the areas most important to them. We’re delighted to say we came out top in all five service categories that included responsiveness, technical knowledge, innovation and understanding of changing customer needs. Granted those surveyed were from major UK corporates. However we apply those self-same principles of great service to every business client. Whether you’re an SME or a smaller PLC – in Littlehampton or Llanelli, Leicester or Lossiemouth, Ledbury or Londonderry.

If you’d like to know more about key service criteria analysed and rated in the 2016 Strategic Risk Survey, email us at ukenquiries@ajg.com with your name, position and company contact details and we’ll be more than happy to send you a PDF of the highlights.

“Arthur J. Gallagher is … the undisputed king of customer service”.Insurance Times, November 2015

Good service isn’t rocket science. But it takes good people, good products, good processes and good professionalism — plus the knowledge, commitment and ability to live in the customer’s shoes and see the world through their eyes.

Would you like to talk?If you’d like to give your business an edge for success – with competitive and innovative risk management delivered by expert hands – then look no further. Come talk to us.

About Arthur J. GallagherFounded in 1927, Arthur J. Gallagher & Co. has become one of the largest, most successful insurance broking and risk management companies in the world. With extraordinary reach internationally, our parent group employs over 20,000 people and provides services in more than 140 countries. Outside the US we are known as Arthur J. Gallagher and wherever there is an issue of risk, we’re there for our clients. We are a business without barriers – working together to create solutions that drive value and competitive advantage. Our people, our depth of technical knowledge and our global reach will deliver unrivalled advice and coverage expertise.

For more information, visit us at www.ajginternational.com.

ETHISPHERE AWARD 2016ARTHUR J. GALLAGHER

ARTHUR J. GALLAGHER NAMED ONE OF THE ‘WORLD’S MOST ETHICAL COMPANIES’ FOR FIFTH CONSECUTIVE YEAR

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP227/2015

We have once again been recognised as one of the World’s Most Ethical Companies, the only insurance broker to be awarded this distinction.

The award was made to our parent company, Arthur J. Gallagher & Co. by the Ethisphere Institute, an independent centre of research promoting best practices in corporate ethics and governance.

Now in its tenth year, the award recognises organisations that raise the bar for corporate behaviour and continue to go beyond making statements about doing business ‘ethically’ and translate those words into actions.

What does this say about Arthur J. Gallagher?Honourees not only promote ethical business standards and practices internally, they exceed legal compliance minimums and shape future industry standards by introducing best practices today.

According to Ethisphere, recipients have historically out-performed others financially, demonstrating the connection between business integrity and performance.

Only 131 companies worldwide have received the award this year, each acknowledged for having an inherent culture of ethics, compliance, governance and active corporate citizenship and responsibility programmes within their businesses. The full list of the 2016 World’s Most Ethical Companies can be found at www.ethisphere.com.

What the award means to us

Tom Gallagher, chairman of our International Brokerage business, said:

“Our corporate culture rests on the trust and integrity that our people engender in their relationships with customers,

colleagues and industry partners alike. We work hard to ensure that principles are always aligned with actions, and make sure that service excellence and social responsibility go hand in hand. So to be externally recognised as a leader in ethical business practices — and for the fifth year in a row — is testament to the fantastic efforts of all our people day in, day out. Well done everyone.”

To find out more about this award, contact your local account handler.

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When is the right time to undertake a Technical Audit?

This can be conducted at any time in the insurance period but, in our experience, this usually delivers the best results when undertaken away from the traditional renewal cycle. This allows time for us to fully understand your business and undertake a detailed analysis of your insurance needs and current programme.

Please contact your Development Executive to discuss how we can assist your customers manage their business risks.

Why Review your Insurance Arrangements?

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••

•

How confident are you that your insurance programme will respond in exactly the way you expect it to, when you need to make a claim?

What is the Arthur J. Gallagher Technical Audit?

A Technical Audit is a review of your business and associated risks, using a fresh pair of eyes, together with a full review of your insurance programme. We then compare the insurance programme to your business to make sure it is fit for purpose and meets your needs.

A Technical Audit will assist with the purchasing decision so that you are making an informed choice about which risks to insure, and just as importantly, which risks not to insure. There should be no surprises when the time comes to make a claim.

Bene�ts of the Arthur J. Gallagher Technical Audit

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•

Business Insurance Technical Audit

Driving best value from your insurance programme.

Following a con�dential Technical Audit for a prestigious retail chain, who had undergone signi�cant change in the previous 12 months, we undertook a full policy wording review and identi�ed some critical gaps in their current programme. For example:

••

•

•

Arthur J. Gallagher was appointed by the client to �x the issues we had identi�ed.

In addition to rectifying the gaps in cover, a premium saving of 25% was achieved by Arthur J. Gallagher at renewal.

Case Study

Businesses change all the time e.g. new products, services, locations, international expansion, and acquisitions to name a few. In contrast, insurance programmes often remain static, potentially creating gaps in cover. A Technical Audit will identify any gaps that may have developed so that they can be rectified before a claim arises.You need assurance that you are getting best value for money.Understanding the detail. Commercial policies contain significant amounts of information, extensions, restrictions, conditions and sometimes warranties. A Technical Audit will help you understand how your policies fit with your business.Programme structure. Is the current programme structured in the most efficient way to obtain the widest cover at the most competitive premium? A Technical Audit will evaluate the current placement and, if appropriate, provide alternative solutions.

A confidential and objective review so as not to conflict with existing insurer or broker relationships.Provide peace of mind that your current insurance programme has been rigorously reviewed. We will provide a range of options to rectify any deficiencies or duplication in cover which are identified. This results in a bespoke programme that precisely fits your risk profile and provides protection for your business assets and balance sheet.

A bespoke solution that is flexible to your needs. We do not apply the ‘one size fits all’ philosophy so you will benefit from being able to consider a range of options to improve your programme.Our assessment of the value you are currently getting from your insurance programme.

Duplication of sums insured across policies.�e CEO was excluded from the Directors’ & O�cers’ Liability policy.Business Interruption was arranged on a Full Value Loss of Gross Pro�t when the client operated across many independent sites and would never su�er a total loss.Products’ Liability for key export markets such as the USA and Canada were not insured.

Business Insurance Technical Audit

About Arthur J. Gallagher

Founded by Arthur Gallagher in Chicago in 1927, Arthur J. Gallagher & Co has grown to become one of the largest insurance brokerage and risk management companies in the world. With significant reach internationally, the group employs over 17,000 people and its global network provides services in more than 140 countries.

Outside the US, we use the brand name Arthur J. Gallagher.

Wherever and whenever there is risk we’re there for our clients – from individuals to small businesses to international conglomerates. Our people, our technical expertise and our global reach delivers first class coverage, risk management and placement expertise. We work seamlessly across countries and international territories. Where we do encounter difficulties and complexities we meet them head on. We remove barriers never letting them get in our way.

We just do not give up; whether it’s sourcing cover for the thatched cottage in England; cyber risks across European borders; complex coverage for the international supermarket chain; marine cargo in Australia; political risk coverage in developing economies; energy cover in extreme environments; or helping our banking partners with their comprehensive homeowner offer. We work tirelessly to provide solutions that drive value and competitive advantage for the benefit of all our clients and we nurture our people to do what they do best – promoting and protecting our clients’ interests.

Family values have been core to our culture since our company was founded and this drives the way in which we, Arthur J. Gallagher, look after our clients.

Since 1927 we have built our business for today.

For tomorrow, we continue to invest in our business.

A business without barriers.

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered O�ce: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP234-2014 05/2014