Schemes

Build your business by offering bespoke personal lines insurance which meets your customers’ exact needs.

We understand the importance of flexible and innovative insurance solutions and our people are specialists in delivering professional advice and tailored products that create real value for our partners.

By getting to know our partners and their customers, we know exactly what they need and expect from us – that’s why we have over 97% customer retention.

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Why UK General Schemes?

Our extensive experience and expertise in the schemes market enables us to provide specialist and niche insurance products that give brokers a competitive edge.

  • Product tailoring

    We understand the importance of having a flexible underwriting approach enabling us to provide products that add real value. No two schemes are the same, we believe in providing you with sole distribution and will never distribute your scheme to multiple brokers.

  • Scheme implementation

    We’ll work with you to tailor our existing products or develop new and innovative products and distribution channels that will drive maximum benefit for you and your customers. On many occasions we can get your scheme up and running in as little as 6 weeks.

  • Schemes experts

    We invest significantly in the development of our people, who are experts in their field. From our schemes underwriters and dedicated account managers, through to knowledgeable compliance officers and highly experienced marketing support consultants.

  • Bespoke claims facilities

    Claims service is the most important part of your product; your customers are putting their faith in you to deliver in the unfortunate event that they make a claim. We can develop claims solutions or implement and manage integrated claims services.

Benefits of a scheme

  • Tailored products
    Schemes allow you to create products bespoke to your customers giving you a competitive edge and differential in the market. Furthermore, providing your customers with product that meets their exact insurance requirements.
  • Defining your own selling price
    Most insurers will offer schemes on a net-rated basis, allowing you to control your own selling price and ensure you remaining flexible, competitive and win more business.
  • Trading under your own brand
    When a customer purchases a policy from you they are not only purchasing a product they are investing in your brand. A scheme allows you to trade under your own brand with fully white labelled documents, platforms and claims provision.
  • Delegated Authority
    A scheme allows you to promote and deliver your own service levels by giving you the freedom and flexibility to make informed decision on risk up to an agreed level of authority.

Identifying a scheme

Identifying an opportunity can sometimes be a challenge, however taking a step back and the time to understand your customers and their insurance requirements is essential for your scheme to become a profitable centre of your business.

  • Understand your objectives
    Despite what you may think, the success measure of a scheme is not wholly dependent upon the number of policies you sell. When identifying a scheme you need to firstly understand what you are expecting to achieve.
  • Getting closer to customers
    Effective product development starts with identifying your target market. Understanding your existing customer requirements, investigating trends or even listening to customer complaints will provide a good foundation to identify a gap in the market.
  • Creating value
    If your scheme does not provide value for your customer it will fail. Value is in the eye of the beholder, therefore give your customer what they want, not what you think they want.

Transferring your scheme

  • Service – We provide you with a dedicated account manager and schemes expert, who will work with you to ensure you are receiving the service and support needed to guarantee that transferring your scheme does not disrupt the day to day running of your business.
  • Support – By building strong relationships with our broker partners, we can get to know you and your customers, allowing us to consistently deliver the right level of support to drive, maintain and grow your scheme.
  • Specialists – Having the knowledge and expertise to build unique and innovative products from the ground up, we ensure your scheme is best in class. Our specialists strive to drive both individual scheme and business performance, and take personal responsibility for achieving results.
  • Success – We want your scheme to work as much as you do and will work with you to identify opportunities to grow not only your scheme but your entire business. Providing the right solution that delivers sustainable results and real value to your business and your customers.

Become a schemes specialist – Tailor a truly unique product, giving you a differential in the market and a real competitive edge

Using schemes to differentiate, be it on service delivery, tailored and niche products, or targeted marketing allows you to become a specialist player in your chosen area. The key to success is working with a specialist schemes provider who has the knowledge, experience and capability to identify and deliver a successful and profitable scheme.

For further information about working with UK General and our scheme facilities available please contact us.