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  • About ERS

    ERS is the UK’s largest specialist motor only insurer underwritten by Lloyd’s and rated A+. For over 70 years, we have worked directly with brokers to provide bespoke cover for their customers’ specialist requirements.

    For these customers’ their vehicle is often at the centre of their livelihood or passion, giving rise to different or specific needs that cannot be met with one-size-fits-all insurance. At ERS we recognise and embrace this difference; it is why we employ teams of underwriters who are experts in their field to understand each risk individually to provide the ideal cover and it is also why brokers have told us that they trust us more than any other insurer with a specialist motor risk.

ERS maintains rate resilience in difficult motor market


At the half year (to 30th June, 2017) ERS, the Lloyd’s specialist motor-focused syndicate reported a trading loss of £13m and a combined ratio of 107.6%.


  • ERS, has reported a half year loss of £13m (H1 2016 £7.2m), reflecting the earning out of business written pre-the Ogden discount rate cut
  • Gross Written Premium for the period was £212.6m (H1 2016 £221.2m)
  • ERS remains focused on bottom line growth over top-line volume and will hold firm on rate in 2017 and into 2018

Ian Parker, CEO of ERS commented: “Our operational performance post transformation continues to be in line with our expectations. While the Ogden discount ruling has adversely affected our H1 financial performance, we see this as deferring our progress but not changing our course. Despite the initial impact on top line by moving rates early in response to the change in the discount rate, ERS is now seeing more business from brokers than ever before, as other insurers catch up.  

To read the full ERS authored article, click the link below

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