Allianz Commercial expands UK digital product offering

Authored by Allianz

As part of its continued investment in digital trading Allianz Commercial confirms the launch of Accident and Health (A&H) on QuoteSME and the addition of new product features for Complete Mini Fleet.

From 20 October Allianz’s Accident and Health (A&H) product will be available digitally, as will the new Complete Mini Fleet product which includes an excess reduction and green parts update to mirror Allianz’s proposition for larger motor fleets.

Allianz’s A&H product consists of two key elements: group personal accident and business travel. These can be purchased individually, together or alongside another insurance product.

The group personal accident cover provides lump sum or weekly financial benefits that can be used to support employees’ wages, hire temporary or permanent staff to replace an injured employee or offset other unexpected costs. This minimises disruption and supports business resilience. Furthermore, cover includes elements such as rehabilitation and trauma counselling to support employees with their physical and mental health while recovering from an accident.

Cover includes:

• Worldwide cover for accidental injuries - resulting in death, permanent total disablement or loss of limb, hearing, sight, intellectual capacity or speech or temporary total disablement.

• Workplace disruption - up to £50,000 for crisis management expenses; £5,000 to hire a temporary employee; £5,000 recruitment expenses for new permanent employees and up to £5,000 for training interruption.

• Rehabilitation expenses - as part of a rehabilitation plan Allianz can provide up to £2,000 for physiotherapy; up to £75,000 for prosthesis; up to £30,000 for parasport equipment and up to £10,000 for transport to work or medical appointments.

Business travel protects employees when they need to work away from home. The cover extends to employees, contractors, guests, and their family whilst on a trip. Comprehensive pre-travel advice is also provided. Through the Allianz Travel Oracle website and app employees can receive country information and real-time travel alerts as well having access to a 24/7 emergency contact for immediate medical and security advice.

Cover includes:

• Medical & emergency travel cost - Up to £25,000,000 whilst on an insured trip, including repatriation to UK where necessary

• Cancellation, curtailment, and delay - Up to £10,000 per trip and £250,000 per year. Up to £750 for delayed departure.

• Political evacuation – up to £50,000 per trip and £250,000 per incident

The newly launched Complete Mini Fleet product for up to fifteen vehicles (twenty at renewal) now mirrors Allianz’s larger Motor Fleet offering - providing comprehensive cover but with the convenience and control of digital trading.

Changes include:

• Excess reduction – the customer’s excess can be reduced by £150 when they use Allianz’s Approved Repairer Network (ARN).

• Green parts – as part of its commitment to sustainability Allianz will now automatically use green parts for non-safety critical repairs, where an appropriate part is available. *

Helen Bryant, director digital trading, Allianz Commercial commented: “Ease of trading is crucial in this busy world, and I am delighted to confirm these changes to the market. We’ve been investing heavily in our etrading capabilities, listening to feedback, and empowering our underwriters, all of which are resulting in tangible benefits for our brokers. By offering these products through our digital trading platforms we are aiming to make the process as quick and smooth as possible to make sure that Allianz is easy to do business with.”