We haven’t just refreshed Aviva Premier, we’ve revitalised it
Article Publish Date: Wednesday 6 September 2017
We know achieving cut-through in the mid-market can be tough, especially when you need that little something extra to impress your clients and get new business over the line, or hold on to an important case.
Premier is our comprehensively enhanced solution for mid-market commercial customers. It goes beyond insurance to prevent bad things happening, protect what matters most, and fix things fast when they do go wrong. It’s designed for large complex business customers who typically turnover £15m+ and demand more than just insurance cover. It’s about working collaboratively for the long term and making sensible choices to protect their business.
Aviva Premier is designed for those who want to make a real difference to their clients. Its aim is to create a genuine partnership between you, your client and Aviva. Our goal is to truly understand your needs and those of your customers, and to provide a uniquely tailored proposition that helps protect their business.
What are the key enhancements?
1. Dual remedy
We’re introducing a more flexible approach to claims where material information was either misrepresented or not disclosed. Provided the incorrect or missing information was not provided or withheld in a deliberate, reckless or fraudulent manner we’ll provide the customer with a choice. They can either pay the additional premium we would have required and receive a full claim payment or have their claim proportionately reduced as per the Insurance Act, whichever is more beneficial to the customer.
2. Automatic uplift in property sum Insured
Aviva Premier customers will now have additional piece of mind as we provide an extra layer of protection over and above the property sums insured you think you need. Buildings and contents will now have an automatic 20% uplift (up to a maximum of £500,000 extra cover on each).
3. Automatic waiver of Average
For Premier customers who undertake regular valuations, they'll automatically benefit from a waiver of the condition of average, providing further protection from underinsurance particularly for partial losses. This means that where a customer needs to make a claim and their sum insured including the automatic uplifts mentioned above turn out not to be adequate, we’ll deal with their claim without applying any proportionate reduction for the condition of average.
4. Business resilience coach tool
An innovative offering to help customers protect their business. By testing and understanding their readiness to respond in the event of an incident, your clients can improve their resilience and avoid trading disruptions.
5. Business Interruption calculator*
A unique tailored solution from Aviva to help customers avoid underinsurance that uses a simple online calculator to help customers set the right sum insured and indemnity period.
Aviva Premier is all about understanding the needs of you and your client and selecting and applying the most appropriate combination of enhanced wordings, enhanced risk management, enhanced claims and trading tools to provide a tailored, bespoke insurance solution for you and your clients.
Find out more about how your clients could benefit from bespoke mid-market cover in our new Aviva Premier brochure, or by speaking to your Aviva sales manager today.
*If you apply for cover based on the recommendations of our calculator, we will top up the cover for an additional 12 months’ indemnity period over and above the recommendation, free of charge, to help in case of any unexpected delays.
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