Insurance arrangements and claim queries

Roedd y cais yn llwyddiannus.

Dear FoI officer,

I write to request the following information relating to your authority’s insurance arrangements. I prefer to receive your authority’s response in electronic format at this email address. If for any reason you feel this request is unclear, please do not hesitate to contact me for clarification.

1) What was the cost of your insurance premium in the following financial years? Where you have more than one policy, please list these individually.
1a. 2012/13
1b. 2013/14
1c. 2014/15

2) Under your current insurance policy (or policies, as appropriate), what is the value of the excess per claim that you pay (for each category of risk for which there is a specific excess, and/or generally)?

3) With regards your Authority’s stop-loss policy,
3a) do you have an authority-wide stop-loss?
3b) if ‘Yes’ to 3a, what financial threshold is it set at?
3c) if ‘Yes’ to 3a, what does the premium for this cost?

4) For each insurance policy listed in response to question 1, when did you last procure the supply of that insurance?

5) For each insurance policy listed in response to question 1, did you advertise said contract in the OJEU?

6) For each insurance policy listed in response to question 1, how long is the contract with your current supplier for?

7) Does your current contract include a clause that permits extension by agreement?
7a) If the answer to question 7 is ‘Yes’, for how many years can the contract be extended, and how many times can such an extension be agreed?

8) When will you re-procure each of your insurance suppliers providing the policies listed in response to question 1?

9) Thinking of every category of insurance claim (property-related, personal injury, motor etc.) made against your authority, what was the total value of the payments made by yourselves (not by your insurers) in each of the following financial years? For clarity, these would be payments made within the policy excess.
9a. 2012/13
9b. 2013/14
9c. 2014/15

10) Thinking of every category of insurance claim (property-related, personal injury, motor etc.) made against your authority, what was the total value of the payments made by your insurer (not by yourselves) in each of the following financial years? For clarity, these are payments outside of the policy excess.
10a. 2012/13
10b. 2013/14
10c. 2014/15

11) For each of the same financial years as in question 10,
11a. How many claims did you make payments for, and
11b. How many claims did your insurer make payments for?
For clarity, only count claims for 11a for which it was only the authority that paid, either from the excess or otherwise; if the claim was paid by the insurer as well, count it in the response to 11b.

(For the avoidance of doubt, the information sought in questions 9 and 10 is about claims that were settled and paid out in the relevant financial years, regardless of the year in which the claim first arose.)

Thank you for your help.

Kind regards,

Alma Alenka

Freedom of Information, East Sussex County Council

 

 

Dear Ms Alenka

 

FOI Request ref: 6158 / Insurance and claims

 

Thank you for your request for information about the above. Your request
was received on 28/9/2015 and I am dealing with it under the terms of the
Freedom of Information Act 2000.

We always aim to respond as quickly as possible, and in this case will do
so no later than 26/10/2015, which is the 20 working day deadline. The
deadline is counted from the first working day we receive it, not the date
a letter is written / posted or an email sent.

In some circumstances a fee may be payable and if that is the case, I will
let you know. A fees notice will be issued to you, and you will be
required to pay before we proceed in dealing with your request.

Please quote the above reference number in any communication regarding
this request.

 

Yours sincerely

 

Amilia Holland

Customer Information Adviser

 

East Sussex County Council

Communities Economy and Transport Directorate

W1D, County Hall

St Anne’s Crescent

Lewes

East Sussex BN7 1UE

 

Phone: 01273 482913
Fax: 01273 481208

email: [1][East Sussex County Council request email]   web: [2]www.eastsussex.gov.uk/foi

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Freedom of Information, East Sussex County Council

 

Dear Ms Alenka

 

FOI Request ref: 6158 / Insurance and claims

 

Thank you for your request for information about the above, which has been
dealt with under the terms of the Freedom of Information Act 2000. Your
request and our response are set out below. Please note that any
information we provide is subject to the copyright and reuse of
information terms and conditions set out at the bottom of this email.

 

REQUEST

 

I write to request the following information relating to your authority’s
insurance arrangements.  I prefer to receive your authority’s response in
electronic format at this email address.  If for any reason you feel this
request is unclear, please do not hesitate to contact me for
clarification.

 

1)            What was the cost of your insurance premium in the following
financial years?  Where you have more than one policy, please list these
individually.

1a.       2012/13

1b.      2013/14

1c.       2014/15

 

2)       Under your current insurance policy (or policies, as
appropriate), what is the value of the excess per claim that you pay (for
each category of risk for which there is a specific excess, and/or
generally)?

 

3)       With regards your Authority’s stop-loss policy,

3a) do you have an authority-wide stop-loss?

3b) if ‘Yes’ to 3a, what financial threshold is it set at?

3c) if ‘Yes’ to 3a, what does the premium for this cost?

 

4)      For each insurance policy listed in response to question 1, when
did you last procure the supply of that insurance?

 

5)       For each insurance policy listed in response to question 1, did
you advertise said contract in the OJEU?

 

6)      For each insurance policy listed in response to question 1, how
long is the contract with your current supplier for?

 

7)      Does your current contract include a clause that permits extension
by agreement?

7a) If the answer to question 7 is ‘Yes’, for how many years can the
contract be extended, and how many times can such an extension be agreed?

 

8)       When will you re-procure each of your insurance suppliers
providing the policies listed in response to question 1?

 

9)       Thinking of every category of insurance claim (property-related,
personal injury, motor etc.) made against your authority, what was the
total value of the payments made by yourselves (not by your insurers) in
each of the following financial years?  For clarity, these would be
payments made within the policy excess.

9a.       2012/13

9b.      2013/14

9c.       2014/15

 

10)   Thinking of every category of insurance claim (property-related,
personal injury, motor etc.) made against your authority, what was the
total value of the payments made by your insurer (not by yourselves) in
each of the following financial years?  For clarity, these are payments
outside of the policy excess.

10a.       2012/13

10b.      2013/14

10c.       2014/15

 

11)  For each of the same financial years as in question 10, 11a. How many
claims did you make payments for, and 11b. How many claims did your
insurer make payments for? 

For clarity, only count claims for 11a for which it was only the authority
that paid, either from the excess or otherwise; if the claim was paid by
the insurer as well, count it in the response to 11b.

 

(For the avoidance of doubt, the information sought in questions 9 and 10
is about claims that were settled and paid out in the relevant financial
years, regardless of the year in which the claim first arose.)

 

RESPONSE

1)                   

 

1a.       2012/13 -   £1,356,989.50

1b.      2013/14 -  £1,410,786.50

1c.       2014/15 -  £1,639,748.90

 

Above figures include Combined non liability, Liability, Other & OAI.

 

2)                   

 

Public Liability:  £250 k

Employers liability: £100 k

Property:  £100 k

OI / PI:   £100k

Computer:   Ground up cover with £200.00 or £250.00 dept excess

Vehicle:  Self-insured for all own damage, ground up cover on third party
risks. 

3)                   

 

3a) do you have an authority-wide stop-loss?   Yes,

3b) if ‘Yes’ to 3a, what financial threshold is it set at?   Property - 
£500,000    Liability - £3,510,000

3c) if ‘Yes’ to 3a, what does the premium for this cost? Included in the
premium

 

4)      01.04.15 for Liability insurances, 01.04.13 for non-liability
insurances.

 

5)       YES

 

6)      18 months due to change of renewal date. Will be 12 months
thereafter.

 

7)      No

 

8)       All insurances are annual and therefore reviewed on an annual
basis. However, if Long Term Agreements run their full term the
reprocurement will occur on  1^st October 2018

 

9)       Value of payments made across all insurance claims made by the
authority (not our insurers)

 

9a.       2012/13 = £1,118,745

9b.      2013/14 = £578,565

9c.       2014/15 = £1,855,012

 

10)   Value of payments made across all insurance claims made by our
Insurers

 

10a.       2012/13 = £212,136

10b.      2013/14 = £300,521

10c.       2014/15 = £270,944

 

11)  We cannot provide a claims number split by Authority funded and
Insurer funded because the information isn’t held. Indeed quite often
payments on claims will have been made by both the authority and the
Insurer.

 

We can provide the total number of claims made (and then paid for each
year) however and these are as follows:

 

2012/13  - 1752 Claims received, 1715 Claims Closed of which 980 Claims
Repudiated, 37 Claims still to be determined.

2013/14 = 2070 Claims received, 1996 Claims Closed of which 1199 Claims
Repudiated, 74 Claims still to be determined.

2014/15 = 1367 Claims received, 1237 Claims Closed of which 892 Claims
Repudiated, 130 Claims still to be determined.

 

 

I hope that this answers your enquiry. If you believe that the County
Council has not complied with the FOI Act in responding to your request,
you may ask for an internal review. If you wish to do so, please set out
the grounds of your appeal in writing to:

 

Philip Baker, Assistant Chief Executive, East Sussex County Council,
County Hall, St Anne’s Crescent, Lewes, East Sussex. BN7 1UE.

or by email to him at [1][email address]

 

Please quote the FOI reference number in any communication regarding this
particular request.

 

If you are not content with the outcome of the internal review, you then
have the right to apply directly to the Information Commissioner for a
decision. Generally, the Information Commissioner cannot make a decision
unless you have exhausted the County Council’s internal review procedure
as described in the previous paragraph. The Commissioner can be contacted
at: Information Commissioner's Office, Wycliffe House, Water Lane,
Wilmslow, Cheshire, SK9 5AF. Tel: 0303 123 1113.  [2]www.ico.org.uk

 

Yours sincerely

 

Jeremy Coleman

Customer Information Officer

 

East Sussex County Council

Communities, Economy and Transport

W1D, County Hall

St Anne’s Crescent

Lewes

East Sussex BN7 1UE

 

Phone: 01273 482913
Fax: 01273 481208

email: [3][East Sussex County Council request email]   web: [4]www.eastsussex.gov.uk/foi

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This message is intended for the use of the addressee only and may
contain confidential or privileged information. If you have received it in
error please notify the sender and destroy it. You may not use it or copy
it to anyone else.

E-mail is not a secure communications medium. Please be aware of this
when replying. All communications sent to or from the County Council
may be subject to recording and/or monitoring in accordance with
relevant legislation.

Although East Sussex County Council has taken steps to ensure that this
e-mail and any attachments are virus free, we can take no responsibility
if a virus is actually present and you are advised to ensure that the
appropriate checks are made.

You can visit our website at http://www.eastsussex.gov.uk

References

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mailto:[email address]
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3. mailto:[East Sussex County Council request email]
4. http://www.eastsussex.gov.uk/foi