IN THIS ISSUE We go behind the scenes for Star s 30...Behind the scenes on the Star Photoshoot 08...
Transcript of IN THIS ISSUE We go behind the scenes for Star s 30...Behind the scenes on the Star Photoshoot 08...
TH
E Q
UA
RT
ER
LY M
AG
AZ
INE
FO
R B
RO
KE
RS
AN
D D
EA
LE
RS
— T
HE
HU
B —
ISS
UE
30
— A
PR
IL 2
02
0
THE BEHIND THE SCENES ISSUE
IN THIS ISSUE . . . We go behind the scenes for Star’s photoshoot – The evolution of Prestige and
our policy wording – Head down to the “Burt Munro Challenge” and much more . . .
30
2 THE HUB — ISSUE 30 — MARCH 2020
In this issue of our new look Hub Magazine you’ll see some of the events the Star Insurance team have attended over the summer months, before the words ‘Covid’, ‘Isolation’ and ‘Epidemic Curve’ were in our everyday vocabulary. You’ll also see this edition has been delivered electronically as most of you work from home, and our Key Account Managers temporarily abandon their regular visits to your offices. While these are strange times for our world, in most areas of the insurance industry it’s business as usual while we support our clients and industries effected by lockdowns.
The team at Star Insurance is continuing to operate at full capacity from various locations across the country. As an essential business we took steps early on to ensure no more than 5 staff members are located in any one place. The business already operated out of 3 locations around NZ, and some staff had home office set ups, so we have been able to simply expand our IT capacity to have full phone, email & system access at further sites where we have staff situated. Our sales, claims, accessing, accounts and management teams are still functioning as normal and we trust our service remains at the high level you expect from us.
03 Evolution of the Prestige Motor Product
04 New Policy Wording
05 Katitangita Car Show
06 Behind the scenes on the Star Photoshoot
08 Burt Munro Challenge
09 Keeping Busy
10 Business Continuity at Star Insurance
11 Meet the Broker – Meet the Star Team
12 Hanging out in Hanmer
14 Cook’s Corner
15 The Katitangita Car Show
30
FR
OM
TH
E E
DIT
OR
S D
ES
K –
JO
HN
ED
IEIS
SU
EC
ON
TE
NT
S
As editor of this magazine I’ve always tried to publish travel stories which showcase interesting parts of New Zealand. Our International travel options may be limited for months to come, so post lockdown could be a perfect time to get out and see some of our country, while also supporting the local tourism industry. There’s a great story on the sites of Hanmer Springs in this edition, or maybe you could trade that Gold Coast holiday for a trip to the Katitangita Car Show, or next years Burt Munro Motorcycle event in Invercargill?
Finally our new motor vehicle policy wording has been launched and rolled out nationally — further information is detailed on page 4. If you’re home schooling kids during lockdown, get them to read it and we can start training the next generation of insurance professionals! I hope by the time the next edition of this magazine rolls off the press our Key Account Mangers will be able to hand deliver it to your office. In the meantime, stay safe, stay home, be kind, and contact us for your vehicle insurance needs.
08
12
06
THE HUB — ISSUE 30 — MARCH 2020
Since before our chairman, John Baker, purchased his first
Porsche, a black 993 Cabriolet with an off-white interior, he has
been writing and innovating on the best insurance policy available
for prestige vehicles.
He writes insurance policies that he personally would want
and that aren’t available on the open market. His philosophy is
shared by all of the team at Star Insurance Specialists, who know
that prestige car owners have different needs and expectations
to a basic everyday vehicle owner. We’ve always included policy
benefits that nobody else would dream of offering, and we’ve never
restricted personal choice.
With our Prestige product, customers get the exact same
policy that the policy writer, an insurance expert, wanted for
himself; the absolute best protection for his Porsche. You really
can’t get better than that.
Since we launched Prestigio in 2007 it’s a policy that has
constantly evolved. Today it’s known as Star Insurance Prestige,
and it continues to be the industry benchmark policy for prestige
car owners.
In 2019, John again asked: “What do I want to see in the
insurance cover for my cars?” This was an especially important
question for John because he now owned several Porsche, and
drove them differently. One is his everyday car which he zaps all
over the country in. He insures that car using the Star Insurance
Prestige policy. But the other two are very special cars that he
only drives rarely.
Other than a major upgrade to the original policy, which
expanded and clarified the benefits of the policy coverage, we
launched a new policy called Star Modern Hobby. In return for
essentially storing extra-special vehicles rarely driven in the garage,
prestige owners are rewarded with an adjusted premium.
Innovations like this is why our insurance portfolio has grown
to over 75,000 vehicles.
Like all of our products, we can make precise policy
tweaks to ensure everything is tailored to a client’s particular
needs. And we handle, manage and settle all of our policies
and claims in-house, which is a huge time and stress saver
for all clients.
3
An evolution of the Prestige Motor Product
4 THE HUB — ISSUE 30 — APRIL 2020
New Policy Wording
You’ve probably all been teased enough about our
re-write to our vehicle policy wording which has been finalised
and released to everyone. We re-wrote the previous Prestigio
policy wording into a single document that now covers:
• Elite and Prestige vehicles
• Enthusiast vehicles including classic cars,
• and everyday vehicles (which was previously
known as Prestigio Silver).
By completing this final piece of our brand puzzle, we have
now transformed from a house of brands into a branded house
for specialist and niche motor insurance. What does that mean
exactly? It doesn’t affect anything you do, but for the curious,
it’s basically about brand architecture.
A branded house is where a company, like say Virgin, has
sub-brands or products such as Virgin Records, Virgin Games,
Virgin Airlines and so on. They all operate as a brand of Virgin
and are not seen as separate entities. And they never
overshadow the primary brand, which in this case is Virgin.
A house of brands, on the other hand, is home to numerous
brands, each operating independently of the other with their own
audiences, look and feel. An example of this would be Procter &
Gamble (P&G). P&G own brands like Pantene, Tide, Duracell and
Pringles, etc. You wouldn’t necessarily know that P&G owned
these brands, unless you looked at the fine print. And each of
these products has a specific audience that they talk to.
Back to the updated document …
The look and feel is entirely different to
previous Prestigio documents but you’ll
notice that it now encompasses all our
variations to ‘comprehensive’ insurance
that we tried to create with endorsements
to the previous wording.
Everything that the old (Prestigio)
policy did, our new policy wording does.
Plus we have increased some of the
sub-limits and introduced new covers.
Our new motor vehicle policy wording has been finalised and rolled out to brokers across the country. This wording has been re-written into a single document that covers Elite and Prestige vehicles, Enthusiast vehicles including classic cars, and Everyday vehicles.
5
The increased limits and new Policy Extension
(depending on the sub type of insurance cover):
• Loss of use limits have increased to a maximum
of $10,000 for the top category of cover
• Incorrect Fuel benefit limit has increased
• Incorrect Fluid (such as diesel additive)
benefit has been added
• New for Old Replacement vehicle limit increased
to 3-years for the Elite vehicle category
• Ex-demo cars will now also meet New
for Old replacement vehicle conditions
• No requirement to maintain the purchase price
of the vehicle to meet the New for Old replacement
vehicle condition
• Lost Keys & Locks are included as part of the vehicle
and payments for lost keys are no longer sub-limited
• Additions and Deletions have increased to $300,000
• All values referenced in the wording, including Sum
Insured are GST Inclusive
• Roadside assistance, when purchased, forms part
of the schedule and does not require a separate
placement slip.
We have not decreased any sub-limits, nor reduced any level of cover.
You can now purchase optional
Policy Extensions for your clients,
including those for signwriting/wraps,
artwork and Pairs and Sets, etc. With zero
ambiguity, it’s now easier to follow what
the sub-variations are, and we’ve included
a nice table for each policy extension
which graphically explains what type
of car each extension applies to.
We made these changes live
on 01 January 2020
All of our vehicle policies are now
‘upgraded’ to this latest version of our
Star Insurance Specialists vehicle
insurance wording.
You may notice that our schedules
will change slightly as we strive to make it
easier to display the specialised extensions
applicable to the subcategories of vehicles.
For example, the benefits applying to
Enthusiast/Classic vehicles may not apply
to a new Prestige or Elite vehicle.
You can see the full updated policy
wording on our website, as well as a
matrix/table document below showing
how the additional policy benefits work
for each type of vehicle subcategory.
(This is also replicated in the last pages
of the wording document.)
We’re also in the process of rolling out
design changes to our renewal documents
for the same reason. And our Key Account
Managers have updated their new business
templates to make it easier for you to
explain why Star Insurance Specialists
are the best choice for your clients.
THE HUB — ISSUE 30 — APRIL 2020
6
Going behind the scenes –the anatomyof a photoshoot
Have you noticed our beautiful
new photography on our website and
elsewhere? Looking good in public
is not simply a process of sending a
photographer out to take some happy
snaps. Photography logistics is a huge
undertaking.
Keir and Lee from our agency
scouted many potential locations and
then visited the shortlisted sites at different
times of the day to check the changing
light, tides and prevailing wind.
We had 14 people present on
the photo shoot days. Keir was the
creative director, working closely with
the photographer, Dave. Lee handled
background logistics, getting the cars
ready and made sure nobody got run
over. And Alex, along with Dallas, Joanne
and Toni from the Star offices were the
primary models.
We also had tow truck drivers, bike
handlers, and vehicle ‘fluffers’ - to make
sure the vehicles were well presented
and to feed the crew we had Chef Baker
in the ‘kitchen’!
1 2
1 CHEF BAKER – FEEDING THE CAST AND CREW
2 F IRST LIGHT SHOTS FOR STAR MOTORCYCLE
3 TALENTED PHOTOGRAPHER DAVE AND THE GEORGEOUS MODEL DALLAS
4 SECOND SHOOT FOR CAMPERCARE – DALLAS AND THE BEAUTIFUL TONI
3
THE HUB — ISSUE 30 — APRIL 2020
7
We were on location everyday at 5:00 am and kept clicking until there was no more light. It was pretty
exhausting, but we all enjoyed it immensely.We hope you like the end result.
5
8
9
4
5 TAKING SPECIAL CARE OF A VERY SPECIAL VEHICLE - 1956 PORSCHE 356
6 ENTHUSIAST SHOOT - GETTING THE PERFECT ANGLE ON THE BACK OF A FORD MODEL A
7 END OF DAY 3 - GETTING PIZZA IN A ROLLS ROYCE
8 WAITING FOR THE RAIN TO STOP BETWEEN SHOTS
9 HARD EARNED END OF SHOOT DRINKS
1 CHEF BAKER – FEEDING THE CAST AND CREW
2 F IRST LIGHT SHOTS FOR STAR MOTORCYCLE
3 TALENTED PHOTOGRAPHER DAVE AND THE GEORGEOUS MODEL DALLAS
4 SECOND SHOOT FOR CAMPERCARE – DALLAS AND THE BEAUTIFUL TONI
6
7
THE HUB — ISSUE 30 — APRIL 2020
8
Burt Munro Challenge
Star Insurance Specialists was a key sponsor at this years event, which is the largest motorcycle rally in the Southern Hemisphere.
The Star Insurance NZ Hill Climb Champs were held on
Waitangi Day in the small township of Bluff. Our promotional
flags were lined up the hill and company vehicle used as the
pace car on the day as a few hundred riders tested there
classic, sports and 4 wheeler bikes up the steep terrain.
THE HUB — ISSUE 30 — APRIL 2020
9
WRITER KENN BUTLER
Keeping BusyThis exchange appears to be found
everywhere in both our personal and
professional lives. It is as if busyness carries
a certain status symbol. Yet, being” busy”
does not make us happier; and it does not
make us more productive. It just means
we are filling all of our available time.
Even though I still find the phrasing
“I am busy!” on the tip of my tongue when
someone asks me how I have been,
I make a conscious effort and try not to
say it. I try being the operative word, and
given the lack of productivity all around
us these days, try it certainly is.
Instead of hopelessly waiting to be
given the gift of more free time, consider
what high-achievers do to stay focused
and accomplish large, long-term goals.
They are:
1. Accept time is a precious
and fixed resource
2. Know how to separate urgent
from important
3. Align their top priorities with
their core purpose and values
4. Do not book 100% of their time;
they value rests and relaxation
5. Constantly look for things they
should stop doing
6. Are selective about the people
they give their energy to.
As we head into a new year I reflect on a commonly asked question which has become a conversational crutch: “How’s it going?” Invariably, the response: “Good! – Just busy.”
When an important task is not getting
done, it is important to acknowledge and
admit you have chosen to spend your
time on less important tasks (for example,
posting on Facebook and Instagram).
Instead of saying “I did not have enough
time,” try saying “I chose to do X today
instead of Y” or “I am getting distracted”
or “I am focusing on the negative things.”
Or perhaps even better; I am focusing on
something which does not work towards
my goals. This honesty and accountability
will help you use your time more wisely,
accomplish more and be less “busy.”
Conversely, it also important to take
time and relax, not actually have a desire
to achieve anything for a period. Hopefully,
this is what many of us have done recently
over the holiday season.
THE HUB — ISSUE 30 — APRIL 2020
10
We are still delivering superstar insurance during this time
Since the time NZ moved into Stage two, Star has enacted
our Business Continuity Plan. This has seen our core team move
into working from home. With our technology in place, we have
been able to continue business as usual.
It is important to note that you still can contact us on our
standard phone numbers and email addresses.
New Business / Endorsements / Renewals New business submissions are being rated and accepted, as
are endorsements and renewals. Please continue to communicate
and submit your business enquiries and closings through normal
channels to us.
ClaimsOur Claims and Assessing teams are still operational.
Please submit new claims as you would normally.
If the vehicle is involved in an accident over the lockdown
period, we expect the Police will arrange any tows that are needed
from the accident scene if the vehicle is undrivable. Where possible,
we will assess vehicles remotely. Unfortunately, the lockdown
means we won’t be able to progress any repairs until restrictions
ease as many repairers (if not all) are closed/working to repair
essential services vehicles only.
In these unsettled times, Star Insurance Specialists have enacted their Business Continuity Plan to ensure we can deliver stability to our policyholders, brokers like yourself, and our Star Insurance Specialists team.
Existing claims where vehicles are due for repair /already
in repair shops may be delayed in repair / delayed in their release.
Unfortunately, this is something outside our control, and whilst
we understand the inconvenience we ask everyone to be mindful
of the Level 4 constraints.
Accounts / Bordeaux payments Our accounts team are still operational. Please continue to
send your bordeaux and payments through the normal channels.
We will keep you updated if anything changes, along with updating
our Covid-19 page on our website.
Best regards
Nicholas Baker – Chief Executive Officer
Star Insurance Specialists
Please keep you and your family safe.
If your partner, parent, son or daughter (or any relation for
that matter) is one of the workers within NZ’s emergency teams,
healthcare, supermarkets or logistics industries - please pass on a
big thank you to them from everyone at Star Insurance Specialists.
AN IMPORTANT NOTE FROM THE TEAM AT STAR INSURANCE
THE HUB — ISSUE 30 — APRIL 2020
11
Meet The Brokers
Meet The Star Team
Regina Hertanto
Rothbury
Insurance Brokers
(Capital City,
Wellington)
Chris Black
RMA Financial
Blenheim
Annalee Caltaux
Key Account
Manager
Francis Mealamu
PIC – East Tamaki
I am originally from Manila in the Philippines where I completed a degree in Child
Psychology and practised school teaching in Manila then Jakarta (where my husband
originates from) then NZ. Teaching in this country felt different for me so I ventured on
sales and customer services. In 2012, I started as a Business Support Advisor at State,
then moved to AA before joining Rothbury where I love my role in Personal Lines.
Late last year we travelling to Europe, I especially loved the small cities of Sienna
and Lake Como. My favourite destination is Japan. I have two kids aged 10 & 5, this year
I’m turning the big 40. Outside or work my husband and I also do wedding photography,
which keeps us busy over the summer months.
I commenced my insurance career straight out of school in 2005 as a commercial
insurance adviser, here in Marlborough. 4 years ago I started my own broking business
specialising in commercial insurance for medium to large businesses. I’ve enjoyed the
challenge of building up the company and now have a team of 5 in the office. Outside
of work I’ve just built a new home here in Blenheim where I live with my wife and 3
young daughters. My hobbies include mountain biking, fishing & diving.
I’ve worked in the insurance industry for many years in both underwriting,
management and broking roles. After 10 years as office manager of a local brokerage
I am excited to be part of the Star Insurance family. Outside of work I enjoy the outdoors,
water sports, fishing, boating and enjoying the beach lifestyle. I live on the beautiful
Hibiscus Coast, am proud mum of two teenage girls and have recently celebrated
my 25th wedding anniversary.
I started in insurance with AMI back in 2007 and then worked for a number of
underwriters and brokers before my current position of Domestic Broking Team Leader
at PIC. I’ve been married to my lovely wife for 13 years, we have 4 beautiful children (3
boys & my little princess) who keep us busy. I enjoy music and social sports as well as
travelling, especially back to the islands such as Fiji, Samoa & Rarotonga.
THE HUB — ISSUE 30 — APRIL 2020
12
WRITER SCOTTY AND LINDAKIWISFLYTHECOOP.COM
Hanging out in Hanmer
The town is surrounded by dramatic mountains and
towering forests. There are some pretty amazing walking tracks
and cycle trails to experience. For the more adventurous (and
maybe not so budget wary) there is also bungy jumping, jet
boating horse trekking, a round or two of golf or skiing in the
winter.
Hanmer is only a 90 minute drive from Christchurch,
making it a popular weekend destination. Further on from Hanmer
you can head over the scenic Lewis Pass to the west coast of
the South Island. It’s the northernmost of the three main passes
across the Southern Alps and the scenery is spectacular with
extensive beech forests.
There are plenty of motel accommodation options in
Hanmer Springs along with a holiday parks, camping grounds
and a NZCMA park.
Conical Hill WalkWe parked our vehicle in the town centre and walked a short
600m to the start of the Conical Hill Walk to a lookout. As with
any lookout, there is an uphill slog to endure to get to the
treasure at the top.
It is a very popular walk so the track is well-formed and will
take you about 30 mins to get to the top. At the summit (550m)
the panoramic view is worth the effort. The view stretches out
across the flat valley to the mountains in the distance.
On ya bikeIf you are into cycling, then there are
many choices for you. Depending on your
skill, ability and fitness, there are mountain
bike trails for the extreme riders, down to
the ‘easy rider’ trails. There is also a loop
track you can do around the town centre.
Check out hanmertrails.co.nz
There is no doubting that Hanmer Springs is synonymous with the Hanmer Springs Hot Pools and although we like a good old soak there is so much more to explore in this area!
THE HUB — ISSUE 30 — APRIL 2020
13
Off-Road and St James Homestead Jollie’s Pass can be accessed from Hanmer Springs. Not far
out of town we found the warning signs regarding high clearance
and 4×4 vehicles only. There were certainly some deep ruts and
steep climbs to navigate. No wonder we didn’t encounter any
other vehicle from start to end.
We did manage to get partway up Acheron Road to a
camping area beside where the Archeron and Clarence Rivers
join. There was a large solid chain across the access road to
Molesworth Station, which is only open to drive from Labour
Weekend till Easter Sunday.
We backtracked to the road which took us to the St James
Homestead. This is where many start/finish the St James Walkway,
a 69km one way track.
We returned back to Hanmer Springs via Jack’s Pass.
This road is suitable for most vehicles, it is gravel but has
been well maintained.
Hot PoolsHanmer Springs is best known for
its spring! The best place to indulge, with
a range of pools, including relaxing rock
pools, soothing sulphur pools, an array
of water jets and bubbles - at a range of
temperatures. Perfect for a soak after a
long day of activities.
THE HUB — ISSUE 30 — APRIL 2020
14
The great Southland Cheese Roll
The Cooks Corner
Ingredients:
• 2 cups grated cheese
• 2 Tbsp dried onion soup mix
• ½ cup milk
• ½ loaf white or wheatmeal
sliced sandwich bread
• Melted butter (optional)
Method:
• Mix cheese, onion soup
and milk together.
• To make bread easier to roll up,
give each slice a light roll with
a rolling pin.
• Spread the cheese mixture thickly
on slices of bread and roll up.
• Brush with melted butter, if wished.
• Place under the grill on high heat
until the outside is golden and the
filling is hot. Serve immediately.
THE HUB — ISSUE 30 — APRIL 2020
15
The Kaitangata Car Show
Star Insurance was again a sponsor of the 2019 Kaitangata
Car Show and Cruise last November. We provided our new
tote bags for entrants containing sunglasses, chocolates and
brochures. Key Account Mangers John Edie and Joanne Smith
spent the day in glorious sunshine chatting to people about
their cars and insurance needs.
The cruise this year made its way from Kaitangata to
Lawrence, for a refreshment break and back through Clydevale
and returning to Kaitangata late afternoon. This years event
will be held on Saturday 7th November.
“This is the eighth year for the event, we try to keep it fresh and cater for everybody. I think the cruise adds another dimension as well. It’s not just a day of show cars.”
LOUISE MCLAREN SHOW SECRETARY
THE HUB — ISSUE 30 — APRIL 2020
starinsure.co.nz
Find us online: starinsure.co.nz Give us a call on: 0800 250 600
Handling every aspect of our policies in-house is good for you and your clients.
We are experts at creating and managing niche vehicle insurance policies. We specialise in RVs Motorcycles, Prestige, Vintage, Classic, Project and European cars. We prefer building solid relationships to create custom policies for your clients. But we also offer a self-serve option through our advanced, secure Broker portal system.
We’ve set the industry benchmark for 360 degree policy support because everything we do happens on one floor in our Auckland building. Not separate buildings, or cities or even countries.
We outsource nothing, which means we have an incredible wealth of knowledge inside our four walls. 9.9/10 times the person you speak to has the authority to make things happen.
Our underwriters sit next to the claims and assessing teams, so we can provide answers fast, oftenwhilst you’re waiting on the phone. That kind of superior, full service experience makes a huge difference to our brokers. But more importantly, it makes our brokers look like rock stars to their clients. Any questions?
5-Star service happens when all services are under one roof.
Underwriting
Support
AccountLiasionAssessing &
Logistics
Claims