RAM underwrites risks by using competitive but sensibly priced rates, which are frequently reviewed to take account of market changes, ensuring a high value product is provided.


RAM combines its efficient level of administration with a thorough approach to complete client satisfaction to provide a first class service. Claims are met with fast, decisive action, ensuring every valid claim is paid quickly.


RAM’s relationship with Lloyd’s means that risks are underwritten in a market which offers innovation, speed and better value. All RAM policies benefit from layers of security, including the Lloyd’s Central Fund; an unrivalled level of financial security.


RAM clients benefit from a FREE Bereavement and Probate telephone helpline service which has been designed to support our clients with any difficulties or challenges they are facing. Through this service, scheme members and/or their families can talk to a professional counsellor about their situation in a safe, secure and confidential environment.


We have always worked on an ethical basis which is part of the culture driving us and the Company forward. By combining this culture with our proactive approach, we are able to continue delivering outstanding value, security and trust.


Our administration centrepiece is a software package which has been developed according to specific group risk requirements, incorporating bespoke quotation and administration functionality. It is overseen by our IT department and has been developed in-house to ensure accuracy and speed.