Benefits for the Policyholder

There are many benefits of using RAM, some of which are listed below.


  • RAM underwrites risks by using competitive but sensibly priced rates, designed for longevity and subject only to changes in scheme composition and future claims experience. Our rates are constantly under review 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. Policyholders can be assured of our close attention to detail at all times and can be confident that claims will be settled quickly, removing any additional pressures at the time of loss.


  • RAM’s special relationship with Lloyd’s means that risks are underwritten in a market which offers extensive experience and a level of financial security which is unrivalled. All risks we underwrite benefit from the security of Lloyd's central resources, including the Central Fund which is available to meet any valid claim in the unlikely event that it cannot be met by the resources of a member.


  • 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 in the event that a bereavement is suffered. Through this service, scheme members and/or their family 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 the culture driving us and the Company forward. By combining this culture with our proactive approach, we are able to continue delivering integrity, value, security and trust.
Combining the security of Lloyd's
with the expertise of RAM
Specialist underwriters with over 30 years experience
Risk underwriting, Administration and Marketing
Authorised and regulated by the FCA