About Us

Why RAM?

Benefits For the Intermediary:

• RAM specialises in providing a first class service standard to the intermediary market. It has been described as having "market leading service standards", a reputation which the Company is extremely proud of - and strives to maintain.

• RAM's experienced personnel are able to perform all functions of group risk business. It operates a 'Full Contract Cycle' system which enables administrators to competently deal with all areas of group risk administration, providing the intermediary with a direct one on one service without the need to work through the complexities of large company structures.

• RAM's administration centrepiece is a computerised system which has been developed according to specific group risk requirements. Separate bespoke quotation and administration systems, which are supported by two leading plc companies and overseen by RAM’s IT department, have been developed in-house over time and ensure accurate and quick responses to intermediaries.

Benefits For the Policyholder:

• 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. 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 RAM’s 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 underwritten 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 has always worked on an ethical basis which is the culture driving the Company forward. By combining this culture with its proactive approach, RAM is able to continue delivering integrity, value, security and trust.