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Secure applications

General tools

Crystal provides Lloyd's market participants with quick and easy access to international regulatory and taxation requirements. Request access to Crystal and the Risk Locator Tool to be added to your Lloyds.com account and benefit from:

  • Access to secure content
  • Risk location guidance
  • Regular updates on regulatory and fiscal requirements via the Weekly Digest. The e-alerts in the Weekly Digest are stored in the Compliance Officer e-Alert secure area on Lloyds.com. To obtain access to this secure area, a lloyds.com account and special permissions are required. To receive the Weekly Digest, and/or view its content, please seek written approval from the Head of Compliance and forward to LITA@lloyds.com.
  • Ability to save your favourite searches.

Who should use it: market participants (managing agents, registered Lloyd's brokers, approved Lloyd's coverholders)

What is it useful for: keeping fully informed of regulatory and taxation requirements that need to be considered when trading in or from the UK or overseas.

Request access to Crystal secure content

Contact: Lloyd’s International Trading Advice (LITA), Lloyd’s Desk, Ground Floor, Lloyd’s Underwriting Room, +44 (0)20 7327 6677, LITA@lloyds.com.

How long will my application take: We try to provide access during the standard UK working week within two hours; however, applications can take up to 48 hours.

The Risk Locator Tool (RLT) assists in determining the territories whose laws, regulations and tax laws apply to an insurance contract, with specific guidance on the legal position in each jurisdiction available on Crystal.  Risk location is a complicated subject dependent on many factors, including territory-specific risk location triggers and class of insurance business. The RLT simplifies risk location triggers for over 200+ territories and 218 classes of business. 

Access to the Risk Locator Tool is granted to members of the Lloyd's market, which includes approved Lloyd's coverholders, registered Lloyd's brokers, and managing agents.  Access to the tool is grouped with access to Crystal.

Who should use it: market participants (managing agents, registered Lloyd's brokers, approved Lloyd's coverholders)

Useful for: establishing the location of your risk

Request access to the Risk Locator Tool

Contact: Lloyd’s International Trading Advice (LITA), Lloyd’s Desk, Ground Floor, Lloyd’s Underwriting Room, +44 (0)20 7327 6677, LITA@lloyds.com.

How long will my application take: We try to provide access during the standard UK working week within two hours; however, applications can take up to 48 hours.

Statistics Relating to Lloyd’s is a statistical guide to the Lloyd’s insurance market and provides an easy to use reference for key facts and figures relating to the Lloyd’s market.

For: market participants and anyone interested in Lloyd's.

Useful for: it contains a high level overview of the Lloyd’s market and how it operates, Lloyd’s premium rate index, capacity information, plus summary financial statements for all active syndicates, and analysis of historical syndicate performance for all active syndicates comprising combined ratios/syndicate market share/key performance ratios/detailed statistics on premium income, claims, and loss ratios.

Access Statistics Relating to Lloyd’s

Contact: stats@lloyds.com

How long will my application take: up to five working days.

Specialist tools

Contains newsletters, details of our educational programme and other areas of interest to Lloyd's Agents.

For: Lloyd's Agency managers only.

Access Agency Noticeboard

Contact: lloyds-agency-network@lloyds.com.

How long will my application take: up to five working days

A market system that makes the process of managing coverholders faster and more efficient whilst raising standards.

For: managing agents, brokers, coverholders, Lloyd’s representatives.

Useful for: accessing coverholder details, the addition of new coverholders, changes to existing coverholder details, annual coverholder compliance.

Access Atlas

To obtain access follow the process detailed on the Atlas pages here.

Contact: your devolved administrator. If your devolved administrator cannot resolve your problem, call the Coverholder Systems help desk on +44 (0)20 7327 6276 or email it on coverholders@lloyds.com.

How long will my application take: you will receive a confirmation email within two working days and once approved access is immediate.

Auction allows users to have access to buy and sell in the capacity auctions.

For: members' agents, managing agents and verified third parties.

Useful for: buying or selling syndicate capacity.

Access Auction/Apply for Access

Contact: lloyds-auctionoffice@lloyds.com

How long will my application take: Up to three working days.

An online market system for the registration of Lloyd's binding authorities by brokers and direct-dealing managing agents.

For: brokers, managing agents, coverholders, Lloyd’s representatives.

Useful for: brokers and managing agents can register binding authorities. Managing agents can also view the binding authorities that they lead. Binding authority agreements are contracts which set out the scope of delegated authority and so allow coverholders to enter into contracts of insurance and to issue insurance documents on behalf of Lloyd's managing agents. All binding authorities (other than restricted binding authorities) must be registered.

Access BAR

To obtain access: contact your devolved administrator.

Is there a Devolved administrator capability? Yes

Whom do I contact if I need help with my application: your devolved administrator. If your devolved administrator cannot resolve your problem, call the Coverholder Systems help desk on +44 (0)20 7327 6276 or email it on coverholders@lloyds.com.

The Catastrophe Portal collates Factual information on the major catastrophes affecting the Lloyd's Market, as well as communications from the Lloyd's Market Catastrophe Co-ordination Group.

For: managing agents only.

Useful for: It is intended to be a central resource for the Market on catastrophe information in order to support the objective evaluation of claims.

Access the Catastrophe Portal

To obtain access: In order to view the Catastrophe Portal, you must have a lloyds.com account and valid subscription.

Step 1: Create a lloyds.com account
Step 2: Request access to the Catastrophe Portal

Contact: claims@lloyds.com

A web system that allows users to submit financial and insurance returns to Lloyd’s.

For: managing agents and recognised accountants.

Useful for: submitting returns.

Access CMR

Apply for access: Contact your devolved Administrator/Core Market Returns Administrator

Is there a Devolved administrator capability? Yes

Contact: Contact your devolved administrator

How long will my application take: up to five working days.

A process that enables managing agents to report regulatory & tax information directly to Lloyd’s for service company business.

For: Managing agents service companies - 100% business – where an insurer underwrites the whole risk or ‘Separate’ subscription business - where an insurer underwrites part of a risk using a separate insurance document to other insurers which underwrite that risk.

Useful for: reporting transactions at a transactional level as opposed to reporting information being derived from the bureau accounting process and aggregated. Breaks the link between accounting and reporting.

Contact: direct.reporting@lloyds.com

The special interests group brings together Lloyd's market representatives to discuss and feedback on emerging risks that could affect Lloyd's on a range of different timescales.

For: The group is available to Lloyd's managing agents only

Useful for: Emerging risks discussions and information sharing

To obtain access: Email emergingrisks@lloyds.com.

Access the Emerging Risks group

Contact: emergingrisks@lloyds.com

How long will my application take: up to five working days

Description: FAL, or Members Access, allows Members of Lloyd’s to access their Funds at Lloyd’s (FAL) information. The service is available 22 hours per day and provides the following information:

  • Summary of personal details
  • Client Broker agreements
  • Dividend and interest instruction
  • Third party owners 
  • Funds at Lloyd’s valuations 
  • Funds at Lloyd’s transaction data 
  • Interavailable fund details for those members with an Interavailable Arrangement in place.

For: members and members’ accountants.

Access FAL

Apply for access: email members-access@lloyds.com for an application form

Contact: Market services

How long will my application take: three to five working days.

Under EU law requests for the insurance of public resources, such as hospitals, must go to tender if it is predicted that they will be over a certain amount of money. IWT allows Lloyd’s Italian Office to make tender documents available to subscribers in a secure, bi-lingual way.

For: Lloyd's Brokers, Coverholders and Open Market Correspondents.

Useful for: obtaining information to assist in tendering for public insurance contracts.

Access Italian Web Tender

Contact: Lloyd’s, Rappresentanza Generale in Italia, Corso Garibaldi, 86, 20121 Milano, +39 (0) 2 637 888 1, informazioni@lloyds.com.

How long will my application take: Up to five working days

Find out about the role played by Lloyd's Salvage Arbitration Branch in the administration of Lloyd's Form of Salvage Agreement (LOF) and obtain up to date information on the latest LOF cases as well as details on the background and workings of LOF, which has been the preferred contract of the professional salvage industry since its introduction in 1908.

For: Lloyd’s agents

Useful for: LOF Award information

To obtain access: Contact a member of the Salvage arbitration branch

Contact: Salvage arbitration branch

How long will my application take: up to five working days

The Member Modelling Software enables users to model participations and establish Economic Capital Assessment (ECA) requirements.

For: members' agents, managing agents and members.

Useful for: modelling participations and establishing Economic Capital Assessment (ECA) requirements.

1) To obtain access: please complete this application form linked here. Once completed please follow the returning instructions at the bottom of the form.

2) Please also note that your firm is required to complete this document, unless previously completed.

Contact: Lloyds-MRC-Help@lloyds.com

How long will my application take: Up to five working days

MOCHA assists Lloyd’s coverholders in the issuance of Lloyd’s insurance documentation in Italy.

For: parties granted access by Lloyd’s Italy, including coverholders, brokers, and managing agents.

Useful for: it allows the coverholder to capture policyholder details, risk and premium data which forms the basis of the insurance certificate. In addition compliance with certain key elements of the binding authority is verified before the insurance documents are electronically signed.

Apply for access

Access MOCHA

Contact: Lloyd’s, Rappresentanza Generale in Italia, Corso Garibaldi, 86, 20121 Milano, +39 (0) 2 637 888 1, informazioni@lloyds.com

How long will my application take: Up to five working days.

The Overseas Reporting System is for managing agents to use to complete the quarterly US and Canadian regulatory reporting returns for the syndicates that they manage. These returns are made available to managing agents in accordance with the dates detailed on the Business Timetable. Outside of the quarterly reporting process, managing agents can view completed returns from previous quarters.

For: Managing Agents

Useful for: US and Canadian regulatory reporting.

Access ORS

To obtain access: Contact your devolved administrator. Managing agents with syndicates required to report this business will automatically have access

Is there a Devolved administrator capability? Yes

Contact: Your devolved administrator

How long will my application take: Dependent on your devolved administrator

The restricted coverholders system allows managing agents to record their relationships with UK firms who enter into contracts of insurance on behalf of Lloyd's underwriters, but who are not required to be approved as coverholders.

For: managing agents.

Useful for: all managing agents are required to record their relationships with restricted coverholders. All of the relationships that are created in the system will appear on the register of coverholders.

Access Restricted Coverholders

To obtain access: contact your devolved administrator.

Is there a Devolved administrator capability? Yes

Contact: your devolved administrator. If your devolved administrator cannot resolve your problem, call the Coverholder Systems help desk on +44 (0)20 7327 6276 or email it on coverholders@lloyds.com.

How long will my application take: Up to five working days

Stamp allows users to have access to auction and stamp documents and reports which are specific to them.

For: members' agents, managing agents and verified third parties.

Useful for: accessing user-specific auction and stamp information.

Access Stamp

Contact: Lloyds-Market-Services-Syndicate-Stamps@lloyds.com

How long will my application take: Up to three working days

Other applications

Statistics Relating to Lloyd’s is a statistical guide to the Lloyd’s insurance market and provides an easy to use reference for key facts and figures relating to the Lloyd’s market.

For: market participants, anyone interested in Lloyd’s.

Useful for: it contains a high level overview of the Lloyd’s market and how it operates, Lloyd’s premium rate index, capacity information, plus summary financial statements for all active syndicates, and analysis of historical syndicate performance for all active syndicates comprising combined ratios/syndicate market share/key performance ratios/detailed statistics on premium income, claims, and loss ratios.

Apply for access: if you wish to download Statistics relating to Lloyd’s but are not a market participant, there is a charge of £2,500. You can order it here. See this link for terms and conditions, and timescales.

Contact: stats@lloyds.com

If you are an underwriter, wordings technician, or broker, you know that all the terms and conditions of an insurance contract - including policy wordings - need to be certain before policy inception. To help you achieve contract certainty, the Lloyd's Wordings Repository enables you to view vetted policy wordings and clauses regularly used within the London market.

For: underwriters, wordings technicians, brokers.

Useful for: two types of searches are available - simple and advanced. You can access the wording or the clause you wish to view or print by entering the reference number or a partial reference. Alternatively, you can conduct selective searches by market, class of business, jurisdiction or language or by searching the text, title or effective date of the policy wording itself. The advanced search capabilities also allow you to search within different sections: core, managing agent, broker or third party. You can choose as many sections as you wish, as well as selecting active or archive content.

Apply for access: complete an application to the LMA: lma@lmalloyds.com

Contact: lma@lmalloyds.com

Lloyd's Access Framework administration user guide

Guide for Devolved Administrators

This document provides a user guide for Devolved Administrators of the Atlas, Core Market Returns and Overseas Reporting System applications.

Download