AXA Connect

A Broker's Guide to Supplying ERN Data

What you need to know

Brokers, particularly those operating delegated authorities (DAs), MGAs and software houses are important stakeholders for ELTO, since they will be the link between the insurer and the client, in capturing policy information for the ELD.

From 1 April 2011  Mandatory policy record data for new and renewed policies to be added to the database.
From 1 April 2012  Requirements for additional information to be met, namely full listing of Subsidiary Companies and all ERNs (including those of Subsidiary Companies). 
From 1 April 2014  The end of the transitional period. All records from 1 April 2012 must have all ERNs and Subsidiary Company data supplied. 

We can collect the data from you on individual cases or, if you prefer, in volume, through a spreadsheet of all your AXA cases. Individual risk presentations will need to provide all insurers that write EL insurance with the relevant mandatory information required for the database.

Where to find Employee Reference Numbers (ERNs)

The FCA has introduced a transition period for collecting ERN data, but we still need you to continue to collect and supply the data now.

An ERN is allocated to all UK businesses where any employee is paid above the prevailing PAYE threshold. The ERN is shown on the P45, P60, P11/D and many payslips.

A minority of employers do not have an ERN, including those that:

  • Pay all employees below the Lower Earnings Limit, none of the employees has another job, and none of the employees is in receipt of a state or occupational pension or other employee benefits,


  • Are registered in the Isle of Man, or the Channel Islands (these have no tax presence in the UK).

Some employers may possess more than one ERN, including those operating separate PAYE schemes for different business locations, ex-pats or company directors. We need to be supplied with all ERNs. At this stage we will add the ERN relating to the majority of employees to ELD.

Further information

View the video below where BIBA's Steve Foulsham gives you the lowdown on what you need to know.

For more information on the threshold limits, visit the HMRC website.

Read BIBA's ELTO guide

Visit our Frequently asked questions page