Established in 1995, we started out providing Before the Event Insurance, adding After the Event Insurance following the introduction of the Access to Justice Act in 1999. Financial & Legal clients benefit from full protection, premiums that are kept as low as possible and are commensurate with risk.
F&L are a wholly UK based Insurer, regulated by the Prudential Regulation Authority and the Financial Conduct Authority.
F&L are Solvency II compliant and publish an annual Solvency and Financial Condition Report.
F&L provide bespoke solutions across both BTE and ATE Legal expenses, in addition to a wide range of Insurance products, all underwritten in-house.
Our dedicated team of professionals are based in Cheadle, Cheshire providing bespoke and specialist insurance products, working with our partners and customers to develop innovative propositions to meet customers’ needs.
As a small and agile business, with no legacy constraints, we have the ability to tailor policies to meet specific clients’ requirements and dovetailed with our in house underwriting capacity allows us to respond rapidly to market changes.
We aim always to go further to understand our customers’ need, supporting them through continuous investment in our people and processes and in so doing achieve a position as a top three provider of market leading product legal expenses services products, claims services and ancillary product solutions.
Passion
We strive to exceed customer expectations, create value-driven solutions, and approach every goal with energy and enthusiasm.
Excellence
We are agile and adaptable, delivering solutions that achieve exceptional outcomes for our customers.
Development
We foster a culture of continuous learning, empowering colleagues to grow professionally and commercially.
Collaboration
We support, learn, and grow together, creating a team that drives, excellence, and a sustainable future.
Engagement
We foster a diverse and engaging environment that is fair, inclusive, and inspiring.
Financial & Legal Insurance is part of Drive Further which also includes Dualdrive, MSL and Supportis.
Drive Further is a family owned collective, built upon the strong foundation left by David Garner, who initially rented out his own Renault 5 to found the business in 1984. Now owned by his son, Nick Garner, the companies provide a wide range of services to Brokers, Intermediaries, SMEs, Insurers, Solicitors and their customers.
This report covers: The business and performance of the company System and governance Risk management Valuation for solvency purposes Capital management
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