0161 603 2140

Our team of experts

UK based specialists delivering bespoke legal expenses solutions underwritten in-house.


25 years in the making

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.

Meet the team

Our vision

Through innovative products and fantastic service we will find solutions to your problems, drive away stress and instil confidence in our customers.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

Our expertise

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.



Why we’re different

  • We provide the most comprehensive financial protection, enabling your clients to pursue claims without the risk of any financial loss.
  • Innovation is key and as such we were one of the first insurers to create flexible, competitively priced ATE and BTE legal expenses products in addition to a range of ancillary and specialist general insurance products.
  • Our team keep abreast of key industry changes and evolve our suite of products to ensure we continue delivering one of the market leading protections.
News & reports

Our mission

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.

Our vision

Through innovative products and fantastic service, we’ll drive away stress and instil confidence in our customers.


We are determined, honest, and relentless in helping our customers and each other.


We will go further to provide the very best service. And by doing this we will further ourselves.


Drive Further

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.

Solvency & financial condition report (SFCR) 2022

6th April 2023

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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