Financial & Legal is a UK-based market leading provider of legal expenses insurance, regulated by both the Prudential Regulation Authority and the Financial Conduct Authority. Established in 1995, we started out providing Before the Event Insurance; following the introduction of the Access to Justice Act in 1999, we began underwriting After the Event Insurance too. We have a responsibility to clients to not only provide full protection but also ensure that our premiums are commensurate with the risk and kept as low as possible.

Who are Financial & Legal?

  • An insurance company who underwrite our own risks. This enables us to offer bespoke and specialist legal protection solutions
  • A dedicated team of professionals based in Cheadle, Cheshire, operating throughout the UK including Scotland and Northern Ireland
  • One of the first providers to create flexible, competitively priced ATE and BTE insurance products

Why Financial & Legal?

For only one reason – to ensure that the clients of our solicitors, claims management companies and our other business partners have the widest and most comprehensive financial protection available to them, thus enabling those clients to pursue their claim without the risk of any personal financial loss.

Our vision for legal expenses

Today, our experience and commitment to the development of innovative insurance protection positions us as one of the oldest and most respected names in the business.
As more businesses and individuals find the confidence to take legal action, the demand for flexible legal protection will grow. Financial & Legal work with you to meet this demand and add value to your client relationships.

The legal protection experts

Nick Garner

Nick Garner, Chief Executive Officer

Nick is a qualified accountant and has worked in legal expenses for over seven years. Prior to his appointment as managing director, Nick served as a non-executive director on the Financial & Legal Insurance board and is therefore well qualified to drive the business forward.

Nick recognises the challenges ahead and has the desire to ensure that Financial & Legal Insurance continue to develop innovative solutions and legal protection products so that the demands and needs of customers and clients continue to be met.

Mike Timmons

Mike Timmons, Managing Director

Mike has over 30 years' experience as an underwriter in general insurance with the last twelve years involved with legal expenses insurance. Mike is a Chartered Insurer and a Fellow of the Chartered Insurance Institute.

Mike is a strong advocate for access to justice for all and looks forward to the challenges ahead in the legal expenses insurance industry, particularly the development of legal expenses insurance policies to protect as many customers as possible.

Kyle Stubbs

Kyle Stubbs, Head of Business Development

Kyle is a senior sales and account manager with over 15 years' experience in the legal and medical sector, dealing with key decision makers, intermediaries, solicitors, medical companies and claims management companies.

Kyle believes in providing products and processes to meet customer and business partner needs and requirements.

David Green

David Green, Risk and Underwriting Manager

David has over 10 years’ experience working as an underwriter and senior underwriter at a number of leading Legal Expenses providers where he had extensive experience in managing large property accounts. His central belief is in providing access to justice through comprehensive, well researched products, coupled with an excellent claims service.

Rob Mycroft

Rob Mycroft, Claims Manager

Rob is a Fellow of the Chartered Institute of Legal Executives and an LSM accredited Mediator. With over 20 years’ experience in the legal industry, his fee earning background provides him with an understanding of the daily trials and tribulations faced by fee earners.

With this is in mind, Rob has a desire to provide maximum support to the solicitor without impeding their role or making their job harder.

Charlotte Yates

Charlotte Yates, Client Relationship Executive

Charlotte began her career in 2009 as a claims assistant, specialising in BTE claims.

In 2012 she transitioned to specialise in ATE cover and began training as a compliance assistant plus helping with solicitor auditing and recoveries.

Charlotte is responsible for managing solicitor accounts using her wide and varied experience across all areas of claims, recoveries and account management.

Find out more about our After the Event Insurance

ATE Insurance

After the event insurance covering: personal injury, road traffic accidents, clinical negligence, industrial disease, personal and commercial contractual disputes, debt recovery

Find out more about our Before the Event Insurance

BTE Insurance

Before the event Motor, Family, Commercial and Landlord policies covering; uninsured loss recovery, personal injury, property, employment and legal disputes

Find out more about our Home Buyers' Costs Insurance

Home Buyers' Costs Insurance

Protection from a property sale falling through as a result of: withdrawal from sale, adverse legal search, property valuation, redundancy, damage to the property, structural defects, terminal illness.