Legal Expenses Insurer with vision

Specialist legal expenses insurance provider since 1995.

We provide solicitors with legal protection insurance products

that are innovative, flexible and competitive.

ATE Insurance

Cover for the pursuit of claims including personal injury, road traffic accidents, industrial disease, personal and commercial contractual disputes and debt recovery.

BTE Insurance

Cover for the pursuit of claims including Motor, Family, Business, Commercial and bespoke schemes.

Home Buyers’ Costs

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.

About Us

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.

Our previous ATE insurer just did not pay genuine claims. Having researched the market we decided to partner with Financial and Legal Insurance. I have found their policies some of the best on the market today. The procedures for setting up new policies are easy to use and the service, including claims, is always first rate. I would have no hesitation in recommending their services to anyone. 

David Bott

Partner and ex president of APIL, Bott & Co 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 & Legal team and their personal approach mean we can now sell products with the confidence that we are providing our clients with maximum security and protection. 

Pabla and Pabla Solicitors

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

Meet the team

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.

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.

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.