InsuranceFinancialLegalwithapersonaltouch
25 years in the FinancialmakingLegal
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Solicitors
25 years of experience working with solicitors means that we are uniquely to them as well as their clients. Recognised as one of the leading legal expenses insurers, we ensure that we provide comprehensive cover with the minimum of administrative burdens.
Who We Work With We work with businesses who value speed to market from an agile insurance Partner with the in house expertise to deliver a comprehensive solution with attractive commercial terms, but also the ability to end customers needs.
We are proud to work with some of the foremost businesses in the legal and insurance sectors developing long term, interdependent partnerships to support our clients growth with competitive commercial terms supported by detailed management plans and reporting. products
Partnerships
Clients can depend on our ability to create tailor made solutions on both a proactive and reactive basis. All of our products offer competitive premiums and commercial knowledgeable and customer friendly claims team.
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How
FinancialLegal
Our Vision Through innovative products and fantastic Our Mission our customers’ needs, 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 legal expenses products, claims services and We Work –Our Culture values in action which support the mission and vision that we have for the business, all of which place the customer at the
Our Values We share our values with our wider group of companies –The Drive Further Collective Subject Matter Experts and we are able to leverage the wider expertise and Further We will go further Drive We are determined, honest and relentless in helping eachcustomersourandother
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, requirements and dovetailed with our in house capacity to also allow us to respond rapidly to market changes.
After the Event
The policy is for any clients who Accident that was not their fault. Our policy provides your customer with We can help if your customer has had an accident at work and does not have existing insurance in place. Taking legal action can be a stressful situation for anyone, particularly if they are still employed. We will also cover claims arising from illnesses and disease caused by your customer’s occupation.
Consumer Litigation and Financial Mis-selling
If a customer has an accident resulting in an injury in a public place and wants to bring a claim for compensation against the responsible party, then an After the Event (ATE) Occupiers Liability and Public Liability policy will help protect them from the risk of having to pay legal costs.
This policy would suit any consumer who feels that they have been the victim of mis-selling for example has someone retained a commission payment which was not disclosed to the customer? There may have been breaches of duciary duty or products and services misrepresented to a consumer at the time of purchase.
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• Contract Disputes • Property Disputes • Personal Injury • Professional Negligence • Probate Disputes • Tax Disputes
Family legal expenses insurance provides protection for a family for any legal disputes that arise. A successful claim will pay the legal costs to pursue and defend legal proceedings and any opponents’ legal costs. The policy also includes a 24-hour legal helpline to provide advice.
If there is a motor accident, not all losses are covered by the motor insurance policy. Motor legal protection insurance provides cover to recover any losses incurred following an accident which are not covered under the main motor policy. What do we cover? We have wide ranging Legal Expenses cover including; • Motor Prosecution Defence • Motor Contract Disputes • Vehicle Cloning • Licence Defence • Employment Disputes
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The policy pays costs to defend an employment dispute, along with any award of compensation, debt recovery, contract disputes, property disputes, squatter protection, legal defence, motor prosecution defence, licence protection tax disputes and personal injury. In addition, the policy provides access to a 24 hour legal helpline and an online document service so that policyholders are able to access and download
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Providing legal protection for landlords when a tenant stops paying rent and/or refuses to leave a property at end of the tenancy, Rent recovery, Tenant eviction, Tenant property damage, Legal defence, Squatter protection and Property protection, recovery of any rent arrears and gaining possession of property. Guarantee Guarantee insurance pays the monthly rent when a tenant stops paying until vacant possession is obtained or the tenancy ends.
documents including: • Contracts handbooks and letters. • Base commercial documents • E-commerce documents • Employment documents –contracts and procedures • Health & Safety documents
Rent
Rent
of approved repairers. Their mobile technology means that they can arrange to carry out the repair to your customer’s cars either at home or their place of work. Alloy Wheel A customer can have the cost of repairs to an entire set of alloy wheels insured with our alloy wheel insurance and we also pay a contribution to any replacement alloy wheels required.
Tyre
Scratch & Dent Our policy will ensure that scratches, dents and cosmetic damage are repaired by one of our nationwide
Insurance Our tyre insurance policy works by paying up to a limit chosen by the customer in the event of accidental damage or malicious damage
Motor Ancillary network
MOT Failure Insurance Driving without a valid MOT also invalidates a motor insurance policy which in turn brings more penalties including points on a licence or even a driving ban. Our policy will pay for repairs typically up to the value of £1,000 covering parts and labour to make sure that a car gets through the MOT retest as soon as possible and get customers back on the road safely and legally. We will even cover the retest fee.
Misfuel A Misfuel insurance policy from Financial and Legal will cover the cost of draining a customer’s fuel tank if the wrong fuel has been used –either in situ or if necessary, the vehicle will be towed to a nearby garage. Windscreen Our policy will cover the cost of repairs to or replacement of a damaged windscreen.
Bursting or sudden leakage of water pipes within the property
Failure of or damage to underground drains or sewers
Damage to, or mechanical failure of, the only accessible toilet or cistern in the property which results in complete loss of function house mice or brown rats within the
Break-inproperty.orvandalism compromising the security of the property.
Home Emergency Insurance
Home emergency insurance is an established product in the UK. thousands of policy holders each year who experience sudden unexpected problems in their homes, such as a boiler breaking down in winter or needing to remove a wasps nest. These are just two of the problems our home emergency cover is designed to help with.
What do we Cover?
Failure of the mains services for which they are legally responsible be that electrics, water, gas or sewage
All of our policies will cover plumbing and drainage and primary heating system for sudden and unexpected events like burst pipes. In addition, customers can add on as much or as little as they need from a range of additional home emergency covers.
Complete failure of the central heating system involving a boiler or warm air unit
Assistance Products
The full list includes:
Our home emergency insurance policy will give complete peace of mind with four levels of cover to choose from.
Vehicle Breakdown
Our vehicle breakdown cover is an insurance product that is designed to provide cover in the event a customer’s car breaks down during the period of insurance either in the UK or if required overseas. Our products provide roadside and home start options, and we can offer vehicle breakdown cover for any type of motor vehicle including taxis, small vans, HGVs, motorcycles as well as cars, motorhomes and caravans We also offer costs to assist with onward travel such as replacement vehicles and hotel accommodation where required.
Excess protection reimburses a customer the cost of any excess they may incur following a successful insurance claim under one of their main insurances, whether it is their home insurance, motor insurance, travel insurance, or pet insurance.
The property valuation is lower than expected
The home buyer policy pays for the cost of: Surveyors or valuation fees, legal costs, legal searches, mortgage arrangement fees.
What do we Cover?
The Homebuyer wants to pull out of the purchase because of an adverse legal search
Additional Protection Home Buyers Protection
The home has structural defects.
The home buyer is made redundant or has a terminal illness
Home buyer protection insurance provides cover when a sale collapses for the following reasons: The vendor/seller withdraws due to gazumping.
Home buyers incur a number of expenses in connection with the purchase of a home. If the sale does not proceed these costs are often lost.
It has happened to us all at some point. We lose or mislay our car keys or house keys at the most inconvenient of times. Losing keys – or even worse having them stolen- is a real cause for concern. However, with one of our key cover insurance policies, help is just a phone call away.
Replacement Vehicle
In the event that customers are unable to use their vehicle following an accident or theft they car hire costs which they may then have to reclaim at a later date. Our policy covers those costs of hiring a vehicle, also known as a courtesy car, following a valid insurance claim on a customer’s motor policy. Motor Personal Accident
The policy offers comprehensive cover if your customer suffers a personal injury or any temporary or permanent disabilities such as loss of limbs. Our motor personal accident insurance will also make a payment in the event of the death of your customer following a motor accident.
Key Insurance
Our policy will provide access to a nationwide network of locksmiths via our emergency helpline. They will make sure your customers can access their car or home and provide them with peace of mind.
Contact Us To learn more about how our hands-on approach to partnerships can enhance your business please contact us T: 0161 6032140 FinancialE:Legal CC3822