"We have used the services of Lawshield UK Limited since July 2006 for our Motor Legal Expenses service and also for handling certain aspects of our Motor claims.
During that time they have met and often exceeded our demanding service level expectations and have proved to be very professional and diligent.
I am delighted that Chubb is able to continue our partnership with them."
Mark Jordan, UK Claims & Services Manager - Chubb Insurance
"Our management team have the skills to service the needs of our broker, insurer, MGA, and affinity customers."
"We are here to assist you and our intention is to be courteous, helpful responsive and reliable as well as to enhance your customer experience and improve your profitability."
Contact us today and we will help you achieve your goals.
Schemes & Underwriting Manager
Broker Liaison Co-ordinator
PCH Claims Manager
I am part of the management team responsible for the implementation of new schemes, coordinating all aspects of the technical requirements both internally and externally, to deliver the requirement and thereafter maintain a hands on management role in respect of operations across the business. This includes being the central point of referral for liability and complex claims issues, general account management and assistance in general development and evolution of the business across several departments.
I have worked in the insurance market since 1998 and joined the Connexus Group in 2003 having previously worked for AA Insurance , Legal & General, Brownsword Associates, Reed Insurance and Donns Solicitors. I have been in a management role since the mid 90’s!
First and foremost, being a dad to two troublesome teenagers.
Likes: Man City, yes I was there when they were really rubbish. I also love my Cocker Spaniel, Bailey, she is the little girl I never had. Dislikes; I treat people like I want to be treated, when I don’t get this in return, I don’t like it!
Since stopping playing football 10 years ago, I took up running (mostly a 10k runner) but I have recently moved to half marathons, I also got hooked on open water swimming and I bought a road bike, natural course of events has taken me to do a few triathlons. I love the outdoor challenge! This year I have talked 9 colleagues to join me in the North West Tough Mudder event.
To assess all classes of business, make informed underwriting decisions that comply with company policies and procedures alongside assessing risk to the business.
Previously I worked as an Underwriting Assistant for Brightside Group PLC. I underwrote on behalf of Zenith Insurance and Ageas Insurance on MGA and delegated authority schemes, respectively. My main responsibilities were to make risk based underwriting decisions and update/maintain product rates in Polaris.
I am most proud of my commitment to my fiancé, family and career. I’ve moved across half the country, from Bristol to Liverpool, to live with my partner and further pursue my career in insurance.
I like foreign foods, rainy days, lie ins and Netflix. I dislike coleslaw and traffic.
My hobbies include watching TV shows and documentaries on Netflix. Going out to the cinema and for food. Reading books and playing computer games.
PCH Claims Manager
My role is to operationally manage the hire team within the Connexus Group. I work with the team to ensure we deliver a premium service to clients and exceed expectation. I have a strong work ethic and aim to develop the team and drive results
I have worked in the industry since graduating and have held previous claims posts with Direct Line & AON before joining the Connexus Group in 2003.
Completing the London Marathon last year was an achievement and was probably the toughest challenge to date!
? I like people and their stories! I dislike ignorance and people who take themselves too seriously.
I enjoy socialising with friends, preferably over food & drink! I like to keep fit and enjoy running and competing in various races and events.
I am responsible for a management team of 20 and over 205 employees; my role is to oversee operations on a macro level, and ensure the business activities we engage in comply with requirements of our regulatory bodies, are financially viable and marry the needs of our business, our professional clients and the end user of our products and services.
I qualified as a Solicitor in 1981 at London University and worked for two law firms in the North West for three years. I opened my first business at 29 and have been running successful businesses now for 30 years; during that time I have gauged the changing nature of legal and insurance businesses and there is now significantly more emphasis on technological advances and use of the web. What has not changed is the need to provide quality of service and for both you and your staff need to be available and accessible to service the needs of your customers.
I am proud of my staff and the way many of them have progressed from junior staff members to managers with considerable skills. I recognise the need to mentor them and harness those skills if the business is to continue to grow organically and profitably as it has without merger or acquisition.
This means it has retained the same philosophy and continuity which is key to progression in the industries in which we trade.
In terms of key achievements in business terms I would cite three - the first the obtaining ( and retaining) of the contract for the outsourced management of motor claims for the leading high net worth insurer in the UK; the second the securing ( and continuance ) of a long term contract with the second largest motor manufacturer in the World to run their motor accident management scheme and build and manage their branded websites for their automotive ancillary products.
The third is the development of out digital services division over the last four years; this now provides a full range of products to assist brokers, insurers, motor manufacturers, affiliates and finance businesses in providing an end to end forum for the web sales and administration of insurance products.
On a personal level I am proud of the achievements of my two children and am grateful for the support of my wife and family.
I like people who have a positive “can do” attitude and who strive to achieve their potential. I dislike bosses who are not prepared to “get their hands dirty” and work hard but expect others too! I like people who are honest and straightforward and expect value for their money or effort. I dislike those who are ingenuous or mislead; it is not an approach that helps you to succeed in the long term.
I like to keep fit within my limitations so Pilates, Golf, Tennis and walking are my sports. I also enjoy music and play and collect guitars. I love spending time with my wife and kids and I particularly look forward to brunch on a Sunday.
Schemes & Underwriting Manager
I am part of the senior management team responsible for schemes and underwriting. This includes being a central point of contact on general account management, performance, pricing and underwriting.
Prior to joining LawShield in June 1998 I worked at ULR Services as an uninsured loss recovery claims advisor. At LawShield I’ve held a variety of roles over the last 17 years but started with the firm as the main point of contact between our in-house claims department and panel solicitors on complex cases. Whilst undertaking this role and working closely within the legal market I’ve developed Before the Event and After the Event legal expenses schemes and have Binding Authority Agreements with various insurers.
I’m proud of reducing my golf handicap over the last few years and winning a board competition at the golf club.
Likes: Eating out and trying different food and drink that you wouldn’t normally have at home. I also like Manchester City. Dislikes : Traffic and celery!
Golf, football, cricket and watching most major sports. I love music and concerts and spending quality time with my 2 children and partner.
I joined Connexus in September 2013, in the newly created HR role. I provide an full HR service, supporting recruitment and retention, employment law, training and development, compensation and benefits administration.
I have worked within HR for almost 30 years, working for companies such as the BBC, Credit Suisse, News International and several global companies, where I gained international employment law knowledge. I have also been a prison visitor to both juveniles and lifer’s.
I like Cream cakes, Split n’ fish, red wine, people with common sense, Volvo trucks! (I love tankers especially!)
I dislike Laziness, Warrington RLFC (not helpful when I work in Warrington), white wine
Watching St Helens Rugby League (I have been a regular spectator since the age of 6), Looking after my 4 cats, reading true murder stories
I am currently the Claims Controlling Quality Manager for Connexus Claims Solutions. My background is in the General Insurance & Commercial Insurance sectors, with over 25 years experience in sales, service & claims, 11 years the latter with Direct Line Group as a National Run Off Manager and team leader.
I have been fortunate to work for a number of well known insurers and insurance brokers. I have specialised in Motor HNW and general motor but also PL / EL, commercial combined for SME's and I have also been a Motor / Household Underwriter for many years as well as an Equine & Livestock Underwriter for the NFU.
I believe my experience gives me an understanding of both sides of the insurance market place and a thorough knowledge to deal with complex claims and decisions for the Broker & Insurer Schemes. I have a wealth of team and departmental management experience which gives me the ability to drive my people to deliver an excellent customer claims service at all times. I am a CII certificate holder & business management accredited also.
Likes: I enjoy socialising with my friends and family. Enjoy a good book and my holidays abroad. Dislikes:Wasted time, lateness, tomatoes and celery.
In my spare time I enjoy spending time with my children and help to teach them with my wife to ride on our horses and enjoy the obligatory holidays abroad when I can.
I am part of the senior management team responsible for liaising with the business and IT to understand what processes need to be built for any new affinities and schemes.
I have worked in the insurance market since 1988 and joined the Connexus Group in 2012 having previously worked for Virgin Money , HSBC, Choicequote Insurance Brokers and other insurance brokers over 25 years.
Being a dad to two daughters and a son.
Likes: Leeds United, Dislikes; Any sort of traffic and coconut
Any sport really but mainly golf, cricket and badminton. Spending time with my 3 children and partner and just recently gardening and long walks in the country!
I joined the Connexus Group of companies in 2007 and have responsibility for Compliance across the group. Ensuring we continue to comply with the requirements of the various regulators. I work with all areas of the businesses and have input into product design & system enhancements. I work closely with key business partners and participate in various due diligence visits evidencing that our business is delivering the prescribed level of service. In my time with the group we have grown quite significantly and continue to do so however this is controlled growth and each area of the businesses compliments the other.
The world of Compliance is constantly changing, challenging and rewarding.
I have 25 + years experience in the insurance industry with RSA, predominately in the claims area. I moved into the Compliance area in 2003 progressing to the role of Senior Risk & Compliance Consultant. I was part of a team responsible for 2000+ claims staff across the UK and BPO’s. We were responsible for compliance themed monitoring across the business, creation and delivery of related training. Oversight of the individual business areas risk returns. Reporting through at executive / board level and supporting the Approved Persons.
Learning to drive at 40+ and passing first time.
LIkes: Spending family time and gardening.
Dislikes: Being bored…………. (doing profiles!!)
I am a keen gardener and enjoy eating out and sampling new cuisine’s. When babysitting allows.
Data Analyst and BI Reporting Solutions Developer
I joined Connexus early in 2015. I specialise in in implementing automated solutions for reviewing, analysing and reporting data across the Connexus Group and co-ordinating secure data transfer to and from our business partners.
I have 20 years of experience working in Information Technology for variety of companies in both permanent and consultancy roles. I have been worked in a number of sectors including retail and utilities but most of my recent career has been in financial services (HSBC, M&S Bank) and general insurance (Royal and Sun Alliance, Carole Nash.)
Being a dad to a handsome young teenage son. I attribute this to good genes (mostly his mother’s).
I like working with people and businesses to implement robust, reliable and innovative solutions. I dislike the fact that Liverpool Football Club seems destined never to win the premier league.
I enjoy sport, cinema and music. I also enjoy tinkering with my classic air cooled VW campervan and using it to visit campsites and music festivals particularly in the North West and Wales.
Product and System Trainer
My role is to support the growth of Lawshield as we develop and enhance our Digitial Sales Platform (DSP) and website, working closely with our Brokers, providing support, guidance and training on our products and systems to increase sales performance and continued growth.
I have 9 years insurance industry specialising in the design, implementation and training of new technologies, supporting many leading insurance companies.
Reaching the summit in Snowdon in treacherous weather conditions. Running the women’s 10k in 41mins 18 secs (beating a lot of the men may I add!). Raising £13,000 for the Booth Centre; Manchester Homeless Day Centre.
I love Tapas, cocktails, Croatia, the odd festival & happy positive people. Dislikes, rudeness and ill-mannered people! It’s nice to be nice and manners cost nothing!
I love getting my waterproofs on & going fell walking in the Lakes. I work alongside a couple of global DJ’s carrying out volunteer work for homeless charities in Manchester, Liverpool and Leeds.
Ken Specter, Managing Director at Lawshield UK, sat down with Sian Barton, Commissioning Editor of Insurance Age at BrokerExpo 15 to discuss Legal Expenses, Ancillary Products, Support Services and the new Digital Sales Platform.
Check out the video on our YouTube channel below:
Landlords – Are you aware of the change in legislation?
The Government announced yesterday that from 1 February 2016 private landlords in England will have to check whether prospective tenants have the right to live in the UK before renting out property.
So what is the Right to Rent?
The Right to Rent checks were brought in under the Immigration act 2014 as part of the Governments stricter reforms on immigration. New rules introduced mean that landlords will face penalties of up to £3,000 if they do not check the right of new tenants to be living in the country.
“Right to rent checks are quick and simple, and many responsible landlords already do them as a matter of routine. We are providing landlords in England with all the advice and support they need before the checks go live on 1 February 2016.
The new rules are part of the Immigration Act 2014 which introduced measures to reform the immigration system. Right to rent is about deterring those who are illegally resident from remaining in the UK. Those with a legitimate right to be here will be able to prove this easily and will not be adversely affected.”
But despite their assurances, the move has caused widespread controversy and criticism, with many claiming the Government are using landlords as border control. Speaking in the Independent on Sunday, Shadow Home Secretary Andy Burnham warned:
“On this evidence, Right to Rent in its current form could lead to widespread discrimination. Of course, we have come a long way as a society since landlords displayed unwelcoming notices in their windows. But the new document checks could become the modern equivalent of the ‘no dogs, no blacks, no Irish’ signs and, by being more insidious, such casual discrimination will be far harder to challenge.”
Gov.UK states: “Under right to rent, landlords should check identity documents for all new tenants and take copies. If a potential tenant has an outstanding immigration application or appeal with the Home Office, landlords can conduct a check on that person’s ‘right to rent’ via the Landlords Checking Service.”
At Lawshield, we provide Landlord Legal Expenses, covering legal costs and expenses incurred when the tenant fails to perform their obligations set out in the terms of Tenancy Agreement such as court and bailiff fees. We provide expert legal advise via specialist solicitors the process is hassle free.
We also offer Rent Guarantee to ensure arrears are covered, as well as Landlord Home Emergency. For further details on all of our features visit www.Lawshield.co.uk.
According to a 2015 survey conducted by Auto Express, a quarter of breakdowns are caused by a flat battery. Cold temperatures and increased pressure on the battery (by using heaters, windscreen wipers and lights more frequently) increase the risk of a flat battery. Another common cause of breakdown in the winter months is getting a puncture, due to a drop in tyre pressure from lower temperatures outside and/or kerb impact.
The chance of you needing someone to recover your vehicle because you’ve run out of fuel also rises considerably at this time of year. Even if you consider yourself to be meticulous on filling up your tank, bad weather causing stop/start conditions could catch you out. Without breakdown cover, any of these issues will leave you hundreds of pounds out of pocket and stranded out in freezing conditions for hours.
For many customers, price is the main selling point of breakdown cover (Auto Express 2015).
Lawshield can provide UK breakdown recovery from as little as £38.72* and £46.94* for UK and EU cover. Covering vehicle types ranging from standard, commercial, taxi and couriers.
Why not offer your customers peace of mind with cover for; doorstep or roadside assistance, vehicle recovery, emergency accommodation costs and onward transportation, all included as standard.
*Net rate excludes Broker commission and IPT
We're having a bake off for this Friday with all proceeds going towards MacMillan Cancer Support!
Our team are showing off their culinary skills and baking up some delicious treats to put Mary Berry to shame! All donations welcome for this worthy cause!
Visit the following link - Connexus Bake Off for MacMillan Support - to donate.
Changes to Insurance Premium Tax
The Chancellor announced in his budget of July 8th that the standard rate of Insurance Premium Tax (IPT) would, from 1st November 2015, increase to 9.5%. This only applies to the standard IPT rate. Other rates, such as those affecting travel products, will remain unaffected by this change.
We have included guidelines to help you interpret how the changes should be implemented below
Policies incepted or renewed on or after 1st November 2015
Will attract the new IPT rate of 9.5% regardless of when the quote was provided or any rate guarantees that may apply.
Will attract the new IPT rate of 9.5% for any mid-term change which results in payment of an additional premium.
Policies incepted or renewed prior to 1st November 2015
Will attract the “old” rate of IPT of 6%.
Where a mid-term change takes place after 01/11/2015 which results in an additional premium, the new IPT rate of 9.5% should apply to the additional premium.
Regardless of the date of change, where one or more MTA takes place and different rates of IPT have been applied (i.e. 6% on inception premium but 9.5% for an MTA) or cancellation takes place that results in a refund of premium being due, ideally IPT will be apportioned. However HMRC accept that systems may be unable to do so in which case the overriding consideration is that the rebated IPT must not exceed the rate at which IPT was originally paid. Therefore if the system is unable to apportion IPT the rebate of IPT on the refund of premium will be at the 6% rate.
It’s going to be an exhausting day, with our brave participants subject to 12 miles of messy mayhem.
Obstacles include the delightful sounding "Ring of Fire", "Cry Baby", and "Skidmarked"…
As Sharon Gallimore, Broker Liaison Co-ordinator at Lawshield put it: it’s gonna be “tough murder”.
Help For Heroes is a fantastic charity that delivers an enduring national network of support for our wounded servicemen, women and their families.
To donate to the Connexus teams muddy misery and to this much worthy cause, please click here.
Remember to offer GAP Insurance to your customers who are purchasing the new 65 plate vehicles. Lawshield can provide cover from as little as £23.51 net (excludes broker commission and IPT) for a vehicle valued up to £15,000 for a 12 month term, or £89.69 net over a 48 month term.
Motor dealers are likely to charge more for this cover and will be applying a tax rate of 20% compared to 6% when purchased through the Broker. Also, motor dealers will now have to advise the consumer that they can look elsewhere to purchase the cover before finalising any GAP sale.
Brokers - Don't miss out!
Increase your revenue, highlight the substantial savings for your customers and offer GAP insurance.
For further information please refer to the Motor section of our site, or contact Sharon Gallimore - firstname.lastname@example.org.
Lawshield UK and Performance Car Hire hosted a weekend of golf for Chubb Insurance and supporting brokers.
The event took place in early may, with the golf being played at three championship courses in and around beautiful St Andrews, including the prestigious Kingsbarns Golf Links.
The weather thankfully played ball, the only hindrance on the game being the amount of food and whiskey consumed on the evenings prior to tee-off.
A great time was had by all involved, with Lee Rhodes of Quantum coming top of the shop with a very creditable score.
A huge thank you to all of the guests for supporting the group and event, we hope to see everyone again soon.
Full list of attendees:
thisismoney.co.uk recently posted an article regarding a “Landlord’s guide to avoiding home emergency”. The guide helps pinpoint the key types of home emergencies and the steps you can take to control property issues, as well as how to avoid minor inconveniences becoming full-blown emergency situations.
In the event of an emergency, LawShield UK can provide situation cover for rapid, expert help using a national network of contractors to assist and stabilise the problem.
We offer Landlord Home Emergency cover for as little as £44.00 net to brokers on an opt in basis, and Standard Home Emergency for £37.20 net to brokers; this is considerably lower than many competitors in the market.
Our national network of contractors includes nearly 2,000 tradespeople including plumbers, drainage experts, glaziers, locksmiths, electricians, gas fitters, roofers, general builders and pest controllers.
Our Home Emergency Cover will make your home safe in the following situations:
Home Emergency Cover will also provide you with the following benefits:
LawShield UK have been an established trader since 1997 and are recognised as a market leader in the provision of innovative products, with service, quality and excellence our top priorities.
For more information contact:
Tel: 01925 403 426
It surveyed fleet professionals within 100 businesses on their approach to, and experience of, accidents involving their fleet and found that:
The report on the findings An analysis of bent metal amongst company fleets stated: “The research shows that many companies are not addressing correctly this significant and avoidable overhead by putting in place sufficient measures to reduce the risk of incidents happening, or more worryingly, happening again to the same drivers.
“Few provide any driver training as a way of reducing the chance of the driver having another incident. Is this a good situation for company, fleet, vehicle or driver?”
In 2014 IAM Drive & Survive conducted a survey which revealed 72% of people who drove for business reasons had been offered no training by their employer at all – even though 44% of them said they would welcome the opportunity.
According to Government figures, between 2008 and 2013, 3,493 people were killed in accidents involving a driver/rider driving for work, including 515 in 2013.
And Driving for Better Business says up to one in three road crashes involves a vehicle being driven for work and every week, around 200 road deaths and serious injuries involve someone at work.
IAM Drive & Survive also discovered that drivers of company vehicles are 25% more likely than company drivers using their own vehicles to have a minor accident.
Sarah Sillars, IAM chief executive officer, said: “Accidents involving company car drivers represent a sizeable proportion of accidents on UK roads – and it’s a problem which needs tackling in a meaningful way.
“Fleet operators have a duty to their businesses, employees and other road users to ensure those individuals’ driving conduct is of the highest order. Often companies have full processes and procedures for Health and Safety, HR and Environmental best practice; but often none in place when the employees get behind the wheel of a car or van?”
Licence checking and compliance company Licence Bureau is urging fleet managers to move licence checking online, as the three month countdown has started to the abolishment of the paper counterpart on June 8.
It is advising fleets that they should already be in the process of moving licence checking online to avoid issues surrounding licence renewal, endorsements or verification of new/existing licences.
Moving to using a checking and compliance service means that data for an entire fleet is collated in a single place. Using an online portal that flags upcoming risks will prepare fleets for any issues approaching June 8, while improving risk management as they view data in ‘real time’.
Should fleets leave any changes too late, it could cost them considerable resources as they try to catch up; being fully prepared and minimising any changeover issues is essential if fleets are to take advantage of quicker and more efficient licence verification from June 8 onwards.
Malcolm Maycock (pictured), managing director of Licence Bureau, said: “Despite the abolition of the paper counterpart not coming into force until June 8, we would advise fleets to move their records online immediately. This is especially important for larger fleets, who want to avoid any administrative delays in order to hit the ground running."
Licence Bureau's tips for fleets and drivers:
Yesterday former pop star Pete Burns (of Dead or Alive fame) was evicted from his London flat after owing his landlord more than £30,000 in rent, causing the landlord to suffer a breakdown.
Pete, who has suffered from a plastic surgery addiction, won £450,000 in an out of court settlement in 2009 following botched lip surgery. As well as being evicted yesterday, he was also declared bankrupt.
He wasn’t at the premises when Landlord Action arrived with bailiffs to repossess the property after gaining a possession order from the courtHe owes the landlord a total of £34,000 including legal costs.
The landlord was said to have suffered a breakdown due to the stress of Burns’ not paying rent as well as various incidents at the flat.
This situation is a landlord’s worst nightmare. A tenant who cannot pay the rent and a landlord insurance policy not covering this eventuality
At LawShield UK, this doesn’t have to happen. To ensure you are adequately protected against tenants in arrears, we can provide landlords with the complete package:
LawShield have been an established trader since 1997 and are recognised as a market leader in the provision of innovative products, with service, quality and excellence our top priorities.
For more information contact:
Tel: 01925 403 426
Please click on the enquire button to view product specific claim procedures. If you require assistance, please contact us on
01925 444 847
The full claims procedure for your policy is detailed in the policy document. If you require further assistance please contact ourselves and please find below details of the specific policy claim numbers.
Phone Lawshield UK: 0333 043 3787
To request a claim form or send a completed claim form email email@example.com
Phone Lawshield UK: 0333 043 3787
To request a claim form or send a completed claim form email firstname.lastname@example.org
Phone Axa Assistance 24 hour Emergency Helpline: 0845 269371
You should have the following information available upon request:
Phone Keycare: 0845 303 0550
Please quote your key fob number provided
Personal Motor phone Axa Assistance To get UK emergency help, phone: 0845 600 2853. If you need Breakdown Assistance in Europe, please call: +44 (0)1737 826145
Commercial &less; 3.5t phone Axa assistance To get UK emergency help, phone: 0330 1231965
Commercial &less; 7.0t phone Axa Assistance To get UK emergency help, phone: 0330 1231965
Fleet phone Axa Assistance To get UK emergency help, phone: 0330 1231965. If you need Breakdown Assistance in Europe, please call: +44 (0)1737 815214
Text messaging is available if you are deaf, hard of hearing or have speech difficulties. Please text the word ‘breakdown’ to +44 (0)7624 808266.
Taxi & Courier phone Intana Assistance on 0844 338 5976
Please have your policy details available; your name, registration and address and policy number
Phone Lawshield UK on 0333 403 3787 with the following information:-
Landlord Legal Expenses
Phone Lawshield UK on 01925 403411
Landlord Rent Guarantee
Phone Lawshield UK on 01925 403411
Landlord Home Emergency
Phone Axa Assistance 24 hour Emergency Helpline on 0845 605 3911
You should have the following information available upon request:
In order for us to verify the cover, the engineer may also ask the tenant to produce the policy documentation on arrival as evidence of cover.
The claim will be handled by AXA Assistance (UK) Ltd. To make a claim AXA Assistance will ask for supporting documentation listed below. It is important that all the documentation is submitted as requested, as Axa Assistance will be unable to process the claim until received.
Via the internet
Visit the claims web site: https://www.excessclaim.co.uk where the claim can be registered online.
Please call AXA Assistance on (Tel Number 0845 600 0034) to notify the claim. A claim form will be issued to complete and documents will be requested as above.
The internet solution allows the customer to enter all the necessary details required to settle the claim. We recommend you use the web link as you will need to post documents to Axa Assistance if you contact us by phone, which could result in delays of your claim being settled.