Successfully negotiating claims since 1867
Successfully negotiating claims since 1867
Successfully negotiating claims since 1867
Information
Drone disruption: Will your insurer help?
The recent chaos at Gatwick following drone activity has caused serious losses among those whose travel plans were wrecked. You’ve probably already seen in the national and social media that no compensation is due under the European rules (and we shall lose the benefit even of those in three months) and that airlines are only…
Getting better deals for the insurance consumer
The last few years have seen a number of deprivations of access to justice for both consumer and SME insurance policyholders. The legal aid budget has been reduced to exclude many previously eligible litigants and causes, the reforms of the conditional fee agreement have wiped out the usefulness of that device in contract claims (though…
Continuing confusion on proportionate remedies
You may have seen that in July 2016 we posted on this site details of The Insurance Act 2015’s newly introduced proportionate remedy for non-disclosure or misrepresentation that is neither deliberate nor reckless. Essentially, claims can be reduced by the proportion that the premium paid bears to the premium that would have been paid had…
Are you a fraudster?
“The insurance business, for instance, depends on the fact that insurers charge customers more than their insurance is worth; that’s fair enough, since if they didn’t do that they wouldn’t be viable as businesses. What isn’t fair is the panoply of cynical techniques that many insurers use to avoid, as far as possible, paying out…
The Insurance Act 2015: Proportionate remedies
Proportionality is a new concept incorporated in the Insurance Act 2015. (Well, not entirely new, for it was introduced in consumer insurance by the 2012 Act and has been a common remedy in other jurisdictions for many years.) As adjusters for the policyholder one of the concerns we at Thompson and Bryan have when proportionality…
The Insurance Act 2015: Damages for late payment
Much has been written about the Insurance Act 2015 and most of our broker clients will be familiar with the duties of fair presentation and the lessening of the severe consequences of breaches of warranties. The new provision about damages for late payment by the insurer is one that we expect to affect practical case…
Legal change and contentious claims
Recent years have seen two major pieces of legislation reforming insurance law. The 2012 Act giving extra protection to consumers came into force in 2013, but has essentially been given retrospective effect by the Financial Ombudsman Service for all cases referred to it. Its provisions are wide-ranging, making it harder for insurers to avoid a…
Ensure you get access to the best specialist advisers
Since insurance began there have always been specialists advising claimants. The assessing business, of which Thompson & Bryan forms a historically continuous part, was supplemented in the last twenty years by the emergence of chartered loss adjusters acting for policyholders, a sector we have now joined. Even more recently we have seen the larger brokers…
Damages for late payment by insurers?
It has been – in our opinion – a major injustice in insurance law that delays in settling or investigating a claim or in its general handling have left no remedy for the policyholder except to sue for interest. This is a departure from the general law of contract where the damages for breach are…
FCA review finds SMEs suffer poor claims service
The Financial Conduct Authority (FCA) has published its thematic review, “Handling of insurance claims for Small and Medium-sized Enterprises (SMEs)”. The FCA assessed 25 firms involved in the settlement and management of claims, including: 5 insurers 10 insurance intermediaries (including 5 managing general agents) and 10 loss assessing firms They also looked at the claims…
Information
Drone disruption: Will your insurer help?
The recent chaos at Gatwick following drone activity has caused serious losses among those whose travel plans were wrecked. You’ve probably already seen in the national and social media that no compensation is due under the European rules (and we shall lose the benefit even of those in three months) and that airlines are only…
Getting better deals for the insurance consumer
The last few years have seen a number of deprivations of access to justice for both consumer and SME insurance policyholders. The legal aid budget has been reduced to exclude many previously eligible litigants and causes, the reforms of the conditional fee agreement have wiped out the usefulness of that device in contract claims (though…
Continuing confusion on proportionate remedies
You may have seen that in July 2016 we posted on this site details of The Insurance Act 2015’s newly introduced proportionate remedy for non-disclosure or misrepresentation that is neither deliberate nor reckless. Essentially, claims can be reduced by the proportion that the premium paid bears to the premium that would have been paid had…
Are you a fraudster?
“The insurance business, for instance, depends on the fact that insurers charge customers more than their insurance is worth; that’s fair enough, since if they didn’t do that they wouldn’t be viable as businesses. What isn’t fair is the panoply of cynical techniques that many insurers use to avoid, as far as possible, paying out…
The Insurance Act 2015: Proportionate remedies
Proportionality is a new concept incorporated in the Insurance Act 2015. (Well, not entirely new, for it was introduced in consumer insurance by the 2012 Act and has been a common remedy in other jurisdictions for many years.) As adjusters for the policyholder one of the concerns we at Thompson and Bryan have when proportionality…
The Insurance Act 2015: Damages for late payment
Much has been written about the Insurance Act 2015 and most of our broker clients will be familiar with the duties of fair presentation and the lessening of the severe consequences of breaches of warranties. The new provision about damages for late payment by the insurer is one that we expect to affect practical case…
Legal change and contentious claims
Recent years have seen two major pieces of legislation reforming insurance law. The 2012 Act giving extra protection to consumers came into force in 2013, but has essentially been given retrospective effect by the Financial Ombudsman Service for all cases referred to it. Its provisions are wide-ranging, making it harder for insurers to avoid a…
Ensure you get access to the best specialist advisers
Since insurance began there have always been specialists advising claimants. The assessing business, of which Thompson & Bryan forms a historically continuous part, was supplemented in the last twenty years by the emergence of chartered loss adjusters acting for policyholders, a sector we have now joined. Even more recently we have seen the larger brokers…
Damages for late payment by insurers?
It has been – in our opinion – a major injustice in insurance law that delays in settling or investigating a claim or in its general handling have left no remedy for the policyholder except to sue for interest. This is a departure from the general law of contract where the damages for breach are…
FCA review finds SMEs suffer poor claims service
The Financial Conduct Authority (FCA) has published its thematic review, “Handling of insurance claims for Small and Medium-sized Enterprises (SMEs)”. The FCA assessed 25 firms involved in the settlement and management of claims, including: 5 insurers 10 insurance intermediaries (including 5 managing general agents) and 10 loss assessing firms They also looked at the claims…
Information
Drone disruption: Will your insurer help?
The recent chaos at Gatwick following drone activity has caused serious losses among those whose travel plans were wrecked. You’ve probably already seen in the national and social media that no compensation is due under the European rules (and we shall lose the benefit even of those in three months) and that airlines are only…
Getting better deals for the insurance consumer
The last few years have seen a number of deprivations of access to justice for both consumer and SME insurance policyholders. The legal aid budget has been reduced to exclude many previously eligible litigants and causes, the reforms of the conditional fee agreement have wiped out the usefulness of that device in contract claims (though…
Continuing confusion on proportionate remedies
You may have seen that in July 2016 we posted on this site details of The Insurance Act 2015’s newly introduced proportionate remedy for non-disclosure or misrepresentation that is neither deliberate nor reckless. Essentially, claims can be reduced by the proportion that the premium paid bears to the premium that would have been paid had…
Are you a fraudster?
“The insurance business, for instance, depends on the fact that insurers charge customers more than their insurance is worth; that’s fair enough, since if they didn’t do that they wouldn’t be viable as businesses. What isn’t fair is the panoply of cynical techniques that many insurers use to avoid, as far as possible, paying out…
The Insurance Act 2015: Proportionate remedies
Proportionality is a new concept incorporated in the Insurance Act 2015. (Well, not entirely new, for it was introduced in consumer insurance by the 2012 Act and has been a common remedy in other jurisdictions for many years.) As adjusters for the policyholder one of the concerns we at Thompson and Bryan have when proportionality…
The Insurance Act 2015: Damages for late payment
Much has been written about the Insurance Act 2015 and most of our broker clients will be familiar with the duties of fair presentation and the lessening of the severe consequences of breaches of warranties. The new provision about damages for late payment by the insurer is one that we expect to affect practical case…
Legal change and contentious claims
Recent years have seen two major pieces of legislation reforming insurance law. The 2012 Act giving extra protection to consumers came into force in 2013, but has essentially been given retrospective effect by the Financial Ombudsman Service for all cases referred to it. Its provisions are wide-ranging, making it harder for insurers to avoid a…
Ensure you get access to the best specialist advisers
Since insurance began there have always been specialists advising claimants. The assessing business, of which Thompson & Bryan forms a historically continuous part, was supplemented in the last twenty years by the emergence of chartered loss adjusters acting for policyholders, a sector we have now joined. Even more recently we have seen the larger brokers…
Damages for late payment by insurers?
It has been – in our opinion – a major injustice in insurance law that delays in settling or investigating a claim or in its general handling have left no remedy for the policyholder except to sue for interest. This is a departure from the general law of contract where the damages for breach are…
FCA review finds SMEs suffer poor claims service
The Financial Conduct Authority (FCA) has published its thematic review, “Handling of insurance claims for Small and Medium-sized Enterprises (SMEs)”. The FCA assessed 25 firms involved in the settlement and management of claims, including: 5 insurers 10 insurance intermediaries (including 5 managing general agents) and 10 loss assessing firms They also looked at the claims…
Thompson & Bryan
20a Wood Street, Barnet, HERTS, EN5 2BW
Registered Office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Registered in England Company no. 404
Design: Good Impressions | Content: We Do The Words
Thompson & Bryan
20a Wood Street, Barnet,
HERTS, EN5 2BW
Registered Office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Registered in England Company no. 404
Design: Good Impressions Content: We Do The Words