Insurance Contracts

We have expertise in all varieties of commercial contracts and distribution arrangements. We advise many major UK and international insurers and intermediaries, covering general, health, and long-term insurance.

We advise on the full range of commercial arrangements including:

• Distribution arrangements, such as, affinity or corporate partnership agreements, delegated underwriting authority agreements or binders and TOBAs
• Claims supply chain and procurement contracts
• Claims handling agreements, TPA arrangements, and outsourcing

Our work is characterised by being pragmatic and commercial, with a thorough understanding of the increasingly intrusive regulatory context in which our clients operate.

Featured experience

• Acting for a major global bank in its 10-year distribution deal with a leading insurer, in one of the largest transactions of its kind ever in the UK. The deal covered policies such as home, travel and commercial insurance via the bank’s online and mobile channels, as well as in branches and over the phone.
• Advising a large UK insurer on the affinity arrangement between it and a well-known car manufacturer for the distribution of white-labelled motor insurance
• Advising on the drafting and negotiation of a backlog of over 135 contracts, ranging in value from under £10k to over £7 million, within 3 months on a fixed fee basis. This was a strategic project with interest at board level.
• Advising an insurer on its policy wordings, supply agreement and data protection implications relating to its telematics offering to commercial flee customers
• Advising a UK based international insurer on its template third party administration agreement for use in various territories around the world (including data protection compliance and IT security requirements)
• Advising on the contractual requirements for the distribution chain in respect of the FCA’s Consumer Duty
• Advising on the application of AI within the claims handling process to ensure data protection compliance