Fenchurch Law

Fenchurch Law (FL) is an award-winning, specialist firm of solicitors who are one of the UK’s leading firms of policyholder-focused insurance coverage dispute lawyers, regulated by the Solicitors Regulation Authority (SRA).

All Movo policyholders

Unlimited is a unique free legal service to support policyholders in insurance disputes. This means free legal advice on policyholders legal rights and obligations directly relating to an insurance policy as well as the costs of litigation or arbitration of an insurance dispute with an Insurer, subject to FL concluding that the policyholder has at least a 60% chance of succeeding in its claim, in which case Unlimited covers all the costs of that claim.

Yes, apart from Marine Hull which is a specialist area of insurance law with which FL does not currently work. However, an insurance coverage dispute needs to satisfy the following:

The Unlimited service can still be of assistance by providing Unlimited legal advice about the policyholders legal rights and obligations under the policy from the perspective of English law.

In our experience, it is not uncommon for insurance policies issued to policyholders in Scotland and Northern Ireland to be subject to English law and jurisdiction.

The policyholder will still have access to FL’s free Unlimited legal advice service and other options of resolving the insurance coverage dispute will still be explored. If new facts or information come to light, FL will re-evaluate the chances of success.

There is no minimum size of claim.

However, the courts expect that all claims are handled in a manner proportionate to the complexity of the claim. The amounts at issue also need to be borne in mind from a commercial point of view.

The FOS has no power to award costs against the Insurer in the event that the FOS upholds the complaint against the Insurer. Therefore, there is no way for FL to recover costs via the FOS process in the event of a successful complaint. This is the only time the policyholder pays any money to FL, but it does have an option as to how and when that payment is made.

FL will always send an invoice directly to the policyholder, so that:

1. FL do not contravene the principle of indemnity, i.e. if the policyholder is not technically liable for FL’s fees, then FL would not be able to recover those fees from the Insurers.
2. 
The policyholder can pay the VAT, providing it is VAT registered. The policyholder can then recover the VAT in its returns to HMRC and is therefore not out of pocket.

The Unlimited service is not an insurance product, so issues of dual insurance do not arise. The policyholder should be in a position of being able to choose which option best suits their needs and to make an informed decision.