Chester · North Wales · England & Wales

Insurance Broker Negligence
Claims Solicitors

If your insurance broker failed to arrange adequate cover, placed you with an unsuitable insurer, or gave negligent advice on your insurance needs — leaving you uninsured or underinsured when you needed to claim — you may have a claim.

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No Win, No Fee — Insurance Broker Negligence Claims

If your claim is unsuccessful, you pay nothing. We offer no win no fee agreements for insurance broker negligence claims in appropriate cases. ATE insurance covers the other side's costs if you lose — giving you complete financial protection.

Free Assessment

After-the-Event (ATE) Insurance — Protection Against the Other Side's Costs

ATE insurance covers you against having to pay the defendant's legal costs if your claim is unsuccessful. Combined with our no win no fee agreement, you face no financial risk in pursuing a legitimate insurance broker negligence claim. The ATE premium is typically only payable if your claim succeeds.

Types of Claim

Common insurance broker negligence claims

Failure to arrange adequate cover

Where an insurance broker failed to arrange insurance cover that was adequate for your needs — leaving you underinsured or uninsured when you needed to make a claim.

Placing with unsuitable insurer

Where an insurance broker placed you with an insurer that was financially unstable, not authorised, or unsuitable for your risk — resulting in a claim being refused or unpaid.

Negligent advice on policy terms

Where an insurance broker gave incorrect advice on the terms of a policy — leaving you exposed to an exclusion or condition that you were not warned about.

Failure to disclose material facts

Where an insurance broker failed to disclose material facts to the insurer — resulting in the policy being voidable or a claim being refused.

Underinsurance due to broker error

Where an insurance broker advised on an inadequate sum insured — resulting in a shortfall in the amount paid on a claim due to average or underinsurance.

Failure to renew or notify

Where an insurance broker failed to renew a policy or notify you of a renewal — leaving you uninsured during a period when a loss occurred.

Your Solicitor

Professional Negligence

Alex Bailey

Solicitor — Commercial Litigation & Dispute Resolution

Alex has extensive experience advising on insurance broker negligence claims across England and Wales. He provides an honest assessment of the merits and likely costs before you commit to a claim, and offers no win no fee arrangements in appropriate cases.

Call 01244 757352 Send an Enquiry

Free Initial Assessment

Tell us about your insurance broker negligence claim

Alex Bailey will review your details and contact you to discuss your claim.

Full name *

Email address *

Phone number (optional)

Type of insurance involved (optional)

Type of broker negligence *

Approximate value of your claim *

An estimate is fine — we assess all claims with losses above £10,000.

Losses suffered *

Briefly describe what went wrong and the financial impact on you.

By submitting this form you agree to us contacting you about your enquiry. We will not share your details with third parties. Privacy Policy.

FAQs

Insurance broker negligence — common questions

Can I claim against my insurance broker for negligence?

Yes. Insurance brokers owe their clients a duty of care and are regulated by the Financial Conduct Authority (FCA). They are required to hold professional indemnity insurance. If your broker failed to arrange adequate cover, gave negligent advice on policy terms, or placed you with an unsuitable insurer — and you suffered financial loss as a result — you may have a claim.

Is insurance broker negligence covered by no win no fee?

Yes — we offer no win no fee (conditional fee) agreements for insurance broker negligence claims in appropriate cases. The claim must have strong merits and the likely recovery must justify the risk. We will give you a clear, honest view at the outset.

What is after-the-event (ATE) insurance?

ATE insurance protects you against having to pay the other side's legal costs if your claim is unsuccessful. Combined with our no win no fee agreement, it means you can pursue a legitimate insurance broker negligence claim without any financial risk. The ATE premium is typically only payable if your claim succeeds.

What is the time limit for an insurance broker negligence claim?

The general limitation period is 6 years from the date of the negligent act or advice. If you did not discover the negligence until later (for example, when a claim was refused), the "date of knowledge" rules may extend this — but only to a maximum of 15 years. Seek advice promptly.

What is the minimum value of claim worth pursuing?

As a general guide, we would not usually recommend pursuing an insurance broker negligence claim unless the loss suffered is at least £25,000 – £30,000. Professional negligence claims require independent expert evidence, which adds to the cost. We will give you an honest assessment at the outset.

Can I also complain to the Financial Ombudsman Service?

For claims against FCA-regulated insurance brokers, you may be able to complain to the Financial Ombudsman Service (FOS) — which is free and can award up to £430,000. However, FOS complaints are not always suitable for complex or high-value claims. We will advise you on whether a FOS complaint or a court claim is the most appropriate route for your case.

Do you act for clients across England and Wales?

Yes. We act for clients across England and Wales — including Chester, North Wales, Central England (Birmingham, Coventry, Wolverhampton, Nottingham, Leicester), and nationally. Most of our work is conducted remotely.

Think your insurance broker was negligent?

Speak to Alex Bailey for an honest assessment — merits, costs, and whether no win no fee is available.

No obligation · No win no fee available · ATE insurance available

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Chester & England/Wales

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Insurance Broker NegligenceClaims Solicitors