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Legal Experts for Motor Insurers, Reinsurers, MGAs and Brokers

The KLS Law motor team have been assisting Insurers, Reinsurers, MGAs and Brokers for over 25 years.

Our mature and highly capable team of lawyers and insurance professionals work with our Group colleagues at Connexus to offer a seamless end-to-end proposition that saves costs for insurers.

We are able to consolidate MI and manage data to reflect the continuity of service we provide.

Our service proposition


Our legal team work closely with the Connexus team to identify large claims, potential indemnity issues or those where there is a potential for reputational damage and report on those immediately to insurers. Our large loss team will then take over.


Insurers may find it unusual to see this next to FNOL, but for the insurers we act for, we start the recovery process at the FNOL stage. Our staff are trained to ascertain potential avenues to recover, establish liability and seek admissions swiftly, so that when accounts are available for recovery, they are immediately pursued.

Intervention, Third Party capture and Validation

We save up to 60% on the cost of a motor claim where we successfully intervene. We have staff available to work alongside the Connexus FNOL team so that early decisions can be made on liability under DA schemes, speeding up the process. We will coordinate offers of vehicle repair/total loss management, replacement vehicle provision and rehabilitation.

If we do not capture, we are able to coordinate retention of call data in relation to any potential defence. We can dispatch the appropriate Copley letter, and access rates checked by our hire team daily, to substantiate a defence mounted on credit hire.

Fraud Management

As well as adapting to ensure all insurer-required fraud checks are in place, we have a clear focus on using software to combat fraud. These arrangements are available to outline to insurers upon request.

Defence of third party claims

We adopt a firm but fair approach to the defence of legal claims. We have a reputation for being fearless in litigation claims and we advise insurers to defend their interests fully in appropriate cases where indemnity/liability or quantum issues require. For many cases, what is required is an economic and swift analysis of the value of the claim and efficient management of the process. We look to reserve the case realistically and manage the claims within the reserve.

Costs claims

We have an efficient and experienced team of cost professionals who manage Third Party claims with realism but are familiar with firms that over charge and will robustly defend any claims brought, thoroughly investigating these.

Digital support & access to our systems

At KLS Law, we have a large in-house IT and digital team to support our needs. Our custom system "Touchpoint" allows insures to track claims in real time and see detailed MI on savings and reserves, which are constantly updated in a live environment. Data is securely managed and we are ISO 27001 accredited.

Reserving Philosophy

Our approach ensures that we mirror the philosophy of our insurer and MGA partners.

Why choose KLS Law?

We place a particular emphasis on the following:

  • Realistic and accurate reserving
  • Reserve review and tracking process embedded within our software ensures audit transparency                  
  • Reserves reviewed at each stage of the claim
  • Automated escalation for significant reserve changes/large losses
  • Reserves reviewed each time a claim is opened or closed
  • Tracking reports available to provide specific MI on all reserve, payment and recovery movements from FNOL to claims closure

How KLS Law assist Insurers, MGAs and Brokers

We offer a full service proposition in the areas of motor claims, household, casualty (predominantly employers' liability, public liability and professional indemnity claims) and with our partners at the Connexus Group, we provide all services from FNOL to subrogation to include full legal defence of claims.

We assist insurers and MGAs in a number of ways such as:

  • Policy development issues to ensure compliance with the Insurance Act 2015
  • Management of compliance and regulatory issues
  • Drafting terms of business and third party agreements
  • Employment requirements
  • Data protection and information security
  • Requirements of ISO 27001
  • Training and Webinars
  • Reservation of rights, indemnity issues and repudiation.
  • Auditing & Selection of supply chain
  • Data management
  • Trustee accounts and management of claims fund up to £250K LOE

To learn more about the support KLS Law offer Insurers, Reinsurers, MGAs and Brokers, please take a look at our insurance page here