We’re all passionate about our business and here to help.

We believe broker relationships with our Underwriters are really important and our teams are at your service so please contact us as often as you like.

Senior Team



Karen has clocked up 30 year’s in the insurance industry having held a variety of senior roles, including Commercial Operations Manager at NIG and Head of Business Change for the Primary Group. Her experience makes her a strong operational leader, or as she calls it an operational all-rounder with a sales edge.

Karen Percy

Operations & Distribution Director

T: 01902 392 931

John has over 29 years’ experience working in the Commercial Insurance industry including senior underwriting and management roles for Norwich Union, Lloyd’s syndicates and London Market Insurers. More recently he has worked in the MGU sector as Deputy Managing Director for Ingham Underwriting, expanding his areas of knowledge to include Marketing, Product Development and System build.

John Mason

Underwriting Director

T: 07887 717 325

Clive has been involved in Commercial Insurance for over 25 years and previously worked for Commercial Union, CGU and Aviva in various underwriting and training roles throughout the UK. He joined Thistle in 2002 and he is responsible for managing various commercial binders on behalf of authorised Insurers and Lloyds’ syndicates.

Clive Pendrell

Liability Product Manager

T: 01902 392916

Andy has almost 25 years under his belt now as an insurance professional, with the first 12 years or so being in the Broking sector. Andy has worked for Thistle for 12 years, during which time he has been an Underwriter, an Underwriting Team Leader, an Underwriting Manager and for the last five years has been responsible for keeping our ‘This Way’ system running.

Andrew Stinton

Product Development Underwriting Manager

T: 01902 392912

Eve looks after the marketing for Thistle Underwriting and has worked in marketing for over 16 years, covering all aspects including traditional print, online, website, PR, copywriting and social media. Eve previously handled the marketing for Commercial Express meaning she has almost five years’ experience specific to commercial insurance.

Eve Farrell

Marketing Executive

T: 01902 392931

Lynn Owen is Team Leader and has worked for Thistle for 21 years. Lynn loves working closely with her team every day; looking for ways to give our brokers faster, smoother and reliable service. Lynn brings bundles of positivity and energy; continually looking at processes that will both increase revenue but also improve the customer service journey as she believes this is key to her role as Team Leader.

Lynn Owen

Team Leader – North & South Regions

T: 01902 392903

Karen has worked for Thistle for four years and has worked within the industry for 19 years. Karen enjoys the people-side of her role; ensuring her team members are happy and motivated.

Karen Costin

Team Leader – Central Region & Large Contractors

T: 01902 392 931

Simon has worked in the sales and distribution aspect of the insurance industry for over 30 years, providing business development to brokers in the North of England, thoroughly enjoying the challenges and opportunities this brings. He has worked for Thistle since 2010.

Simon Hurt

RDM for the North

T: 07810 816 267

Dave looks after our brokers in the Central region and offers substantial experience in the insurance industry, both in the UK and overseas. Dave combines his extensive technical insurance knowledge with a hands-on approach and a clear understanding of customer requirements to develop strong broker relationships. He has over 27 years’ experience, with 17 years covering Business Development roles.

Dave Hinks

RDM for the Central region

T: 07398 505765

Heather has worked in the industry for over 20 years, specialising in Commercial Property and Liability Insurance. She now leads our Scotland & Northern Ireland underwriting team and handles broker development. She especially enjoys the diversity of her role and is passionate about providing market leading service to all of our customers.

Heather Davidson

Team Manager for Scotland and Northern Ireland

T: 02890 518 980

Christian has worked in the industry for over 17 years including broking, and for both MGA’s and Insurers; giving him a strong grounding on the industry. Christian most recently spent the last seven years working closely with brokers developing relationships for Commercial and schemes-based business. Christian feels his previous role working for an insurance broker for 10 years selling commercial related products gives him a great understanding of the requirements of our Broker Panel.

Christian Burton

Regional Development Manager for London & South East

T: 07522 229 722

Underwriting Teams