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Our People: Simon Smith, Senior Underwriter

Simon has over 30 years’ experience in the insurance Industry, which began in the Commercial Department of General Accident in Wolverhampton and then moved to Birmingham, working for Independent Insurance and Lombard Insurance.

Simon then moved into more senior roles at Axa, Travelers and Ink, plus Regional Underwriting Manager at Giles for the Midlands and Channel islands, covering Property, Liability and Professional Indemnity. Over this time Simon has covered all classes with a strong focus on Liability business. He has spent the last ten years working for MGA’s in new business roles, within the Birmingham and Midlands areas.

Simon joined Thistle in November 2018 and enjoys the culture within the team, where understanding the risk as at the heart of what they do. He comments: “This enables us to provide the best terms and cover for the client and with the benefit of full authority from our A rated insurers we are able to offer solutions for risks that fall outside of the standard etrade offerings.

“There are exciting times ahead for Thistle Underwriting with replatforming scheduled soon which will offer improved accessibility and products.”

Simon adds: “Communication is key to us fully understanding a risk so I encourage brokers, especially those with more unusual cases, to give us a call. We work very hard to be as flexible as possible whilst still maintaining a common-sense approach, to ensure we support our broker partners as best we can.”

Win a £250 Amazon Voucher with Thistle Underwriting

With the kids back to school and summer coming to an end, we’re give you the chance to win a pick-me-up gift of your choice… 

Throughout September, Thistle Underwriting Services are offering you the chance to win a £250 Amazon voucher, so you can treat yourself!

To be in with a chance of winning, all you need to do is enter 15 Liability & Construction quotes through This Way between now and Friday 27 September.

Terms & Conditions

  1. You have accepted these Terms and Conditions by taking part in this promotion
  2. This promotion is open to insurance broking companies, including approved Appointed Representatives (ARs) who have live agencies with Q Underwriting Services Ltd as at 30 August 2019 
  3. This promotion is not open to employees of Q Underwriting Services Ltd or associated companies
  4. This promotion is a prize draw
  5. The winner will be drawn at random from valid entries during the promotional period
  6. The promotional period is 03 September 2019 and 30 September 2019 
  7. To make a valid entry, entrants must submit a minimum of 15 Requests for Quotes for Liability & Construction via the This Way system during the promotional period
  8. The promotional prize is £250 Amazon Vouchers and is awarded at the sole discretion of Q Underwriting Services Ltd
  9. One promotional reward is available during the promotional period and there is no implication that any future promotional rewards will be available for the same ‘promotion winning criteria’
  10. The promotional reward will be sent to the winning insurance broking company or Appointed Representative (AR) within 30 days of the end of the promotional period 
  11. No responsibility is taken for lost or delayed entries
  12. The promotional reward is non-exchangeable, non-refundable, non-redeemable for cash or other prizes.
  13. We retain the right to substitute the promotional reward for one of similar value, but a cash alternative is not available
  14. Our decision is final and no correspondence will be entered into
  15. By providing contact details you consent to be contacted by us in line with our Privacy Policy
  16. All winners or contestants consent to take part in promotional activity and to their photograph being used for publicity purposes
  17. This promotional reward is offered at the sole discretion of Q Underwriting Services Limited and can be withdrawn at any time and without notice

Our People: John Mason, Underwriting Director

We want to take the opportunity to introduce some of of our people to you, our broker partners…

John Mason is our Underwriting Director; with over 30 years’ experience working in the Commercial Insurance industry including senior underwriting and management roles for Norwich Union, Lloyd’s syndicates and London Market Insurers, John is an expert… (more…)

Our People: Stuart Morris, Operations Manager

We want to take the opportunity to introduce some of of our people to you, our broker partners…

I joined the team at Thistle Underwriting in April, as Operations Manager, with the principal responsibility of leading a team of experienced new business and renewal underwriters. (more…)

Recent Success Stories from our High Risk & Construction Team

Here is a selection of some of the recent cases put on cover by our High Risk and Construction Team

Large Builder – premium £37,000 + IPT

A large construction business with a Turnover of £15.3M – too big for the current insurer. The broker challenged us to retain the same rates to help ensure a smooth transition to a new insurer. The challenges didn’t stop there – contracts were big (up to £7M), included basement work, an HSE Notice and a large claim.

The broker worked closely with us to develop a better understanding of the risk. We focused on key issues to understand the background to the HSE Notice, dig deeper into their current health & safety practices, and review some of their recent large contracts. We met the client requirements on premium and cover and received instructions to proceed a week before inception.

This was one of our largest new business wins covering both Liability and CAR/Plant – and we want more of them.

– Ian Thompson

Machinery repairs, service, dismantling and sales– premium £2,000 + IPT

We’d lost this risk 12 months previously – we were disappointed to lose it but excited to have the opportunity to win it back. A theft claim in the current period – their only claim in 5 years – persuaded the existing Insurer to seek a sizeable premium increase. The Insured wanted a better option.

We swiftly agreed with the broker that the terms appeared unreasonable and established the post loss action that had been undertaken. We obtained additional risk management information and agreed a deal (including theft cover at standard terms) that satisfied the Broker and Insured. Happy customers and a happy underwriter – we’d won it back.

The risk involved some dismantling and soft strip demolition work – a feature that is not attractive to many insurers. Machinery dismantling is one of our target trades so we were more than keen to help.

– Andrew Oddy

Large Building Contractor – premium £48,500 + IPT

A large “building contractor” with hidden depths – a specialist in underpinning work and converting basements in the London area with significant and hazardous depth work – down to 5 metres. Contract values were up to £4M. “Building Contractors” are on most underwriters target trade list but the hazardous nature of the work meant that many quickly lost interest. We actively declared our desire to write this case and agreed to work with the broker on an exclusive basis.
The Broker provided in depth detail of their Health & Safety practices, Risk Management information for their largest contract, and trade accreditations. We were convinced this was a superior risk and the hazardous work was being very well managed. We decided to compete aggressively and offered competitive terms and tailored the cover (EL, PL – with a £5M limit – CAR and Plant) to include some technically demanding endorsement wordings.

Basement Conversion is a trade which we target – professional well managed risks with proven experience and safety management. This one clearly fitted the bill and it was great to secure such a large premium case.

– Andrew Oddy

Metal Fabrication/Welding Risk – premium £3,200 + IPT

We were presented with a simple risk “Metal Fabrication and Welding”. The holding market had doubled the rate leaving the broker needing to find alternatives. Curious to find out why we found an unusual number of features – welding on locomotives within a train depot and the manufacture/installation of water wheels and sluice gates.

Welding Contractors are one of our core trades and we are keen to write them. This case proved there are often X factors that need to be resolved. The holding broker had a longstanding connection with the client and was very co-operative in gathering the information we needed. With the additional risk information, we decided to offer premium and terms similar to the Insured’s previous renewal. A good win for client, broker and Thistle Underwriting.

– Ian Thompson

Our Leeds team underwrite our High Risk and Construction products:

Call 0113 389 1110 or email highrisk@thistleunderwriting.co.uk for more information

We’ll see you at BIBA

We’re excited to announce that Thistle Underwriting will be exhibiting at BIBA; this year, we’ll be on the Q Underwriting stand! Find out more about our plans below and make sure you visit us on Stand D28.