Accident and health insurance

Our lawyers

Our involvement with industry committees helps us to stay up to date with current trends and issues, and improve the depth of our advice.  

Helen Tilley has over 20 years’ experience of acting as the Single Point of Contact (SPOC) for the Insurance Investigators Group (IFIG), as part of the firm’s drive to prevent and detect fraud.

Our experience

Examples of work which we have handled include:

• Advised on coverage and causation in connection with football and rugby players, including sudden cardiac death and myocardial infarction post sustaining a kick on the nose during a match.
• Represented the Personal Accident (PA) insurers in respect of a £1 million PTD claim by a Formula 1 racing driver based in Monaco who sustained a shoulder injury. Obtained medical evidence from Professor Wallace and an Italian sports specialist on his career leading up to the injury in order to negotiate a favourable resolution.
• Advising contingency reinsurers on aggregation and coverage issues in relation to worldwide COVID-19 event cancellations. 
• Advised PA insurer regarding a PTD claim by a security manager injured during a terrorist bomb blast in Mali that involved cardiac symptoms, PTSD and loss of hearing.
• Advised insurer in respect of a sensitive Group PA claim involving a City solicitor who challenged the assertion that she had “courted a risk” by stepping in front of a tube train in an attempt to self-harm or die by suicide. After considering mobile phone records and CCTV footage secured by the policy, reached a resolution of the Permanent Disability claim through meetings with the solicitor’s supervising partners and their appointed KC.
• Advise on coverage and causation issues in the context of claims that may involve clinical negligence eg, fatalities shortly after endoscopic surgery and disability following cauda equina syndrome.
• Provide coverage advice and a monitoring service of overseas lawyers in respect of travel insurance claims (including overseas legal expenses and personal liability claims). These have included education related trips and claims by teachers and students.
• Consider travel insurance coverage issues arising from increased security risk and emergency evacuation and fitness to fly, including media personnel.
• Advised on coverage and monitoring of overseas lawyers in connection with a career ending injury of a Formula 1 engineer, at an airport, during a business trip.
• Advised insurers following a stage collapse that killed two entertainment group employees ahead of a global pop-star’s show in France.
• Provided coverage advice to insurers on loss of revenue/ticket reimbursement after the member of an indie band suffered an injury whilst motorcycling.
• We also advise on other areas of specialty insurance cover including Art insurance law services, Terrorism & political risk and Political risk & trade credit insurance.

Our clients

We advise insurers, reinsurers and Lloyd’s Syndicates.