Moffatt Saunders - Corporate, Commercial and Personal Insurance Specialists

Latest News Keeping you up to date with all the latest news to affect the insurance industry, this page will be updated on a regular basis to advise on interesting industry developments and trends.


Latest News

Ministry of Justice Reforms

This year sees the introduction of changes in the way injury claims arising out of motor accidents
are dealt with, and from 1st August changes in the way employers and public liability claims are
dealt with.

Why did things have to change?

For some time legal costs in injury claims have been increasing. By 2009 it was estimated that
for every £1 of damages awarded, legal costs were 86 pence. In recent years there have been
occasions where legal costs outweigh the damages awarded in a 2012 case the claimant
received £12,750 in damages and legal costs were £75,000.

In 2010 a system was put in place to speed up the settlement of motor personal injury claims
and limit the legal costs by introducing strict timescales and fixed legal fees. This required
solicitors to report claims between £1,000 and £10,000 via an online portal.

What is happening now?

  • The upper limit for motor personal injury claims is increased to £25,000
  • Most employers and public liability personal injury claims up to the value of £25,000 will be
    handled in this way.
  • Strict timescales for decisions on liability will apply, as follows;

    - Motor 15 days    - Employers liability 30 days   - Public liability 40 days

How does this affect me?

These changes should result in the following benefits to you;

- Making lawyers costs proportionate.

- Combating the compensation culture

- Enabling insurers to pass on claims cost savings to customers through lower premiums

To maximize these benefits we need your help to give your insurers as much time as possible to investigate and respond within the new timelines, so please;

- In the event of an actual or potential claim,
please notify us immediately

- Provide full, accurate and complete documentation as quickly as possible (please see enclosed checklist)

- If you receive a Claims Notification Form (CNF)
direct from the third party solicitors please on
the same day acknowledge receipt to the
solicitor (but do not comment on liability)
and forward the CNF to us.


Moffatt Saunders - We're different because you are


To download these forms you will need Adobe PDF reader


Claim Notification Form (EL1)

Claim Notification Form (EL1)

Claim Notification Form (EL2)

Claim Notification Form (EL1)

Claim Notification Form (PL1)

Claim Notification PL1

Claim Notification Form (PL2)

Claim Notification PL2

Check List

Claim Notification PL2


Call us Request a QuoteReport a Claim  
Important Information | Legal Disclaimer | Privacy Policy | Terms of Business | Contact Us
Moffatt Saunders is a trading name of Towergate Insurance Limited who are Authorised and Regulated by the Financial Conduct Authority