John O'Roarke joined Horwich Farrelly from LV= where he was Managing Director. He joined LV= in 2006. Over nine years he led a transformation programme which resulted in LV= becoming the UK’s third largest car insurer as well as the UK’s most trusted and most recommended insurer. Prior to joining LV=, John was Chief Operating Officer for RBS Insurance and Managing Director of Churchill Insurance, which grew from a £3m start-up to a £2bn+ premium business and the UK’s most recognised insurer. John O'Roarke is a chartered accountant. Between 2013–16, he was also Chairman of the Insurance Fraud Bureau and Chair of the ABI’s Financial Crime Committee. In July 2018 he received the Achievement Award at the British Insurance Awards.
Since joining Horwich Farrelly in 2001, Ronan held a firm focus on pushing the boundaries for insurers in the counter fraud arena being responsible for the numerous landmark decisions for the industry. He was involved with the leading Court of Appeal decisions in Kearsley v Klarfeld (2005) and Casey v Cartwright (2006) in the area of low velocity impact litigation.
He also has a particular interest in fraud rings, catastrophic injury cases and contempt of court, being responsible for Esure v Ali (2011) and Esure v Israr (2011), the latter case marking the first time an insurer successfully used contempt of court proceedings to prosecute a fraudster involved in a ‘crash for cash’ scam.
Raouf joined Horwich Farrelly in 2015 and was made Partner in 2019. Raouf has over 15 years’ experience of defending personal injury claims on behalf of insurers. He is experienced in all aspects of quantum, complex liability enquiries, indemnity issues and policy disputes arising from misrepresentation and ambiguous policy wording. He is instructed in a variety of catastrophic claims including employers' liability, public and occupiers liability and works closely with a number of UK insurers advising on early stage investigations through to resolution. Raouf is experienced in dealing with multi-million pound claims involving complex rehabilitation packages and can advise on complex settlements involving statutory funding and Periodical Payment Orders. Raouf regularly delivers training to insurers on a wide range of topics.
Andrew focuses on large loss motor work in particular motor indemnity cases. He has significant experience of preparing cases to be put before the Technical Committee of the Motor Insurers’ Bureau. Andrew has taught civil litigation to ILEX students and regularly provides training to clients on motor indemnity and other technical issues arising in motor defence work. He also advises insurers on policy wordings to help minimise indemnity spend. Andrew also has extensive experience of EL/PL injury work for a range of insurers and self-insureds and also injury claims arising out of shipping accidents. The Legal 500 described him as "a tenacious litigator who leaves no stone unturned and is utterly reliable".
With a background in the motor insurance sector, James joined Horwich Farrelly in 2003. James has a wealth of knowledge of all aspects of defendant motor litigation and is responsible for a number of teams across our offices specialising in counter fraud, dispute resolution, MOJ Portal claims and counter claims. James works closely with one of our key insurer clients to provide specialist training and on-site consultancy, as well as developing pre and post-litigation working practices and implementing strategies in the defence of personal injury claims.
Paul has 15 years’ experience within Horwich Farrelly’s award-winning counter-fraud department and a further four years’ experience in the claims department of a leading national insurer. His areas of expertise include RTA Fraud, in particular staged/induced collisions, LSI and Credit Hire.
Paul is a vocal proponent for the fair use of provisions in the insurance industry’s fight against fraud. Recently he worked with a number of insurer clients to lobby against proposals from the CPR Rules Sub-Committee to change rules on admissions of liability under the claims portal.
Kevin has over 20 years experience of personal injury and insurance litigation. He joined Horwich Farrelly in 2011 as a partner specialising in serious and complex personal injury work. Kevin also delivers regular technical and practical training to insurers on a wide variety of topics.
David joined Horwich Farrelly in 2018 with 25 year’s experience in defending claims on behalf of insurers, local authorities and corporate clients. He is instructed on a variety of complex and large loss personal injury cases including inquests, fatal claims and HSE investigations. He has experience of dealing with employers' liability, motor, product liability and disease claims and has a special interest in fraudulent claims including contempt of court proceedings and private prosecutions.
Miles is another example of Horwich Farrelly's commitment to recognising and rewarding talent. After joining Horwich Farrelly in 2007 as a paralegal, he completed his training contract and qualified into the Counter Fraud department in March 2010. In 2016 he was made partner. He now heads up a team of specialist lawyers focusing on defending LSI, late notified and general motor fraud claims. He has overseen a number of notable results including Nolan v Shields (2015), the first finding of fundamental dishonesty following a mini-trial after the claimant had discontinued his claim. Miles also spends considerable time training clients and developing counter fraud strategies.
Chris has acted for insurers in defending catastrophic injury claims for over 25 years and has been involved in many reported cases. Some of his most notable cases are the House of Lords decision in Hunt v Severs, a leading personal injury decision where he acted for the successful defendant, Doyle v Wallace concerning the assessment of loss of earnings and loss of chance, and Wall v Mutuelle de Poitiers which determined the expert evidence to be called in claims where foreign law applies to the assessment of damages in this country. Being a founder member of the Disability Assessment Unit, he was also closely associated with the introduction of rehabilitation into the process of claims handling. He is also a founder member of its successor, The Bodily Injury Claims Management Association (BICMA).
Peter has worked with insurance companies for more than 30 years and has specialised in catastrophic personal injury work since 1992. Peter primarily deals with large loss cases arising from road traffic collisions and his specialist areas of expertise include traumatic brain injury, spinal cord injury and multiple amputation. He is also experienced in claims by members of HM Forces and regularly deals with claims reserved in excess of £5m. In addition, Peter is experienced in drafting and advising in relation to Periodical Payments Orders, dealing with the requirements of re-insurers and auditing files on the instructions of re-insurers. Notable cases include McHugh (deceased) v Okai-Koi (2017) EWHC 710 QB, Cockbill v Riley (2013), and Hopkins v Simmons (2010).
Simon Curtis has been defending personal injury claims for more than 20 years and is recognised as a market-leading large loss defence lawyer. Currently, Simon handles a range of catastrophic injury claims valued in excess of £5 million and is experienced in dealing with complex issues relating to Periodical Payment Orders (PPOs). These include the case of Bennett v Stephens and Zenith Insurance Company (2012).
Simon also undertakes defence work in respect of HSE prosecutions arising out of workplace accidents. Furthermore, Simon represents Horwich Farrelly on the Queen’s Bench Division of the Royal Courts of Justice.
Morgan joined Horwich Farrelly’s Counter Fraud team in 2015 and was promoted to Partner in 2019. He has extensive experience defending motor fraud claims having worked in the insurance and legal sector for over 17 years. He specialises in defending complex fraud matters and has a particular interest in committal and tort of deceit litigation. Morgan manages accounts for a number of key clients and he heads up a team of specialist lawyers servicing their accounts. He regularly provides client training and works closely with them developing their counter fraud strategies. He is also responsible for ensuring the department maintains its levels of success, growth and excellent customer service and satisfaction.
Simon is a specialist in recoveries, personal injury and RTA litigation, and has over 20 years’ experience working in the insurance claims sector. He joined the firm in 2004 and now leads a dynamic team of fee earners who specialise in dispute resolution and recovering insurer clients’ outlays in a quick, dependable and cost-effective manner.
Simon is also responsible for delivering liability training and developing strategic programmes for insurer clients to maximise recoveries and shorten lifecycles.
Partner & Head of Southampton Office
Rod has spent the last 30 years in insurance litigation and is Head of Horwich Farrelly’s Southampton office. He specialises in catastrophic personal injury and large loss fraud claims and is recognised as an expert in his field by Chambers, Legal 500 and Legal Experts. Rod is a former President of FOIL and Chambers states Rod is "Well known for policy work around fraudulent and dishonest claims." He currently sits on FOIL's Catastrophic Claims and Solicitors Regulation sector focus teams.
Partner & Head of Northern Ireland Office
A leading figure in Northern Irish courts, Matthew worked for us for over 10 years, completing his training contract with us and becoming the manager of our Liverpool office before returning to Northern Ireland where he spent time at two of the province’s most prominent firms. He has established a reputation as one of the leading specialist litigation solicitors in Northern Ireland, and his wide-ranging experience also includes commercial and insurance disputes, construction disputes and personal injury claims. With a real desire to change the way litigation is dealt with in Northern Ireland, Matthew’s remit, and intention, is to modernise the way cases are handled. He currently sits on FOIL's NI Access to Justice and Costs sector focus teams.
Claire is a specialist defendant litigation lawyer who has been working in the field of personal injury and insurance disputes for 25 years. She specialised in large and complex injury claims and is a qualified mediator. Claire works closely with key personnel at major clients in a coaching capacity and currently sits on FOIL's ADR sector focus team.
Partner - Commercial debt recovery
Joanne’s clients vary in size and sector and include E.ON UK Plc, Gazprom Energy, Heineken UK, AB InBev UK and RSA. She is experienced in analysing debtor profiles to focus resources on those most likely to pay, and in using insolvency proceedings ensure debts are paid. She is experienced in enforcing contractual guarantor obligations.
Alistair has more than 20 years’ experience dealing with large and complex injury claims arising out of employers' and public liability claims and motor accidents. He specialises in dealing with claims involving head and spinal injuries, amputation and fatal claims and has a particular interest in chronic pain conditions, and claims with an element of fraud/exaggeration. He works closely with a number of insurers throughout the UK conducting early investigations through to resolution. Alistair also has experience in dealing with foreign claims. Alistair regularly provides client training to insurers on a wide range of technical issues. Notable cases include Alker v Collingwood Housing Association where he acted for the defendant in relation to a Defective Premises Act claim which set out the correct test under S.4(1).
Jane has been recognised in both the Legal 500 and Chambers as a leading Catastrophic Personal Injury Lawyer. Jane has extensive experience of high value and complex personal injury matters involving employers’ liability and road traffic accidents. She is known for being a tough but fair negotiator. She engages early with claimant solicitors, has a versatile and innovative approach and remains outcome focused to achieve the best settlement at the earliest opportunity. Notable cases include Harding v Wealands, where Jane acted for the defendant, an Australian insurer in relation to jurisdictional issues and applicable law, and Timpson v Bailey which determined the meaning of capacity under s.3 of the Mental Capacity Act 2005.
Partner & Head of Large & Complex Injury Group
Malcolm has over 25 years’ experience of dealing with large loss claims arising from motor accidents, primarily those relating to spinal cord or brain injury. His experience in CAT PI claims is recognised by both the Legal 500 and Chambers legal guides in which he is recorded as one of the leading practitioners in his field. His work includes litigation across the UK, Europe and the USA. Malcolm has lectured regularly on his subject and has been widely published.
Stephen was admitted as a Solicitor in 1991. For the last 16 years he has specialised in acting for insurers in high value and complex catastrophic injury claims, involving spinal and head injuries, amputation and other major orthopaedic claims as well as fatal accidents. The cases involve, at times, complex liability, care and OT, accommodation, Court of Protection, Local Authority and employment (amongst other areas) arguments. He has been involved in a number of cases which have settled by way of periodical payments.
Catherine joined Horwich Farrelly in 2010 as Partner, dealing with catastrophic and large loss civil claims. With extensive experience, she is widely recognised as one of the UK's most experienced large loss and catastrophic injury handlers and is a member of a number of insurer panels.
Simon joined Horwich Farrelly in 2015 from Greenwoods. With over 30 years litigation experience acting on behalf of insurers and self insureds Simon is a recognised expert in the field of occupational disease, employers and public liability. He undertakes large loss and complex claims and is an expert on costs. Notable cases include Pirelli General plc v Gaca (2004), an employer’s liability claim which allowed the defendants to take account of payments under ill health policies, and Harland & Wolff plc and Another v McIntyre (2006) and Chandler v Cape Plc. Simon was appointed Deputy District Judge in 2013.
Partner & Head of Fraud
Jared joined the firm’s counter fraud department in 2003. He was made a Partner in 2012. He divides his time between managing the department and client account management. In 2015, his collaboration with Aviva to tackle Low Severity Impact claims became the most acclaimed in the market, securing five industry awards. He also specialises in late notified claims, general motor fraud, fraud rings and credit hire fraud. He is actively engaged in the firm’s apprenticeship programme. Jared’s team has achieved market-leading results in findings of fundamental dishonesty. These include Aviva v Burnett (2015), concerning a semi-professional footballer’s dishonest whiplash claim and Rouse v Aviva, which was one of the first findings of fundamental dishonesty in a case which did not reach trial.
Partner & Head of Volume Litigation, Motor & Casualty
Patrick embodies Horwich Farrelly’s commitment to recognising and rewarding talent, having risen from trainee solicitor to partner in a little over seven years. Patrick’s areas of expertise include catastrophic loss, MOJ claims, motor claims and costs. He specialises in cases involving technical points on the interpretation of the Civil Procedure Rules and Pre-Action Protocol, dealing with such issues as the inappropriate removal of matters from the portal by claimants. Notable cases include the appeal of Cunningham v AST Express & ANR (2009) and he was acted on behalf of the respondent in the case of Saul v Fielding (2015).
Partner & Head of Costs
With more than 15 years’ experience in the costs industry, and having dealt with both sides of the litigation divide, Paul is highly skilled in all areas of costs management, advocacy, detailed assessment and catastrophic injury. Results-driven, pragmatic but commercially focused, he places great value on team leadership, development and engagement. Paul is also a non-executive director on the Costs Lawyers Standards Board and sits on the FOIL Sector Focus Group for Costs.
Tony has over 18 years’ experience of conducting all aspects of serious injury litigation, predominantly motor but also public and employers’ liability claims. He specialises in the full spectrum of catastrophic injury litigation and is frequently instructed by insurers at an early stage in order to conduct liability investigations and provide strategic advice. Tony is typically involved in each discrete stage of the claim, including criminal proceedings and inquests as well as the substantive civil proceedings. Tony has developed a particular specialism in cases involving brain injury, amputation, spinal injuries, fatal accidents and the full gamut of chronic pain conditions. He also has a special interest in high value claims with an element of fraud/exaggeration.
Based in Horwich Farrelly's London office, Darren handles cases in respect of credit hire, general personal injury, low speed impacts and opportunistic fraud. He has been instructed by insurers for over 20 years and is regarded as a key figure for defending road traffic cases. He is most recognised throughout the insurance industry for his work in credit hire having personally handled the 2009 Court of Appeal cases of Copley v Lawn and Maden v Haller which still today sets out the framework for intervention strategy.
With more than 30 years in private practice specialising in personal injury work for insurers, Tom has handled a wide variety of cases for many different clients on cases involving catastrophic and fatal injuries. Tom also advises insurers in areas of strategic development, delivering training programmes to insurer claims teams. He continues to handle a caseload of high value claims and supports the supervision and management of one of our large and complex injury teams.
Partner & Head of Intelligence Services
In a 20 year career within the insurance fraud arena, Rick has investigated a wide variety of claims including personal motor, commercial motor, large loss, fraud rings, credit hire, home, travel, EL/PL, commercial property and application fraud. Managing a team of 35 specialist intelligence analysts, he and his team support Horwich Farrelly’s Know Your Opponent strategy focusing upon solicitors, credit hire companies and medical service suppliers.
Rick has given evidence extensively in both civil and criminal courts, notably in major organised fraud investigations and contempt proceedings. He is the company’s spokesperson and point of contact for industry fraud forums, including IFIG, IFB, IFED and TUFF.
Partner & Legal Operations Director
Michael joined Horwich Farrelly in 2008. He has a breadth of expertise in motor fraud work and an interest in the recovery of legal costs. He was made a Partner in 2017 and Legal Operations Director for the whole firm in 2019. Notable cases include leading an investigation into the credentials and qualifications of medico-legal expert, Titus Odedun which led to the GMC striking Mr Odedun off the medical register. He also handled Clarke & Others v Thompson , which ended in the court finding the claimants' representatives' conduct involved an element of impropriety leading to them having to personally meet more than 50% of our client's £30,000 legal bill.
Partner & Head of Innovation
David’s team defend a variety of dishonest claims on behalf of insurers, large corporates and public sector organisations. In 2015, his team won four industry awards. The schemes were also commended by the then Secretary of State for Justice. Notable cases David include Jet2holidays v Weir & others in which a family of four were handed suspended sentences after submitting fraudulent holiday sickness claims, and Burnett v Aviva which led to the first ever prosecution by the Attorney General in an insurance fraud case. A regular industry media commentator, David has appeared on Claimed and Shamed and The One Show. David speaks at legal conferences and seminars on subjects such as fundamental dishonesty and QOCS, and provides training to clients on identifying, analysing and combatting fraudulent claims. He sits on FOIL's Fraud sector focus team.
Partner & Head of Scotland
A leading figure in Scottish courts, Steven joined Horwich Farrelly in January 2019. Bringing a breadth of experience in the market which includes practising in disease, historic abuse and regulatory claims, he has helped forge lasting and key relationships with major insurer and commercial clients for many years. An accredited personal injury specialist (Law Society of Scotland) and member of the Civil Justice Committee of the Law Society of Scotland, Steven has been involved in a number of significant cases, such as appeals to the House of Lords and to the Inner House of the Court of Session. He has successfully defended numerous fraudulent claims and sits on FOIL's Scotland Costs, Fraud and Large Loss sector focus teams.
Lewis joined the counter fraud team in 2003, qualifying as solicitor in 2005. Lewis has a wealth of experience in representing insurers in the defence of fraudulent claims and heads up a team of specialist lawyers defending all types of motor fraud, including credit hire fraud, fraud rings, LSI and Late notified claims. Lewis also provides assistance in devising and implementing counter fraud strategies to identify and challenge fraudulent claims, and acts for insurers in strategic litigation involving professional enablers and private prosecutions.
Peter specialises in catastrophic and large loss claims for major clients. He is a specialist in foreign catastrophic claims. He is a former winner of the Defendant Personal Injury Lawyer of the Year for his consensual approach to work within the catastrophic injury market. He manages an extensive portfolio of claims of the utmost severity and complexity. He is a pioneer for alternatives to traditional court litigation. Described by Legal 500 as “very experienced in serious injury claims and takes a sensible and collaborative approach, which is very effective in resolving complex disputes” and Chambers and Partners as “very sensible, forward-thinking and innovative” he is published in insurance journals such as Insurance Day and the Journal of Personal Injury Law.
Partner - Dispute resolution
David advises on a wide range of commercial disputes on behalf of companies, partnerships and individuals. He regularly handles disputes including breach of contract claims, shareholders and director disputes, professional negligence and when injunctive relief is sought.
Alex leads our Large Loss Fraud team and personally deals with the most complex fraud litigation including Contempt of Court proceedings, Conspiracy actions, Fraud rings and staged accidents. Alex provides training on all aspects of Fraud litigation, both internally and externally, including at Insurance Fraud Bureau events. Notable recent cases include Jet2holidays v Brown, where he acted for the tour operator in a claim alleging conspiracy to defraud against two dishonest holiday sickness claimants, LV v Karim in which a dishonest Claims Management Company director was sentenced to 6 months in prison for contempt of court and Hughes v Jet2holidays by securing a landmark Court of Appeal ruling which will makes it easier for travel companies to prosecute dishonest claimants.
Partner & Head of Credit Hire
Max specialises in credit hire, personal injury and RTA claims, and has over fourteen years’ experience working within the insurance law sector. Presently leading a team of 40 lawyers over three offices, Max is also responsible for developing training and strategy programmes for insurer clients.
A regular contributor to the press on specialist insurance issues for titles including Post magazine and The Sunday Times, Max pioneered the use of the 2008 Regulations in respect of credit hire, as a result achieving insurers significant savings. Notable cases include Taylor v Chan (2011) which saw him win a case against unenforceable credit hire agreements.
Most recently his team have run the successful Court of Appeal case of Akhtar v Boland (2014) and A Line Taxis v Ward (2014). Max is also Chair of the FOIL Credit Hire Sector Focus Group.
Chief Operating Officer
Tom qualified as a Chartered Accountant with PwC working in financial audit and advisory. He worked on a series of high profile engagements ranging from the administration of Lehman Brothers to regulatory change projects with large financial institutions. Following his time with the professional services firm, he moved to global advertising network BBDO, where he worked closely with senior management across EMEA in a financial and operational capacity. He joined Horwich Farrelly in 2016 with experience in senior stakeholder management, process re-engineering, business partnering, MI & reporting, financial forecasting & planning, working capital management, IT & regulatory change projects, system design, M&A, due diligence and transfer of businesses and systems. Tom has a Masters in Engineering Science.
Business Development Director
Rachael has been working within professional services since 2001 and has been a director for over 15 years. Initially qualifying as a fee earner specialising in risk and corporate governance, Rachael moved into business development in 2007. Since then she has worked for a variety of national and international firms driving business development and marketing activity.
Rachael’s areas of expertise include bid management, brand, internal communications, events, product development, market research and client relationship management. She is a chartered member of the CIPR, a member of the Chartered Insurance Institute and is currently studying for an MBA at Durham University.
Chief Information Officer
John joined Horwich Farrelly in early 2020. He has held senior IT roles within large organisations across a wide range of industries for over 20 years. He is extremely experienced in transformation, business processes and operations management, and his expertise also covers delivering to agreed service levels using best pratice frameworks and standards such as ITIL, ISO and COBIT.
CIPD qualified, Oliver is an experienced HR professional with over 20 years’ experience in large retail and professional services organisations. Following a successful career in retail management Oliver moved into learning and development in 2005 using his commercial understanding to develop people strategies in order to grow businesses organically and through acquisition. Since then he has worked in a number of law firms in senior leadership roles driving value and growth through their people. At Horwich Farrelly Oliver is responsible for all aspects of our people experience focussing on making our business a great place to work, a place where they can thrive, progress and so enable them to deliver the best client experience possible.
Head of Client Insight
Prue is a solicitor with over 30 years’ experience in insurance. Following a period specialising in all forms of defendant motor, EL, PL, disease and property damage litigation she moved in-house to CIS, where she dealt with the most complex and esoteric disputes arising from the general and life insurance businesses. She became head of litigation and dispute resolution for Co-operative Financial Services, responsible for one of the UK’s largest in-house litigation & dispute resolution functions. Prue also worked at a global law firm on one of the largest legal projects in the UK. Joining Horwich Farrelly in 2015, Prue leads the firm’s Insight Group. Her experience puts her in a unique position to support clients in the ever-changing insurance legal landscape
Head of Legal Support and Facilities
With over 15 years’ experience in leading legal support teams, Gill specialises in building motivated, high performance support teams that consistently achieve outstanding results. Gill has extensive experience of centralising support functions, leading through change by setting clear priorities, demonstrating resilience, communicating a vision and engaging across the organisation to ensure full co-operation, commitment and success. Gill has management responsibility for business support teams across the UK including file inception & data capture, call centre, file closing including billing & debt recovery, facilities, post room, document management, secretarial and regional office support. Previously Gill worked in similar roles at Addleshaw Goddard LLP for 15 years and KPMG for two years. Gill is an Associate member of CIPD and MCMI.
Head of Risk & Assurance
Jade is a qualified professional member of the International Compliance Association (MICA). As Head of our Risk and Assurance Department, Jade is responsible for driving our risk management strategies and corporate assurance framework across the Firm’s activities, including promoting a culture of compliance and risk awareness. Jade’s experience in risk and corporate assurance comes from an extensive background in international corporate firms, including Osborne Clarke and Livingcity Property Group. Jade’s areas of expertise include, Data Protection (GDPR), risk management, contract management, and regulatory compliance across England & Wales, Northern Ireland and Scotland.
Head of Continous Improvement
Nicola has over 10 years’ experience in change and business improvement, having previously worked in high risk industries such as Healthcare and the NHS Litigation Authority. Following her appointment at Horwich Farrelly in 2015, Nicola established the Project Management Office to deliver change and improvement projects across the firm applying a future-proofed and holistic approach. Having experience in developing and auditing quality and risk management standards, including ISO 9001, and evaluating data in an insightful manner to enable effective decision making, Nicola employs a structured yet adaptable approach to change and improvement, ensuring improvements are scalable to evolving client and business needs. Nicola’s areas of expertise include process efficiencies utilising Lean Six Sigma methodologies, stakeholder management and software development projects.
Head of Technology Service & Transition
Alan joined Horwich Farrelly in 2019, focused on the delivery of technology services in the firm. He is accountable for the key technology service delivery, service improvement initiatives, the reporting and analytics services, and the overall management of IT programme planning and resourcing activities. With a wealth of experience in technology service, Alan has worked for two large IT services organisations prior to spending three and a half years at Freshfields Bruckhaus Deringer where he worked as part of the management team delivering their own digital transformation. An approachable leader with a background in service management and business relationship management, he was recognised for his impact, winning the 2018 North West Young IT Professional of the year.
Head of Volume Litigation Operations, Motor and Casualty
Up until joining Horwich Farrelly in 2016, Paul had spent 33 years working for insurance companies in a variety of motor insurance roles encompassing motor trade, commercial motor, fleet and private motor sectors. Latterly he has held several senior positions with Aviva culminating in the position of Head of Motor Claims. His extensive knowledge and experience of how claims are practically handled across the market is helping Horwich Farrelly shape its own offerings so as to better meet client needs, particularly in the volume claims space.