AXA Commercial Lines & Personal Intermediary

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  • About AXA

    In July 2012 the AXA Commercial Lines and Personal Intermediary businesses came together to form a new single organisation – AXA Commercial Lines and Personal Intermediary. Led by Amanda Blanc, the business offers brokers a more integrated and consistent approach from AXA which is focussed on their needs as a business – whatever the product. AXA Commercial Lines & Personal Intermediary provides underwriting expertise, offering a range of commercial lines and personal lines products and insurance solutions to our brokers and customers.  AXA Commercial & Personal Intermediary is part of AXA Group, a worldwide leader in insurance and asset management serving 101 million clients. 

AXA and DAC Beachcroft secure landmark fraud ruling


Court of Appeal ruling clarifies a 50-year-old law on exemplary damages

  • The decision means that fraudsters may have to pay damages above and beyond a claimant’s losses if their behaviour and conduct is ‘outrageous’
  • The case relates to an AXA Investigation from 2014 which uncovered ghost broking, policy inception fraud and bogus claims
  • AXA Insurance and international law firm DAC Beachcroft have secured a major Court of Appeal ruling which could see fraudsters pay additional damages to insurers if their behaviour and conduct are deemed ‘outrageous’.

The payments, known as exemplary damages, which are damages paid over and above the claimant’s loss, are governed by a 50-year-old law clarified by the Court of Appeal today.

In its ruling in AXA Insurance UK Plc v Financial Claims Solutions Limited and others, the Court of Appeal confirmed that AXA, advised by DAC Beachcroft, was entitled to exemplary damages against a group of fraudsters behind a large scale personal injury claims scam operated through Coelum Legal, a fake law firm.

The case relates to an AXA Investigation from 2014 which uncovered ghost broking, policy inception fraud, bogus claimants, forged witness statements, fake medical reports and one of the fraudsters posing as a solicitor. It was described by Lord Justice Flaux in the Court of Appeal today as “a sophisticated and sustained fraud involving deceit and fraudulent misrepresentation from the outset".

In earlier litigation, the claims were described as 'rotten to the core' by one High Court judge when awarding an injunction against Coelum Legal to prevent them from litigating against AXA. Another High Court judge had awarded AXA its costs but had refused to award exemplary damages.

Tom Wilson, Counter Fraud Manager, AXA Insurance said: “This decision from the Court of Appeal, clarifying the law on exemplary damages, helps send out a clear message to anyone attempting to defraud insurance companies and will make unscrupulous organised fraudsters pause and think about their actions carefully. Insurance fraud of this type hits ordinary policyholders in the pocket and we are delighted that this new ruling could see fraudsters pay in kind for their outrageous actions.”

Claire Laver, Counter Fraud Partner, DAC Beachcroft commented: “I am delighted with the decision which finally resolves decades of uncertainty around the application of exemplary damages. It is still rare for courts to award exemplary damages but the Court of Appeal clearly felt that the fraudsters' activities was so extreme that exemplary damages were appropriate. I am thrilled for those at AXA who have worked tirelessly to bring about this change and who have led a novel approach to tackling organised fraud. This is a great example of collaboration and partnership between Insurer, solicitor and barrister at its best.”

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