Specialist legal expenses insurer, Financial and Legal Ltd, has developed a new product range to cover excess losses on home, motor and bike policies. It also offers a combination product. The products are available via brokers.

Karen Beales, managing director of FLI, said: “The excess can differ by policy and insurer so we have developed our proposition to ensure brokers have greater flexibility to select a product to suit the customer needs.”

She added: “The market is in stasis and struggling to attract new capacity, so we have a great opportunity, using our own capacity, to re-energise the sector with more innovation.

“We are also able to enable delegated authority for policy issue and claims, or we can handle claims ourselves, so our broking partners have a number of options to choose from.”

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