Andy Chesters is an insurance expert and consultant based in Kent, England. He has over 25 years of experience in motor insurance underwriting, management, and claims handling. He has held senior roles at several major insurance companies, including Novae, Chaucer, and Royal & Royal Sun Alliance. Currently, Chesters operates his own consulting firm and provides expert witness testimony and training services to insurance brokers, companies, and law firms. He has extensive expertise in all areas of motor insurance and a proven track record of successfully growing business.

1. CHESTERS ASSOCIATES
100 Bathurst Rd, Staplehurst, Kent, TN12 0LJ
Tel: 01580 895389
Principal: Andy Chesters BAMA ACII
Mobile: 07909963536
Email:chesters996@btinternet.com
PERSONAL INFORMATION
Date of Birth: 11/12/1963
Educated: Dr Challoner’sGrammarSchool,Universityof EastAngliaandRegent’sUniversity
Marital Status: Divorced
Children: One son
QUALIFICATIONS
BA (Hons) Universityof EastAnglia(EnglishHistoryandDrama – 2.2)
MA RegentsUniversity,London (WritingforStage andScreen – 2.1)
CharteredInsurance Practitioner(CIP)
Associate of the CharteredInsurance Institute (ACII)
MEMBERSHIP
PractisingAssociate Memberof The Academyof Experts
EXPERT WITNESS – GBRW
Independentinsurance expertwitness.
SENIOR CONSULTANT – FLAXMANS
Independentinsurance claimsadvocates,strategicriskanddispute resolutionconsultants:advisers
to insurance broker’sclients;solicitors( aslitigationsupport) professional firms;Listedandunlisted
companies,professional bodies,trade associations,charitiesandnotforprofitorganisations.
Insurance consultantandindependentinsurance expertadviser/witness.
PROFESSIONAL PROFILE
Over25 yearsexperiencemanagingmotorinsurance underwritingdepartmentsinthe London
Composite Insurance Companymarketandat Lloyd’s.

2. CHESTERS ASSOCIATES
100 Bathurst Rd, Staplehurst, Kent, TN12 0LJ
Tel: 01580 895389
Principal: Andy Chesters BAMA ACII
Mobile: 07909963536
Email:chesters996@btinternet.com
KEY SKILLS AND ACHIEVEMENTS
 Insurance: Expertinall aspectsof motorinsurance,includingcomplex arrangements and
delegatedauthorities.Goodworkingknowledgeof the insurance industrygenerally.Experience
of negotiatingcapacityandsettingandmanagingstrategicdirection
 BusinessDevelopment:Identifiedtargetsforbusinessdevelopment,managedprocessesand
strategyfor implementation,resourcingandexecution.
 Leadership:Responsible forrecruiting,trainingandleadingkeypersonnel.
 RelationshipManagement:Managingand developingstrategicrelationshipswithintermediary
producersandkeyclients.
 Expert Witness:TrainedbyThe Academyof Expertsingivingoral evidence inCourtandpractical
experience of doingso.
 Expert Witness:NominatedbyLawyerMonthlymagazine fortheirExpertWitnessAwards,2016,
for fieldof expertise(resultpending).
CAREER HIGHLIGHTS
2014; SeniorConsultant – Flaxmans
2013; Expert Witness – GBRW Expert Witnessand ChestersAssociates
2013: Consultant
Offeringadvisoryservicesinthe motorinsurance marketincludingexpertwitness,peerreview and
training.
2008 – 2012: Head of Motor Insurance – Novae
Substantial wholesale insurance underwriter;c£600m for all classesof insurance andwith230
employees
 Invitedbythe Chief Underwritertosetupa Fleetbusinessata time whenthere were signsof a
marketupturnafterthe problemsoutlinedunderChaucer(see below).
 Wrote £5m businessinfirstyearhavingassembledahandpickedteamof three people.
Sustainedasmall lossandit became apparentthe marketwasnot pickingup.
 Premier,aprivate car underwriter,decided totransferitsbusinesstoNovae fromChaucer.
 Wrote £20m of veryprofitable delegatedprivate carbusinessin2010 and justunder£30m of
Fleetandbindingauthorityprivatecar/commercialpremiumincome withfive staff.
 Managed Brokerrelationshipsand the placingof reinsurance,inconjunctionwithBrokers,and
maintainedsubsequentReinsurerrelationships.
 Howeverthe Chief Underwriterhadmovedonandthe Financial Directortookthe decisionto
save fourstaff by closingdownthe Fleetbusiness,part of a package of cuts.

3. CHESTERS ASSOCIATES
100 Bathurst Rd, Staplehurst, Kent, TN12 0LJ
Tel: 01580 895389
Principal: Andy Chesters BAMA ACII
Mobile: 07909963536
Email:chesters996@btinternet.com
 Negotiatedanexitdeal tostayonfor a suitable recompense inordertorun off the Fleet
businessandthenmake acareer decisionforthe future.
2000 – 2008: Deputy thenFleetUnderwriter– Chaucer
General insurance underwriter basedinLondonandWhitstable,withover400 employeesandtwo
overseasoffices;total motoraccountwas over£100m outof £600m forall insurance classes
 Approachedtotake overand reinvigorate the £23m Fleetaccountwhichwasunprofitable.
 Rapidlyidentifiedandcutthe unprofitableparts,reducingthe accountto£18m before then
buildingittoa highlyprofitable£35m accountby 2005 and £42m in 2006.
 Introducedexcellentsystemsandbusinessdisciplineswhichprovidedtransparentonscreendata
for rapidquotes,tightadministration,goodclaimsmanagementandtimelyprofitabilitydata.
 Developedvariousdealstosuitdifferentclientgroupssuchasa Non-Conventional dealfor
ThamesWater anda retrodeal for the BritishRedCross.
 Due to the successof Chaucerand othercompaniesthere wasa substantial numberof new
entriesintothe marketwhose cheapunderwritingcausedamarketdownturn.
 Reducedgrowthwhichreducedthe accountto a still profitable £30mbut ledto considerable
concernsinthe annual battle forcapacityacross the company. Hence the move toNovae.
1988 – 2000: Motor FleetUnderwritingManager– Royal & Royal Sun Alliance
 Reportedtothe overall FleetManagerasthe deputyheadof the combinedFleetoffice
responsible for£8m outof £18m premiumincome.
 Playedakeyrole inmanagingthe Fleetpartof a verydifficultmergerin1996/7.
 Promotedsuccessivelyover12 yearshavingjoinedRoyal asa DevelopmentUnderwriter.
 Excellentexperience workingtoveryhighstandardsandtransparentprocesses.
1985 – 1988: Trainee then Inspector– GuardianRoyal Exchange
 Useful insurance groundingbutthentookdecisiontobecome anunderwriter.

4. CHESTERS ASSOCIATES
100 Bathurst Rd, Staplehurst, Kent, TN12 0LJ
Tel: 01580 895389
Principal: Andy Chesters BAMA ACII
Mobile: 07909963536
Email:chesters996@btinternet.com