Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a wide range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.

1. Independent insurance brokers
and financial advisers
Offering tailored solutions for corporate and personal clients

2. Innovative solutions,
personal service
Good insurance brokers should listen carefully to their clients,
understand what is required and faithfully and intelligently
reflect this to insurers.
An accurate and economic insurance portfolio must be
delivered with an attentive and consistent level of service,
both in the adequate and prompt settlement of claims and
the changing needs of the client.
We at Lucas Fettes & Partners take great pride in our skill,
courtesy and attention to detail.
The high quality of our staff, our close relationships with
clients and our standing in the underwriting market ensure
a quality of service which distinguishes us from the larger
insurance brokers and cannot be offered by the smaller.
These traits can be found throughout our Group, extending to
our corporate and personal financial planning services as well
as our wholesale insurance facilities.
Robin Lucas
Chairman

3. About Lucas Fettes
& Partners
Lucas Fettes & Partners is an independently owned
Lloyd’s accredited insurance brokerage, financial
planning and employee benefit advisory practice.
The original ethos of Lucas Fettes &
Partners’founding directors today
remains a constant throughout
the company, with an emphasis on
personal service. The company has
developed through its relationships
with other professional practices,
concentrating on the provision
of solutions to the needs of both
corporate and personal clients.
We are a leading independent
supplier of insurance and financial
services solutions and take the time
to understand the specific needs
of both businesses and individuals
before delivering tailored advice and
solutions.
We aim to develop a long-term
relationship with our clients based on
confidence and trust and are able to
offer a service to clients across the UK
through our network of offices.
We have enjoyed a history of
continuous growth and have an
extensive operation and a strong
reputation in insurance markets. This
means that we are ideally placed
to meet today’s demands for ever
increasing standards of quality and
service.
Our core services:
• Commercial Insurance
• Personal Insurance
• Corporate Financial Planning
• Personal Financial Planning
• Wholesale / Sub Agent Facilities
• Professional Connections
Broker at Lloyd’s
Lloyd’s is the world’s specialist
insurance and reinsurance market,
bringing together an outstanding
concentration of underwriting
expertise and talent. It is often the
first to insure emerging, unusual
and complex risks.
Around 80 syndicates underwrite
insurance at Lloyd’s, covering
all classes of business. Together
they interact with thousands of
brokers daily to create insurance
solutions for businesses in over
200 countries and territories
around the world. Lloyd’s insures
the majority of FTSE 100 and
Dow Jones industrial average
companies.
Lloyd’s enjoys strong financial
security supported by excellent
ratings.
Visit www.lloyds.com for more
information.

4. Ideas that will change your company’s
perception of insurance provision

5. Commercial Insurance
At Lucas Fettes & Partners our objective is to ensure that our
clients are properly protected when the unexpected happens.
We add value through personal service and innovative solutions.
Our comprehensive range of insurance
broking services is designed to meet
business requirements. These extend
from the protection of tangible assets
such as buildings, contents and
computer equipment to professional
indemnity and insurance against loss
of profits or income.
Understanding that every business has
different requirements is essential. We
have a host of insurance solutions and
risk management services available for
our clients, including:
• Insurance programme design,
advice and implementation,
ranging from basic requirements
tailored to meet your needs
through to in-depth analysis and
placement of complex, multi-
national strategies
• Independent, expert advice and
assistance on claims
• Advice on the importance of,
and implementation of, risk
management procedures
Our promise is that we will match your
very specific and unique risks to the
most appropriate insurers, obtaining
effective cover for you, economically.
Specialist expertise
At Lucas Fettes & Partners our
knowledge and expertise means
we can arrange some of the most
comprehensive and beneficial
insurance packages available in
the marketplace.
Our specialist areas include:
• Commercial Property
• Professional Indemnity
• Professional Liability
• Media
• Education
• Charities
• Marine, Freight and Logistics
• Healthcare and Care
• Insurance Due Diligence
• Trade Associations and
Membership Bodies
• Wholesale Insurance
• Health and Safety and
Employment Law
• Agricultural Machinery Dealers
• Professional Connections

6. Offering comprehensive cover and the
service to support you when you need it

7. We specialise in providing insurance solutions to
individuals who require a highly personalised service.
We understand discerning clients
and have a depth and breadth of
knowledge and experience. We
employ professionals who genuinely
understand the true nature of your
insurance requirements and provide a
tailored solution to suit your needs.
We also recognise that with period
properties, antiques and other
high value items it is of paramount
importance that your specific needs
are catered for and, in the event
of a claim, the restoration, repair
or replacement is undertaken by a
specialist.
Our solutions offer wide-ranging cover
and a claims service that often allows
our clients to use their preferred
suppliers and contractors.
Some of the insurers we use will
provide free valuations for buildings,
contents and fine art.
With the pressures and pace of
modern life, we appreciate it is
sometimes easy to overlook security,
for example forgetting to set your
alarm. We are therefore often able to
arrange policies which are not subject
to alarm conditions.
In addition we can offer access to
security specialists and provide advice
and guidance on security measures.
Sometimes simple solutions such
as photographing or videoing your
valuables and storing these securely
away from your home can facilitate a
speedy and fair claims process.
Our solutions can include extra covers
such as Identity Fraud and Legal
Expenses.
Our insurance solutions
Our clients have direct access to
our insurance specialists and will
be given a primary contact to
deal with on a day-to-day basis. In
addition, our clients have access
to the directors of the company,
who maintain a close involvement
in the day-to-day management of
the business.
We can insure:
• Buildings including period and
thatched properties
• Contents including antiques and
fine art
• Holiday homes both in the UK
and abroad
• Motor including classic cars
• Yachts and motor boats
• Private aviation
• Investment properties including
holiday lets
• Travel
Personal Insurance

8. A creative and personal approach to your
business and its financial planning needs

9. Corporate Financial Planning
Our corporate financial planning and employee benefit
consultants offer a full range of services to employers,
employees and trustees.
Our services range from the design
and implementation of new
arrangements to the ongoing advice
and servicing of these, providing
both short and long-term solutions
for our clients.
Whilst many other propositions are
focused on off the shelf products
and arrangements, our approach
is flexible and entirely based on an
analysis and agreement of our clients’
requirements and those of their
employees.
Although our approach is flexible,
we have core areas of service that
we believe to be an important
foundation of our proposition.
These include:
Benefits review – this is usually the
starting point for any new client
relationship. We will undertake a
complete and thorough review
of existing arrangements in order
to assess the ongoing suitability,
cost-effectiveness and compliance
with current and anticipated future
legislation.
We will determine what your
employees value and provide
recommendations and implement
any necessary changes to address this
and maximise the impact of what you
spend.
Ongoing advice – our experienced
team of financial advisers will be
available to provide personal,
ongoing advice to both the company
and its employees.
Legislative impact – we keep our
clients updated with relevant
changes in legislation whether
these impact upon the company,
its employees or the benefit
arrangements in place, reviewing our
advice where appropriate.
Scheme administration – our
experienced team of administrators
works closely with our clients and
their benefit providers to ensure
cost-effective and smooth day-to-day
running of their arrangements.
Our services
Our style is marked by a creative
and personal approach to solving
the often complicated needs of
our clients. We pride ourselves on
helping to clearly identify their
goals and objectives and then
present a solution to meet their
precise needs.
Our services include:
• Employee benefits
• Corporate financial planning
• Employee communication
strategies
• Pension reform service,
including automatic enrolment
• Services to trustees
• Pension fund investment
consultancy
• Director/partner remuneration
strategies
• Employee benefit research
• Final salary scheme advice

10. Delivering the analysis and creation of
financial plans to suit your requirements

11. Personal Financial Planning
Lucas Fettes & Partners is able to offer a bespoke financial
planning service encompassing all aspects of your financial
planning needs. Our services will help you to build, manage
and protect your wealth according to your individual needs.
Our financial planning team will use
the breadth of their experience to
develop a realistic financial plan for
you. This will involve:
• Understanding your current
circumstances, needs and
objectives
• Undertaking research to establish
your current financial position
relative to your goals and from this
develop a structured financial plan
• Presenting your financial plan and
agreeing any changes with you
• Implementing your financial plan
with ongoing reviews at agreed
intervals
Our team are committed to
adding value through giving you
straightforward advice at every stage.
We provide full cost transparency,
detailing the work that will be
undertaken and how it will benefit
you, ensuring you fully understand
the proposed strategy and the costs
involved.
Our ongoing personal financial
planning service provides you with
the reassurance that your financial
plan will be subject to regular reviews,
ensuring it remains aligned to your
prevailing circumstances, needs and
financial objectives.
Our services include the analysis and
creation of financial plans to suit your
income and capital needs, solutions
for family protection, retirement
strategies, family wealth preservation
and tax efficiency.
Our solutions
Our reputation has been achieved
by putting our clients’needs first.
Working together, we deliver
unbiased, objective advice on the
whole range of solutions available,
including:
• Lifetime financial planning
• Individual protection
• Individual pensions
• Retirement planning
• ISAs
• Trusts
• Wealth management and
investments
Our services and charges give you
a personal choice about how we
work with you to achieve your
objectives.
Our aim is to ensure you can
make an informed decision when
agreeing how we are paid and
to ensure our independence is
maintained.

12. Providing access to specialist markets
and underwriting facilities for brokers

13. Wholesale & Sub
Agents Facilities
The Lucas Fettes & Partners wholesale division provides access
to specialist markets and underwriting facilities for insurance
brokers through an experienced team with a dedicated point
of contact for each broker. As accredited Lloyd’s brokers, this
includes access to Lloyd’s of London Markets and Facilities.
Our dedicated team of wholesale
brokers has the experience and
knowledge to work with other
insurance brokers and intermediaries,
helping them to find alternative
markets for their clients that better
suit their needs.
Lucas Fettes & Partners is able to
assist if you are having difficulty with
the placement of a risk, or if you just
require a second opinion.
We pride ourselves on operating
within the strictest timescales,
underwriting a variety of risks and
issuing all documents for these risks
promptly including schedules and
Employers’Liability certificates.
Our Lloyd’s brokers meet with
underwriters daily, enabling them to
deliver terms very quickly on a wide
range of risks, including perceived
high risk trades for Material Damage,
Business Interruption and Liability.
We are also open to discussions
in terms of portfolio transfers and
consolidation of your existing Lloyd’s
placements. We are happy to discuss
commission structures which could
benefit your overall approach.
Services to other brokers
Our broker network has been
developed through our ability to
meet brokers’requirements for
cover, combined with a personal
service.
Areas where we can assist include:
• Property
• Distressed risks
• Construction
• Liability
• Product recall
• Professional Indemnity
• Medical Malpractice
• Excess of loss for all classes
• Marine cargo, transit and
haulage liability
Our full range of services can be
found at
www.lucasfettes.co.uk

14. Developing long-term relationships
based on confidence and trust

15. Professional Connections
As independent insurance brokers and
financial advisers we have significant
experience in working as part of
a team with a client’s professional
advisers.
In addition, it is recognised by many
professionals that there is a need to
engender ongoing and long-term
relationships with clients, which
can only be achieved through
demonstrating the ongoing value
they add as a trusted adviser.
This includes the involvement of
other associated and trusted services
where the client has a need. We
have developed a proposition that
caters to this need and provides
other professionals the ability to
offer an extensive range of services
to their clients through referral type
arrangements, white labelled services
or joint ventures for those of a
sufficient size to justify this.
We believe that by creating
professional partnerships, both parties
can benefit as the range of services
on offer differentiates us from our
competitors and future competition.
Our proposition includes consultancy
and associated services, proposition
enhancement, referrals and a
commitment to work in partnership
to the client’s benefit through the
services covered in this brochure.
At Lucas Fettes & Partners, we understand that many clients
require a multi-disciplined approach to their personal or
corporate affairs to enable them to plan and implement the
best course of action for their current and future needs.
Lucas Fettes & Partners’
strengths
We have a strong record of
working successfully with
professional partners and
enabling them to offer their clients
an enhanced proposition.
Our strengths include:
• A strong track record with
professionals
• Proposition enhancement
• Composite service offering
• Clearly defined client
propositions
• National strength
• Transparent pricing and
charging model
• Long-term client relationships
• Experienced and qualified
practitioners
• Personal service delivery

16. Our offices
London
Plough Court, 37 Lombard Street,
London, EC3V 9BQ
T: 020 7413 0999
E: london@lucasfettes.co.uk
Berkhamsted
Hardy House, Northbridge Road,
Berkhamsted, HP4 1EF
T: 01442 866670
E: berkhamsted@lucasfettes.co.uk
Bristol
1st Floor, Shore House, 68 Westbury Hill,
Westbury-on-Trym, Bristol, BS9 3AA
T: 0117 989 8300
E: bristol@lucasfettes.co.uk
Cambridge
T: 01223 654011
E: cambridge@lucasfettes.co.uk
Chichester
City Gates, 2-4 Southgate, Chichester,
West Sussex, PO19 8DJ
T: 01243 530450
E: chichester@lucasfettes.co.uk
Glasgow
Mercantile Chambers, 53 Bothwell Street,
Glasgow, G2 6TS
T: 0141 248 1620
E: glasgow@lucasfettes.co.uk
Isle of Wight
42 Quay Street, Newport,
Isle of Wight, PO30 5BA
T: 01983 522577
E: newport@lucasfettes.co.uk
Manchester
Marsland House, Marsland Road,
Sale, Cheshire, M33 3YB
T: 0161 973 9101
E: manchester@lucasfettes.co.uk
Norwich
Lakeside 500, Old Chapel Way,
Broadland Business Park, Norwich,
NR7 0WG
T: 01603 706820
E: norwich@lucasfettes.co.uk
Lucas Fettes & Partners Limited are Independent Insurance Brokers authorised and regulated by the
Financial Conduct Authority.
Lucas Fettes & Partners (Financial Services) Limited are Independent Financial Advisers authorised
and regulated by the Financial Conduct Authority.
www.lucasfettes.co.uk