Society's News


BLS features in Bristol Post oldest thriving companies in Bristol

Excerpt from the article: How Bristol’s oldest companies are still thriving after more than 100 years in business They include the city’s last-surviving chocolate maker a wine merchant and a tannery. Why do some companies struggle to survive beyond a year while others flourish for hundreds? Although more than 90 per cent of small companies in Britain will survive one … more


The President’s Charity of the Year 2017/18

                      Please see Freewheelers Leaflet 2017 for the fabulous work these volunteer riders undertake to assist the NHS in moving vital supplies and equipment  around the county. Who knows which one of us or someone we know may have already benefited from their amazing work?


BLS Member discount offer on GCHQ certified Social Engineering Course – 8 August

Red Goat Cyber Security are offering Bristol Law Society members a 15% discount on their upcoming GCHQ certified Social Engineering course at Imperial College on the 8th of August. This interactive half-day cyber security course helps you identify and prevent social engineering attacks such as phishing and impersonation by placing you in the position of the hackers to enable you … more


Executor & Inheritance Insurance and Court Orders


An Article by Kate Thorp

Executor & Inheritance insurance provided by DUAL Asset can be useful in a myriad of ways. Insurance policies can play a major part aiding a solicitor to obtain the right judgement at court for their client. The costs involved in going to court and applying for a court order, can be significant and can sometimes take many years.

An insurance policy can be used to strengthen a claimant’s hand and avoid wasted costs. An example could be a property which is held as joint tenants by Mr T (the deceased) and his former partner Ms M. Research shows they were never married and Ms M left the UK decades ago. Genealogists can find no current records relating to Ms M. The executors now want to apply to the court to transfer the property into the sole name of Mr T. The executors can then sell the property and distribute the sale proceeds to the beneficiaries of Mr T’s estate. The executors believe that the judge would look more favourable on their application if they are seen to be protecting the interests of Ms M; that they are not simply applying to “disinherit” Ms M from her half share of the property. The court can then make their judgement subject to the insurance policy being taken out and if in the future Ms M appears, she can claim against the insurance policy for her half share of the sale proceeds.

Another example is applying for a Presumption of Death Order at court. A missing beneficiary policy can be part of that application to the court. In the unlikely event the missing person, who is the subject of the Order, is actually alive, the missing beneficiary policy will protect the executors and beneficiaries of the estate against claims from this person, seeking to regain their assets. In Scotland, insurance is nearly always required by the courts, under the Presumption of Death (Scotland) Act 1977 Section 6, against the risk of a person having an interest in the deceased’s estate and seeking to have the decree varied or recalled. Again, the insurance is seen as protecting the interests of the subject.

If you have a case you wish to discuss where insurance may assist your application to the court, please contact Kate Thorp, Manager – Executor & Inheritance Protection, DUAL Asset Underwriting – (0)20 7337 8775 – kthorp@dualgroup.com