Helen Tilley

Consultant London, United Kingdom


  • Qualified in England and Wales in 1992

Helen is a consultant in the London office, who qualified in 1992. Helen has broad insurance experience covering a range of insurance policy claims, including advising on policy avoidance and interpretation of policy conditions.  In particular, for over 25 years, she has advised the insurance industry on the full spectrum of individual and group life, protection, accident and health products and contingency insurance. 

She also has particular expertise in advising on fraud prevention and detection and is experienced in referring cases to the police for criminal investigation.

Helen acts for insurers, reinsurers, friendly societies and Lloyd’s syndicates in relation to policy and reinsurance treaty drafting and interpretation, compliance, regulatory and data protection issues, as well as claims arising from breaches. 

She advises insurers, medical providers and private investigators in relation to complaints made to the Information Commissioner’s Office (ICO) and compensation claims for alleged breaches of confidentiality and data security.  Helen also advises controllers and processors regarding Subject Access Requests in employer’s liability, public liability, travel, life, protection and Accident & Health (A&H) claims.

Helen has a particular interest in sports related life, protection and personal accident claims involving a range of sports including Formula 1, rugby, football, ice hockey, yachting and scuba diving.

Helen regularly advises on multi-policy critical illness and life assurance claims exceeding £1 million and involving qualifying misrepresentation at the application stage of medical history, hazardous activities and/or financial circumstances. In addition, she advises private medical insurers on interpretation and drafting of policy wording as well as advising on disputes with consultants on their lists.

She is the author of a number of market publications, and has acted as editor of the firm’s technical update on key issues regarding life, income protection, critical illness, personal accident and other disability insurance policies. Helen is also a member of the Insurance Fraud Investigators Group (IFIG), Forum of Insurance Lawyers and the Fraud Advisory Panel.  As a trained IFIG representative for Kennedys she is familiar with advising on processing in the context of preventing and detecting crime.


Work highlights

  • Advised on a suspicious claim valued at just under £1 million under a joint lives first to die policy that concluded when the joint policyholder was found guilty of murder in a criminal case prompted by our investigations.
  • Successfully defended the Cirencester Friendly Society in a landmark ruling in the High Court, which set aside Financial Ombudsman Service (FOS) awards on grounds of fraud. Cirencester Friendly v Parkin [2015].
  • Successfully defended a life assurance claim where there was no cogent evidence to corroborate policyholder's alleged death and a finding of attempted deception against insurers. Patel v Windsor Life [2008].
  • Acted for insurers in relation to issues involving the Contracts (Rights of Third Parties) Act 1999. Mulchrone v Swiss Life [2005].
  • Represented Defendant insurer in Court of Appeal on limitation plus estoppel issues involving personal accident policy claims. Seechurn v ACE Insurance SA-NV [2002].