Voted by UK brokers Sponsored by Miles Smith.

MSL is delighted to have won this award for the second year in succession and would like to thank our brokers and intermediaries for their continued support.

Winning the Insurance Times Legal Expenses Provider of the Year 2004 award is a fantastic acknowledgement that the products and services offered by MSL are in tune with market needs.

However, there no room for complacency and we will continue to develop our products and services in accord with the feedback we receive from the market.

Brokers and intermediaries faced a challenging year in 2004, with the time-consuming task of preparing our businesses for FSA regulation.

MSL, however, are no strangers to FSA regulation, with Magnus Insurance (authorised since 1995) as part of our Group of companies.

The FSA Principles and rules place great emphasis on the role of senior management and their responsibility to treat customers fairly and provide them with correct product 'information and explanation'.

It's important that brokers and intermediaries work with an established insurance provider whose track record shows integrity and a service they can rely on.

Highly commended

Allianz Cornhill Legal Protection (ACLP)

We are extremely delighted to have been nominated for the Insurance Times Legal Expenses Provider of the Year 2004 award.

ACLP is a market leader in the provision of legal protection insurance, offering a range of personal and commercial products through intermediaries as well as specialist schemes for solicitors and affinity groups.

This is an important award for ACLP as it is our customers who actually get to nominate the companies shortlisted in this category. They are best placed to comment on the quality of our service and the range of products we have. We would like to thank everyone who voted for us.

In the coming year, we will continue to work closely with our business partners. We plan to conduct further research to identify precisely what you and your customers want and will strive to deliver new and enhanced products, responding to the constant changes in our market.

Angel Assistance

We are delighted to have been highly commended in the Legal Expenses Provider of the Year category, hot on the heels of winning ULR Provider of the Year in the December 2002 Insurance Times awards.

Angel Assistance, part of Helphire Group plc, provides a range of annual legal expenses policies to the broker market including a unique portfolio of motor accident policies, which not only provide comprehensive LEI cover, but also offer the practical assistance of a replacement vehicle and funded repairs after a non-fault accident.

Cornerstone to Angel's commitment is customer service, focusing on providing speedy and efficient claims handling by dedicated, caring staff to brokers and their clients during what can be a traumatic time.

With a policyholder base in excess of 500,000, Angel is delighted to boast satisfaction levels of more than 91% for claims handling and 99% for its replacement vehicle service.