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RT2D: Premium Finance, Compliance Risk, and the Johnson Ruling – What actions should Brokers be taking?

Interactive Focus Group

2025-10-08 | 02:50 PM - 03:35 PM

Information

The recent Supreme Court ruling in Johnson v FirstRand Bank Limited has raised serious questions around the fairness of borrower-lender relationships, with direct implications for how brokers offer premium finance. Alongside this, the FCA’s study of the premium finance market has sharpened its focus on fair value, commission structures, and borrower understanding under Consumer Duty.

BIBA has already urged brokers to review their approach, warning that action is needed now to manage risk and stay compliant.

This roundtable, led by Investec, gives senior brokers the space to discuss how their firms are navigating these pressures in real time.

  • Commission disclosure and transparency
  • Commission levels and proportionality
  • Assessing borrower sophistication and vulnerability
  • Managing conflicts of interest
  • Working with a single lender vs. a lender panel
  • Disclosure and record-keeping obligations
  • What support brokers need from finance providers

Speakers

Investec

Osian Rees

Investec

Head of Premium Finance

Investec

Christian Elson

Investec

National Networks Manager