About Us

About Us2024-07-01T12:32:34+00:00

SX3 Independent Claims Consultants

Built by practitioners to meet the needs of the Claims industry

SX3 offers a UK and Ireland wide associate network of 40+ senior claims consultants delivering claims expertise to Brokers, Insurers (on-going and legacy), MGAs, Service Providers, Trade Bodies, Legal and Regulatory functions.

SX3 was created in 2014 by claims professionals who have experience at the highest level in insurance claims management. They found that when it came to choosing consultants there was a stark choice between the specialist who did not have the breadth to respond to wider needs, and the large corporation that had the breadth but could lack the practitioner’s insight so could struggle to deliver significant value against their high fee.

No one wants to make compromised choices or think they are taking a risk when appointing consultants, so SX3 was created with:

  • a strong focus on delivering value
  • the expertise and understanding of practitioners
  • an infrastructure to deliver to scale when required

What makes us different?

Three things – our operating model, our expertise, and our value guarantee.

  1. Responsive operating model
    Our consultants are sourced from the SX3 Associates network. This dynamic UK and Ireland wide network of senior claims professionals are self-employed but contracted to SX3. This network is actively managed by SX3 for competence and professional standards to ensure we can deliver you scale and breadth on demand, whilst enabling costs to be tightly managed without loss of quality.
  2. Our expertise
    We have a range of technical and operational management specialists in a range of classes of business across general insurance and the London Market, with a deep understanding of the claims processes, technology, supply chain and compliance, to name just a few areas.
    Unlike many other management consultants, all our consultants are, or have held senior positions in claims operations. We have stood in your shoes and so have an understanding of the challenges which arise from managing operations in the claims industry.
  3. Value
    As insurance practitioners, we know the value but also appreciate the risks of using consultants.
    SX3 offer flexible and low-cost ways to help you establish or meet the business case for any work undertaken.  Our method of working is all about keeping you informed and in control throughout.
    At the end of the day, our solution to the value debate is simple – we guarantee not to consciously undertake work that doesn’t add value to you and if we have not delivered value, we will not expect to be paid for that work.

Key People

Adrian Gilbert – Managing Director

Adrian is a highly skilled and versatile insurance professional, with a successful track record in managing claims operations, strategy, customer relations, people, supply chain and technical. He has a wealth of experience across a number of lines of business, principally Motor, Property and Casualty, but also Product Protection and Legal Expenses.

Adrian has performed a of roles within claims including Claims Director, Head of Motor Claims, Head of UK Casualty Claims, Strategic Development Manager, Supply Chain Manager and Technical Claims Manager working for QBE, Ensign Motor Policies, Prudential, BGL Group, Coral Insurance and Endsleigh.

Richard Pilkington- Head of Audit Services SX3

Richard Pilkington – Head of Audit Services

Richard is a highly skilled and knowledgeable general insurance professional with significant leadership, technical, operational and management experience including claims supply chain, field force, counter fraud and rehabilitation. Product lines include: Casualty, Disease, Motor, Property, D&O, Cyber, Legal Expenses, PI, Product Recall.

Richard’s senior roles include Regional Services Manager, Technical Claims Manager, Head of Claims Supply Chain and Field Force, Managing Director, and  Senior Agent, working for NFU Mutual, AXA, G4S and ReeP Solutions.

Laura Philips – Head of Operations

Laura Phillips is the Head of Operations at SX3 Claims. She is a claims professional with over thirty years of experience across a wide range of claims businesses.

Most recently, Laura was Head of Governance at 1st Central Insurance and before that held a number of high-profile positions in companies such as Equity Insurance, Hastings Insurance and Xchanging, where she managed the outsourced Lloyds claims management service.

Laura’s focus is on delivering business benefits in claims operational management through innovation.

Amanda Nicoll – Director & Head of Consultancy

Amanda has spent the last 30 years in the general insurance sector in a career that is a unique blend of corporate and consulting experience. She has held senior-level operational roles at leading UK-based and global corporates, law firms, and start-ups.

Amanda has deep expertise in operations, transformation and claims within insurance and financial services. Her previously roles include Director of Operations, Transformation, Insight and Support at Direct Line Group as well as director positions at consultancies KPMG and EY and Interim Head of Claims for Flock, a fast growth Insurtech MGA.


Lorraine Bussey – Client Services Manager

Lorraine has 20 + years’ experience in claims, working for Motor, Property and Casualty insurers. A significant part of Lorraine’s prior experience has been to oversee and audit the performance of outsourced claim functions.


Lee Johnston – Program Manager

Lee is a highly experienced insurance professional with almost 40 years in the industry. He has worked as a Senior Project & Programme Manager, building and supporting claims operations and supply chains for companies such as Prudential, GRE/AXA, Hoopers Engineering, and the BGL Group. Lee has been SX3’s Programme Manager since September 2022.