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 45+ 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.
- 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. - 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. - 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
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.
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.
Matthew Teague – Client Services Manager
Matthew has over 25 years of experience in claims operations, client account management, and auditing. He has held senior roles in firms such as DAC Beachcroft and Plexus Law, where he managed client accounts, oversaw complex audits, and drove operational improvements.
Nathan Mayling – AuditManager
Nathan has a strong track record in audit delivery, performance improvement, and operational leadership across the general insurance sector. With experience spanning technical claims handling, quality assurance, and large-scale audit programmes, he has held senior roles at firms including RSA, Sedgwick, and the MIB. His expertise covers motor, home, and complex products, with a focus on driving efficiency, insight, and service excellence.
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.