Pollyanna Deane


I am a partner in Fox Williams' financial services team and a member of the Fox Williams insurance group.

Pollyanna is currently on medical leave. Please contact Chris Finney for insurance and non-contentious financial services enquiries.

Pollyanna specialises in advising insurance companies and unusually, advises both life and general insurers on the many aspects of their business. These include business transfers, attributions of inherited estates, M&A, reorganisations, demutualisations and joint ventures. She has been extensively involved in Solvency II projects for both capital management purposes and business preparation; with a particular interest in Solvency II’s impact on corporate governance and asset management. Her “Top 10 things every fund manager needs to know” is widely used in the market. A particular interest is the development of new products (including health trusts and financial reinsurance) for insurers, reinsurers and other financial institutions. Pollyanna is involved with InsurTech and advises a number of leading InsurTech start-ups on their regulatory position and more generally.

Pollyanna has advised corporates on the regulatory position of their insurance and risk management programmes, governments on the establishment and running of captives and protected cell companies and both UK and overseas regulators on their handbooks and new regulations. She has considerable experience in working with discretionary mutuals, warranty providers and insurance intermediaries covering all regulatory aspects of their business as well as their distribution and marketing arrangements both domestic and on a cross border basis.

Pollyanna is the editor of Butterworths Financial Regulation Service and writes regularly for PLC Financial Services.

To contact Pollyanna or for more information…

Call: +44 (0)20 7614 2671
Email: pdeane@foxwilliams.com
Mobile: +44 (0)7738 252 400

My legal expertise

  • Advice on prudential regulation, including the tiering and categorisation of regulatory capital items, and whether particular reinsurance contracts qualify as risk mitigation techniques for regulatory capital purposes
  • Appointing (and terminating the appointment of) Appointed Representatives / multi-principal agreements
  • Coverage, and coverage disputes
  • Insurance and reinsurance policy wordings, IPIDs and related documents
  • Insurance business transfers (Part VII Transfers), schemes of arrangement, attributions and reattributions of inherited estates, and other reorganisations
  • M&A (Part XII acquisition of control)
  • New product development
  • Regulation of general insurers, life assurers, mutuals, brokers and InsurTechs (Solvency II and the IDD)
  • Terms of business, binder and distribution agreements
  • The Senior Managers & Certification Regime (SMCR)


  • Advised two of the five winners of the top five UK InsurTechs 2020 (as referred to in a report issued by SØNR in association with Insurance Post), including Cuvva and Laka.



To contact Pollyanna or for more information…

Call: +44 (0)20 7614 2671
Email: pdeane@foxwilliams.com
Mobile: +44 (0)7738 252 400


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