About Us 

Business liability insurance for financial institutions


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Absolute Cover is not like other insurance brokers. We’re specialists in sourcing high-quality liability insurance for FCA-regulated firms.

Insurers often see financial services firms as high-risk and want to charge high premiums to match - assuming they’ll quote at all. But why should you pay a penalty for claims made against less competent businesses in your sector?

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With clients right across the financial services sector, we understand how businesses like yours operate and why you stand out from firms with less effective risk management. We take the time to get to know the true risks your business faces and present these to underwriters in the best possible light. That way, you pay the price that’s right for you.

We can do this because we’re part of the Thistle Group, an award-winning compliance service provider, offering a wide range of services to firms in the financial services sector. We leverage the unique insight that comes with our extensive sector knowledge and experience to get you the best possible policy that we offer.

View our brochure for more information

Meet the team


James Dingwall


James set up our parent company Thistle Group in 2012 and has since grown it into a thriving business comprising five companies and employing more than a hundred people. Previously, he spent ten years with two of the Big Four accountancy firms and has in-depth expertise spanning all sectors of financial services.


Sophie Long


Sophie is an experienced and capable senior manager and director, overseeing Absolute Cover’s operations and providing strategic guidance. Before joining the Thistle Group in 2014, she spent eight years with leading recruitment businesses specialising in the investment banking sector.


Michael Bellinger

Chief Financial Officer

Michael joined the Thistle Group in 2013, having been a partner at a multi-discipline accountancy firm where he specialised in accounting and audit work for financial services firms. As CFO, he is responsible for all financial aspects of Absolute Cover’s operations.


Gavin Knoesen

Managing Director

Gavin is an experienced business manager and leader, and holds an MBA from CASS Business School, specialising in Digital Innovation, Finance and Strategy. He joined in 2020, having previously held senior roles across a range of industry sectors.


Joshua Upil

Head of Product & Distribution

Joshua is a true business insurance specialist and plays a pivotal role in the day-to-day operations of Absolute Cover. A former Hiscox underwriter, he has also worked previously with Tokio Marine Kiln and holds a BSc in Accounting and Finance.


Great cover, at a great price

Our products



the thistle group

Absolute Cover is part of the Thistle Group, an award-winning compliance service provider, offering a wide range of services to firms in the financial services sector. We understand the risk exposures you face, and we’re ideally placed to connect you to tailor-made insurance solutions that meet the real needs of your business.

With our unique financial services sector insight, we can make a huge difference to your premium spend - and your peace of mind.

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