Driver Motivations and Fraudulent Claims

Charlotte Harrison-May is Head of Carrier and Market Relationships at Gallagher Bassett, leading strategic engagement with insurers, MGAs, brokers, and market partners across the UK and EMEA. Responsible for developing and strengthening key carrier relationships, Charlotte works closely with clients and internal stakeholders to deliver innovative claims solutions, drive sustainable growth, and support complex tender and business development opportunities.

With extensive experience in the insurance and claims sector, she has built a strong reputation for connecting market needs with operational excellence, fostering collaboration across claims, legal, engineering, and risk services. Passionate about developing talent and advancing the industry, Charlotte has also played a leading role in mentoring initiatives and market engagement programmes. She is recognised for her strategic leadership, relationship management expertise, and commitment to delivering exceptional outcomes for clients and partners alike.

Sandra joined Gallagher Bassett in 2021 and brings 20 years extensive fleet experience, working across the UK with commercial, local authority and blue light clients. With a specialism in driver psychology and behaviours, she has advised major companies on how to manage fleet collision risk, written fleet and driver policies and designed interventions to reduce specific areas of concern.

Best practise and data evidence help drive decision making as to how to manage risk, alongside the use of behavioural change techniques, providing an industry leading approach. Sandra holds a PhD in driver behaviour which focused around human factors in the blue light sector. Her research considered the impact that lights and sirens can have on the emergency driver’s acceptance of risk when engaging with third party vehicles.

Ravinder Johal is Partner and Head of Litigation at Strata Solicitors, where he leads the defence of complex, high-value claims on behalf of insurers, public sector organisations and self-insured businesses. Alongside managing teams and client programmes, he remains heavily involved in the defence of multi-million-pound disputes.

Ravinder advises on policy coverage, indemnity issues and post-incident investigations, and frequently leads mediations and settlement negotiations. Known for his client-focused approach, he combines technical expertise with a strong understanding of commercial realities to deliver practical and effective legal solutions.