---
title: "Middlesex First (MFL) Insurance"
ocid: "ocds-h6vhtk-0784b2"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-0784b2"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-0784b2.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-0784b2.json"
source: "Find A Tender Service"
current_stage: "Award"
buyer: "OPTIVO"
published: "2026-10-09"
---

# Middlesex First (MFL) Insurance

Buyer: OPTIVO  
Current stage: Award  
OCID: ocds-h6vhtk-0784b2

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## Summary

Southern Housing procured insurance services for Middlesex First (MFL), covering a specialist Public Finance Initiative (PFI) insurance programme. The requirement relates to insurance arrangements for the existing PFI portfolio and the associated contractual and operational obligations. The work is insurance provision, rather than construction or general housing services. Delivery is in London. The procurement was managed by Southern Housing, a public authority. This requirement is particularly relevant to insurance brokers and insurers with experience arranging and maintaining cover for PFI projects, where continuity of existing arrangements and specialist market knowledge are important.

The procurement is complete and Arthur J. Gallagher Insurance Brokers Limited was selected through a direct award. The award was made on 9 October 2026, with a gross value of £500,000, inclusive of Insurance Premium Tax and not VAT. The contract period runs from 21 October 2026 to 20 October 2029. Southern Housing justified the direct award on the basis that the incumbent was considered the only supplier able to provide the specialist PFI insurance arrangements while maintaining continuity of cover and market stability during a transitional period. The buyer considered a change of insurer would risk the continuity and effectiveness of the arrangements. The stated intention is to compete future insurance requirements in 2029.

For suppliers assessing similar work from Southern Housing, the award shows demand for specialist PFI insurance rather than a general insurance service. A credible competitor would need to demonstrate the technical expertise and market access to arrange insurance for an established PFI portfolio, together with the capacity to maintain effective cover and continuity while existing contractual and operational obligations remain in place. The buyer cited limited provider appetite and capacity in this specialist market, and identified continuity and market stability as material considerations. Brokers or insurers able to manage a transition without disrupting existing arrangements would therefore be well placed to compete when the requirement returns to the market. No specific accreditation or other qualification is identified.

## Notice

Provision of insurance for Middlesex First (MFL).

### Procurement Information

The proposed direct award relates to the provision of a specialist Public Finance Initiative (PFI) insurance programme. It is considered the incumbent provider is currently the only supplier capable of delivering the required specialist PFI insurance arrangements whilst maintaining continuity of cover and market stability during a transitional period. The PFI insurance market is highly specialised, with limited provider appetite and capacity. A change of insurer at this stage would introduce material risk to the continuity and effectiveness of insurance arrangements, potentially impacting the management of existing contractual and operational obligations associated with the PFI portfolio. Continuity of service is considered critical whilst the organisation undertakes a broader review and alignment of its insurance provision. The organisation's intention is to undertake a full competitive procurement exercise for its future insurance requirements in 2029. The value declared is inclusive of Insurance Premium Tax and not VAT.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/095641-2026 |
| Notice type | UK6 - Contract Award Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Direct |
| Procurement method details | Direct award |
| Tender suitability | Not specified |
| Awardee scale | Large |
| All stages | Award |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 9 Oct 2026 |
| Submission deadline | Not specified |
| Future notice date | Not specified |
| Award date | 9 Oct 2026 |
| Contract period | 21 Oct 2026 - 20 Oct 2029 |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | Not specified |
| Lots value | Not specified |
| Awards value | £500,000 |
| Contracts value | Not specified |

## Status

| Field | Value |
| --- | --- |
| Tender status | Complete |
| Lots status | Complete |
| Awards status | Pending |
| Contracts status | Not specified |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | OPTIVO |
| Locality | LONDON |
| Postcode area | Central London |
| Postcode | EC1M 5LA |
| Country | England |
| ITL 1 | TLI London |
| ITL 2 | TLI4 Inner London - East |
| ITL 3 | TLI43 Haringey and Islington |
| Local authority | Islington |
| Electoral ward | Clerkenwell |
| Westminster constituency | Islington South and Finsbury |
| Delivery location | Not specified |

## Supplier

| Field | Value |
| --- | --- |
| Number of suppliers | 1 |
| Supplier names | Arthur J. Gallagher Insurance Brokers Ltd |

## CPV Codes

### Divisions

- 66 - Financial and insurance services

### Codes

- 66510000 - Insurance services

## Release History

- 9 Oct 2026 at 12:36 - Award - UK6 - Contract Award Notice - https://www.find-tender.service.gov.uk/Notice/095641-2026
- 9 Oct 2026 at 12:26 - Award - UK5 - Transparency Notice - https://www.find-tender.service.gov.uk/Notice/095628-2026

## Documents

- https://www.find-tender.service.gov.uk/Notice/095641-2026
  9th October 2026 - Contract award notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/095628-2026
  9th October 2026 - Transparency notice on Find a Tender

## Notice URLs

- http://www.ajg.com/uk
- https://www.legislation.gov.uk/ukpga/2023/54/contents

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-h6vhtk-0784b2. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-0784b2.json.