In Brown-Quinn v Equity Syndicate Management, Burton J re-confirmed that an individual who benefits from Before the Event Insurance has the freedom to choose his own solicitor. He also went on to find that the insurer could not insist on the hourly rate that it would have paid its panel solicitor but at the same time the chosen solicitor cannot demand its own hourly rate. Rather, the hourly rate must be reasonable having regard to the complexities of the case as well as to the insurer’s standard panel rates.