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About Us

At Security Bonds Limited we are dedicated to providing financial protection in the form of Security Bonds.

We set up Security Bonds Limited (SBL) with the mission to ensure that everyone has the opportunity to have financial protection when someone is legally appointed to look after their financial affairs. 

For over 40 years security Bonds have been used to successfully protect clients under a Deputyship.  Bonds of this nature have proved invaluable with millions of pounds paid out by Insurers in Claims.  However there has been no equivalent for clients under an Appointeeship or Power of Attorney UNTIL NOW.

We are proud to say that after years of extensive research and development we have developed two groundbreaking Bonds, one which protects Claimants under an Appointeeship and one which protects Donor/Granters under a Power of Attorney.

There have been many challenges but we think the Bonds offer value for money whilst also ensuring sustainability so the Bonds can be claimed upon without barriers for years to come.

Meet The Team

Having worked previously for some of the largest insurance Brokers in the world, the team has over 50 years’ experience in the Security Bond market and bring knowledge and expertise to this niche area.

Lynne Coombes -  Previous to working in the bond schemes Lynne was a Loss Adjuster and VIP Account Handler.  Having worked in the bond schemes for over 15 years, Lynne has managed the bond teams, worked to bring a Guardian Bond to Scotland and helped deliver improvements to the bond process.  She also managed the relationships with Northern Ireland.  She pioneered the launch of the new bonds after setting up SBL with Paul Holton-Frances and they continue to look at ways to help Deputies, Appointees and Attorneys and those they look after.  She manages the relationships with Professionals, attends seminars and gives presentations to explain more about the bonds.  She also manages the relationships with the Court of Protection and Office of the Public Guardian and Office of the Public Guardian (Scotland).  She is proud to be a member of Pragmatic Practitioners and a volunteer and ambassador with Transparency Taskforce working with like-minded professionals towards fairer finance.

Paul Holton-Frances - Working in the bond schemes for nearly 20 years, Paul assisted Lynne to launch the Guardian Bond in Scotland, amended systems and worked with Lynne and the Court of Protection to pioneer improvements to the process of issuing bonds directly from the Court along with other improvements. He also managed the bonds for Northern Ireland.   After setting up SBL with Lynne he has managed the systems behind the scenes after designing the processes for applications and records keeping and provides business plans, forcasts and MI for the company.   He has designed Management Reports that allows the company to track bonds and claims.  He manages the systems and is responsible for the bulk multiple applications for Corporate Appointees, Attorneys and Deputies.  Setting up DDs where applicable and sending out confirmation documentation, he handles the applications when the bonds need to be processed.  Everything behind the scenes is managed by Paul.

Dave West - bringing the total experience of the team to over 50 years, Dave has worked in the bond schemes since the 1980's when the bonds were formed.  He pioneered changes such as the bond provider keeping the bond forms to ease claims and credit checks for Lays being carried out by the administrators.  He provided high level relationships with the Public Guardians in England & Wales and the Master of the Office of Care & Protection in Northern Ireland.    Moving to compliance some 15 years ago, he now advises on compliance for the company that forms the foundations of the firm and provides important oversight on everything compliance and FCA related.

The team are now working on an easy application Household Scheme and the addition of probate bonds and policies.  They are also working on providing an information hub that will assist those working in the areas of care and protection and will have a "Featured Organisations" tab for firms they work with.

They are passionate about security bonds completing the circle of care in a cost effective way that enables the bonds to be available to all.


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t. (0800) 772 0886

Security Bonds Limited, Tower House, Parkstone Road, Poole, Dorset BH15 2JH

Security Bonds Limited is Registered in England No. 11616784 is authorised and regulated by the Financial Conduct Authority under Firm Reference No. 843895