SITPStructural Intelligence
Markets · United Kingdom

UK insurance, each market read apart.

Market share means little across markets that do not compete. Each is read on its own terms.

From the platform

How strongly capitalised the market is

Each dot is one business’s latest solvency ratio. 100 per cent is the regulatory minimum.

100%150%200%250%300%350%400%Regulatory minimumMedian 180%100%200%300%400%Regulatory minimumMedian 180%
11 insurers with a published solvency ratio; values above 400% shown at the edge Aggregates only. No business is named. Read from the platform, refreshed daily.
From the platform

Where the market’s combined ratios sit

Each dot is one business’s latest filed combined ratio. Below 100 per cent is an underwriting profit.

50%60%70%80%90%100%110%120%Break-evenMedian 94.7%60%80%100%120%Break-evenMedian 94.7%
10 insurers with a filed ratio for 2024 or 2025 Aggregates only. No business is named. Read from the platform, refreshed daily.
The market

Three markets, not one.

Domestic general insurance

Motor, home and commercial lines.

Life and pensions

A cohort of its own.

Lloyd’s and the London Market

International specialty risk.

What we bring

Every UK insurer

Resolved into its group and scored against its contemporaries.

Regulatory change

Readiness for the regulator’s next move.

Vendors and operations

Platforms and outsourcing each depends on.

99.8%Verdicts correct or partial
1,078Cases validated, 187 industries
19 of 19Robustness tests passed
WeeklyEvery reading rerun
Questions
How is UK insurance market share measured?

By gross written premium, line by line, with general insurance, life and pensions and the London Market read separately.

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