General Insurance value measures data – comparison 2016/17

We have published general insurance value measures data for 36 insurers (including both UK and EEA firms) for the year ending 31 August 2017.

This follows the first GI value measures data publication in January 2017. This covered data for the year ended 31 August 2016. 

The pilot data covers claims frequencies, claims acceptance rates and average claim pay-outs. The products covered are home (buildings and contents) insurance, home emergency, personal accident and key cover. The data provide users with a broader range of information to assess firms and product value. The GI add-ons market study found that consumers do not have commonly available indicators of value, and some products were poor value.

Read more about our General Insurance value measures pilot.

Interpreting the data

The data will provide consumer groups, consumers and market commentators with additional value indicators for the insurers we regulate. We do not expect the data to inform customers’ purchasing decisions, as consumers are unlikely to review and assess the published data. Consumers buying insurance may use the value measures data, but they should also consider factors like prices, product benefits, breadth of cover, excess levels, complaints volumes, average claims settlement periods and product assessment websites.

There may be further information on the data for individual firms on their websites.

Show the 2016 data

Show the 2017 data

When using these value measures data, you should also be aware of the following data limitations:

  • The data are aggregated
    The value measures data reflect the aggregated data for the individual firms and products. The data will reflect the mix of business undertaken by that firm and may not reflect individual distributor or brand arrangements. It may also not represent individual insurance products purchased by different consumers from the same insurer.
  • The data reflect past performance
    The published data relate to the year ending 31 August 2017. The data may vary in subsequent years. This variation may be caused by a variety of factors.  For instance poor weather conditions such as floods or storms can increase both the frequency of claims and claim pay-outs.
  • Actual claim pay-outs can vary significantly from the average
    The average claim pay-outs include payments to policy beneficiaries and other relevant costs incurred by insurers to resolve claims. For example, services provided when dealing with home emergency. These costs will typically be lower than those of an independent tradesperson appointed by a customer in an emergency situation.
  • Average claims pay-out and claims frequency will be influenced by a variety of factors such as the level and type of cover
    Some insurers may predominately sell specialist or high-end products. In this case the sum insured may be considerably higher, resulting in higher claims costs.
  • There may be differences in the way that firms interpreted the guidance which could make it difficult to compare data between firms
    You can read the information request (PDF) and guidance we gave to firms. The published data excludes rejected claims below the policy excess and rejected claims for fraud walkaways.
  • We made limited changes and clarifications to the information request and guidance provided to firms from the 2016 data request
    This will reduce comparability of data between this dataset and the previous dataset published on 25 January 2017.  For example the definition of an add-on was broadened. We also clarified that enquiries should be excluded from the data, and that the home data should exclude contents only and buildings only policies. Read the information request (PDF)

We also collected information from the pilot firms about the reasons claims are rejected. Some of the common reasons that firms identified included:

  • claims being outside the policy cover due to exclusions in the agreed policy
  • not having cover for the claim
  • claim not covered because it relates to general wear and tear
  • claims not classed as an emergency (for home emergency)
  • claim conditions not met (for example the correct process not followed or supporting documents not provided)
  • claims outside of claim period, or before cover is in place (eg key cover)

Home (combined buildings and contents)

Contracts of insurance against loss or damage to both the structure and contents of domestic properties including cover against risks to the persons insured incurring liabilities to third parties arising out of injuries happening at home. For the purposes of the pilot, this excludes contents-only and buildings-only policies.

Key:

* - data for this firm primarily relates to specialist or high worth business

FirmClaims Frequency 2016Claims Frequency 2017Claims Acceptance Rate 2016Claims Acceptance Rate 2017Average Claim Pay-out 2016Average Claim Pay-out 2017
Admiral Insurance (Gibraltar) Limited 2.5% to 4.9% 2.5% to 4.9% 87.5% to 89.9% 90% to 92.4% £2,500 to £2,999 £2,500 to £2,999
Ageas Insurance Limited 2.5% to 4.9% 5% to 7.4% 87.5% to 89.9% 87.5% to 89.9% £2,000 to £2,499 £3,000 to £3,499
Allianz Insurance plc 5% to 7.4% 5% to 7.4% 87.5% to 89.9% 90% to 92.4% £2,500 to £2,999 £3,500 to £3,999
AmTrust 2.5% to 4.9% 87.5% to 89.9% £1,500 to £1,999
Aviva Insurance Limited 2.5% to 4.9% 2.5% to 4.9% 90% to 92.4% 95% to 97.4% £3,000 to £3,499 £4,000 to £4,499
AXA Insurance UK Plc 5% to 7.4% 2.5% to 4.9% 80% to 84.9% 90% to 92.4% £2,500 to £2,999 £3,500 to £3,999
Axis Capital/ Novae Syndicates Limited Below 2.5% 2.5% to 4.9% 92.5% to 94.9% 85% to 87.4% £4,000 to £4,999 £1,000 to £1,499
Canopius Managing Agents Limited 7.5% to 9.9% 2.5% to 4.9% 85% to 87.4% 87.5% to 89.9% £2,500 to £2,999 £3,000 to £3,499
Chubb European Group Limited * 20% to 25% 17.5% to 19.9% 97.5 to 100% 97.5 to 100% £10,000 to £14,999 £17,500 to £17,999
CIS General Insurance Limited 2.5% to 4.9% 5% to 7.4% 80% to 84.9% 90% to 92.4% £2,000 to £2,499 £2,500 to £2,999
Cornish Mutual Assurance Company Limited 7.5% to 9.9% 7.5% to 9.9% 95% to 97.5% 95% to 97.4% £1,000 to £1,499 £2,500 to £2,999
Covea Insurance plc 2.5% to 4.9% 2.5% to 4.9% 85% to 87.4% 90% to 92.4% £3,000 to £3,499 £3,500 to £3,999
UK Insurance Ltd (UKI) 5% to 7.4% 5% to 7.4% 95% to 97.5% 95% to 97.4% £2,000 to £2,499 £2,500 to £2,999
Ecclesiastical Insurance Office Plc 7.5% to 9.9% 7.5% to 9.9% 92.5% to 94.9% 90% to 92.4% £3,000 to £3,499 £6,000 to £6,499
esure Insurance Limited 2.5% to 4.9% 2.5% to 4.9% 87.5% to 89.9% 92.5% to 94.9% £1,000 to £1,499 £3,000 to £3,499
Great Lakes Insurance SE 7.5% to 9.9% 85% to 87.4% £2,000 to £2,499
Gresham Insurance Company Limited 2.5% to 4.9% 5% to 7.4% 92.5% to 94.9% 92.5% to 94.9% £3,000 to £3,499 £3,500 to £3,999
Hiscox Insurance Company Limited * 5% to 7.4% 5% to 7.4% 97.5 to 100% 97.5 to 100% £10,000 to £14,999 £8,000 to £8,499
Hiscox Syndicates Limited * 5% to 7.4% 10% to 12.4% 97.5 to 100% 97.5 to 100% £70,000 to £75,000 £5,000 to £5,999
Legal and General Insurance Limited 5% to 7.4% 2.5% to 4.9% 85% to 87.4% 85% to 87.4% £1,000 to £1,499 £2,000 to £2,499
Liberty Insurance Limited 5% to 7.4% 5% to 7.4% 97.5 to 100% 97.5 to 100% £2,000 to £2,499 £3,500 to £3,999
Liverpool Victoria Insurance Company Limited 5% to 7.4% 5% to 7.4% 80% to 84.9% 92.5% to 94.9% £3,000 to £3,499 £4,000 to £4,499
Lloyds Bank General Insurance Limited 2.5% to 4.9% 5% to 7.4% 90% to 92.4% 92.5% to 94.9% £3,500 to £3,999 £3,000 to £3,499
Methodist Insurance Plc 10% to 12.4% 87.5% to 89.9% £2,000 to £2,499
MS Amlin Underwriting Limited 2.5% to 4.9% 5% to 7.4% 90% to 92.4% 90% to 92.4% £4,000 to £4,999 £3,000 to £3,499
Royal & Sun Alliance Insurance Plc 5% to 7.4% 2.5% to 4.9% 97.5 to 100% 97.5 to 100% £1,000 to £1,499 £1,000 to £1,499
Acromas Insurance Company Ltd 0% to 2.4% 97.5 to 100% £2,000 to £2,499
St Andrew's Insurance Plc 2.5% to 4.9% 2.5% to 4.9% 87.5% to 89.9% 92.5% to 94.9% £5,000 to £5,999 £6,500 to £6,999
Tesco Underwriting Limited 5% to 7.4% 2.5% to 4.9% 90% to 92.4% 90% to 92.4% £1,000 to £1,499 £1,500 to £1,999
The National Farmers' Union Mutual Insurance Society Limited 7.5% to 9.9% 5% to 7.4% 95% to 97.5% 95% to 97.4% £5,000 to £5,999 £6,500 to £6,999
The Salvation Army General Insurance Corporation Ltd 5% to 7.4% 5% to 7.4% 95% to 97.5% 97.5 to 100% £3,500 to £3,999 £2,000 to £2,499
UIA (Insurance) Limited 5% to 7.4% 75% to 79.9% £1,500 to £1,999
XL Catlin Services SE 2.5% to 4.9% 92.5% to 94.9% £1,500 to £1,999
Zenith Insurance plc 5% to 7.4% 5% to 7.4% 75% to 79.9% 87.5% to 89.9% £2,500 to £2,999 £3,500 to £3,999
Zurich Insurance PLC 2.5% to 4.9% 2.5% to 4.9% 90% to 92.4% 95% to 97.4% £2,000 to £2,499 £3,500 to £3,999
Qmetric Group Limited 2.5% to 4.9% 85% to 87.4% £2,500 to £2,999

Home emergency

Contracts of insurance for household assistance. Contracts of insurance with an element of service fall within this category, if they relate to household assistance in class 18 of schedule 1 to the Regulated Activities Order 2001.

Key:

+ – pilot data for this firm reflects the cost of the home emergency and excludes the cost of the regular boiler service which will typically be part of the product for some or all customers.

++ – average claims pay-out for this firm's home emergency add-on product includes claims costs which could include home buildings, home contents as well as home emergency.

FirmSales channelClaims Frequency 2016Claims Frequency 2017Claims Acceptance Rate 2016Claims Acceptance Rate 2017Average Claim Pay-out 2016Average Claim Pay-out 2017
Acromas Insurance Company Ltd Add-on 5% to 7.4% 92.5% to 94.9% £150 to £159.99
Admiral Insurance (Gibraltar) Limited Add-on 2.5% to 4.9% 5% to 7.4% 90% to 94.9% 95% to 97.4% £120 to £139.9£180 to £189.99
Ageas Insurance Limited Add-on 2.5% to 4.9% 2.5% to 4.9% 90% to 94.9% 90% to 92.4% £120 to £139.9 £170 to £179.99
Amtrust Europe Limited Add-on 2.5% to 4.9% 2.5% to 4.9% 70% to 74.9% 95% to 97.4% £220 to £239.9 £240 to £249.99
Aviva Insurance Limited Add-on 7.5% to 9.9% 12.5% to 14.9% 90% to 94.9% 95% to 97.4% £120 to £139.9 £130 to £139.99
Brit Syndicates Limited Add-on 5% to 7.4% 5% to 7.4% 80% to 84.9% 95% to 97.4% £240 to £259.9 £230 to £239.99
DAS Legal Expenses Insurance Company Limited Add-on 2.5% to 4.9% 2.5% to 4.9% 90% to 94.9% 92.5% to 94.9% £180 to £199.9 £200 to £209.99
UK Insurance Ltd (UKI) Add-on 7.5% to 9.9% 12.5% to 14.9% 97.5% to 100% 97.5% to 100% £140 to £159.9 £170 to £179.99
Great Lakes Insurance SE Add-on Below 2.5% 7.5% to 9.9% Unavailable 77.5% to 79.9% £140 to £159.9 £120 to £129.99
Liverpool Victoria Insurance Company Limited Add-on 5% to 7.4% 7.5% to 9.9% 90% to 94.9% 90% to 92.4% £200 to £219.9 £200 to £209.99
Royal & Sun Alliance Insurance Plc ++ Add-on 7.5% to 9.9% 97.5% to 100% £1,090 to £1,099.9
UK Insurance Ltd (UKI) Stand alone 7.5% to 9.9% 17.5% to 19.9% 97.5% to 100% 97.5% to 100% £120 to £139.9 £120 to £129.99
Amtrust Europe Limited Standalone 12.5% to 14.9% 15% to 17.4% 75% to 79.9% 97.5% to 100% £220 to £239.9 £140 to £149.99
Acromas Insurance Company Ltd Stand-alone 5% to 7.4% 90% to 92.4% £140 to £149.99
Aviva Insurance Limited + Stand-alone 25% to 29.9% 35% to 37.4% 95% to 100% 97.5% to 100% £80 to £99.9 £90 to £99.99
British Gas Insurance Limited + Stand-alone 80% to 89.9% 87.5% to 89.9% 95% to 100% 95% to 97.4% £100 to £119.9 £100 to £109.99
DAS Legal Expenses Insurance Company Limited + Stand-alone 25% to 29.9% 25% to 27.4% 95% to 100% 95% to 97.4% £110 to £119.9 £120 to £129.99
Great Lakes Insurance SE Stand-alone 35% to 39.9% 32.5% to 34.9% 90% to 94.9% 85% to 87.4% £200 to £219.9 £150 to £159.99
Royal & Sun Alliance Insurance Plc Stand-alone 5% to 7.4% 5% to 7.4% 95% to 100% 97.5% to 100% £200 to £219.9 £250 to £259.9

Personal accident sold as an add-on to motor or home insurance

Contracts of insurance sold as an add-on which fall within classes 1 or 2 of Schedule 1 to the Regulated Activities Order 2001, but are not medical expenses insurance, healthcare cash plans, travel insurance or creditor insurance.

Key:

++ – personal accident data for this firm relates to a motor extended personal accident product.

FirmClaims Frequency 2016Claims Frequency 2017Claims Acceptance Rate 2016Claims Acceptance Rate 2017Average Claim Pay-out 2016Average Claim Pay-out 2017
Admiral Insurance (Gibraltar) Limited Between 1 in 100 policies and 1 in 250 policies Between 1 in 100 policies and 1 in 250 policies 90% to 100% 95% to 100%£500 to £999£500 to £999
Ageas Insurance Limited Between 1 in 500 policies and 1 in 1,000 policies Between 1 in 100 policies and 1 in 250 policies 80% to 89.9% 85% to 89.9%£3,000 to £4,000£2,000 to £2,499
Amtrust Europe LimitedBetween 1 in 100,000 policies and 1 in 150,000 policies0% to 4.9%N/A
Aviva Insurance Limited Between 1 in 50,000 policies and 1 in 100,000 policies Between 1 in 50,000 policies and 1 in 100,000 policies 90% to 100% 95% to 100%£40,000 to £45,000£50,000 to £50,499
Canopius Managing Agents Limited Between 1 in 25,000 policies and 1 in 49,999 policies Between 1 in 50,000 policies and 1 in 100,000 policies 90% to 100% 95% to 100%£15,000 to £19,999£20,000 to £20,499
esure Insurance Limited Between 1 in 25,000 policies and 1 in 49,999 policies Between 1 in 25,000 policies and 1 in 49,999 policies 60% to 69.9% 80% to 84.9%£50,000 to £55,000£31,000 to £31,499
Great Lakes Insurance SEBetween 1 in 500 policies and 1 in 1,000 policies95% to 100%£500 to £999
Liverpool Victoria Insurance Company Limited ++ Between 0 and 1 in 100,000 policies Between 1 in 25,000 policies and 1 in 49,999 policies N/A 95% to 100%N/A£100,000 - £100,499
Zenith Insurance plc Between 1 in 250 policies and 1 in 500 policies Between 1 in 500 policies and 1 in 1,000 policies 90% to 100% 90% to 94.9%£1,000 to £1,999£1,000 to £1,499
Acromas Insurance Company LtdBetween 1 in 2,500 policies and 1 in 4,999 policies95% to 100%£9,000 to £9,499
Tesco Underwriting Limited Between 1 in 2,500 policies and 1 in 4,999 policies Between 1 in 10,000 policies and 1 in 15,000 policies 90% to 100% 95% to 100%£30,000 to £35,000£17,000 to £17,499

Key cover sold as an add-on to motor insurance

Contracts of insurance sold as an add-on to motor insurance for lost, stolen and/or broken keys.

FirmSales channelClaims Frequency 2016Claims Frequency 2017Claims Acceptance Rate 2016Claims Acceptance Rate 2017Average Claim Pay-out 2016Average Claim Pay-out 2017
Admiral Insurance (Gibraltar) LimitedAdd-on 4.0% to 4.99% 1.0% to 1.99% 85% to 89.9% 85% to 89.9% £200 to £249 £250 to £299
Ageas Insurance LimitedAdd-on 0.5% to 1.00% 1.0% to 1.99% 75% to 79.9% 85% to 89.9% £200 to £249 £150 to £199
Amtrust Europe LimitedAdd-on 4.0% to 4.99% 2.0% to 2.99% 70% to 74.9% 95% to 100% £150 to £199 £150 to £199
esure Insurance LimitedAdd-on 0.5% to 1.00% 0.0% to 0.99% 90% to 94.9% 75% to 79.9% £350 to £399 £400 to £449
Great Lakes Insurance SEAdd-on3.0% to 3.99% 80% to 84.9% £150 to £199

Firms and distributors/brands

For each pilot product the insurers underwrite, the table below sets out the largest 5 distributor/brand arrangements for that insurer.

The data provided are the aggregated performance for each Insurer and the products that it underwrites, which can include a range of branded products. Where applicable, the top 5 branded products for each insurer have been listed, although please note that performance information by brand is not provided.  This means that the aggregated insurer performance is not necessarily indicative/representative of the performance of the individual branded products.

ProductSales ChannelFirmLargest 5 distributors/brands arrangements
HomeStandaloneAdmiral Insurance (Gibraltar) LimitedEUI Ltd
HomeStandaloneAgeas Insurance LimitedRIAS, Age UK, Connells, Pen Affinity, Gallagher EUW
HomeStandaloneAllianz Insurance plcHome & Legacy, Swinton, Cornhill Direct, Sainsburys, Endsleigh
HomeStandaloneAmtrust Europe Limited
HomeStandaloneAviva Insurance LimitedAviva, HSBC, TSB, AON, Santander
HomeStandaloneAXA Insurance UK PlcAXA Direct, AXA Insurance, Marks & Spencer, Avantia, Countrywide
HomeStandaloneAxis Capital/ Novae Syndicates LimitedRyan Direct Group Uinsure, Inet 3- Magneta, Schofields Ltd, Vasek Insurance Services
HomeStandaloneCanopius Managing Agents LimitedBluefin Insurance Services Ltd, Horizon (UW) Ltd, KGM Underwriting Services Ltd, Towergate Underwriting Group Ltd, Plum Underwriting Ltd
HomeStandaloneXL Catlin Services SEThistle Insurance t/as Compass, Tansar Holdings Ltd, RGA Underwriting Ltd, Coast Underwriting Ltd, Thistle Insurance t/as Compass, Tansar Holdings Ltd, RGA Underwriting Ltd, Coast Underwriting Ltd,
HomeStandaloneChubb European Group LimitedStackhouse Poland, Marsh, Lark Group, A J Gallagher, Bluefin
HomeStandaloneCIS General Insurance LimitedDirect, Saga, AA, Money Supermarket, Post Office
HomeStandaloneCornish Mutual Assurance Company Limited
HomeStandaloneCovea Insurance plcSwinton, BGL, AA, John Lewis, Saga Services Ltd
HomeStandaloneUK Insurance Ltd (UKI)Direct Line, Churchill, Privilege, NatWest, Nationwide
HomeStandaloneEcclesiastical Insurance Office PlcBruford & Vallance Insurance Services Ltd, PG Insurance Services Ltd, Alan Boswell Group, NW Brown Group Ltd, Aston Scott Ltd
HomeStandaloneesure Insurance Limitedesure, Sheilas' Wheels
HomeStandaloneGreat Lakes Insurance SEMillennium Insurance Brokers Ltd, Direct Group Ltd, Source Insurance Ltd, Assurant Intermediary Ltd, Deeside Insurance Brokers Ltd,
HomeStandaloneGreshamFiner Woolwich, Barclays
HomeStandaloneHiscox Insurance Company LimitedDirect home, 606
HomeStandaloneHiscox Syndicates LimitedLark, 606
HomeStandaloneLloyds Bank General Insurance LimitedLloyds, Halifax, Bank of Scotland, Pearl, Saga
HomeStandaloneLegal and General Insurance LimitedCompare the Market, Direct, Swinton, Money Supermarket, Go Compare
HomeStandaloneLiberty Insurance LimitedNI Hughes Home Buildings & Contents
HomeStandaloneLiverpool Victoria Insurance Company LimitedLV= Direct, brands underwritten by ABC Insurance are Swinton, Insure4Retirement, Caravanwise Ltd, A-Plan Insurance
HomeStandaloneZenith Insurance plc (Markerstudy Group)Fresh Insurance, Quoteline Direct, Insurance Factory Ltd, Aplan, Bewiser
HomeStandaloneMS Amlin Underwriting LimitedLifesure, Stackhouse Poland, Larks, Aon, Markham
HomeStandaloneThe National Farmers' Union Mutual Insurance Society LimitedNFU Mutual
HomeStandaloneRoyal & Sun Alliance Insurance PlcMore Th>n, Paymentshield, Clearchoice, Oak, John Lewis
HomeStandaloneAcromas Insurance Company Ltd (AICL)Saga, AA
HomeStandaloneSt Andrew's Insurance PlcHalifax, Sainsburys, Bank of Scotland
HomeStandaloneTesco Underwriting LimitedTesco Bank
HomeStandaloneThe Salvation Army General Insurance Corporation LtdDirect Sagic, Blueshield, Harrison Beaumont, AC Insurance, Sharrocks
HomeStandaloneZurich Insurance PLCBroker Direct, Zurich Private Clients, Wessex, Endsleigh, PaymentShield
Home EmergencyAdd-on to homeAdmiral Insurance (Gibraltar) LimitedEUI Ltd
Home EmergencyAdd-on to homeAgeas Insurance LimitedKwik Fit, Castle Cover, Age UK, Virgin Money, Rias
Home EmergencyAdd-on to homeAviva Insurance LimitedAviva, HSBC, Santander, Quote Me Happy, Barclays
Home EmergencyAdd-on to homeBrit Syndicates LimitedEndsleigh, Simply Business, Wilsons Insurance Brokers, Lexelle Ltd Arthur J. Gallagher Insurance Brokers Ltd
Home EmergencyAdd-on to homeDAS Legal Expenses Insurance Company LimitedNationwide Building Society, Towergate / Paymentshield Ltd, Esure Insurance Ltd, A-Plan, Hood Direct Ltd
Home EmergencyAdd-on to homeUK Insurance Ltd (UKI)Churchill, Natwest, Direct Line, RBS, Privilege
Home EmergencyAdd-on to homeGreat Lakes Insurance SEGenesis Special Risks Ltd, Caravan Guard Ltd, Legal Insurance Management Ltd, Assurant Intermediary Ltd, Arc Legal Assistance
Home EmergencyAdd-on to homeLiverpool Victoria Insurance Company LimitedLV= Direct
Home EmergencyAdd-on to homeRoyal & Sun Alliance Insurance PlcMore Th>n, Paymentshield, Clearchoice, Oak, John Lewis
Home EmergencyAdd-on to homeAcromas Insurance Company Ltd (AICL)Saga, AA
Home EmergencyAdd-on to homeAmtrust Europe LimitedBGL, Endsleigh, Letcare, Pen Underwriting, Intelligent Insurance, Computerquote, Fresh Insurance, Bluefin Insurance, Higos Insurance
Home EmergencyStand aloneUK Insurance Ltd (UKI)Direct Line, RBS, NatWest
Home EmergencyStand aloneAmtrust Europe LimitedComparison Creator, GoCompare, All Claims Paid, BGL
Home EmergencyStand aloneAviva Insurance LimitedHomeServe
Home EmergencyStand aloneBritish Gas Insurance Limited
Home EmergencyStand aloneDAS Legal Expenses Insurance Company LimitedBritish Gas, Sutton and East Surrey Water Services
Home EmergencyStand aloneGreat Lakes Insurance SEGenesis Special Risks Ltd, Haining & Wright Lexelle Ltd, Deeside Insurance Brokers Ltd, Inspire Insurance Services Ltd
Home EmergencyStand aloneRoyal & Sun Alliance Insurance PlcLloyds
Home EmergencyStand aloneAcromas Insurance Company Ltd (AICL)Saga, AA, LTSB, Barclays
Home EmergencyStand alone
Personal AccidentAdd-onTesco Underwriting LimitedTesco Bank
Personal AccidentAdd-onAdmiral Insurance (Gibraltar) LimitedEUI Ltd
Personal AccidentAdd-onAcromas Insurance Company Ltd (AICL)Saga, Direct Choice
Personal AccidentAdd-onAgeas Insurance LimitedRIAS, Kwik-Fit, Ramasis, Devitts, Carole Nash
Personal AccidentAdd-onAviva Insurance LimitedAviva, Quote Me Happy, General Accident
Personal AccidentAdd-onCanopius Managing Agents LimitedAdrian Flux Insurance Services Group, Europa Group Limited, Grove & Dean, Hastings Direct
Personal AccidentAdd-onesure Insurance LimitedEsure, Sheilas' Wheels, First Alternative
Personal AccidentAdd-onGreat Lakes Insurance SEAuto Legal Protection Services Ltd, Crispin Speers and Partners Ltd, Direct Group Ltd, Principal Insurance Ltd, Qdos Broker and Underwriting
Personal AccidentAdd-onLiverpool Victoria Insurance Company LimitedLV= Direct
Personal AccidentAdd-onZenith Insurance plc (Markerstudy Group)1st Central, AA, Endsleigh, Homeserve
Personal AccidentAdd-onThe National Farmers' Union Mutual Insurance Society LimitedNFU Mutual
Personal AccidentAdd-onAmtrust Europe LimitedSaga
Key CoverAdd-onAdmiral Insurance (Gibraltar) LimitedEUI Ltd
Key CoverAdd-onAgeas Insurance LimitedBG, Tesco Bank, Aviva, Adrian Flux, Qmetric
Key CoverAdd-onesure Insurance LimitedEsure, Sheilas' Wheels, First Alternative
Key CoverAdd-onGreat Lakes Insurance SEMotorists Insurance Services Ltd, Motorplus Ltd, Qdos Broker and Underwriting Services Ltd, Supercover Insurance Ltd, Volkswagen Financial Services (UK) Ltd,
Key CoverAdd-onAmtrust Europe LimitedEldon Insurance Services

Download the data (XLS)

Definitions

  • Sales type
    For personal accident and key cover the data reported are for policies sold as a separate policy add-on to home or motor insurance.
    For home insurance data are reported as standalone sales for combined buildings and contents policies.
    For home emergency insurance the data reported are split between stand-alone sales and policies sold as a separate policy add-on to home or motor insurance.
  • Claims frequency
    How often consumers are claiming on their insurance policies – calculated as the number of claims registered divided by the average number of policies in force. 
  • Claims acceptance rate
    How likely claims are to be accepted. This is calculated as the number of claims registered less the number of claims rejected, divided by the number of claims that have been registered. 
  • Average claims pay-out
    Average claims pay-out (which could include internal costs, relevant external costs as well as pay-outs to policy beneficiaries).

Read the information request (PDF) sent to firms for more detail on the definitions.