Analysis

Geoff Carter: Sabre’s husky sled strategy maintains profitability across market cycles

By 2026-04-17T07:00:00

Headshot - Geoff Carter, Sabre Insurance

’People always ask us if there’s a secret recipe but there really isn’t. It’s a mindset and a culture and it’s about not breaking that,’ says chief executive

Motor specialist Sabre Insurance is far from the biggest insurer in the UK market, but it consistently puts up impressive profitability and market leading combined operating ratios (COR) – even when the motor market gets tough.

In its most recent financial results for the 12 months ending 31 December 2025, the insurer posted a profit increase of 4.9% despite a 14.2% fall in GWP, bringing it’s COR down to 82.3% in a year when EY said the market averaged a break-even figure of 101%.

And, nearly 40 years into a career in insurance, Geoff Carter has a simple answer for why Sabre consistently outperforms the market in terms of profitability – it does one thing and does it very well.

Read more…

Explore more motor related content here, or discover other interview stories here

You need to register to continue reading the rest of this article and more for free.
(If you’re already registered, please sign in here.)

REGISTER NOW FOR FREE

We’re glad you’ve chosen Insurance Times as your source for industry news and hope you’ve been enjoying reading articles from our award-winning team of journalists.

Gain access to more of our exclusive, breaking stories, interviews and news analysis as it happens. Registering is quick, easy, free, and will also have the additional benefits:

  • Uncover Secrets: Dive deep with exclusive annual reports, fueled by expert insights.
  • News That Matters: Award-winning coverage & analysis, delivered to your inbox.
  • Stay Ahead, Your Way: Daily or weekly - choose your news rhythm.
  • Own Your Learning: Curate your knowledge with a personalized library.

Register for FREE now and Keep Reading

Stay on top of the insurance game with our subscription! Get unlimited access to over 80,000 articles, in-depth analysis, exclusive reports by industry experts, and our Five-Star rating system to compare companies and find the best fit for your business needs - view subscription options.