December 2025 Edition

Insurance Times December 2025 Edition Cover

In this month’s edition: UGL Insurance boss Derek Coles details the benefits of a platform business in a post-consolidation era, Insurance DataLab unpicks the financials of award winning insurers at this year’s Insurance Times Awards, ghost portals are the emerging insurance fraud threat to watch come 2026 and Open GI data suggests that commercial lines soft market is here to stay.

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Cover story

Derek Coles UGL

Derek Coles: UGL Insurance’s chief executive talks ‘recalibrating’ after completing ‘three years in one’

’We’re like a chameleon, or a leopard that can change its spots – we can be different things to different markets and that’s what gives our business flexibility,’ chief executive tells Insurance Times

Leader

stock market

Opinion: Will 2026 see swathe of IPOs as the consolidation of consolidators well runs dry?

UK general insurance has broker consolidators aplenty – but what does the next stage of their growth journeys look like? Gossip in the sector’s rumour mill has a suggestion…

The Market

trophy, podium

Why Aviva, Ageas UK and Markel were named insurers of the year at 2025’s Insurance Times Awards

Insurance DataLabs provides the facts and figures behind the biggest insurer trophies at the Insurance Times Awards 2025

In Focus

Fraud Charter, Dec 2025

In Focus: Ghost portals ‘fool every police officer’ as new fraud trend undermines frontline policing

A fast-growing fraud trend involving fake insurer portals designed to deceive frontline police officers prompted fresh concern among counter fraud leaders attending latest quarterly roundtable

The People

Nicola Holmes

Nicola Holmes: Schemes leader bringing insurer know-how to broker business with ‘energy, optimism, influence’

Divisional director leaves insurer days behind as ‘the culture, the people [and] the growth ambition’ of specialist intermediary lures her into broking