All articles by Matt Scott
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News AnalysisTop 50 Insurers: Does size really matter for underwriting profitability?
Although larger insurers understandably take advantage of economies of scale, smaller firms have obtained profitable results for the first time in three years thanks to specialist know-how and improvements in loss and expense ratios
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News AnalysisTop 50 Insurers: HCC International tops 2025 Underwriting Gold Awards
Insurance DataLab has done the number crunching to reveal which underwriters have excelled in the UK, Gibraltar and Lloyd’s marketplaces – with Insurance Times exclusively revealing the findings
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News AnalysisTop 50 Insurers: Commercial lines insurers pull ahead as Solvency UK data reveals sharper splits versus personal peers
Property insurance is proving profitable for both commercial and personal lines insurers, with near record lows in natural disasters influencing claims costs
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News AnalysisSolvency ratios strengthen as UK and Gibraltar insurers rebuild profitability
Insurance DataLab analysis of the latest solvency and financial condition reports (SFCRs) reveals rising solvency coverage and improving underwriting results across both markets
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News AnalysisUKGI market returns to underwriting profit as expense management pays dividends
Market intelligence firm pinpoints the best performing business lines in UKGI, while warning that the ‘diverging fortunes’ between firms’ expense and loss ratios can make or break sustainable profitability
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News AnalysisBriefing: Why M&A can no longer be the default growth strategy
The data indicates that acquisition activity is – at last – decelerating in UKGI. However, this is no bad thing, indicating that growth strategies are increasingly considering sustainability rather than just scale
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News AnalysisBriefing: Why getting back to basics is the only route forward for motor insurance
Customer trust and insurers’ financial performance has nosedived in recent years when it comes to the motor insurance market – both pricing and claims processes must be stripped back in order to drive improvements
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News AnalysisBriefing: Climate risk must move from the boardroom to the underwriting floor
There are undoubtedly reputational impacts surrounding more closely considering sustainability and underwriting, however there is also a strong business case for tying underwriting practices to ESG actions
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News AnalysisPet and travel insurance complaints rise amid regulatory scrutiny
In particular, claims journeys appear to be causing customer dissatisfaction, says market intelligence firm
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News AnalysisBriefing: Is the insurance industry still underestimating the cost of poor service?
During softer market conditions, service becomes an even more important differentiator – but still too many firms are failing to focus on service as an important commercial USP
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News AnalysisBriefing: Is pet insurance reaching a breaking point?
With record-level premiums and a rising number of complaints, pet insurance is facing some serious questions over Fair Value and customer outcomes
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News AnalysisMGAs boost productivity as profits and growth come under pressure
Insurance DataLab shares exclusive insight from its soon to be published MGA Performance Report 2025, revealing the top performing firms in this industry subsector
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News AnalysisBriefing: Data without direction is just noise
Data collection must be driven by a purpose, to solve a set problem – otherwise, unintended consequences could cause issues for insurers
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News AnalysisDigital transformation – small steps, big strides
Brokers don’t need a big bang to begin their digital transformation. By focusing on incremental progress and avoiding common pitfalls, they can start delivering meaningful change today
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News AnalysisBriefing: Is the FCA finally getting serious about reducing the compliance burden?
The regulator appears to be listening to broker feedback as it hosts unique webinar to address industry concerns – but will proposed changes actually be implemented and have the desired impact?
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News AnalysisHigh hopes: Can insurance keep pace with the THC drinks boom?
With THC infused beverages growing in popularity in the US, Insurance Times explores the evolving risks, regulatory hurdles and insurance gaps in this budding sector
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News AnalysisIn Focus: Concussion in sport – The legal test cases that could reshape liability risk
Three landmark test cases are shining a spotlight on sports related concussion – these could have far-reaching implications for liability insurers, governing bodies and the future handling of brain injury claims
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News AnalysisLatest GI complaints data shows improvements – but redress and resolution delays increase
Motor and transport insurance remains the most complained about business line in UKGI, according to the FCA, with complex claims and repair delays fuelling frustrations
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News AnalysisTechTalk: Capacity providers ‘more willing to experiment with insurtechs’ – but bar for collaboration is set high
Research findings indicate that insurers have appetite to back propositions from insurtech MGAs – however there are still clearly defined hoops these businesses must jump through if they want to secure the perfect partnership
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News AnalysisBroker profitability rises as growth slows
Insurance DataLab shares exclusive insights from its not yet published Broker Performance Report 2025, revealing the podium level firms that have obtained one of its coveted gold awards
