All articles by Matt Scott
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News AnalysisUK insurer solvency remains strong but aggregate position slips
Insurance DataLab co-founder Matt Scott examines the latest findings from an exclusive analysis of market Solvency and Financial Condition Reports
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News AnalysisBriefing: Getting decisions right starts with trusted data
Major decisions are being delayed, revisited and second-guessed not because of a lack of data, but a lack of confidence in it. Insurance DataLab’s Matt Scott argues that trusted, independent insight is now becoming absolutely critical to decision-making
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News AnalysisMotor and property spearhead recovery across UKGI’s biggest business lines
Data from Insurance DataLab reveals the green shoots of profitable recovery for UK, but what is driving it?
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News AnalysisBriefing: Is more regulation really the answer?
The House of Lords has turned its attention to the UK insurance market, questioning the quality of customer outcomes – but in an already heavily regulated sector, surely the solution lies in data driven self-analysis, rather than adding new regulatory layers
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News AnalysisClaims and customer outcomes reshape insurer placement decisions
A new report from Insurance DataLab has collated claims, complaints, solvency and underwriting data into a single framework designed to give brokers a broader view of insurer performance
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News AnalysisBriefing: Everyone talks about claims excellence – but what does it mean?
How to define a positive claims journey is probably one of the most subjective metrics across UK general insurance – but greater regulatory and customer scrutiny means that firms must benchmark their performance to succeed
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News AnalysisClaims performance comes into sharper focus as brokers seek placement certainty
A new survey from Insurance DataLab sheds light on how claims experience is shaping broker behaviour – and why it is becoming a critical tool in navigating an increasingly complex placement landscape
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News AnalysisBriefing: Placement is becoming a balancing act for brokers
Broker and insurer relationships are now underpinned by so much more than familiarity and a firm handshake – transparency and data around insurer performance is pivotal in supporting brokers to meet client expectations
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News AnalysisThe most complained about business lines in UKGI
Insurance DataLab unpicks the latest complaints data from the FOS to highlight the direction of travel for insurance service
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News AnalysisBriefing: Is AI about to rewrite the rules of insurance distribution?
ChatGPT could be about to follow in the distribution footsteps of price comparison websites – but what are the Consumer Duty considerations that could hamper this model’s progression and uptake?
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News AnalysisAlmost two years on – has Consumer Duty improved customer outcomes?
Data from Insurance DataLab suggests that the FCA’s landmark regulation has not led to a measurable reduction in escalated disputes
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News AnalysisAre pet insurance claims keeping pace with customer expectations?
A disconnect between technical compliance and customer experience carries reputational risk for the sector – but is currently not being addressed
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News AnalysisBriefing: What an unexpected pet insurance claim can reveal about Consumer Duty in practice
Is UKGI too focused on being a stickler for Consumer Duty rules, without properly considering the ethos and spirit of this outcomes centred regulation? Claims processes could be the rub here…
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News AnalysisFOS complaint levels climbing despite Consumer Duty reforms
Insurance DataLab examines the latest Financial Ombudsman Service (FOS) complaints data to question whether Consumer Duty has had the desired impact
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News AnalysisWhy 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
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News AnalysisBriefing: Firms should treat Consumer Duty as reflection of values – not just a compliance requirement
’If the tone from the top prioritises cost over care, even the most detailed frameworks will fail,’ says 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
