All The market articles
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AnalysisThe ‘biggest competitor’ to the equine market is self-insurance
‘We’re seeing an increasing number of horse owners choosing to self-insure, however, this approach carries significant financial risk,’ says equestrian schemes underwriting specialist
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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 AnalysisThe underinsurance divide that’s splitting the country
House prices are determined more by the ground they sit on than the bricks and mortar they’re built with and – with buildings insurance cover limits often tied to property valuations – a striking underinsurance divide has developed across the country
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News AnalysisStandout schemes deliver strong six-monthly earnings, but new business sees mixed momentum
Drawing on exclusive data from broker schemes software provider SchemeServe, the Insurance Times Schemes Index pinpoints where brokers are delivering strong earnings, which schemes are gaining momentum and which may face challenges in the year ahead
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NewsInternational fraud networks seeing ‘crossover’ with UK insurance industry
’There’s definitely crossover with some of these gangs moving across borders, which creates some jurisdictional issues – and I see that being a continuing, increased risk,’ says head of financial crime intelligence and investigations
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AnalysisThe Big Question: What is the potential impact of the Middle East conflict on UKGI?
Insurance Times asked industry figures to consider the risks arising from the ongoing Middle East conflict and what it could mean for the UK insurance market
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News AnalysisInsurance fraud sector exemplifies the ‘good and bad uses of AI’
’Fraudsters are using AI in the same way that we are looking to use it within our organisations, such as for reconnaissance, target identification and research – the world of AI fraud is moving very quickly and is going to be a challenge for us,’ says director
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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 AnalysisThe Big Question: Insurer megamergers are adding up – what M&A opportunities are still on the table for UKGI’s largest carriers?
A surge of deals has triggered a new consolidation cycle that is redefining scale, competition and capability across the UK general insurance market. But questions remain around integration risk, broker dynamics and whether bigger will truly mean better.
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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 AnalysisUnder 25s motor switching fall severely dents new business flow
Policy switching activity among young drivers has fallen significantly over the past year, reducing new business opportunities for insurers and prompting questions over pricing, retention and coverage in the motor market
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News AnalysisBrokers call out ‘devastating impact’ of claims ‘inefficiencies’ on commercial haulage clients
A lack of interim payments and email only communication is having a direct impact on haulage firms’ cash flows, argue commercial brokers – with some demanding changes to ‘one size fits all’ claims processes
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News AnalysisTracking what 180,000 real consumers spend on general insurance
Insurance Times analyses the current and credit account spending of 180,000 real UKGI customers over the last 12 months, to gain a rare insight into the building blocks of the personal lines market
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News AnalysisFresh faces, fresh thinking: Counter fraud leaders call for recruitment overhaul
‘We don’t start people there as apprentices or let them learn from the bottom up – and that’s probably a thing that could be done,’ says director
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News AnalysisSchemes brokers enjoy commission growth after strong year for large schemes
Many large schemes saw solid growth in the second half of 2025, increasing net commission earnings for brokers and strengthening hopes for continued growth in the coming year
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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 AnalysisCommercial lines rates fall by 11.7% as market softening reasserts itself
The latest data from the commercial insurance market reveals that premiums fell by 11.7% year-on-year in the third quarter of 2025, marking the most significant rate decrease recorded in the current soft market cycle
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News AnalysisThe Big Question: What will industry innovation for UKGI look like in 2026?
During 2025, artificial intelligence has quickly reshaped roles, processes and risk exposures – but what innovations and new technologies are UK general insurance participants expecting to land next year and what impact could they have on market practices?
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News AnalysisPrices plummet as diesel vehicles ‘biding their time before the scrap heap calls’ – Percayso Inform
The resale price of electric cars has rebounded from a record low in April 2025, while diesel vehicles continue to haemorrhage value, according to the latest used vehicle market data from Percayso Inform, released in partnership with Insurance Times
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News AnalysisThe Big Question: What’s the next black swan event for UKGI – and is the sector ready?
From climate shocks to cyber catastrophes, insurers are expanding scenario modelling, deepening collaboration and investing in data-driven resilience to withstand the next systemic disruption. But how important is this preparation? Insurance Times puts the question to leading voices from the market.
