MAY 2026

We are pleased to share our latest preliminary analysis of the UK motor insurance market, based on 2025 SFCR disclosures from the earliest reporting firms.

This year’s findings highlight a notable shift in market dynamics.  While market-wide written premiums fell from the peak achieved during 2024, profitability across the sector remained has remarkably strong.  Many firms continue to report highly favourable underwriting results despite sustained premium reductions during 2024 and early-2025.

Our analysis draws on the public regulatory disclosures from 25 insurers, representing nearly 90% of the UK motor insurance market by gross written premium.  The report examines trends in market share, profitability and solvency, covering the results from the dominant largest firms to the Gibraltar-based specialists.

The study includes firm-by-firm data on gross written premium, combined operating ratios and solvency ratios, together with commentary on key market developments and emerging themes from the latest disclosures.

Later this year, we expect to expand the analysis further as additional firms publish their 2025 SFCRs.

If you would like to discuss the findings or their implications for your business or the wider market, we would be happy to arrange a conversation.

 

Click here to download the report