OCTOBER 2026

We are pleased to share our updated analysis of the UK motor insurance market, based on the 2025 public disclosures of UK motor insurance firms, now including 39 firms based in the UK and Gibraltar, comprising c. 99% of market gross written premium.  This Briefing Note updates the Preliminary Findings analysis we published in May 2026.

2025 proved to be another bumper year for motor underwriters, as falling rates were accompanied by reduced claim frequencies.

In 2026, the picture for underwriters appears complex and some initial announcements suggest a deteriorating position.  Firms will need to work hard to restore profitability during a time of economic fragility.

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