Industry
The insurance industry, explained — who does what and why it matters
The firms, roles and forces behind UK general insurance — from insurers and brokers to MGAs, reinsurers and the platforms that distribute cover.
Explore the industry by topic
The building blocks of the market, and how risk and cover move through it.
Insurers & underwriters
The firms that carry risk and set the terms of cover.
Brokers & agents
How cover is sold and advised to customers.
MGAs & coverholders
Firms that underwrite on insurers' behalf under delegated authority.
Reinsurance
How insurers spread risk to the global reinsurance market.
Insurtech
Technology-led entrants reshaping underwriting and distribution.
Market structure
Concentration, competition and how the market is organised.
Distribution & comparison
Comparison platforms, aggregators and how customers shop.
Claims & supply chain
Repairers, assessors and the network behind a settled claim.
Sample resources
Guides & analysis
Subsidence rises as clay soils dry and shift in a warming climate. Understand the risk, what cover pays and how to spot the signs.
Flood Re keeps flood cover affordable for high-risk homes through a levy on every policy. Understand how the scheme works and who it helps.
Floods, storms and heat are pushing up the cost of cover. Understand climate risk and your insurance premiums, and what you can do.
Claims inflation pushes the cost of settling above general inflation. Understand why, and what it means for the premiums you pay.
Complaints data shows which products and firms draw the most disputes. Understand what the figures reveal and how often customers win.
Insurers use AI to assess, pay and detect fraud in claims. Understand the automation and what it means for your outcome.