Top 20 UK personal property insurers
TOP 20 UK PERSONAL PROPERTY INSURERS 2007 rank 2006 ra...
| 2007 rank | 2006 rank | AMB No | Company Name | Rating | Group name |
| 1 | 1 | 85250 | Norwich Union | A+ | Aviva |
| 2 | 3 | 86257 | RSA | A- | RSA Insurance Group |
| 3 | 4 | 87274 | Churchill Insurance | B+ pd | Royal Bank of Scotland Group |
| 4 | 2 | 87601 | St Andrews | B+ pd | HBOS Insurance |
| 5 | 5 | 87642 | LloydsTSB General | A pd | Lloyds TSB Group |
| 6 | 6 | 87708 | Zurich Insurance (UK Branch) | A (1) | Zurich Financial Services |
| 7 | 9 | 87316 | Direct Line Insurance | A- pd | Royal Bank of Scotland Group |
| 8 | 8 | 85203 | Axa Insurance | NR-5 | Axa S.A. |
| 9 | 11 | 87423 | Legal & General | NR-5 | Legal & General Group |
| 10 | 10 | 86250 | Aviva International Insurance | A+ | Aviva |
| 11 | 13 | 87371 | Gresham Insurance | NR-5 | Aviva |
| 12 | 12 | 87648 | UK Insurance | A- pd | Royal Bank of Scotland Group |
| 13 | 14 | 87233 | Fortis Insurance | B++ pd | Fortis |
| 14 | 16 | 86912 | Hiscox Insurance | A- | Hiscox |
| 15 | 7 | 78186 | CIS General Insurance | NR-5 | Co-Operative Group |
| 16 | 15 | 87438 | London General Insurance | A- | The Warranty Group |
| 17 | 19 | 86373 | Allianz Insurance | A+ | Allianz Societas Europaea |
| 18 | 18 | 85012 | NFU Mutual | A- pd | NFU Mutual and Avon Group |
| 19 | 17 | 87864 | LV= | B pd | N/A |
| 20 | 21 | 87479 | NIG | B+ pd | Royal Bank of Scotland Group |
| 2007 rank | 2006 rank | Company Name | GWP | Underwriting result | Combined ratio | Loss ratio |
| 1 | 1 | Norwich Union | 925,216 | -56,707 | 113.8 | 71.7 |
| 2 | 3 | RSA | 751,784 | -24,303 | 102.3 | 54.6 |
| 3 | 4 | Churchill Insurance | 486,248 | -34,575 | 104.3 | 69.0 |
| 4 | 2 | St Andrews Insurance | 458,093 | 5,009 | 96.4 | 76.7 |
| 5 | 5 | LloydsTSB General | 412,232 | -34,511 | 108.0 | 71.5 |
| 6 | 6 | Zurich Insurance (UK branch) | 342,777 | -112,456 | 136.0 | 90.7 |
| 7 | 9 | Direct Line Insurance | 296,740 | -37,928 | 113.5 | 87.2 |
| 8 | 8 | Axa Insurance | 295,424 | -66,074 | 126.3 | 73.6 |
| 9 | 11 | Legal & General | 255,720 | -101,140 | 143.5 | 100.5 |
| 10 | 10 | Aviva International Insurance | 237,308 | -80,425 | 140.7 | 89.4 |
| 11 | 13 | Gresham Insurance | 237,183 | 11,249 | -187.3 | -196. |
| 12 | 12 | UK Insurance | 236,290 | -69,834 | 133.3 | 89.6 |
| 13 | 14 | Fortis Insurance | 158,021 | -32,038 | 122.0 | 83.4 |
| 14 | 16 | Hiscox Insurance | 152,868 | -11,437 | n/a | n/a |
| 15 | 7 | CIS General | 143,968 | -46,029 | 137.3 | 68.3 |
| 16 | 15 | London General Insurance | 139,779 | 3,452 | 88.6 | 9.2 |
| 17 | 19 | Allianz Insurance | 123,126 | -28,492 | 129.9 | 75.2 |
| 18 | 18 | NFU Mutual | 117,842 | -61,053 | 160.8 | 138.2 |
| 19 | 17 | LV= | 112,509 | -36,552 | 134.4 | 99.9 |
| 20 | 21 | NIG | 62,012 | -27,609 | 155.0 | 110.5 |
* Underwriting result excludes investment income.
(1) The listed A.M. Best rating applies to Zurich Insurance Company,
Switzerland, (AMB# 85095).
Note: Some ratio figures are (N/A) not available because all or some of
these companies-oOo-#39; accident and health business is accounted for on an
underwriting year basis, for which earned premiums is not disclosed on the
FSA return.
Figures in above table are based on FSA returns of financial year 2007 for
personal property lines-oOo-#39; business only (reporting category 160).
Ratings as of 1 July, 2008.
RATING MODIFIERS
Modifier Descriptor Definition
u Under review Best's Rating opinion of the company is under
review
pd Public data Does not subscribe to Best''s interactive rating
process
s Syndicate Assigned to syndicates operating at Lloyd's
Not-rated categories
For companies not assigned a Best's Rating the five categories are:
NR-1: Insufficient data
NR-2: Insufficient size or operating experience
NR-3: Rating procedure inapplicable
NR-4: Company request
NR-5: Not formally followed
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