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UK Insurance Market Essentials: H2 2025 Update

Publisher GlobalData
Published Jan 15, 2026
Length 37 Pages
SKU # GBDT20830670

Description

UK Insurance Market Essentials: H2 2025 Update

Summary

This report provides an overview of both personal and commercial lines in the UK general insurance market. In the personal lines space, this covers private motor, household, travel, and pet. In the commercial lines space, this covers commercial motor, commercial property, cyber insurance, and employers’ liability. The report explores some of the underlying drivers of gross written premium in these markets, as well as areas for future growth. It goes on to discuss product distribution within both segments of the market.

GlobalData estimates that the UK general insurance market will grow by just 1.7% in 2025, a sharp slowdown from the double-digit growth seen in 2023 and 2024 as both personal and commercial lines move out of the high-inflation pricing cycle.

Scope
  • Personal lines GWP fell 1% to GBP42.82 billion in 2025, driven by a 7.6% contraction in private motor.
  • Commercial lines GWP rose by 4.6% to GBP40.91 billion in 2025, with growth supported by commercial property insurance (+8%) and cyber insurance (+13.5%).
  • Personal lines distribution continues shifting toward digital-focused channels, with the direct channel accounting for 52% of personal lines distribution in 2025.
Reasons to Buy
  • Understand how core UK insurance markets performed over 2021-25e, as well as forecasts to 2029.
  • Ascertain how underlying factors and drivers in these markets will shape them going forward.
  • Explore distribution channel market shares for both commercial and personal lines from 2021 to 2025e.

Table of Contents

37 Pages
1. Executive Summary
2. Total General Insurance
3. Personal Insurance
4. Commercial Insurance
5. Distribution
6. Appendix

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