Non-life insurance industry in the United Kingdom (UK) - Statistics & Facts

Non-life, or general insurance, includes insurance policies that provide a guarantee of compensation for loss, damage or illness. Insurance is highly specific to the country of operation. In the United Kingdom (UK), where almost all people have access to the National Healthcare Service (NHS), private health insurance is a relatively small portion of the insurance market. Property and motor, on the other hand, take up considerable market shares.

The UK is the biggest non-life insurance market in Europe, valued at 111.7 billion euros and accounting for nearly ten percent of European insurers’ investment market share. The property segment was nearly one-fourth of the EU market in 2018, while the motor segment stood at 14.4 percent.

Property or home insurance provides protection or liability coverage for property owners. There are numerous insurance products within this broad insurance category but overall, they could be divided into home, content or combined insurance. An insurance policy might be sold through different channels, such as directly from an insurer, through banks or building societies, utilities, retailers, affinity groups, or company agents. Policies also vary in the different perils against which the property is covered. While home insurance is not obligatory, in cases such as taking out a mortgage, it could be required by the lender that the borrower insures the property. In 2018, a total of 19.3 million UK households had home content insurance, spending almost 3.9 billion British pounds. Many people choose to buy insurance online, in the convenience of their own home. In 2019, the median home insurance premium paid online was 145 British pounds, the highest observed since the beginning of 2017.

Unlike property insurance, motor insurance is obligatory for drivers in the UK. There are three main types of motor insurance. Third party, providing coverage against costs resulting from injuries caused to other people and vehicles; third party fire and theft – combining third party coverage with protection in cases of the insured vehicle being stolen or damaged; and comprehensive – adding medical expenses, accidental damage and contents coverage. In 2018, UK households spent over two billion British pounds on motor insurance. Numbers of factors may influence one’s motor insurance premium – for instance, age, claims history and vehicle model. Nevertheless, with insurtech playing an increasingly larger role, it can be anticipated that insurers will be able to write policies with more accuracy and focus on risk prevention.

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Non-life insurance market in the UK

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