The proportion of registered claims that were accepted.
Context, not a quality rankingFCA General Insurance Value Measures
Home insurance
Compare combined, buildings-only and contents-only home insurance separately.
Product definition
Reporting year
Market picture
Buildings and contents, 2025
Home - (buildings and contents combined) (All). Exact aggregate values across firms meeting FCA publication rules.
Claims registered as a proportion of average policies in force.
Context, not a quality rankingClaims-related complaints as a proportion of registered claims.
Lower is generally favourableAverage claim payout, including relevant internal and external claims costs where reported.
Context, not a quality rankingThe FCA says firms may report home-insurance acceptance inconsistently. Acceptance bands are shown without favourable colour or ranking.
Both years use the FCA snapshot held on 5 May 2026. Values may differ from the earlier 2024 publication after firm resubmissions.
The FCA says this data may not reflect products and prices available today and is not designed to select an insurance product by itself.
Firm ranges
Where reported firms sit
Firm figures are bands. Bar length shows the number of legal reporters in each FCA band, not a score.
Claims accepted
0 - 5%1
45 - 50%1
50 - 55%2
55 - 60%1
60 - 65%6
65 - 70%5
70 - 75%8
75 - 80%7
80 - 85%5
85 - 90%7
90 - 95%7
95 - 100%7
Claims frequency
0 - 5%44
5 - 10%11
10 - 15%1
20 - 25%1
Claims complaints
0 - 5%21
5 - 10%10
10 - 15%17
15 - 20%4
20 - 25%4
25 - 30%1
Average claims payout
£0 - 5002
£1500 - 20001
£2000 - 25001
£2500 - 30001
£3000 - 35004
£3500 - 40002
£4000 - 45004
£4500 - 50003
£5000 - 55003
£5500 - 60001
£6000 - 65009
£6500 - 70002
£7000 - 75001
£7500 - 80003
£8000 - 85002
£9000 - 95001
£9500 - 100001
£10500 - 110001
£11000 - 115003
£12000 - 125003
£13500 - 140001
£14000 - 145001
£15500 - 160001
£17000 - 175002
£17500 - 180001
£24000 - 245001
£30000 - 305001
£65500 - 660001
Range matrix
Acceptance and complaints together
Each cell counts firms in the two reported bands. This avoids turning wide ranges into false point estimates.
| Claims complaints ↓ Claims accepted → | 0 - 5% | 45 - 50% | 50 - 55% | 55 - 60% | 60 - 65% | 65 - 70% | 70 - 75% | 75 - 80% | 80 - 85% | 85 - 90% | 90 - 95% | 95 - 100% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 - 5% | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 4 | 4 | 6 | ||
| 5 - 10% | 2 | 2 | 1 | 2 | 2 | 1 | ||||||
| 10 - 15% | 1 | 1 | 3 | 1 | 3 | 5 | 1 | 1 | 1 | |||
| 15 - 20% | 2 | 1 | 1 | |||||||||
| 20 - 25% | 1 | 1 | 1 | 1 | ||||||||
| 25 - 30% | 1 |
Legal reporters
Firm-level reported ranges
Showing 57 of 57 legal reporters
| FCA legal reporter | Claims accepted | Claims frequency | Claims complaints | Average claims payout |
|---|---|---|---|---|
| AA Underwriting Insurance Company Limited | 55 - 60% | 0 - 5% | 10 - 15% | £7500 - 8000 |
| Accelerant Insurance Europe SA/NV UK Branch | 90 - 95% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Accelerant Insurance UK Limited | 95 - 100% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Accredited Insurance (Europe) Ltd | 60 - 65% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Acromas Insurance Company Limited | 70 - 75% | 0 - 5% | 0 - 5% | £6500 - 7000 |
| Advantage Insurance Company Limited | 70 - 75% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Ageas Insurance Limited | 75 - 80% | 0 - 5% | 10 - 15% | £10500 - 11000 |
| AmTrust Specialty Limited | 95 - 100% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| Arkel Limited | 90 - 95% | 0 - 5% | 15 - 20% | £3500 - 4000 |
| Aviva Insurance Limited | 70 - 75% | 5 - 10% | 10 - 15% | £5000 - 5500 |
| AXA Insurance Designated Activity Company | 80 - 85% | 0 - 5% | 20 - 25% | £9500 - 10000 |
| AXA Insurance UK Plc | 75 - 80% | 0 - 5% | 20 - 25% | £8000 - 8500 |
| BEAZLEY FURLONGE LIMITED | 95 - 100% | 0 - 5% | 0 - 5% | £11000 - 11500 |
| Brit Syndicates Limited | 95 - 100% | 5 - 10% | 0 - 5% | £24000 - 24500 |
| Canopius Managing Agents Limited | 75 - 80% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Casualty & General Insurance Company (Europe) Ltd | 45 - 50% | 0 - 5% | 0 - 5% | £0 - 500 |
| China Taiping Insurance (UK) Co Ltd | 85 - 90% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Chubb European Group SE | 85 - 90% | 5 - 10% | 0 - 5% | £65500 - 66000 |
| CORNISH MUTUAL ASSURANCE COMPANY,LIMITED | 90 - 95% | 0 - 5% | 0 - 5% | £5000 - 5500 |
| Covea Insurance plc | 80 - 85% | 0 - 5% | 5 - 10% | £15500 - 16000 |
| ECCLESIASTICAL INSURANCE OFFICE PUBLIC LIMITED COMPANY | 90 - 95% | 5 - 10% | 5 - 10% | £17000 - 17500 |
| esure Insurance Limited | 60 - 65% | 0 - 5% | 10 - 15% | £7500 - 8000 |
| EUI Limited | 65 - 70% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| First Central Insurance Management Limited | 80 - 85% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| Frontier Insurance Solutions LTD | 70 - 75% | 0 - 5% | 15 - 20% | £17500 - 18000 |
| Geo Underwriting Services Limited | 85 - 90% | 0 - 5% | 0 - 5% | £17000 - 17500 |
| Great Lakes Insurance UK Limited | 75 - 80% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Gresham Insurance Company Limited | 70 - 75% | 5 - 10% | 5 - 10% | £4500 - 5000 |
| Haven Insurance Company Limited | 75 - 80% | 5 - 10% | 10 - 15% | £7000 - 7500 |
| HCC International Insurance Company Plc | 90 - 95% | 20 - 25% | 0 - 5% | £3500 - 4000 |
| HDI Global Specialty SE | 90 - 95% | 0 - 5% | 0 - 5% | £11000 - 11500 |
| Highway Insurance Company Limited | 65 - 70% | 0 - 5% | 5 - 10% | £5000 - 5500 |
| Hiscox Insurance Company Limited | 95 - 100% | 5 - 10% | 0 - 5% | £30000 - 30500 |
| INTACT INSURANCE UK LIMITED | 65 - 70% | 0 - 5% | 20 - 25% | £12000 - 12500 |
| Integra Insurance Solutions Limited | 65 - 70% | 0 - 5% | 5 - 10% | £9000 - 9500 |
| Kingfisher Insurance Services Limited | 0 - 5% | 0 - 5% | 0 - 5% | £0 - 500 |
| Lares Services Limited | 75 - 80% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Lemonade Insurance N.V. | 60 - 65% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| Liverpool Victoria Insurance Company Limited | 60 - 65% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Lloyds Bank General Insurance Limited | 60 - 65% | 0 - 5% | 10 - 15% | £8000 - 8500 |
| Movo Partnership Ltd | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| Munich Re Syndicate Limited | 95 - 100% | 5 - 10% | 0 - 5% | £12000 - 12500 |
| NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) | 85 - 90% | 5 - 10% | 5 - 10% | £12000 - 12500 |
| Neos Ventures Limited | 75 - 80% | 0 - 5% | 10 - 15% | £3000 - 3500 |
| One Click Cover Limited | 65 - 70% | 0 - 5% | 0 - 5% | £5500 - 6000 |
| Plum Underwriting Limited | 85 - 90% | 0 - 5% | 15 - 20% | £11000 - 11500 |
| SALVATION ARMY GENERAL INSURANCE CORPORATION LIMITED(THE) | 80 - 85% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| SCOR Managing Agency Ltd | 85 - 90% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| SiriusPoint International Insurance Corporation | 85 - 90% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Tesco Underwriting Limited | 80 - 85% | 0 - 5% | 5 - 10% | £6500 - 7000 |
| The New India Assurance Company Limited | 70 - 75% | 10 - 15% | 20 - 25% | £6000 - 6500 |
| Tradex Insurance Company PLC | 60 - 65% | 0 - 5% | 10 - 15% | £7500 - 8000 |
| U K Insurance Limited | 70 - 75% | 0 - 5% | 15 - 20% | £6000 - 6500 |
| Utility Warehouse Limited | 50 - 55% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Wakam UK Limited | 70 - 75% | 0 - 5% | 10 - 15% | £14000 - 14500 |
| Watford Insurance Company Europe Limited | 50 - 55% | 0 - 5% | 25 - 30% | £13500 - 14000 |
| Zurich Insurance Company Ltd | 90 - 95% | 5 - 10% | 0 - 5% | £3000 - 3500 |
Indicator guides