The proportion of registered claims that were accepted.
Higher is generally favourableFCA General Insurance Value Measures
Motor insurance
Claims outcomes reported for private motor insurance legal entities.
Product definition
Reporting year
Market picture
Motor insurance, 2025
Motor (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 rankingBoth 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
65 - 70%1
85 - 90%1
90 - 95%1
95 - 100%49
Claims frequency
0 - 5%12
5 - 10%19
10 - 15%15
15 - 20%2
20 - 25%4
25 - 30%1
Claims complaints
0 - 5%34
5 - 10%15
10 - 15%4
Average claims payout
£0 - 5001
£1000 - 15003
£2000 - 25002
£2500 - 30006
£3000 - 35009
£3500 - 40007
£4000 - 45004
£4500 - 50004
£5000 - 55005
£6000 - 65001
£6500 - 70003
£8500 - 90003
£9500 - 100003
£10000 - 105001
£12000 - 125001
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% | 65 - 70% | 85 - 90% | 90 - 95% | 95 - 100% |
|---|---|---|---|---|---|
| 0 - 5% | 1 | 1 | 1 | 31 | |
| 5 - 10% | 15 | ||||
| 10 - 15% | 1 | 3 |
Legal reporters
Firm-level reported ranges
Showing 53 of 53 legal reporters
| FCA legal reporter | Claims accepted | Claims frequency | Claims complaints | Average claims payout |
|---|---|---|---|---|
| AA Underwriting Insurance Company Limited | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| ABLE INSURANCE SERVICES LIMITED | 65 - 70% | 5 - 10% | 0 - 5% | £8500 - 9000 |
| Accredited Insurance (Europe) Ltd | 95 - 100% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| Acromas Insurance Company Limited | 95 - 100% | 5 - 10% | 5 - 10% | £3500 - 4000 |
| Advantage Insurance Company Limited | 95 - 100% | 5 - 10% | 5 - 10% | £3500 - 4000 |
| Ageas Insurance Limited | 95 - 100% | 5 - 10% | 0 - 5% | £5000 - 5500 |
| Aioi Nissay Dowa Insurance UK Limited | 95 - 100% | 10 - 15% | 5 - 10% | £5000 - 5500 |
| Alwyn Insurance Company Limited | 95 - 100% | 10 - 15% | 0 - 5% | £5000 - 5500 |
| Aviva Insurance Limited | 95 - 100% | 10 - 15% | 0 - 5% | £2500 - 3000 |
| AXA Insurance Designated Activity Company | 95 - 100% | 5 - 10% | 5 - 10% | £9500 - 10000 |
| AXA Insurance UK Plc | 95 - 100% | 5 - 10% | 10 - 15% | £4000 - 4500 |
| Business Insurance Solutions Limited | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Chubb European Group SE | 95 - 100% | 20 - 25% | 0 - 5% | £9500 - 10000 |
| Clements Europe Limited | 95 - 100% | 10 - 15% | 5 - 10% | £5000 - 5500 |
| Collingwood Insurance Company Ltd | 85 - 90% | 0 - 5% | 0 - 5% | £6500 - 7000 |
| CORNISH MUTUAL ASSURANCE COMPANY,LIMITED | 95 - 100% | 5 - 10% | 0 - 5% | £10000 - 10500 |
| Covea Insurance plc | 95 - 100% | 5 - 10% | 0 - 5% | £4500 - 5000 |
| Dual Corporate Risks Limited | 95 - 100% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Eridge Underwriting Agency Ltd | 95 - 100% | 15 - 20% | 0 - 5% | £1000 - 1500 |
| esure Insurance Limited | 95 - 100% | 5 - 10% | 5 - 10% | £4000 - 4500 |
| EUI Limited | 95 - 100% | 10 - 15% | 5 - 10% | £3000 - 3500 |
| Extracover Limited | 95 - 100% | 10 - 15% | 5 - 10% | £2500 - 3000 |
| First Central Insurance Management Limited | 95 - 100% | 10 - 15% | 0 - 5% | £3500 - 4000 |
| First Underwriting Limited | 95 - 100% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Haven Insurance Company Limited | 95 - 100% | 20 - 25% | 5 - 10% | £4000 - 4500 |
| Highway Insurance Company Limited | 95 - 100% | 10 - 15% | 0 - 5% | £2500 - 3000 |
| Hiscox Insurance Company Limited | 95 - 100% | 0 - 5% | 0 - 5% | £8500 - 9000 |
| INTACT INSURANCE UK LIMITED | 95 - 100% | 5 - 10% | 0 - 5% | £3500 - 4000 |
| IQUW Syndicate Management Limited | 95 - 100% | 5 - 10% | 0 - 5% | £5000 - 5500 |
| KGM Underwriting Services Limited | 95 - 100% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Kingfisher Insurance Services Limited | 0 - 5% | 0 - 5% | 0 - 5% | £0 - 500 |
| Liverpool Victoria Insurance Company Limited | 95 - 100% | 10 - 15% | 0 - 5% | £2500 - 3000 |
| MARSHMALLOW FINANCIAL SERVICES LIMITED | 95 - 100% | 10 - 15% | 5 - 10% | £6500 - 7000 |
| Movo Partnership Ltd | 95 - 100% | 20 - 25% | 0 - 5% | £3000 - 3500 |
| MSIG Europe SE | 95 - 100% | 0 - 5% | 5 - 10% | £3500 - 4000 |
| Mulsanne Insurance Company Limited | 95 - 100% | 15 - 20% | 5 - 10% | £9500 - 10000 |
| NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) | 95 - 100% | 10 - 15% | 0 - 5% | £4000 - 4500 |
| One Call Insurance Services Limited | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| Rhino Protect Limited | 95 - 100% | 0 - 5% | 10 - 15% | £2000 - 2500 |
| Sabre Insurance Company Limited | 95 - 100% | 5 - 10% | 0 - 5% | £8500 - 9000 |
| Stella Woman Limited | 95 - 100% | 10 - 15% | 0 - 5% | £3000 - 3500 |
| Tesco Underwriting Limited | 95 - 100% | 5 - 10% | 0 - 5% | £3500 - 4000 |
| Tradex Insurance Company PLC | 95 - 100% | 5 - 10% | 5 - 10% | £2500 - 3000 |
| Trinity Lane Insurance Company Limited | 95 - 100% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| U K Insurance Limited | 95 - 100% | 5 - 10% | 10 - 15% | £4500 - 5000 |
| URIS Group Limited | 95 - 100% | 5 - 10% | 5 - 10% | £12000 - 12500 |
| USAA S.A. UK Branch | 95 - 100% | 20 - 25% | 0 - 5% | £1000 - 1500 |
| Wakam UK Limited | 95 - 100% | 10 - 15% | 0 - 5% | £1000 - 1500 |
| Watford Insurance Company Europe Limited | 90 - 95% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Wrisk Transfer Limited | 95 - 100% | 10 - 15% | 0 - 5% | £3000 - 3500 |
| Yoga Insurance Services Limited | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| Zego Insurance Limited | 95 - 100% | 10 - 15% | 5 - 10% | £2500 - 3000 |
| Zurich Insurance Company Ltd | 95 - 100% | 25 - 30% | 0 - 5% | £6500 - 7000 |
Indicator guides