The proportion of registered claims that were accepted.
Higher is generally favourableFCA General Insurance Value Measures
Pet insurance
Lifetime, maximum-benefit, time-limited and accident-only policies are not treated as equivalents.
Product definition
Reporting year
Market picture
Covered for life, 2025
Pet - covered for life (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
75 - 80%1
80 - 85%2
85 - 90%5
90 - 95%9
95 - 100%5
Claims frequency
10 - 15%1
15 - 20%1
20 - 25%5
25 - 30%2
30 - 35%1
35 - 40%3
40 - 45%2
45 - 50%1
55 - 60%3
65 - 70%1
70 - 75%1
85 - 90%1
Claims complaints
0 - 5%21
5 - 10%1
Average claims payout
£0 - 5007
£500 - 100013
£1000 - 15002
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 → | 75 - 80% | 80 - 85% | 85 - 90% | 90 - 95% | 95 - 100% |
|---|---|---|---|---|---|
| 0 - 5% | 2 | 5 | 9 | 5 | |
| 5 - 10% | 1 |
Legal reporters
Firm-level reported ranges
Showing 22 of 22 legal reporters
| FCA legal reporter | Claims accepted | Claims frequency | Claims complaints | Average claims payout |
|---|---|---|---|---|
| Accredited Insurance (UK) Limited | 90 - 95% | 10 - 15% | 0 - 5% | £1000 - 1500 |
| Allianz Insurance Plc | 95 - 100% | 45 - 50% | 0 - 5% | £500 - 1000 |
| Alwyn Insurance Company Limited | 90 - 95% | 35 - 40% | 0 - 5% | £0 - 500 |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITED | 90 - 95% | 25 - 30% | 0 - 5% | £500 - 1000 |
| Antares Insurance Company Limited | 85 - 90% | 20 - 25% | 0 - 5% | £0 - 500 |
| Atlas Insurance PCC Limited | 95 - 100% | 70 - 75% | 0 - 5% | £0 - 500 |
| Casualty & General Insurance Company (Europe) Ltd | 85 - 90% | 40 - 45% | 0 - 5% | £500 - 1000 |
| City Insurance Brokers Ltd | 90 - 95% | 35 - 40% | 0 - 5% | £0 - 500 |
| Covea Insurance plc | 85 - 90% | 55 - 60% | 0 - 5% | £500 - 1000 |
| EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE) | 90 - 95% | 55 - 60% | 0 - 5% | £0 - 500 |
| EUI Limited | 90 - 95% | 20 - 25% | 0 - 5% | £500 - 1000 |
| Forsakringsaktiebolaget Agria (publ) | 95 - 100% | 85 - 90% | 0 - 5% | £0 - 500 |
| Great Lakes Insurance UK Limited | 80 - 85% | 40 - 45% | 0 - 5% | £500 - 1000 |
| HDI Global Specialty SE | 90 - 95% | 65 - 70% | 0 - 5% | £0 - 500 |
| INTACT INSURANCE UK LIMITED | 90 - 95% | 30 - 35% | 0 - 5% | £500 - 1000 |
| ManyPets Ltd | 95 - 100% | 35 - 40% | 0 - 5% | £500 - 1000 |
| NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) | 95 - 100% | 55 - 60% | 0 - 5% | £1000 - 1500 |
| Only Pets Cover Limited | 85 - 90% | 20 - 25% | 0 - 5% | £500 - 1000 |
| Pinnacle Insurance Limited | 90 - 95% | 25 - 30% | 0 - 5% | £500 - 1000 |
| SCOR UK COMPANY LIMITED | 85 - 90% | 15 - 20% | 0 - 5% | £500 - 1000 |
| STONEBRIDGE INTERNATIONAL INSURANCE LTD. | 80 - 85% | 20 - 25% | 0 - 5% | £500 - 1000 |
| Tedaisy Underwriting Limited | 75 - 80% | 20 - 25% | 5 - 10% | £500 - 1000 |
Indicator guides