The proportion of registered claims that were accepted.
Higher is generally favourableFCA General Insurance Value Measures
Travel insurance
Annual European, annual worldwide and standalone single-trip products remain separate.
Product definition
Reporting year
Market picture
Annual European, 2025
Travel - annual european (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
70 - 75%1
75 - 80%1
80 - 85%4
85 - 90%5
90 - 95%6
Claims frequency
0 - 5%6
5 - 10%11
Claims complaints
0 - 5%11
5 - 10%4
10 - 15%2
Average claims payout
£500 - 10004
£1000 - 15007
£1500 - 20005
£2000 - 25001
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 → | 70 - 75% | 75 - 80% | 80 - 85% | 85 - 90% | 90 - 95% |
|---|---|---|---|---|---|
| 0 - 5% | 1 | 2 | 3 | 5 | |
| 5 - 10% | 1 | 2 | 1 | ||
| 10 - 15% | 1 | 1 |
Legal reporters
Firm-level reported ranges
Showing 17 of 17 legal reporters
| FCA legal reporter | Claims accepted | Claims frequency | Claims complaints | Average claims payout |
|---|---|---|---|---|
| ALLCLEAR INSURANCE SERVICES LIMITED | 90 - 95% | 5 - 10% | 5 - 10% | £2000 - 2500 |
| Astrenska Insurance Limited | 90 - 95% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| Aviva Insurance Limited | 80 - 85% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| AWP P&C S.A. | 90 - 95% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| AXA XL Insurance Company UK Limited | 85 - 90% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Chubb European Group SE | 80 - 85% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| EUI Limited | 85 - 90% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| GIGASURE SERVICES LIMITED | 85 - 90% | 5 - 10% | 5 - 10% | £500 - 1000 |
| Great Lakes Insurance UK Limited | 80 - 85% | 5 - 10% | 0 - 5% | £1500 - 2000 |
| INSURE & GO INSURANCE SERVICES LIMITED | 90 - 95% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| Inter Partner Assistance SA | 75 - 80% | 0 - 5% | 10 - 15% | £1000 - 1500 |
| Liverpool Victoria Insurance Company Limited | 85 - 90% | 5 - 10% | 0 - 5% | £500 - 1000 |
| NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) | 90 - 95% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Pier Insurance Managed Services Limited | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Red Sands Insurance Company (Europe) Limited | 80 - 85% | 5 - 10% | 10 - 15% | £1500 - 2000 |
| Starr International (Europe) Limited | 90 - 95% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| Zurich Insurance Company Ltd | 70 - 75% | 5 - 10% | 0 - 5% | £500 - 1000 |
Indicator guides