The solvency ratio is a key metric comparing an insurer’s available own funds to its required capital, providing a snapshot of the company’s capacity to absorb losses and meet obligations. A strong ratio supports policyholder confidence, credit ratings, and regulatory approval for strategic initiatives like dividends or acquisitions. Insurance professionals monitor solvency ratios closely, using capital optimisation, reinsurance, and balance‑sheet management to maintain buffers while still deploying capital efficiently across lines of business and geographies.
A £429m first-half result looks weak against the exceptional H1 2025 comparison, but customer numbers are growing, rates are rising ahead of the market, and Flock signals where Admiral's ambitions are pointing
Landlords, leaseholders and owners of newer homes still can't get near the scheme. Brokers are the ones left explaining why
Business information growth offsets weakness in core insurance lines
The reported numbers look far worse than the underlying picture, and a legal dispute over who pays could reshape the final cost
Four ways the leadership shake-up could affect insurance
