Following a successful pilot, we publish value measures data for a wide range of general insurance (GI) products for July to December 2021.
The value of insurance products for consumers continues to be an important area for us given cost of living increases and is a central feature of the incoming Consumer Duty[2]. Firms must ensure that their products offer fair value to consumers.
This is a first set of data and we will continue to analyse trends over time. General insurance is an important product for consumers and by and large provides essential protection to consumers at fair value. However, we are concerned about how the current picture presented in the data appears to compare with firms stating that virtually all products are providing fair value.
We will be closely analysing the next data set due in February 2023, as well as testing the robustness of firms’ product oversight and governance arrangements, including fair value assessments.
Where the data indicates that individual firms, or products, are not providing fair value, we are seeking to urgently understand their assessments and what, if any, changes have been made to the products as a result. Where we are not satisfied with the explanation, we will consider what tools we should use to protect consumers.
1. What the data shows
We have looked at claims costs as a proportion of premium. At an aggregated product level (where a minimum of 5 firms reported data):
- Claims costs as a proportion of premium range from 5.21% for GAP Insurance (Add on) to 65.95% for Motorcycle (all).
- For some products, add-ons have on average lower claim costs as a proportion of premiums, compared to the corresponding standalone product.
- We note that products with the lowest % of premiums paid out in claims included GAP Insurance (Add-on and standalone), Travel insurance (various), Excess Protection Insurance (Add-on) and Personal Accident Insurance (Add-on).
Users of the data can filter the firm specific information by product to explore the distribution of value measures across different firms.
This is a first dataset, covering a 6-month period. Future datasets will cover 12-month reporting periods and give a fuller picture of product value, also better reflecting wider factors such as seasonality.
2. Our expectations
Firms must ensure that their products offer fair value to consumers and take the value measures data into account when assessing fair value. Where value metrics indicate potentially poor value, we expect a firm’s Board and senior management to strongly challenge whether its products are offering fair value to consumers.
Firms must assess the value of their products, considering, among other things, the nature of the product, including the benefits that will be provided, their quality, and any limitations (for example in the scope of cover, exclusions, excesses, or other features). In our thematic review of the general insurance distribution chain (TR19/2[4]), we also found that consumers may not always receive fair value because of parties in distribution chains earning high (and potentially excessive) levels of commission.
Our product governance requirements for General Insurance products stipulate that firms should now have carried out value assessments of their products. Firms should refer to FCA rules and guidance in Chapter 4 of the Product Governance (PROD) sourcebook[5].
We will ask some of the firms offering potentially lower value products to consumers, according to the value measures data, to explain the value of these products and the outcome of the firms’ fair value assessments.
3. Consumer Duty
In July 2022, we launched the Consumer Duty[3], with rules coming into force in July 2023 for products that are open for sale or renewal. While the Consumer Duty includes requirements around product governance, price and value, insurance firms subject to, and complying with, PROD 4 for non-investment insurance products, will already meet the products and services outcome, and the price and value outcome of the Duty. However, value metrics could also be potential indicators of wider issues under the Consumer Duty, helping to show if consumers are getting good outcomes. For example, claims complaints as a percentage of claims may also highlight issues with how firms are delivering consumer support during the claims process.
Under the Consumer Duty, firms must act to deliver good outcomes for their consumers. As part of this, they will need to:
- act in good faith
- avoid causing foreseeable harm
- enable and support consumers to pursue their financial objectives
Firms will also need to provide support that meets consumer needs and expectations, and ensure that consumers can use their product as reasonably anticipated and not face unreasonable barriers during the lifecycle of a product. This could include making sure consumer support and claims handling resources are adequate.
We expect that value measures data will help firms monitor if they are meeting these requirements.
4. Why we are publishing
We committed to publish the GI value measures data in Policy Statement PS20/9[5].
The data will provide firms, market commentators and organisations such as consumer groups, with common indicators of value across a range of GI products. By publishing this information, we aim to create incentives for firms to compete on broader elements of product value than price alone, and to improve the value of the products and services they offer consumers.
The data is not designed to support consumers directly while making decisions about insurance products. The data is also historic so may not reflect products and prices available today. If consumers have questions about the value of their insurance products, they should raise these with insurance firms directly. It is important that consumers understand what cover they are getting – and firms must make that clear to consumers during the sales journey.
5. What the data includes
The data includes firm specific information on claims frequencies, claims acceptance rates, average claims pay-outs and claims complaints as a proportion of claims, for a wide range of retail GI products.
Firms are required to report for relevant products sold to consumers in the UK where total retail premiums (written) are above £400,000 in the reporting period, and where there are more than 3,000 policies in force during the reporting period. We are publishing data about individual firms where the same reporting threshold is met at a granular product level.
We have included some additional contextual information at an aggregate product level to help readers interpret the data. For example, we have calculated the proportion of money raised in premiums that insurers paid out in claims. Our aggregated product level data only includes products where 5 or more firms submitted data.
In Policy Statement PS20/9[8] we said that we would not require firms to report claims cost information for legal expenses insurance or vehicle breakdown insurance. The data does not include related metrics for these products.
6. Explaining the data
Many factors potentially contribute to the value profile of a GI product – and it is important to consider all these factors rather than single metrics in isolation.
Some important factors will not be identifiable in the data but will influence the results. For example, business mix, age of the product, duration of policy (some products in our sample may be longer than 12 months), the reporting period (this initial sample period is just 6 months), target market, and volume of business could create significant variation across products or firms. External factors such as seasonality, inflation or societal issues could have a bearing – for example travel insurance data for July-December 2021 is likely to be impacted by travel behaviours during that phase of the Covid-19 pandemic.
As this is the first time we have collected and published this full data set (outside of the original pilot firms and products) it is possible that we may identify reporting inaccuracies or inconsistencies between firms. We will take steps as required to address such issues. We will be collecting data in February 2023 for the period January-December 2022 – and will publish this in due course.
7. Data tables
| Product Category | Claims Frequency | Claims acceptance rate | Average claims payout | Claim complaints as a % of claims | Sum of Average number of policies in force | Total retail premiums(written) | % of premiums paid out in claims |
|---|---|---|---|---|---|---|---|
| GAP insurance (Add-on) | 0.15% | 96.86% | £2,452.03 | 3.28% | 492,705 | £28.63M | 5.21% |
| GAP insurance (Stand-alone) | 0.90% | 96.51% | £635.45 | 1.42% | 1,663,794 | £108.13M | 7.81% |
| Travel - annual european (All) | 2.50% | 85.95% | £925.51 | 3.85% | 848,696 | £105.61M | 9.26% |
| Excess protection (for motor insurance) (Add-on) | 0.66% | 99.06% | £385.30 | 0.34% | 400,651 | £7.43M | 9.76% |
| Travel - annual worldwide (All) | 1.73% | 83.37% | £1,142.09 | 3.90% | 1,419,588 | £122.85M | 10.60% |
| Personal accident (Add-on) | 0.08% | 96.57% | £1,982.45 | 0.50% | 3,482,930 | £30.83M | 17.48% |
| Travel - single trip (Stand-alone) | 3.66% | 74.71% | £976.24 | 2.23% | 2,425,261 | £172.37M | 18.02% |
| Healthcare cash plan (All) | 116.52% | 94.10% | £61.20 | 0.09% | 2,357,622 | £596.96M | 26.37% |
| Home emergency (Add-on) | 2.36% | 86.89% | £187.62 | 4.00% | 4,812,249 | £57.34M | 27.51% |
| Home - contents only (All) | 1.78% | 78.62% | £1,394.77 | 5.81% | 4,281,117 | £283.96M | 27.58% |
| Excess protection (for motor insurance) (Stand-alone) | 0.62% | 96.95% | £396.87 | 0.31% | 1,940,028 | £11.13M | 29.68% |
| Personal accident (Stand-alone) | 0.42% | 80.22% | £4,802.18 | 3.94% | 886,257 | £46.82M | 30.46% |
| Home emergency (Stand-alone) | 17.13% | 98.19% | £129.55 | 11.88% | 9,349,769 | £638.29M | 31.65% |
| Home - buildings only (All) | 1.54% | 68.49% | £4,887.24 | 10.06% | 2,168,261 | £241.61M | 36.31% |
| Dental insurance (All) | 2.95% | 93.59% | £118.56 | 0.82% | 1,401,116 | £11.87M | 38.47% |
| Extended warranty - electrical goods (Stand-alone) | 6.40% | 99.19% | £147.70 | 4.81% | 9,180,647 | £218.67M | 39.34% |
| Home - (buildings and contents combined) (All) | 2.63% | 77.36% | £3,569.86 | 8.02% | 15,100,138 | £2,339.94M | 39.90% |
| Payment protection (credit card,store cards and personal loans) (All) | 0.52% | 84.91% | £7,039.45 | 5.71% | 399,917 | £22.54M | 42.57% |
| Gadget (including mobile phone) (Add-on) | 8.67% | 98.44% | £375.16 | 6.35% | 2,601,756 | £166.32M | 44.46% |
| Extended warranty - motor (Stand-alone) | 18.56% | 92.48% | £701.68 | 1.21% | 353,231 | £89.37M | 45.71% |
| Payment protection (mortgage) (All) | 1.44% | 91.68% | £3,888.97 | 6.74% | 220,282 | £29.67M | 47.61% |
| Pet - time limited (All) | 16.65% | 86.30% | £552.80 | 1.65% | 707,178 | £112.94M | 50.27% |
| Pet - maximum benefit (All) | 22.94% | 93.59% | £520.02 | 1.17% | 469,046 | £99.55M | 51.65% |
| Motor (All) | 5.11% | 99.18% | £3,320.48 | 4.71% | 33,797,538 | £8,067.65M | 56.34% |
| Pet - covered for life (All) | 30.02% | 92.62% | £552.11 | 0.74% | 3,146,546 | £759.69M | 61.43% |
| Gadget (including mobile phone) (Stand-alone) | 7.32% | 95.33% | £304.23 | 6.41% | 4,441,410 | £124.87M | 62.72% |
| Motor cycle (All) | 2.24% | 97.72% | £6,941.86 | 5.28% | 1,714,488 | £192.14M | 65.95% |
| After the event legal expenses (All) | 1.82% | 93.57% | 0.13% | 342,704 | £51.80M | ||
| Before the event legal expenses - home (All) | 0.16% | 56.00% | 9.21% | 9,193,481 | £87.05M | ||
| Before the event legal expenses - motor (All) | 0.50% | 95.00% | 0.62% | 17,760,905 | £149.89M | ||
| Vehicle breakdown (Add-on) | 6.69% | 93.30% | 1.83% | 7,683,817 | £173.29M | ||
| Vehicle breakdown (Stand-alone) | 17.90% | 96.59% | 2.07% | 7,343,329 | £453.90M |
| Firm name | Product category | Claims acceptance rate | Claims frequency | Claims complaints as a % of claims | Average claims payout |
|---|---|---|---|---|---|
| AA Underwriting Insurance Company Limited | Home - (buildings and contents combined) (All) | 60 - 65% | 0 - 5% | 15 - 20% | £2000 - 2500 |
| AA Underwriting Insurance Company Limited | Home - buildings only (All) | 55 - 60% | 0 - 5% | 20 - 25% | £4500 - 5000 |
| AA Underwriting Insurance Company Limited | Home - contents only (All) | 70 - 75% | 0 - 5% | 10 - 15% | £1500 - 2000 |
| AA Underwriting Insurance Company Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| Abacai Insurance Company | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3500 - 4000 |
| Able Insurance Services Ltd | Motor (All) | 90 - 95% | 5 - 10% | 0 - 5% | £4500 - 5000 |
| Acasta European Insurance Company Limited | Alloy Wheel insurance (Stand-alone) | 95 - 100% | 15 - 20% | 0 - 5% | £0 - 500 |
| Acasta European Insurance Company Limited | Excess protection (for motor insurance) (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Acasta European Insurance Company Limited | Extended warranty - electrical goods (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Acasta European Insurance Company Limited | Extended warranty - furniture (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Acasta European Insurance Company Limited | Extended warranty - motor (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Acasta European Insurance Company Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Accelerant Insurance Europe SA/NV | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £5000 - 5500 |
| Accredited Insurance (Europe) Ltd | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Accredited Insurance (Europe) Ltd | Home - buildings only (All) | 80 - 85% | 0 - 5% | 0 - 5% | £4000 - 4500 |
| Accredited Insurance (Europe) Ltd | Home - contents only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Accredited Insurance (Europe) Ltd | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Accredited Insurance (Europe) Ltd | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Acromas Insurance Company Limited | Before the event legal expenses - home (All) | 25 - 30% | 0 - 5% | 0 - 5% | |
| Acromas Insurance Company Limited | Before the event legal expenses - motor (All) | 85 - 90% | 0 - 5% | 0 - 5% | |
| Acromas Insurance Company Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Acromas Insurance Company Limited | Home - buildings only (All) | 75 - 80% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Acromas Insurance Company Limited | Home - contents only (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Acromas Insurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| Acromas Insurance Company Limited | Pet - maximum benefit (All) | 80 - 85% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Acromas Insurance Company Limited | Vehicle breakdown (Add-on) | 80 - 85% | 15 - 20% | 0 - 5% | |
| Acromas Insurance Company Limited | Vehicle breakdown (Stand-alone) | 85 - 90% | 0 - 5% | 5 - 10% | |
| Action 365 Ltd | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Advantage Insurance Company Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 10 - 15% | £2500 - 3000 |
| Advantage Insurance Company Limited | Motor (All) | 95 - 100% | 5 - 10% | 5 - 10% | £2500 - 3000 |
| Advantage Insurance Company Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Ageas Insurance Limited | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 10 - 15% | 0 - 5% | £0 - 500 |
| Ageas Insurance Limited | GAP insurance (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Ageas Insurance Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Ageas Insurance Limited | Home - (buildings and contents combined) (All) | 55 - 60% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Ageas Insurance Limited | Home - buildings only (All) | 60 - 65% | 0 - 5% | 5 - 10% | £4500 - 5000 |
| Ageas Insurance Limited | Home - contents only (All) | 70 - 75% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Ageas Insurance Limited | Key cover (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Ageas Insurance Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| Ageas Insurance Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| Ageas Insurance Limited | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £8000 - 8500 |
| Ageas Insurance Limited | Travel - annual worldwide (All) | 65 - 70% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Ageas Insurance Limited | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| Ageas Insurance Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | |
| Aioi Nissay Dowa Insurance UK Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Aioi Nissay Dowa Insurance UK Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £5000 - 5500 |
| AllClear Insurance Services Ltd | Travel - single trip (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Allianz Insurance Plc | Before the event legal expenses - home (All) | 65 - 70% | 0 - 5% | 0 - 5% | |
| Allianz Insurance Plc | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| Allianz Insurance Plc | Pet - covered for life (All) | 90 - 95% | 25 - 30% | 0 - 5% | £500 - 1000 |
| Allianz Insurance Plc | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Alwyn Insurance Company Limited | Before the event legal expenses - other (All) | 90 - 95% | 0 - 5% | 0 - 5% | |
| Alwyn Insurance Company Limited | Home emergency (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Alwyn Insurance Company Limited | Motor (All) | 90 - 95% | 5 - 10% | 0 - 5% | £4000 - 4500 |
| Alwyn Insurance Company Limited | Motor cycle (All) | 95 - 100% | 15 - 20% | 0 - 5% | £3000 - 3500 |
| Alwyn Insurance Company Limited | Vehicle breakdown (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Excess protection (for motor insurance) (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Extended warranty - electrical goods (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Healthcare cash plan (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Home - (buildings and contents combined) (All) | 95 - 100% | 10 - 15% | 0 - 5% | £16500 - 17000 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Personal accident (Stand-alone) | 70 - 75% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| AMERICAN INTERNATIONAL GROUP UK LIMITED | Travel - single trip (Stand-alone) | 0 - 5% | 0 - 5% | 0 - 5% | £500 - 1000 |
| AMS Insurance Services Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Amtrust Europe Limited | After the event legal expenses (All) | 90 - 95% | 0 - 5% | 0 - 5% | |
| Amtrust Europe Limited | Before the event legal expenses - home (All) | 25 - 30% | 0 - 5% | 5 - 10% | |
| Amtrust Europe Limited | Before the event legal expenses - motor (All) | 85 - 90% | 0 - 5% | 0 - 5% | |
| Amtrust Europe Limited | Before the event legal expenses - other (All) | 40 - 45% | 0 - 5% | 5 - 10% | |
| Amtrust Europe Limited | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Amtrust Europe Limited | Extended warranty - motor (Stand-alone) | 85 - 90% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Amtrust Europe Limited | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Amtrust Europe Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| Amtrust Europe Limited | Home emergency (Add-on) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| Amtrust Europe Limited | Home emergency (Stand-alone) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| Amtrust Europe Limited | Payment protection (credit card,store cards and personal loans) (All) | 95 - 100% | 0 - 5% | 10 - 15% | £5500 - 6000 |
| Amtrust Europe Limited | Personal accident (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| Amtrust Europe Limited | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| Ancile Insurance Group Ltd | Travel - annual worldwide (All) | 50 - 55% | 0 - 5% | 0 - 5% | £0 - 500 |
| Ancile Insurance Group Ltd | Travel - single trip (Stand-alone) | 60 - 65% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| Animal Friends Insurance Services Ltd | Pet - accident only (All) | 60 - 65% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Animal Friends Insurance Services Ltd | Pet - covered for life (All) | 80 - 85% | 95 - 100% | 0 - 5% | £500 - 1000 |
| Animal Friends Insurance Services Ltd | Pet - maximum benefit (All) | 80 - 85% | 40 - 45% | 0 - 5% | £500 - 1000 |
| Animal Friends Insurance Services Ltd | Pet - time limited (All) | 75 - 80% | 40 - 45% | 0 - 5% | £0 - 500 |
| ARAG Allgemeine Versicherungs-Aktiengesellschaft | Vehicle breakdown (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | |
| Arch Insurance (UK) Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Arch Managing Agency Limited | Extended warranty - motor (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Arch Managing Agency Limited | GAP insurance (Stand-alone) | 90 - 95% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| Arkel Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 5 - 10% | 5 - 10% | £2500 - 3000 |
| Assurant General Insurance Limited | Gadget (including mobile phone) (Add-on) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| Assurant General Insurance Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| Assurant General Insurance Limited | Payment protection (mortgage) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Astrenska Insurance Limited | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Astrenska Insurance Limited | Extended warranty - electrical goods (Stand-alone) | 85 - 90% | 5 - 10% | 0 - 5% | £0 - 500 |
| Astrenska Insurance Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | £0 - 500 |
| Astrenska Insurance Limited | Home emergency (Add-on) | 90 - 95% | 0 - 5% | 5 - 10% | £0 - 500 |
| Astrenska Insurance Limited | Ticket cancellation insurance (All) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Astrenska Insurance Limited | Travel - annual european (All) | 85 - 90% | 0 - 5% | 10 - 15% | £500 - 1000 |
| Astrenska Insurance Limited | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Astrenska Insurance Limited | Travel - single trip (Add-on) | 65 - 70% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Astrenska Insurance Limited | Travel - single trip (Stand-alone) | 85 - 90% | 15 - 20% | 15 - 20% | £500 - 1000 |
| Astrenska Insurance Limited | Vehicle breakdown (Add-on) | 95 - 100% | 20 - 25% | 0 - 5% | |
| Astrenska Insurance Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | |
| Asurion Europe Limited | Gadget (including mobile phone) (Stand-alone) | 85 - 90% | 5 - 10% | 0 - 5% | £0 - 500 |
| Atlanta Insurance Intermediaries Limited | Vehicle breakdown (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | |
| Atlas Insurance PCC Limited | Pet - covered for life (All) | 95 - 100% | 30 - 35% | 0 - 5% | £0 - 500 |
| Automobile Association Insurance Services Limited | Vehicle breakdown (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | |
| Automobile Association Insurance Services Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 20 - 25% | 0 - 5% | |
| AutoProtect (MBI) Ltd | Alloy Wheel insurance (Stand-alone) | 95 - 100% | 15 - 20% | 0 - 5% | £0 - 500 |
| AutoProtect (MBI) Ltd | Extended warranty - motor (Stand-alone) | 65 - 70% | 10 - 15% | 0 - 5% | £0 - 500 |
| AutoProtect (MBI) Ltd | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 30 - 35% | £0 - 500 |
| AutoProtect (MBI) Ltd | Key cover (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| AutoProtect (MBI) Ltd | Tyre cover (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| AutoProtect (MBI) Ltd | Vehicle cosmetic insurance (Stand-alone) | 95 - 100% | 15 - 20% | 0 - 5% | £0 - 500 |
| Autorama UK Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Aviva Insurance Limited | Before the event legal expenses - home (All) | 40 - 45% | 0 - 5% | 10 - 15% | |
| Aviva Insurance Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| Aviva Insurance Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| Aviva Insurance Limited | Home - (buildings and contents combined) (All) | 80 - 85% | 0 - 5% | 10 - 15% | £3000 - 3500 |
| Aviva Insurance Limited | Home - buildings only (All) | 70 - 75% | 0 - 5% | 10 - 15% | £3000 - 3500 |
| Aviva Insurance Limited | Home - contents only (All) | 70 - 75% | 0 - 5% | 10 - 15% | £1500 - 2000 |
| Aviva Insurance Limited | Home emergency (Stand-alone) | 95 - 100% | 15 - 20% | 5 - 10% | £0 - 500 |
| Aviva Insurance Limited | Motor (All) | 95 - 100% | 5 - 10% | 5 - 10% | £2500 - 3000 |
| Aviva Insurance Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 5 - 10% | £6000 - 6500 |
| Aviva Insurance Limited | Travel - annual european (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Aviva Insurance Limited | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| AWP P&C SA | Extended warranty - motor (Stand-alone) | 95 - 100% | 55 - 60% | 0 - 5% | £1000 - 1500 |
| AWP P&C SA | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | £0 - 500 |
| AWP P&C SA | Home emergency (Add-on) | 75 - 80% | 0 - 5% | 0 - 5% | £0 - 500 |
| AWP P&C SA | Ticket cancellation insurance (All) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| AWP P&C SA | Travel - annual european (All) | 90 - 95% | 5 - 10% | 0 - 5% | £1500 - 2000 |
| AWP P&C SA | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| AWP P&C SA | Travel - single trip (Stand-alone) | 90 - 95% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| AWP P&C SA | Vehicle breakdown (Stand-alone) | 95 - 100% | 30 - 35% | 0 - 5% | |
| AXA France IARD | Payment protection (credit card,store cards and personal loans) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £500 - 1000 |
| AXA France IARD | Personal accident (Stand-alone) | 95 - 100% | 0 - 5% | 5 - 10% | £13000 - 13500 |
| AXA Insurance Designated Activity Company | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 15 - 20% | £7000 - 7500 |
| AXA Insurance Designated Activity Company | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £5000 - 5500 |
| AXA Insurance Designated Activity Company | Vehicle breakdown (Add-on) | 80 - 85% | 5 - 10% | 0 - 5% | |
| AXA Insurance UK Plc | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| AXA Insurance UK Plc | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 15 - 20% | £4000 - 4500 |
| AXA Insurance UK Plc | Home - buildings only (All) | 65 - 70% | 0 - 5% | 20 - 25% | £4500 - 5000 |
| AXA Insurance UK Plc | Home - contents only (All) | 75 - 80% | 0 - 5% | 15 - 20% | £1500 - 2000 |
| AXA Insurance UK Plc | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| AXA Insurance UK Plc | Motor cycle (All) | 95 - 100% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| AXA Insurance UK Plc | Payment protection (credit card,store cards and personal loans) (All) | 90 - 95% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| AXA Insurance UK Plc | Payment protection (mortgage) (All) | 65 - 70% | 0 - 5% | 25 - 30% | £3000 - 3500 |
| AXA Insurance UK Plc | Travel - annual european (All) | 85 - 90% | 0 - 5% | 10 - 15% | £500 - 1000 |
| AXA Insurance UK Plc | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 10 - 15% | £500 - 1000 |
| AXA Insurance UK Plc | Travel - single trip (Stand-alone) | 85 - 90% | 5 - 10% | 5 - 10% | £500 - 1000 |
| AXA PPP Healthcare Limited | Dental insurance (All) | 95 - 100% | 60 - 65% | 0 - 5% | £0 - 500 |
| AXA PPP Healthcare Limited | Healthcare cash plan (All) | 95 - 100% | 40 - 45% | 0 - 5% | £0 - 500 |
| AXA PPP Healthcare Limited | Travel - annual european (All) | 90 - 95% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| AXA PPP Healthcare Limited | Travel - annual worldwide (All) | 90 - 95% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| AXA XL Insurance Company UK Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £500 - 1000 |
| AXIS Managing Agency Ltd. | Home - (buildings and contents combined) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £5000 - 5500 |
| AXIS Managing Agency Ltd. | Home - buildings only (All) | 85 - 90% | 0 - 5% | 0 - 5% | £7500 - 8000 |
| Berkshire Hathaway International Insurance Ltd | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3500 - 4000 |
| BHSF Limited | Healthcare cash plan (All) | 90 - 95% | 95 - 100% | 0 - 5% | £0 - 500 |
| BHSF Limited | Personal accident (Stand-alone) | 65 - 70% | 0 - 5% | 25 - 30% | £2500 - 3000 |
| BMG Insurance Brokers Limited | Pet - covered for life (All) | 95 - 100% | 15 - 20% | 0 - 5% | £500 - 1000 |
| Bode Insurance Solutions Limited | Home - contents only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Brit Syndicates Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £6500 - 7000 |
| British Gas Insurance Limited | Home emergency (Stand-alone) | 95 - 100% | 15 - 20% | 10 - 15% | £0 - 500 |
| Building Block Insurance PCC Ltd | Pet - covered for life (All) | 75 - 80% | 15 - 20% | 0 - 5% | £0 - 500 |
| Building Block Insurance PCC Ltd | Vehicle breakdown (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | |
| BUPA Insurance Limited | Dental insurance (All) | 85 - 90% | 95 - 100% | 0 - 5% | £0 - 500 |
| BUPA Insurance Limited | Healthcare cash plan (All) | 85 - 90% | 95 - 100% | 0 - 5% | £0 - 500 |
| Canopius Managing Agents Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 5 - 10% | 0 - 5% | £1500 - 2000 |
| Canopius Managing Agents Limited | Payment protection (credit card,store cards and personal loans) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| Canopius Managing Agents Limited | Personal accident (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Canopius Managing Agents Limited | Personal accident (Stand-alone) | 80 - 85% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| Canopius Managing Agents Limited | Travel - single trip (Stand-alone) | 65 - 70% | 5 - 10% | 0 - 5% | £1500 - 2000 |
| Car Care Plan Ltd | Vehicle breakdown (Add-on) | 95 - 100% | 55 - 60% | 0 - 5% | |
| Casualty & General Insurance Company (Europe) Ltd | Pet - covered for life (All) | 70 - 75% | 80 - 85% | 0 - 5% | £0 - 500 |
| Caversham Insurance Limited | Gadget (including mobile phone) (Stand-alone) | 80 - 85% | 5 - 10% | 5 - 10% | £0 - 500 |
| Chaucer Insurance Company Designated Activity Company | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Chesterfield Insurance Brokers Ltd | Pet - covered for life (All) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Chesterfield Insurance Brokers Ltd | Pet - maximum benefit (All) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| China Taiping Insurance (UK) Co Ltd | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £5500 - 6000 |
| Chubb European Group SE | Gadget (including mobile phone) (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Chubb European Group SE | Home - (buildings and contents combined) (All) | 95 - 100% | 10 - 15% | 0 - 5% | £10500 - 11000 |
| Chubb European Group SE | Motor (All) | 95 - 100% | 25 - 30% | 0 - 5% | £5500 - 6000 |
| Chubb European Group SE | Personal accident (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Chubb European Group SE | Travel - single trip (Add-on) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| City Insurance Brokers Ltd | Pet - covered for life (All) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| Collingwood Insurance Company Ltd | Motor (All) | 80 - 85% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Consilium Insurance Brokers Limited | Extended warranty - electrical goods (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Consilium Insurance Brokers Limited | Extended warranty - furniture (Add-on) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Consilium Insurance Brokers Limited | Extended warranty - furniture (Stand-alone) | 85 - 90% | 15 - 20% | 0 - 5% | £0 - 500 |
| Consilium Insurance Brokers Limited | Extended warranty - motor (Stand-alone) | 95 - 100% | 75 - 80% | 0 - 5% | £0 - 500 |
| Consilium Insurance Brokers Limited | Home emergency (Stand-alone) | 90 - 95% | 20 - 25% | 0 - 5% | £0 - 500 |
| Corgi Homeplan Ltd | Home emergency (Stand-alone) | 90 - 95% | 25 - 30% | 0 - 5% | £0 - 500 |
| Cornish Mutual Assurance Company Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Cornish Mutual Assurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Covea Insurance plc | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Covea Insurance plc | Home - buildings only (All) | 70 - 75% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Covea Insurance plc | Home - contents only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Covea Insurance plc | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Covea Insurance plc | Payment protection (credit card,store cards and personal loans) (All) | 80 - 85% | 0 - 5% | 10 - 15% | £6500 - 7000 |
| Covea Insurance plc | Payment protection (mortgage) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £4500 - 5000 |
| Covea Insurance plc | Personal accident (Stand-alone) | 80 - 85% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| Covea Insurance plc | Pet - covered for life (All) | 90 - 95% | 15 - 20% | 0 - 5% | £500 - 1000 |
| Covea Insurance plc | Pet - maximum benefit (All) | 90 - 95% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Cover Genius Limited | Extended warranty - electrical goods (Add-on) | 60 - 65% | 0 - 5% | 0 - 5% | £0 - 500 |
| Cover Genius Limited | Extended warranty - furniture (Add-on) | 50 - 55% | 5 - 10% | 0 - 5% | £0 - 500 |
| Cover Genius Limited | Missed event / ticket (All) | 80 - 85% | 5 - 10% | 0 - 5% | £0 - 500 |
| Cover Genius Limited | Travel - single trip (Add-on) | 55 - 60% | 0 - 5% | 0 - 5% | £0 - 500 |
| Coverys Managing Agency Ltd | GAP insurance (Stand-alone) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Cubit Insurance Limited | Motor (All) | 90 - 95% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Cuvva Limited | Motor (All) | 95 - 100% | 10 - 15% | 0 - 5% | £1500 - 2000 |
| DAS Legal Expenses Insurance Company Limited | After the event legal expenses (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| DAS Legal Expenses Insurance Company Limited | Before the event legal expenses - home (All) | 60 - 65% | 0 - 5% | 15 - 20% | |
| DAS Legal Expenses Insurance Company Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| DAS Legal Expenses Insurance Company Limited | Home emergency (Add-on) | 85 - 90% | 5 - 10% | 5 - 10% | £0 - 500 |
| DAS Legal Expenses Insurance Company Limited | Home emergency (Stand-alone) | 95 - 100% | 95 - 100% | 0 - 5% | £0 - 500 |
| DAS Legal Expenses Insurance Company Limited | Vehicle breakdown (Add-on) | 95 - 100% | 10 - 15% | 0 - 5% | |
| DAS Legal Expenses Insurance Company Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | |
| Domestic & General Insurance Plc | Extended warranty - electrical goods (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Domestic & General Insurance Plc | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| Eaton Gate MGU Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 10 - 15% | £3500 - 4000 |
| Ecclesiastical Insurance Office Plc | Home - (buildings and contents combined) (All) | 90 - 95% | 5 - 10% | 0 - 5% | £8000 - 8500 |
| Ecclesiastical Insurance Office Plc | Home - contents only (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| ERGO TRAVEL INSURANCE SERVICES LTD | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| ERGO TRAVEL INSURANCE SERVICES LTD | Travel - annual european (All) | 90 - 95% | 0 - 5% | 0 - 5% | £500 - 1000 |
| ERGO TRAVEL INSURANCE SERVICES LTD | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| ERGO TRAVEL INSURANCE SERVICES LTD | Travel - single trip (Stand-alone) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Eridge Underwriting Agency Ltd | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| esure Insurance Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| esure Insurance Limited | Home - (buildings and contents combined) (All) | 65 - 70% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| esure Insurance Limited | Home - buildings only (All) | 55 - 60% | 0 - 5% | 5 - 10% | £6500 - 7000 |
| esure Insurance Limited | Home - contents only (All) | 60 - 65% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| esure Insurance Limited | Key cover (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| esure Insurance Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| esure Insurance Limited | Personal accident (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £5000 - 5500 |
| esure Insurance Limited | Vehicle breakdown (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | |
| esure Insurance Limited | Vehicle misfuelling insurance (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| ETU Forsikring A/S | Pet - covered for life (All) | 90 - 95% | 25 - 30% | 0 - 5% | £500 - 1000 |
| EUI Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| EUI Limited | Home - (buildings and contents combined) (All) | 70 - 75% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| EUI Limited | Home - buildings only (All) | 65 - 70% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| EUI Limited | Home - contents only (All) | 70 - 75% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| EUI Limited | Home emergency (Add-on) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| EUI Limited | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| EUI Limited | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| EUI Limited | Travel - annual european (All) | 70 - 75% | 0 - 5% | 0 - 5% | £500 - 1000 |
| EUI Limited | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| EUI Limited | Travel - single trip (Stand-alone) | 75 - 80% | 15 - 20% | 0 - 5% | £500 - 1000 |
| EUI Limited | Vehicle breakdown (Add-on) | 90 - 95% | 10 - 15% | 0 - 5% | |
| Euroins AD | Travel - annual european (All) | 80 - 85% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Euroins AD | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Euroins AD | Travel - single trip (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Europ Assistance SA | Ticket cancellation insurance (All) | 75 - 80% | 10 - 15% | 0 - 5% | £0 - 500 |
| Europ Assistance SA | Travel - single trip (Add-on) | 60 - 65% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Financial & Legal Insurance Company Ltd | After the event legal expenses (All) | 85 - 90% | 0 - 5% | 0 - 5% | |
| Financial & Legal Insurance Company Ltd | Before the event legal expenses - home (All) | 55 - 60% | 0 - 5% | 0 - 5% | |
| Financial & Legal Insurance Company Ltd | Before the event legal expenses - motor (All) | 90 - 95% | 0 - 5% | 0 - 5% | |
| First Central Insurance Management Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £5000 - 5500 |
| First Underwriting Limited | Home - (buildings and contents combined) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Forsakringsaktiebolaget Agria (publ) | Pet - covered for life (All) | 85 - 90% | 65 - 70% | 0 - 5% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | Alloy Wheel insurance (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | Excess protection (for motor insurance) (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | Extended warranty - electrical goods (Stand-alone) | 90 - 95% | 5 - 10% | 5 - 10% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | Extended warranty - furniture (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | Extended warranty - motor (Stand-alone) | 70 - 75% | 10 - 15% | 0 - 5% | £0 - 500 |
| Fortegra Europe Insurance Company Ltd | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Fortegra Europe Insurance Company Ltd | Vehicle cosmetic insurance (Stand-alone) | 85 - 90% | 5 - 10% | 0 - 5% | £0 - 500 |
| Frontier Insurance Solutions LTD | Home - (buildings and contents combined) (All) | 80 - 85% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Geo Underwriting Services Limited | Home - (buildings and contents combined) (All) | 80 - 85% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Geo Underwriting Services Limited | Home - buildings only (All) | 80 - 85% | 0 - 5% | 5 - 10% | £4500 - 5000 |
| Geo Underwriting Services Limited | Home - contents only (All) | 75 - 80% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| Great Lakes Insurance SE | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Great Lakes Insurance SE | Home - (buildings and contents combined) (All) | 70 - 75% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Great Lakes Insurance SE | Missed event / ticket (All) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Great Lakes Insurance SE | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3500 - 4000 |
| Great Lakes Insurance SE | Payment protection (mortgage) (All) | 70 - 75% | 0 - 5% | 15 - 20% | £7000 - 7500 |
| Great Lakes Insurance SE | Pet - covered for life (All) | 95 - 100% | 40 - 45% | 0 - 5% | £500 - 1000 |
| Great Lakes Insurance SE | Travel - annual european (All) | 85 - 90% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Great Lakes Insurance SE | Travel - annual worldwide (All) | 85 - 90% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Great Lakes Insurance SE | Travel - single trip (Stand-alone) | 55 - 60% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Greenwood Insurance Consultants Ltd | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Gresham Insurance Company Limited | Home - (buildings and contents combined) (All) | 80 - 85% | 5 - 10% | 5 - 10% | £2000 - 2500 |
| Gresham Insurance Company Limited | Home - buildings only (All) | 70 - 75% | 0 - 5% | 10 - 15% | £3000 - 3500 |
| Gresham Insurance Company Limited | Home - contents only (All) | 65 - 70% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| Haven Insurance Company Limited | Before the event legal expenses - motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | |
| Haven Insurance Company Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 10 - 15% | £3500 - 4000 |
| Haven Insurance Company Limited | Motor (All) | 95 - 100% | 15 - 20% | 0 - 5% | £3500 - 4000 |
| HCC Underwriting Agency Ltd | Travel - single trip (Stand-alone) | 60 - 65% | 35 - 40% | 5 - 10% | £500 - 1000 |
| HDI Global Specialty SE | After the event legal expenses (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| HDI Global Specialty SE | Before the event legal expenses - home (All) | 80 - 85% | 0 - 5% | 5 - 10% | |
| HDI Global Specialty SE | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| HDI Global Specialty SE | Home emergency (Add-on) | 85 - 90% | 0 - 5% | 5 - 10% | £0 - 500 |
| HDI Global Specialty SE | Pet - covered for life (All) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| HDI Global Specialty SE | Pet - maximum benefit (All) | 95 - 100% | 30 - 35% | 0 - 5% | £0 - 500 |
| HDI Global Specialty SE | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £0 - 500 |
| HDI Global Specialty SE | Vehicle breakdown (Add-on) | 80 - 85% | 0 - 5% | 5 - 10% | |
| Health Shield Friendly Society Limited | Healthcare cash plan (All) | 95 - 100% | 95 - 100% | 0 - 5% | £0 - 500 |
| Helvetia Global Solutions Ltd | Alloy Wheel insurance (Add-on) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Helvetia Global Solutions Ltd | GAP insurance (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Helvetia Global Solutions Ltd | Vehicle cosmetic insurance (Add-on) | 85 - 90% | 5 - 10% | 0 - 5% | £0 - 500 |
| Highway Insurance Company Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Highway Insurance Company Limited | Home - buildings only (All) | 60 - 65% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Highway Insurance Company Limited | Home - contents only (All) | 80 - 85% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Highway Insurance Company Limited | Home emergency (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Highway Insurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Highway Insurance Company Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £4000 - 4500 |
| Hiscox Insurance Company Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 5 - 10% | 0 - 5% | £8000 - 8500 |
| Hiscox Insurance Company Limited | Home - contents only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| Hiscox Insurance Company Limited | Home emergency (Add-on) | 85 - 90% | 0 - 5% | 10 - 15% | £0 - 500 |
| Hiscox Insurance Company Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| Hiscox Insurance Company Limited | Travel - annual worldwide (All) | 90 - 95% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Homeserve Furniture Repairs Limited | Extended warranty - furniture (Stand-alone) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| Howserv Limited | Travel - annual european (All) | 85 - 90% | 10 - 15% | 0 - 5% | £1000 - 1500 |
| Howserv Limited | Travel - annual worldwide (All) | 85 - 90% | 10 - 15% | 0 - 5% | £1000 - 1500 |
| Howserv Limited | Travel - single trip (Stand-alone) | 85 - 90% | 10 - 15% | 0 - 5% | £1000 - 1500 |
| HSF Health Plan Limited | Healthcare cash plan (All) | 95 - 100% | 70 - 75% | 0 - 5% | £0 - 500 |
| Hyundai Capital UK Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| i-Partners Insurance Management Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 15 - 20% | 0 - 5% | £500 - 1000 |
| Independent Broking Solutions Limited | After the event legal expenses (All) | 90 - 95% | 0 - 5% | 0 - 5% | |
| Insure & Go Insurance Services Ltd | Travel - single trip (Stand-alone) | 85 - 90% | 5 - 10% | 0 - 5% | £500 - 1000 |
| INSURE GROUP LIMITED | Home emergency (Stand-alone) | 70 - 75% | 15 - 20% | 5 - 10% | £0 - 500 |
| Integra Insurance Solutions Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Integra Insurance Solutions Limited | Home - buildings only (All) | 70 - 75% | 0 - 5% | 5 - 10% | £7000 - 7500 |
| Integra Insurance Solutions Limited | Home - contents only (All) | 85 - 90% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Inter Partner Assistance SA | Excess protection (for motor insurance) (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Excess protection (for motor insurance) (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 5 - 10% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Home emergency (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Home emergency (Stand-alone) | 90 - 95% | 5 - 10% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Key cover (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Key cover (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Inter Partner Assistance SA | Travel - annual european (All) | 60 - 65% | 0 - 5% | 5 - 10% | £500 - 1000 |
| Inter Partner Assistance SA | Travel - annual worldwide (All) | 60 - 65% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| Inter Partner Assistance SA | Travel - single trip (Stand-alone) | 75 - 80% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Inter Partner Assistance SA | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| Inter Partner Assistance SA | Vehicle breakdown (Stand-alone) | 95 - 100% | 40 - 45% | 0 - 5% | |
| International Breakdown Limited | Vehicle breakdown (Stand-alone) | 85 - 90% | 35 - 40% | 0 - 5% | |
| IQUW Syndicate Management Limited | Motor (All) | 95 - 100% | 0 - 5% | 10 - 15% | £5000 - 5500 |
| IQUW Syndicate Management Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 50 - 55% | £66000 - 66500 |
| IQUW Syndicate Management Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 10 - 15% | 5 - 10% | |
| John Clark (Aberdeen) Ltd | Alloy Wheel insurance (Add-on) | 0 - 5% | 0 - 5% | 0 - 5% | £0 - 500 |
| John Clark (Aberdeen) Ltd | GAP insurance (Add-on) | 0 - 5% | 0 - 5% | 0 - 5% | £0 - 500 |
| KGM Underwriting Services Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| KGM Underwriting Services Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Leisure World Developments Ltd | Travel - single trip (Stand-alone) | 75 - 80% | 0 - 5% | 0 - 5% | £0 - 500 |
| Lexham Insurance Consultants Limited | Motor cycle (All) | 95 - 100% | 15 - 20% | 0 - 5% | £2500 - 3000 |
| Liberty Mutual Insurance Europe SE | Gadget (including mobile phone) (Stand-alone) | 60 - 65% | 0 - 5% | 10 - 15% | £0 - 500 |
| Liverpool Victoria Insurance Company Limited | Before the event legal expenses - home (All) | 85 - 90% | 0 - 5% | 0 - 5% | |
| Liverpool Victoria Insurance Company Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| Liverpool Victoria Insurance Company Limited | Home - (buildings and contents combined) (All) | 70 - 75% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Liverpool Victoria Insurance Company Limited | Home - buildings only (All) | 60 - 65% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Liverpool Victoria Insurance Company Limited | Home - contents only (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Liverpool Victoria Insurance Company Limited | Home emergency (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Liverpool Victoria Insurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Liverpool Victoria Insurance Company Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| Liverpool Victoria Insurance Company Limited | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Liverpool Victoria Insurance Company Limited | Pet - covered for life (All) | 95 - 100% | 15 - 20% | 0 - 5% | £500 - 1000 |
| Liverpool Victoria Insurance Company Limited | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £0 - 500 |
| Liverpool Victoria Insurance Company Limited | Travel - annual european (All) | 70 - 75% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Liverpool Victoria Insurance Company Limited | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Liverpool Victoria Insurance Company Limited | Travel - single trip (Stand-alone) | 90 - 95% | 15 - 20% | 0 - 5% | £500 - 1000 |
| Liverpool Victoria Insurance Company Limited | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| Liverpool Victoria Insurance Company Limited | Vehicle breakdown (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | |
| Lloyd & Whyte Ltd | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| Lloyds Bank General Insurance Limited | Home - (buildings and contents combined) (All) | 60 - 65% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| Lloyds Bank General Insurance Limited | Home - buildings only (All) | 50 - 55% | 0 - 5% | 10 - 15% | £6000 - 6500 |
| Lloyds Bank General Insurance Limited | Home - contents only (All) | 65 - 70% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| Lloyds Bank General Insurance Limited | Payment protection (credit card,store cards and personal loans) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Lloyds Bank General Insurance Limited | Payment protection (mortgage) (All) | 90 - 95% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| London General Insurance Company Limited | Extended warranty - electrical goods (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| London General Insurance Company Limited | Extended warranty - motor (Stand-alone) | 75 - 80% | 15 - 20% | 0 - 5% | £0 - 500 |
| London General Insurance Company Limited | Gadget (including mobile phone) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| London General Insurance Company Limited | GAP insurance (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| London General Insurance Company Limited | Tyre cover (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Mark Stuart Andrews | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 0 - 5% | 0 - 5% | £0 - 500 |
| Markel International Insurance Company Limited | After the event legal expenses (All) | 95 - 100% | 75 - 80% | 0 - 5% | |
| Markel International Insurance Company Limited | Before the event legal expenses - other (All) | 75 - 80% | 0 - 5% | 0 - 5% | |
| Markel International Insurance Company Limited | Home - contents only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Markerstudy Insurance Services Limited | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Markerstudy Insurance Services Limited | Gadget (including mobile phone) (Stand-alone) | 90 - 95% | 5 - 10% | 10 - 15% | £0 - 500 |
| Markerstudy Insurance Services Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| Markerstudy Insurance Services Limited | Home - buildings only (All) | 85 - 90% | 0 - 5% | 10 - 15% | £1000 - 1500 |
| Markerstudy Insurance Services Limited | Home - contents only (All) | 90 - 95% | 0 - 5% | 10 - 15% | £500 - 1000 |
| Markerstudy Insurance Services Limited | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £3500 - 4000 |
| Markerstudy Insurance Services Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 15 - 20% | £13000 - 13500 |
| Markerstudy Insurance Services Limited | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Markerstudy Insurance Services Limited | Pet - covered for life (All) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| Markerstudy Insurance Services Limited | Pet - maximum benefit (All) | 95 - 100% | 30 - 35% | 0 - 5% | £0 - 500 |
| Markerstudy Insurance Services Limited | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £0 - 500 |
| Marshmallow Financial Services Ltd | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £2000 - 2500 |
| MCE Insurance Limited | Motor (All) | 95 - 100% | 15 - 20% | 0 - 5% | £3000 - 3500 |
| MCE Insurance Limited | Motor cycle (All) | 95 - 100% | 5 - 10% | 0 - 5% | £3000 - 3500 |
| MCE Insurance Limited | Vehicle breakdown (Add-on) | 65 - 70% | 30 - 35% | 0 - 5% | |
| Medicash Health Benefits Limited | Healthcare cash plan (All) | 95 - 100% | 95 - 100% | 0 - 5% | £0 - 500 |
| Midas Underwriting Ltd | Home - (buildings and contents combined) (All) | 90 - 95% | 0 - 5% | 10 - 15% | £7000 - 7500 |
| Midas Underwriting Ltd | Home - buildings only (All) | 80 - 85% | 0 - 5% | 25 - 30% | £5500 - 6000 |
| Midas Underwriting Ltd | Motor (All) | 95 - 100% | 5 - 10% | 5 - 10% | £4000 - 4500 |
| Miramar Underwriting Ltd | Home - contents only (All) | 75 - 80% | 5 - 10% | 0 - 5% | £500 - 1000 |
| MotoNovo Finance Limited | GAP insurance (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £500 - 1000 |
| MotoNovo Finance Limited | Payment protection (credit card,store cards and personal loans) (All) | 65 - 70% | 0 - 5% | 0 - 5% | £0 - 500 |
| Motors Insurance Company Limited | Alloy Wheel insurance (Add-on) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Motors Insurance Company Limited | Extended warranty - motor (Add-on) | 85 - 90% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Motors Insurance Company Limited | Extended warranty - motor (Stand-alone) | 85 - 90% | 20 - 25% | 0 - 5% | £500 - 1000 |
| Motors Insurance Company Limited | GAP insurance (Add-on) | 95 - 100% | 0 - 5% | 5 - 10% | £3000 - 3500 |
| Motors Insurance Company Limited | Tyre cover (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Motors Insurance Company Limited | Vehicle cosmetic insurance (Add-on) | 85 - 90% | 10 - 15% | 0 - 5% | £0 - 500 |
| Motorway Direct Ltd | Extended warranty - motor (Stand-alone) | 75 - 80% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Munich Re Syndicate Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 5 - 10% | £8500 - 9000 |
| Ocaso SA, Compania de Seguros y Reaseguros | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £8000 - 8500 |
| Ocaso SA, Compania de Seguros y Reaseguros | Home - buildings only (All) | 85 - 90% | 0 - 5% | 5 - 10% | £7500 - 8000 |
| One Call Insurance Services Limited | Home emergency (Add-on) | 55 - 60% | 0 - 5% | 0 - 5% | £0 - 500 |
| One Call Insurance Services Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £2500 - 3000 |
| One Call Insurance Services Limited | Vehicle breakdown (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | |
| Only Pets Cover Limited | Pet - covered for life (All) | 85 - 90% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Only Pets Cover Limited | Pet - maximum benefit (All) | 85 - 90% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Only Pets Cover Limited | Pet - time limited (All) | 80 - 85% | 10 - 15% | 0 - 5% | £500 - 1000 |
| OVO (S) HOME SERVICES LIMITED | Home emergency (Stand-alone) | 95 - 100% | 20 - 25% | 0 - 5% | £0 - 500 |
| Paycare | Healthcare cash plan (All) | 95 - 100% | 85 - 90% | 0 - 5% | £0 - 500 |
| Personal Assurance Plc | Healthcare cash plan (All) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| Pier Insurance Managed Services Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 0 - 5% | £0 - 500 |
| Pinnacle Insurance Plc | GAP insurance (Stand-alone) | 80 - 85% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| Pinnacle Insurance Plc | Payment protection (credit card,store cards and personal loans) (All) | 90 - 95% | 0 - 5% | 10 - 15% | £1500 - 2000 |
| Pinnacle Insurance Plc | Payment protection (mortgage) (All) | 95 - 100% | 0 - 5% | 15 - 20% | £1500 - 2000 |
| Pinnacle Insurance Plc | Pet - covered for life (All) | 95 - 100% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Pinnacle Insurance Plc | Pet - maximum benefit (All) | 95 - 100% | 10 - 15% | 5 - 10% | £500 - 1000 |
| Pinnacle Insurance Plc | Pet - time limited (All) | 95 - 100% | 5 - 10% | 5 - 10% | £500 - 1000 |
| Plum Underwriting Limited | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £9500 - 10000 |
| Plum Underwriting Limited | Home - buildings only (All) | 80 - 85% | 0 - 5% | 5 - 10% | £13500 - 14000 |
| Porsche Financial Services GmbH | Extended warranty - motor (Stand-alone) | 95 - 100% | 40 - 45% | 0 - 5% | £500 - 1000 |
| Premier Underwriting Ltd | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £5500 - 6000 |
| QBE UK Limited | Extended warranty - motor (Stand-alone) | 95 - 100% | 10 - 15% | 0 - 5% | £500 - 1000 |
| QIC Europe Ltd | Home - (buildings and contents combined) (All) | 55 - 60% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| QIC Europe Ltd | Motor (All) | 95 - 100% | 10 - 15% | 0 - 5% | £2000 - 2500 |
| Qmetric Group Limited | Before the event legal expenses - home (All) | 20 - 25% | 0 - 5% | 10 - 15% | |
| Qmetric Group Limited | Home - (buildings and contents combined) (All) | 55 - 60% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| Qmetric Group Limited | Home emergency (Add-on) | 75 - 80% | 0 - 5% | 0 - 5% | £0 - 500 |
| Qmetric Group Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| RAC Insurance Limited | Before the event legal expenses - home (All) | 65 - 70% | 0 - 5% | 0 - 5% | |
| RAC Insurance Limited | Before the event legal expenses - motor (All) | 85 - 90% | 0 - 5% | 0 - 5% | |
| RAC Insurance Limited | Vehicle breakdown (Add-on) | 90 - 95% | 0 - 5% | 5 - 10% | |
| RAC Insurance Limited | Vehicle breakdown (Stand-alone) | 85 - 90% | 5 - 10% | 5 - 10% | |
| RAC Motoring Services | Key cover (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| RAC Motoring Services | Tyre cover (Add-on) | 90 - 95% | 10 - 15% | 0 - 5% | £0 - 500 |
| RAC Motoring Services | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| RAC Motoring Services | Vehicle breakdown (Stand-alone) | 95 - 100% | 15 - 20% | 0 - 5% | |
| Real Garant Versicherung Aktiengesellschaft | Extended warranty - motor (Stand-alone) | 95 - 100% | 40 - 45% | 0 - 5% | £500 - 1000 |
| Rentokil Insurance Limited | Home - buildings only (All) | 45 - 50% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Rock Insurance Services Limited | Travel - annual european (All) | 80 - 85% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Rock Insurance Services Limited | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 0 - 5% | £3000 - 3500 |
| Rock Insurance Services Limited | Travel - single trip (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Royal & Sun Alliance Insurance Limited | Before the event legal expenses - home (All) | 65 - 70% | 0 - 5% | 0 - 5% | |
| Royal & Sun Alliance Insurance Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | |
| Royal & Sun Alliance Insurance Limited | Home - (buildings and contents combined) (All) | 70 - 75% | 0 - 5% | 5 - 10% | £3500 - 4000 |
| Royal & Sun Alliance Insurance Limited | Home - buildings only (All) | 65 - 70% | 0 - 5% | 5 - 10% | £4500 - 5000 |
| Royal & Sun Alliance Insurance Limited | Home - contents only (All) | 75 - 80% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| Royal & Sun Alliance Insurance Limited | Home emergency (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| Royal & Sun Alliance Insurance Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £4000 - 4500 |
| Royal & Sun Alliance Insurance Limited | Pet - accident only (All) | 60 - 65% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Royal & Sun Alliance Insurance Limited | Pet - covered for life (All) | 90 - 95% | 20 - 25% | 0 - 5% | £0 - 500 |
| Royal & Sun Alliance Insurance Limited | Pet - maximum benefit (All) | 90 - 95% | 25 - 30% | 0 - 5% | £0 - 500 |
| Royal & Sun Alliance Insurance Limited | Pet - time limited (All) | 85 - 90% | 15 - 20% | 0 - 5% | £0 - 500 |
| Royal & Sun Alliance Insurance Limited | Vehicle breakdown (Add-on) | 95 - 100% | 10 - 15% | 0 - 5% | |
| S.A. Meacock & Company Limited | Payment protection (credit card,store cards and personal loans) (All) | 70 - 75% | 0 - 5% | 0 - 5% | £36000 - 36500 |
| Sabre Insurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £7000 - 7500 |
| Sabre Insurance Company Limited | Motor cycle (All) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| SCOR Managing Agency Ltd | Home - (buildings and contents combined) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £6500 - 7000 |
| SCOR Managing Agency Ltd | Home - buildings only (All) | 85 - 90% | 0 - 5% | 20 - 25% | £3000 - 3500 |
| Simplyhealth Access | Dental insurance (All) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Simplyhealth Access | Healthcare cash plan (All) | 90 - 95% | 95 - 100% | 0 - 5% | £0 - 500 |
| Sovereign Health Care | Healthcare cash plan (All) | 85 - 90% | 95 - 100% | 0 - 5% | £0 - 500 |
| St Andrew's Insurance Plc | Payment protection (credit card,store cards and personal loans) (All) | 75 - 80% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| St Andrew's Insurance Plc | Payment protection (mortgage) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £4500 - 5000 |
| Starr International (Europe) Limited | Gadget (including mobile phone) (Stand-alone) | 95 - 100% | 5 - 10% | 5 - 10% | £0 - 500 |
| Stonebridge International Insurance Ltd | Personal accident (Stand-alone) | 55 - 60% | 0 - 5% | 5 - 10% | £20500 - 21000 |
| Telefonica Seguros y Reaseguros Compania Aseguradora S.A.U. | Gadget (including mobile phone) (Add-on) | 95 - 100% | 10 - 15% | 5 - 10% | £0 - 500 |
| Tempcover Limited | Motor (All) | 70 - 75% | 0 - 5% | 0 - 5% | £5000 - 5500 |
| Tesco Personal Finance PLC | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £4000 - 4500 |
| Tesco Personal Finance PLC | Home - buildings only (All) | 80 - 85% | 0 - 5% | 5 - 10% | £5000 - 5500 |
| Tesco Personal Finance PLC | Home - contents only (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Tesco Personal Finance PLC | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £5500 - 6000 |
| Tesco Personal Finance PLC | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £26000 - 26500 |
| The Equine and Livestock Insurance Company Limited | Pet - covered for life (All) | 90 - 95% | 25 - 30% | 0 - 5% | £0 - 500 |
| The Equine and Livestock Insurance Company Limited | Pet - maximum benefit (All) | 85 - 90% | 5 - 10% | 0 - 5% | £1000 - 1500 |
| The Equine and Livestock Insurance Company Limited | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £500 - 1000 |
| The Exeter Cash Plan | Healthcare cash plan (All) | 95 - 100% | 55 - 60% | 0 - 5% | £0 - 500 |
| The National Farmers' Union Mutual Insurance Society Limited | Before the event legal expenses - home (All) | 65 - 70% | 0 - 5% | 5 - 10% | |
| The National Farmers' Union Mutual Insurance Society Limited | Home - (buildings and contents combined) (All) | 90 - 95% | 5 - 10% | 0 - 5% | £6500 - 7000 |
| The National Farmers' Union Mutual Insurance Society Limited | Home - buildings only (All) | 90 - 95% | 0 - 5% | 0 - 5% | £12000 - 12500 |
| The National Farmers' Union Mutual Insurance Society Limited | Home - contents only (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| The National Farmers' Union Mutual Insurance Society Limited | Home emergency (Add-on) | 85 - 90% | 0 - 5% | 5 - 10% | £0 - 500 |
| The National Farmers' Union Mutual Insurance Society Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £2500 - 3000 |
| The National Farmers' Union Mutual Insurance Society Limited | Personal accident (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £15000 - 15500 |
| The National Farmers' Union Mutual Insurance Society Limited | Pet - covered for life (All) | 95 - 100% | 25 - 30% | 0 - 5% | £500 - 1000 |
| The National Farmers' Union Mutual Insurance Society Limited | Pet - time limited (All) | 90 - 95% | 10 - 15% | 0 - 5% | £500 - 1000 |
| The National Farmers' Union Mutual Insurance Society Limited | Travel - annual european (All) | 90 - 95% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| The National Farmers' Union Mutual Insurance Society Limited | Travel - annual worldwide (All) | 90 - 95% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| The National Farmers' Union Mutual Insurance Society Limited | Vehicle breakdown (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | |
| The New India Assurance Company Limited | Motor (All) | 95 - 100% | 5 - 10% | 5 - 10% | £1500 - 2000 |
| The Salvation Army General Insurance Corporation Ltd | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £3500 - 4000 |
| Tokio Marine Kiln Syndicates Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Trinity Lane Insurance Company Limited | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Trinity Lane Insurance Company Limited | Key cover (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| Trinity Lane Insurance Company Limited | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2000 - 2500 |
| Trinity Lane Insurance Company Limited | Motor cycle (All) | 95 - 100% | 0 - 5% | 0 - 5% | £7500 - 8000 |
| Trinity Lane Insurance Company Limited | Personal accident (Add-on) | 35 - 40% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| Trinity Lane Insurance Company Limited | Vehicle breakdown (Add-on) | 95 - 100% | 5 - 10% | 0 - 5% | |
| TVIS Limited | Pet - covered for life (All) | 95 - 100% | 30 - 35% | 0 - 5% | £0 - 500 |
| U K Insurance Limited | Before the event legal expenses - home (All) | 80 - 85% | 0 - 5% | 10 - 15% | |
| U K Insurance Limited | Before the event legal expenses - motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | |
| U K Insurance Limited | Home - (buildings and contents combined) (All) | 95 - 100% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| U K Insurance Limited | Home - buildings only (All) | 90 - 95% | 0 - 5% | 10 - 15% | £4000 - 4500 |
| U K Insurance Limited | Home - contents only (All) | 95 - 100% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| U K Insurance Limited | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £6500 - 7000 |
| U K Insurance Limited | Payment protection (mortgage) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1500 - 2000 |
| U K Insurance Limited | Pet - maximum benefit (All) | 90 - 95% | 30 - 35% | 0 - 5% | £500 - 1000 |
| U K Insurance Limited | Travel - annual worldwide (All) | 75 - 80% | 0 - 5% | 5 - 10% | £1000 - 1500 |
| U K Insurance Limited | Vehicle breakdown (Add-on) | 90 - 95% | 5 - 10% | 0 - 5% | |
| U K Insurance Limited | Vehicle breakdown (Stand-alone) | 90 - 95% | 10 - 15% | 0 - 5% | |
| UIA (Insurance) Limited | Home - (buildings and contents combined) (All) | 70 - 75% | 0 - 5% | 5 - 10% | £4000 - 4500 |
| UIA (Insurance) Limited | Home - contents only (All) | 65 - 70% | 0 - 5% | 10 - 15% | £500 - 1000 |
| UK General Insurance Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| UK General Insurance Limited | Payment protection (mortgage) (All) | 65 - 70% | 0 - 5% | 15 - 20% | £8000 - 8500 |
| UK General Insurance Limited | Personal accident (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Union Income Benefit Holdings Limited | Payment protection (credit card,store cards and personal loans) (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| Union Income Benefit Holdings Limited | Personal accident (Stand-alone) | 80 - 85% | 0 - 5% | 0 - 5% | £7000 - 7500 |
| United Legal Assistance Limited | Before the event legal expenses - motor (All) | 90 - 95% | 0 - 5% | 0 - 5% | |
| Unum Ltd | Dental insurance (All) | 95 - 100% | 85 - 90% | 0 - 5% | £0 - 500 |
| Urban Jungle Services Ltd | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| USAA Limited | Home - contents only (All) | 95 - 100% | 0 - 5% | 0 - 5% | £1000 - 1500 |
| USAA Limited | Motor (All) | 95 - 100% | 30 - 35% | 0 - 5% | £3000 - 3500 |
| Volkswagen Versicherung Aktiengesellschaft | Extended warranty - motor (Stand-alone) | 80 - 85% | 10 - 15% | 0 - 5% | £500 - 1000 |
| Watford Insurance Company Europe Limited | Gadget (including mobile phone) (Add-on) | 85 - 90% | 0 - 5% | 0 - 5% | £0 - 500 |
| Watford Insurance Company Europe Limited | Home - (buildings and contents combined) (All) | 75 - 80% | 0 - 5% | 5 - 10% | £2500 - 3000 |
| Watford Insurance Company Europe Limited | Personal accident (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% | £500 - 1000 |
| West Bay Insurance Plc | Excess protection (for motor insurance) (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £0 - 500 |
| West Bay Insurance Plc | Gadget (including mobile phone) (Add-on) | 90 - 95% | 5 - 10% | 10 - 15% | £0 - 500 |
| West Bay Insurance Plc | Home - (buildings and contents combined) (All) | 85 - 90% | 0 - 5% | 5 - 10% | £1500 - 2000 |
| West Bay Insurance Plc | Home - buildings only (All) | 85 - 90% | 0 - 5% | 10 - 15% | £1000 - 1500 |
| West Bay Insurance Plc | Home - contents only (All) | 90 - 95% | 0 - 5% | 10 - 15% | £500 - 1000 |
| West Bay Insurance Plc | Motor (All) | 95 - 100% | 0 - 5% | 5 - 10% | £3500 - 4000 |
| West Bay Insurance Plc | Motor cycle (All) | 95 - 100% | 0 - 5% | 15 - 20% | £13000 - 13500 |
| West Bay Insurance Plc | Personal accident (Add-on) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| West Bay Insurance Plc | Pet - covered for life (All) | 90 - 95% | 15 - 20% | 0 - 5% | £0 - 500 |
| West Bay Insurance Plc | Pet - maximum benefit (All) | 95 - 100% | 30 - 35% | 0 - 5% | £0 - 500 |
| West Bay Insurance Plc | Pet - time limited (All) | 85 - 90% | 10 - 15% | 0 - 5% | £0 - 500 |
| Westfield Contributory Health Scheme | Dental insurance (All) | 90 - 95% | 35 - 40% | 0 - 5% | £0 - 500 |
| Westfield Contributory Health Scheme | Healthcare cash plan (All) | 90 - 95% | 95 - 100% | 0 - 5% | £0 - 500 |
| White Horse Insurance Ireland dac | Travel - annual worldwide (All) | 80 - 85% | 0 - 5% | 0 - 5% | £0 - 500 |
| Yoga Insurance Services Limited | Motor (All) | 95 - 100% | 5 - 10% | 0 - 5% | £500 - 1000 |
| Zurich Insurance PLC | Excess protection (for motor insurance) (Stand-alone) | 95 - 100% | 0 - 5% | 0 - 5% | £500 - 1000 |
| Zurich Insurance PLC | Home - (buildings and contents combined) (All) | 90 - 95% | 0 - 5% | 0 - 5% | £6000 - 6500 |
| Zurich Insurance PLC | Home - buildings only (All) | 85 - 90% | 0 - 5% | 5 - 10% | £8500 - 9000 |
| Zurich Insurance PLC | Home - contents only (All) | 95 - 100% | 0 - 5% | 5 - 10% | £2000 - 2500 |
| Zurich Insurance PLC | Motor (All) | 95 - 100% | 0 - 5% | 0 - 5% | £2500 - 3000 |
| Zurich Insurance PLC | Vehicle breakdown (Add-on) | 90 - 95% | 0 - 5% | 0 - 5% |
: System update No content change