Information on motor insurance claims analysis - September 2025

Please provide answers to the below question in relation to “the FCA's 'motor insurance claims analysis, published on 22nd July at Motor insurance claims analysis | FCA[1]"

1.  Please could you disclose the number of insurance firms which you sent Annex A to.
2. In annex B, the FCA clarifies what is to be covered by ‘bodily injury claims’, which includes claims made by first parties: This relates to bodily injury claims (including from 1st parties), costs and payments to third parties, either in the insured's vehicle or in other vehicles involved, injured through the actions of the insured. Could you provide any information around why the FCA adopted a definition of bodily injury which diverges from that adopted by the ABI. The ABI definition only covers payments to third parties: ‘Bodily injury relates to payments to third parties, either in the insured's vehicle or in other vehicles involved, injured through the actions of the insured’. Payments made to first parties presumably involves payments made by the insurer to their own policy-holder. Such payments would not form part of a personal injury claim, as there is no claimant vs defendant.

Question 1

We sent Annex A to 12 firms.

Question 2

In some cases, the definitions we used for the information request were the same as the ABI use in their quarterly motor claims data collection. However, there are differences, such as for bodily injury where we intended to capture the costs from all bodily injury claims. Our definitions and templates (including the bodily injury definition we used for the information request) were tested with several firms before we launched the information request to our full sample of 12 firms.