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How different delivers value

  • Investors

    Long-term record of consistent underwriting performance and dividend record.

  • Colleagues

    Enabling our people to learn, develop and progress. We employ talented people and invest in expanding their skills and helping them build rewarding careers.

  • Brokers and clients

    To ensure the best possible experiences and outcomes, we continue to monitor broker and client perceptions of our service in a variety of ways, including through detailed surveys.

  • Average for last 10 years


    Combined ratio



    Earnings per share



    Total shareholder return per annum


  • 85%

    Strong employee engagement

  • Outstanding Service Quality Marque

    For the eighth year running, we have been awarded the Outstanding Service Quality Marque 2024 for claims service by Gracechurch Consulting, the independent insurance research consultancy.