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21st March 2018 – Lloyd’s Of London Makes A Loss

Lloyd’s of London insurance marketplace revealed losses of £2 billion in 2017 against pre-tax profits of £2.1 billion in 2016.   This was the insurance market’s first loss for 6 years and includes significant losses from several natural disasters occurring in 2017.

Major incidents include wildfires in California, hurricanes in the Caribbean and Florida and earthquakes in Mexico.

5th March 2018 – Insurer AXA Agrees To Buy XL Group For £15 Billion

AXA is Europe’s second biggest insurer (market capitalisation) and has agreed to buy Bermuda-based XL Group in a deal which AXA said would create a world leader in property and casualty insurance.

AXA has reported higher than expected net 2017 profit of 6.2 billion euros for 2017.

2nd March 2018 – Nippon Life To Buy Majority Of MassMutual Japan Unit

Nipon Life Insurance to buy 85 percent of MassMutual Financial Group for nearly a billion dollars if it receives regulatory approval.   Nipon Life Insurance is Japan’s biggest private-sector life insurer.

26th February 2018 – Zurich Insurance Buys QBEs Latam Business $409 Million

Zurich has announced it will buy QBE Insurance Group’s Latin American business becoming the leading insurer in Argentina and No.3 in Ecuador, Mexico, Brazil and Colombia, according to Zurich.

22nd February 2018 – RSA Profit Better Than Expected

RSA full year operating profit for 2017 was £663 million compared to forecast £639 million.

RSA shareholders have been promised a bigger share of RSA’s success in 2018.   Higher dividends have been promised in 2018.

RSA CEO says that 2018 performance should give RSA the room to boost dividends to shareholders plus a bonus dividend.

Some downside risk was experienced in USA due to hurricanes in USA and Caribbean, and Mexican earthquakes.   RSA and the insurance market are bumping up insurance premiums to counter increased natural disaster hazard in 2018.

RSA is still vulnerable to takeover, but the improving performance and associated share price will mean any aggressive predator will now need deeper pockets.   That said an approach from a foreign company could happen based on the value of the pound, if the timing was right for the attack.

22nd January 2018 – Cost Of Motor Insurance Falls

UK fourth quarter motor insurance premiums fell according to a survey by insurance broker Willis Towers Watson.   However, annually, motor insurance premiums rose 8 percent in 2017 calendar year.

The trend is for reducing motor insurance premiums in the UK, due to a change in the way personal injury lump sum payments are calculated.   Effectively, motor insurers will pay out less for personal injury lump sum payments.

13th February 2017 – Ex-AIG CEO Admits Accounting Fraud

Maurice Greenberg admitted to his involvement in two fraudulent reinsurance deals.   Mr Greenberg will pay $9 million to the State of New York as part of the agreed settlement.   In addition, he will return the multi-million bonuses he received while the frauds were on AIG’s books.   Greenberg was asked to stand trial for the alleged accounting fraud with another AIG executive, CFO Howard Smith.   The fraud misrepresented AIG’s actual financial position.

3rd February 2017 – Motor Insurance Premiums Hit Record High In UK

According to the Association of British Insurers, car insurance premiums in the UK have reached record high of £462, on average, for comprehensive cover.   Increased cost of parts due to the fall in the value of the pound, crash-4-cash claims, increased premiums tax and increased electronic sophistication have been blamed for increase costs of claims and therefore premiums.

10th January 2017 – Royal and Sun Alliance (RSA) Fined £150,000

The fine imposed by the Information Commissioner’s Office (ICO) was for the loss of personal information of nearly 60,000 customers due to the theft of a hard drive device from an office in West Sussex including names, addresses and bank account details.   The ICO found that the RSA did not have appropriate measures in place to protect financial information from theft.   The hard drive was stolen by a member of staff or a contractor and the info wasn’t encrypted.

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