https://www.postonline.co.uk/feeds/rss/category/regulation en Howden UK & Ireland CEO Robert Kennedy has told Insurance Post he believes regulation has “gone too far” in certain places, and could be stifling innovation. https://www.postonline.co.uk/regulation/7959563/howdens-kennedy-says-regulation-may-have-gone-too-far https://www.postonline.co.uk/regulation/7959563/howdens-kennedy-says-regulation-may-have-gone-too-far Mon, 05 Jan 2026 12:00:00 +0000 Tom Luckham Editor’s View: Emma Ann Hughes argues the Financial Conduct Authority can either continue to defend its frameworks after Which?’s super-complaint or accept that collecting data is meaningless unless it triggers earlier, tougher and more visible intervention against providers that repeatedly fail policyholders. https://www.postonline.co.uk/personal/7959571/why-cant-the-fca-see-and-act-on-the-full-claims-picture https://www.postonline.co.uk/personal/7959571/why-cant-the-fca-see-and-act-on-the-full-claims-picture Fri, 02 Jan 2026 06:00:00 +0000 Emma Ann Hughes Insurance Post reveals the four main challenges general insurers face in 2026 and the solutions experts from EY, the International Underwriting Association, AM Best, Moody’s, S&P, KPMG, Pathlight Associates and Sicsic Advisory say will matter most in the year ahead. https://www.postonline.co.uk/regulation/7959494/four-biggest-challenges-facing-insurers-in-2026-revealed https://www.postonline.co.uk/regulation/7959494/four-biggest-challenges-facing-insurers-in-2026-revealed Fri, 02 Jan 2026 06:00:00 +0000 Emma Ann Hughes As regulatory demands tighten across the FCA and Lloyd’s, Loka Venkatramana, senior consultant at Pathlight Associates, warns insurers must adapt with data-driven, outcome-focused compliance or risk being left behind. https://www.postonline.co.uk/regulation/7959505/why-insurers-cant-afford-to-sleepwalk-into-the-next-regulatory-wave https://www.postonline.co.uk/regulation/7959505/why-insurers-cant-afford-to-sleepwalk-into-the-next-regulatory-wave Tue, 30 Dec 2025 06:00:00 +0000 Insurance Post Staff Rocio Concha, director of policy and advocacy at Which?, explains why the Financial Conduct Authority’s agreement with its super-complaint marks a critical moment for home and travel insurance, and why swift regulatory action is now essential to improve consumer outcomes. https://www.postonline.co.uk/regulation/7959579/why-whichs-super-complaint-is-a-turning-point-for-insurance https://www.postonline.co.uk/regulation/7959579/why-whichs-super-complaint-is-a-turning-point-for-insurance Wed, 24 Dec 2025 06:00:00 +0000 Insurance Post Staff Following the Which? super complaint, the Financial Conduct Authority has told Axa Partners UK it cannot grow its current customer base without written permission from the regulator. https://www.postonline.co.uk/personal/7959576/axa-partners-hit-with-FCA-limitations https://www.postonline.co.uk/personal/7959576/axa-partners-hit-with-FCA-limitations Mon, 22 Dec 2025 10:54:54 +0000 Tom Luckham The Financial Conduct Authority has pushed back against parts of Which?’s super complaint about home and travel insurance, but accepted there are clear weaknesses in the market that require further regulatory action. https://www.postonline.co.uk/news/7959566/fca-partly-rebuffs-which-but-widens-insurance-crackdown https://www.postonline.co.uk/news/7959566/fca-partly-rebuffs-which-but-widens-insurance-crackdown Thu, 18 Dec 2025 11:00:00 +0000 Emma Ann Hughes Deputy Editor’s View: Scott McGee observes the Labour government’s motor insurance taskforce report felt more like a victory for industry lobbying than for politicians or drivers. https://www.postonline.co.uk/personal/7959555/motor-insurance-taskforce-report-proves-providers-call-the-shots https://www.postonline.co.uk/personal/7959555/motor-insurance-taskforce-report-proves-providers-call-the-shots Wed, 17 Dec 2025 10:54:28 +0000 Scott McGee The Financial Conduct Authority has issued final guidance setting out how insurers must address bullying, harassment and violence, after 95% of consultation respondents called for further clarification. https://www.postonline.co.uk/news/7959541/fca-tries-to-clarify-bullying-and-harassment-standards-for-insurers https://www.postonline.co.uk/news/7959541/fca-tries-to-clarify-bullying-and-harassment-standards-for-insurers Fri, 12 Dec 2025 14:45:48 +0000 Emma Ann Hughes The findings of the government’s Motor Insurance Taskforce have been published today (10 December), outlining its suggestions on how to bring motor premiums down. https://www.postonline.co.uk/news/7959532/government-admits-motor-taskforce-suggestions-unlikely-to-reduce-premiums https://www.postonline.co.uk/news/7959532/government-admits-motor-taskforce-suggestions-unlikely-to-reduce-premiums Wed, 10 Dec 2025 13:01:13 +0000 Tom Luckham The Financial Conduct Authority today (9 December) confirmed plans to simplify its insurance rules, but industry reaction suggests the changes don’t go far or fast enough. https://www.postonline.co.uk/news/7959526/fca-trims-insurance-rules-but-pace-criticised-by-market https://www.postonline.co.uk/news/7959526/fca-trims-insurance-rules-but-pace-criticised-by-market Tue, 09 Dec 2025 11:11:29 +0000 Scott McGee Trade Voice: Chris Bose, director of general insurance and international at the Association of British Insurers, responds to concerns raised by Which? and sets out why practical, proportionate reforms are essential to strengthen trust in the market. https://www.postonline.co.uk/personal/7959518/abi-says-whichs-complaint-evidence-doesnt-reflect-reality https://www.postonline.co.uk/personal/7959518/abi-says-whichs-complaint-evidence-doesnt-reflect-reality Tue, 09 Dec 2025 06:00:00 +0000 Insurance Post Staff A package of measures aimed at accelerating the growth of the UK’s mutuals sector has been unveiled by the Financial Conduct Authority and Prudential Regulation Authority. https://www.postonline.co.uk/regulation/7959501/regulators-outline-plans-to-grow-uk-mutuals-sector https://www.postonline.co.uk/regulation/7959501/regulators-outline-plans-to-grow-uk-mutuals-sector Fri, 05 Dec 2025 09:30:00 +0000 Emma Ann Hughes The Financial Conduct Authority has introduced the requirement for firms to report complaints involving customers in vulnerable circumstances. https://www.postonline.co.uk/regulation/7959489/fca-mandates-vulnerable-customer-complaint-reporting https://www.postonline.co.uk/regulation/7959489/fca-mandates-vulnerable-customer-complaint-reporting Wed, 03 Dec 2025 17:33:22 +0000 Damisola Sulaiman At a recent Insurance Post roundtable in partnership with CRIF, leading insurers and ESG specialists explored how the industry is translating sustainability goals into measurable progress – and what it will take to keep that momentum in tougher times. https://www.postonline.co.uk/market-access/7959464/esg-that-stands-up-in-tougher-times https://www.postonline.co.uk/market-access/7959464/esg-that-stands-up-in-tougher-times Wed, 03 Dec 2025 09:00:00 +0000 Insurance Post Staff The Financial Conduct Authority has published a consultation for environmental, social and governance ratings, which is estimated to deliver £500m in net benefits over the next decade. https://www.postonline.co.uk/regulation/7959471/fca-proposes-esg-ratings-overhaul-worth-ps500m https://www.postonline.co.uk/regulation/7959471/fca-proposes-esg-ratings-overhaul-worth-ps500m Mon, 01 Dec 2025 12:00:00 +0000 Damisola Sulaiman Insurers are under growing regulatory pressure to treat non-financial misconduct as a core conduct risk, according to Loka Venkatramana from Pathlight Associates, who says they should use cultural and behavioural data with the same rigour as financial metrics to identify and address problems before they damage customers, staff or the market. https://www.postonline.co.uk/regulation/7959413/hidden-risks-in-insurers-culture-and-misconduct-data https://www.postonline.co.uk/regulation/7959413/hidden-risks-in-insurers-culture-and-misconduct-data Thu, 27 Nov 2025 06:00:00 +0000 Insurance Post Staff Rocio Concha, director of policy and advocacy at Which?, explains why the consumer watchdog launched an insurance super-complaint in response to persistent failures in claims handling and inadequate regulatory action and argues the system meant to protect customers urgently needs reform. https://www.postonline.co.uk/regulation/7959412/why-which-submitted-an-insurance-super-complaint https://www.postonline.co.uk/regulation/7959412/why-which-submitted-an-insurance-super-complaint Tue, 25 Nov 2025 06:00:00 +0000 Insurance Post Staff Sheldon Mills, executive director of consumers and competition at the Financial Conduct Authority, is set to leave the City watchdog. https://www.postonline.co.uk/regulation/7959434/fcas-sheldon-mills-to-exit-regulator https://www.postonline.co.uk/regulation/7959434/fcas-sheldon-mills-to-exit-regulator Mon, 24 Nov 2025 09:43:25 +0000 Emma Ann Hughes The government must embed insurers at the heart of national resilience planning and involve the sector at the earliest stage of major policy decisions, Association of British Insurers director general Hannah Gurga told industry leaders. https://www.postonline.co.uk/regulation/7959394/abi-urges-mps-to-hardwire-insurance-into-national-resilience https://www.postonline.co.uk/regulation/7959394/abi-urges-mps-to-hardwire-insurance-into-national-resilience Fri, 14 Nov 2025 09:11:31 +0000 Emma Ann Hughes Post understands the Financial Conduct Authority is aiming to publish proposals for simplified rules for commercial and bespoke insurance products before the end of the year. https://www.postonline.co.uk/regulation/7959372/proposals-for-simplified-fca-commercial-and-bespoke-rules-imminent https://www.postonline.co.uk/regulation/7959372/proposals-for-simplified-fca-commercial-and-bespoke-rules-imminent Thu, 13 Nov 2025 11:30:00 +0000 Harry Curtis Pet insurance is a growing part of the non-life market, but inconsistent Solvency II classifications mean identical risks can attract very different capital requirements – a disparity that Catherine Drummond, partner at LCP, warns could shape competitiveness as the sector expands. https://www.postonline.co.uk/personal/7959122/solvency-ii-inconsistencies-put-pet-insurance-on-uneven-footing https://www.postonline.co.uk/personal/7959122/solvency-ii-inconsistencies-put-pet-insurance-on-uneven-footing Wed, 12 Nov 2025 06:00:00 +0000 Insurance Post Staff The regulatory timeframe is the “biggest challenge” for insurance startups, according to PwC partner and InsurStart chairperson Hannah Vaughan. https://www.postonline.co.uk/regulation/7959343/regulatory-timeframe-biggest-challenge-for-insurance-startups https://www.postonline.co.uk/regulation/7959343/regulatory-timeframe-biggest-challenge-for-insurance-startups Fri, 07 Nov 2025 11:32:18 +0000 Damisola Sulaiman Rising protectionism is threatening to reverse years of global insurance market integration and increase costs for international carriers, AM Best has warned. https://www.postonline.co.uk/news/7959340/am-best-warns-protectionism-is-fragmenting-insurance-market https://www.postonline.co.uk/news/7959340/am-best-warns-protectionism-is-fragmenting-insurance-market Thu, 06 Nov 2025 15:14:29 +0000 Emma Ann Hughes Editor’s View: It’s that spine-tingling time of year again, when the nights draw in, shadows lengthen across Leadenhall Market, and Emma Ann Hughes shares scary stories about insurance. https://www.postonline.co.uk/regulation/7959179/halloween-horror-stories-haunting-insurers https://www.postonline.co.uk/regulation/7959179/halloween-horror-stories-haunting-insurers Fri, 31 Oct 2025 06:00:00 +0000 Emma Ann Hughes The government has this week launched a post-implementation review of the Whiplash Reform Programme. https://www.postonline.co.uk/news/7959297/government-launches-review-into-whiplash-reforms https://www.postonline.co.uk/news/7959297/government-launches-review-into-whiplash-reforms Thu, 30 Oct 2025 12:11:33 +0000 Scott McGee Alex Harding, associate partner at 4most, explains how regulatory oversight of model risk management may soon extend to insurance and shares how to future-proof frameworks. https://www.postonline.co.uk/risk-management/7958994/growing-regulatory-spotlight-on-model-risk-management https://www.postonline.co.uk/risk-management/7958994/growing-regulatory-spotlight-on-model-risk-management Wed, 29 Oct 2025 06:00:00 +0000 Insurance Post Staff Financial Conduct Authority CEO Nikhil Rathi has warned of mass underinsurance against catastrophe and hostile cyber threats, highlighting the wide-ranging economic impact of such attacks. https://www.postonline.co.uk/regulation/7959264/fca-ceo-warns-uk-%E2%80%98massively-under-insuring%E2%80%99-against-cyber-threats https://www.postonline.co.uk/regulation/7959264/fca-ceo-warns-uk-%E2%80%98massively-under-insuring%E2%80%99-against-cyber-threats Wed, 22 Oct 2025 21:00:00 +0100 Tom Luckham From toxic behaviour to weak reporting systems, Rob Mason, director of regulatory intelligence at Global Relay, explains why insurers must get serious about embedding accountability and confronting misconduct head-on. https://www.postonline.co.uk/regulation/7958979/culture-clash-tackling-non-financial-misconduct-in-insurance https://www.postonline.co.uk/regulation/7958979/culture-clash-tackling-non-financial-misconduct-in-insurance Wed, 22 Oct 2025 06:00:00 +0100 Insurance Post Staff A recent ruling at the High Court could give the legal and insurance industries another headache to worry about. https://www.postonline.co.uk/regulation/7959211/mazur-ruling-a-seismic-shift-for-insurance https://www.postonline.co.uk/regulation/7959211/mazur-ruling-a-seismic-shift-for-insurance Tue, 21 Oct 2025 10:45:51 +0100 Scott McGee The Prudential Regulation Authority is tightening expectations on how banks and insurers manage climate risk, which Laurence Besemer, CEO of the Forum of Insurance Lawyers, claims will reshape what they demand from their legal advisers. https://www.postonline.co.uk/regulation/7959115/banks-insurers-and-their-lawyers-face-climate-reckoning https://www.postonline.co.uk/regulation/7959115/banks-insurers-and-their-lawyers-face-climate-reckoning Tue, 21 Oct 2025 06:00:00 +0100 Insurance Post Staff The latest Financial Conduct Authority data for fair value measures has shown that, following regulator intervention, more money is being paid out in Guaranteed Asset Protection insurance claims than is coming in through premiums. https://www.postonline.co.uk/news/7959226/fca-reveals-pendulum-swing-in-gap-payouts https://www.postonline.co.uk/news/7959226/fca-reveals-pendulum-swing-in-gap-payouts Fri, 17 Oct 2025 12:13:29 +0100 Scott McGee Editor’s View: While the Financial Conduct Authority currently believes only motor finance commission arrangements warrant a compensation scheme, Emma Ann Hughes warns similar payment practices in general insurance could soon face greater scrutiny. https://www.postonline.co.uk/regulation/7959217/commission-clarity-shouldn%E2%80%99t-stop-at-motor-finance https://www.postonline.co.uk/regulation/7959217/commission-clarity-shouldn%E2%80%99t-stop-at-motor-finance Fri, 17 Oct 2025 06:00:00 +0100 Emma Ann Hughes Insurance Post’s Throwback Thursday steps back in time to October 1990 to remind you what was going on this week in insurance history when the European Commission was reshaping insurance. https://www.postonline.co.uk/regulation/7956772/throwback-thursday-eu-shapes-insurance-allied-dunbar%E2%80%99s-ambition https://www.postonline.co.uk/regulation/7956772/throwback-thursday-eu-shapes-insurance-allied-dunbar%E2%80%99s-ambition Thu, 16 Oct 2025 06:00:00 +0100 Insurance Post Staff The Competition and Markets Authority has today (15 October) published its provisional decision in its market investigation into veterinary services for household pets in the UK. https://www.postonline.co.uk/news/7959218/watchdog-outlines-vet-reforms-that-could-cut-pet-insurance-costs https://www.postonline.co.uk/news/7959218/watchdog-outlines-vet-reforms-that-could-cut-pet-insurance-costs Wed, 15 Oct 2025 12:01:42 +0100 Scott McGee How has business interruption insurance changed since the pandemic – and whether the lessons of Covid-19 are really being applied today – is the focus of the latest Insurance Post Podcast. https://www.postonline.co.uk/commercial/7959040/business-interruption-insurance-after-covid-19 https://www.postonline.co.uk/commercial/7959040/business-interruption-insurance-after-covid-19 Wed, 15 Oct 2025 06:00:00 +0100 Emma Ann Hughes Insurance Post is inviting ESG and sustainability leads at insurance companies to take part in a short survey examining how US President Donald Trump’s approach to climate and energy policy has influenced Net Zero strategies over the last year. https://www.postonline.co.uk/news/7959181/how-has-trump%E2%80%99s-approach-impacted-net-zero-plans https://www.postonline.co.uk/news/7959181/how-has-trump%E2%80%99s-approach-impacted-net-zero-plans Tue, 14 Oct 2025 11:00:00 +0100 Insurance Post Staff The Financial Conduct Authority’s new non-financial misconduct rules make culture and conduct a core compliance issue for insurers, which Sarah Ouarbya, partner for risk and regulatory consulting at Forvis Mazars, argues will reshape expectations of leadership, governance, and accountability. https://www.postonline.co.uk/regulation/7959116/culture-and-conduct-now-define-leadership-in-insurance https://www.postonline.co.uk/regulation/7959116/culture-and-conduct-now-define-leadership-in-insurance Tue, 14 Oct 2025 06:00:00 +0100 Insurance Post Staff The Financial Conduct Authority has said it has already done an “awful lot” of insurance work, in response questions about the Which? super complaint. https://www.postonline.co.uk/regulation/7959200/fca-defends-%E2%80%98awful-lot%E2%80%99-of-work-done-amid-which-super-complaint https://www.postonline.co.uk/regulation/7959200/fca-defends-%E2%80%98awful-lot%E2%80%99-of-work-done-amid-which-super-complaint Mon, 13 Oct 2025 09:52:25 +0100 Damisola Sulaiman Deputy Editor’s View: Amid global volatility and shifting pressures, Scott McGee questions whether the motor insurance market ever stood a chance at consistently pricing policies and posting a profit. https://www.postonline.co.uk/people/7959193/why-volatility-keeps-tripping-up-motor-insurers https://www.postonline.co.uk/people/7959193/why-volatility-keeps-tripping-up-motor-insurers Fri, 10 Oct 2025 06:00:00 +0100 Scott McGee The Financial Conduct Authority has called for firms and individuals to “not rush to judgement” on its motor finance compensation scheme. https://www.postonline.co.uk/regulation/7959197/fca-warns-against-snap-judgments-on-motor-finance-redress-scheme https://www.postonline.co.uk/regulation/7959197/fca-warns-against-snap-judgments-on-motor-finance-redress-scheme Thu, 09 Oct 2025 17:21:18 +0100 Damisola Sulaiman Motor insurance continues to be the most complained about product in UKGI, according to an exclusive analysis of Financial Ombudsman Service (FOS) complaints data by market intelligence firm Insurance DataLab. https://www.postonline.co.uk/regulation/7958936/motor-insurers-pay-out-%C2%A3885m-in-redress-but-complaints-begin-to-ease https://www.postonline.co.uk/regulation/7958936/motor-insurers-pay-out-%C2%A3885m-in-redress-but-complaints-begin-to-ease Tue, 07 Oct 2025 06:00:00 +0100 Insurance Post Staff The Financial Conduct Authority, Solicitors Regulation Authority, Information Commissioner’s Office and the Advertising Standards Authority plan to tackle misleading advertising and information about motor finance claims. https://www.postonline.co.uk/news/7959177/regulators-to-tackle-motor-claims-management-practices https://www.postonline.co.uk/news/7959177/regulators-to-tackle-motor-claims-management-practices Mon, 06 Oct 2025 12:06:13 +0100 Emma Ann Hughes Fairer Finance has accused pet insurers of adding “deceptive” inner limits to policies marketed as comprehensive, which could leave owners facing thousands of pounds in unexpected vet bills. https://www.postonline.co.uk/news/7959176/fairer-finance-demands-fca-probe-into-pet-cover-limits https://www.postonline.co.uk/news/7959176/fairer-finance-demands-fca-probe-into-pet-cover-limits Mon, 06 Oct 2025 11:52:08 +0100 Emma Ann Hughes 2025 could see the lowest total value of fines issued by the Financial Conduct Authority in the regulator’s history, according to analysis by compliance and regtech platform Hackford. https://www.postonline.co.uk/regulation/7958086/fca-fines-set-to-hit-record-low https://www.postonline.co.uk/regulation/7958086/fca-fines-set-to-hit-record-low Mon, 06 Oct 2025 10:55:10 +0100 Emma Ann Hughes As the UK government revives electric vehicle purchase grants and confirms new investment in the charging infrastructure, David Humphreys from LexisNexis Risk Solutions says the insurance sector still faces the challenge of accurately pricing and underwriting EVs, largely due to a lack of claims history data. https://www.postonline.co.uk/regulation/7958938/ev-pricing-woes-continue https://www.postonline.co.uk/regulation/7958938/ev-pricing-woes-continue Mon, 06 Oct 2025 06:00:00 +0100 Insurance Post Staff Nick Copley, head of claims for Alps, reviews the recent ruling that puts the cost of unsuccessful litigation in credit hire claims on the claims management companies. https://www.postonline.co.uk/regulation/7958318/the-credit-hire-ruling-%E2%80%93-why-it-matters https://www.postonline.co.uk/regulation/7958318/the-credit-hire-ruling-%E2%80%93-why-it-matters Mon, 06 Oct 2025 06:00:00 +0100 Insurance Post Staff With more than 400 factors now shaping premiums, James Daley, managing director of the research and consultancy group Fairer Finance, argues insurance pricing has become ever more complex and is increasingly unfair for consumers. https://www.postonline.co.uk/personal/7958970/from-risk-to-resentment-why-insurance-pricing-needs-fixing https://www.postonline.co.uk/personal/7958970/from-risk-to-resentment-why-insurance-pricing-needs-fixing Tue, 30 Sep 2025 06:00:00 +0100 James Daley Content Director’s View: On the back of the Which? super complaint relating to travel and home insurance, content director Jonathan Swift mulls what the potential outcomes might be and whether it will have as wide an impact as the dual pricing intervention did? https://www.postonline.co.uk/personal/7959088/should-insurers-fear-which-super-complaint https://www.postonline.co.uk/personal/7959088/should-insurers-fear-which-super-complaint Fri, 26 Sep 2025 06:00:00 +0100 Jonathan Swift The latest episode of the Insurance Post Podcast tackles the growing risks and insurance challenges posed by lithium-ion batteries. https://www.postonline.co.uk/regulation/7959010/sparking-debate-lithium-ion-risks https://www.postonline.co.uk/regulation/7959010/sparking-debate-lithium-ion-risks Wed, 24 Sep 2025 06:00:00 +0100 Emma Ann Hughes