The FCA’s 2025 value measures data covers 57 home insurers. 7 of them (Accelerant Insurance, BEAZLEY FURLONGE, Brit Syndicates, Hiscox, Movo Partnership, Munich Re Syndicate and 1 others) sit in the highest claims acceptance band reported, 95 to 100%, while the lowest band reported was 0 to 5%. The table ranks every reporting insurer on the regulator’s own bands.
TL;DR · LAST REVIEWED 07 September 2026
- The FCA publishes claims acceptance, frequency, payout and complaints bands for every home insurer with over 3,000 policies; the table ranks all 57.
- Acceptance bands run from 0 to 5% to 95 to 100%; read them with complaints per claim, not alone.
- Price is not in the data and does not track with it; shortlist on claims record, then compare quotes and terms.
- Declined claim: written reasons, insurer complaint, then the Financial Ombudsman Service, free of charge.
KEY FACTS
- 57 home insurers reported 2025 FCA value measures data for home insurance
- Claims acceptance bands: 0 to 5% (lowest reported) to 95 to 100% (7 insurers in the top band)
- Data covers calendar year 2025, published July 2026
- Lowest complaints band: Accelerant Insurance at 0 to 5%
- Data: FCA General Insurance Value Measures 2025 (firm-level), published 21 July 2026
How UK home insurance providers compare on FCA claims data, 2025
The Financial Conduct Authority requires every insurer with more than 3,000 policies and 400,000 pounds of premium in a product to report four value measures each year: the share of claims accepted, how often policyholders claim, the average amount paid on an accepted claim, and complaints about claims as a share of claims made. The 2025 figures were published in July 2026. This is the only like-for-like, regulator-collected comparison of home insurance providers that exists, and it is what the table below is built from. The FCA publishes firm-level figures as bands rather than exact percentages, so the table shows the bands exactly as reported, ranked by acceptance band and then by complaints band.
| # | Insurer | Claims accepted | Claims frequency | Average payout | Complaints per claim |
|---|---|---|---|---|---|
| 1 | Accelerant Insurance | 95 to 100% | 0 to 5% | £4500 to 5000 | 0 to 5% |
| 2 | BEAZLEY FURLONGE | 95 to 100% | 0 to 5% | £11000 to 11500 | 0 to 5% |
| 3 | Brit Syndicates | 95 to 100% | 5 to 10% | £24000 to 24500 | 0 to 5% |
| 4 | Hiscox | 95 to 100% | 5 to 10% | £30000 to 30500 | 0 to 5% |
| 5 | Movo Partnership | 95 to 100% | 5 to 10% | £3000 to 3500 | 0 to 5% |
| 6 | Munich Re Syndicate | 95 to 100% | 5 to 10% | £12000 to 12500 | 0 to 5% |
| 7 | AmTrust Specialty | 95 to 100% | 0 to 5% | £4000 to 4500 | 10 to 15% |
| 8 | CORNISH MUTUAL ASSURANCE,LIMITED | 90 to 95% | 0 to 5% | £5000 to 5500 | 0 to 5% |
| 9 | HCC International | 90 to 95% | 20 to 25% | £3500 to 4000 | 0 to 5% |
| 10 | HDI Global Specialty SE | 90 to 95% | 0 to 5% | £11000 to 11500 | 0 to 5% |
| 11 | Zurich | 90 to 95% | 5 to 10% | £3000 to 3500 | 0 to 5% |
| 12 | ECCLESIASTICAL INSURANCE OFFICE PUBLIC | 90 to 95% | 5 to 10% | £17000 to 17500 | 5 to 10% |
| 13 | Accelerant Insurance SA/NV Branch | 90 to 95% | 0 to 5% | £6000 to 6500 | 10 to 15% |
| 14 | Arkel | 90 to 95% | 0 to 5% | £3500 to 4000 | 15 to 20% |
| 15 | China Taiping Insurance (UK) Co | 85 to 90% | 0 to 5% | £2000 to 2500 | 0 to 5% |
| 16 | Chubb European Group SE | 85 to 90% | 5 to 10% | £65500 to 66000 | 0 to 5% |
| 17 | Geo Underwriting Services | 85 to 90% | 0 to 5% | £17000 to 17500 | 0 to 5% |
| 18 | SiriusPoint International Insurance Corporation | 85 to 90% | 0 to 5% | £4500 to 5000 | 0 to 5% |
| 19 | NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY(THE) | 85 to 90% | 5 to 10% | £12000 to 12500 | 5 to 10% |
| 20 | SCOR Managing Agency | 85 to 90% | 0 to 5% | £2500 to 3000 | 5 to 10% |
| 21 | Plum Underwriting | 85 to 90% | 0 to 5% | £11000 to 11500 | 15 to 20% |
| 22 | SALVATION ARMY GENERAL INSURANCE CORPORATION(THE) | 80 to 85% | 0 to 5% | £6000 to 6500 | 0 to 5% |
| 23 | Covea Insurance | 80 to 85% | 0 to 5% | £15500 to 16000 | 5 to 10% |
| 24 | Tesco Underwriting | 80 to 85% | 0 to 5% | £6500 to 7000 | 5 to 10% |
| 25 | First Central Insurance Management | 80 to 85% | 0 to 5% | £4000 to 4500 | 10 to 15% |
| 26 | AXA Insurance Designated Activity | 80 to 85% | 0 to 5% | £9500 to 10000 | 20 to 25% |
| 27 | Lares Services | 75 to 80% | 0 to 5% | £1500 to 2000 | 0 to 5% |
| 28 | Ageas Insurance | 75 to 80% | 0 to 5% | £10500 to 11000 | 10 to 15% |
| 29 | Canopius Managing Agents | 75 to 80% | 0 to 5% | £6000 to 6500 | 10 to 15% |
| 30 | Great Lakes Insurance | 75 to 80% | 0 to 5% | £6000 to 6500 | 10 to 15% |
| 31 | Haven | 75 to 80% | 5 to 10% | £7000 to 7500 | 10 to 15% |
| 32 | Neos Ventures | 75 to 80% | 0 to 5% | £3000 to 3500 | 10 to 15% |
| 33 | AXA Insurance | 75 to 80% | 0 to 5% | £8000 to 8500 | 20 to 25% |
| 34 | Acromas | 70 to 75% | 0 to 5% | £6500 to 7000 | 0 to 5% |
| 35 | Gresham | 70 to 75% | 5 to 10% | £4500 to 5000 | 5 to 10% |
| 36 | Advantage | 70 to 75% | 0 to 5% | £6000 to 6500 | 10 to 15% |
| 37 | Aviva Insurance | 70 to 75% | 5 to 10% | £5000 to 5500 | 10 to 15% |
| 38 | Wakam | 70 to 75% | 0 to 5% | £14000 to 14500 | 10 to 15% |
| 39 | Frontier Insurance Solutions | 70 to 75% | 0 to 5% | £17500 to 18000 | 15 to 20% |
| 40 | U K Insurance | 70 to 75% | 0 to 5% | £6000 to 6500 | 15 to 20% |
| 41 | The New India Assurance | 70 to 75% | 10 to 15% | £6000 to 6500 | 20 to 25% |
| 42 | One Click Cover | 65 to 70% | 0 to 5% | £5500 to 6000 | 0 to 5% |
| 43 | Highway | 65 to 70% | 0 to 5% | £5000 to 5500 | 5 to 10% |
| 44 | Integra Insurance Solutions | 65 to 70% | 0 to 5% | £9000 to 9500 | 5 to 10% |
| 45 | EUI | 65 to 70% | 0 to 5% | £4000 to 4500 | 10 to 15% |
| 46 | INTACT INSURANCE | 65 to 70% | 0 to 5% | £12000 to 12500 | 20 to 25% |
| 47 | Lemonade Insurance N.V | 60 to 65% | 0 to 5% | £6000 to 6500 | 0 to 5% |
| 48 | Accredited Insurance (Europe) | 60 to 65% | 0 to 5% | £4000 to 4500 | 5 to 10% |
| 49 | Liverpool Victoria | 60 to 65% | 0 to 5% | £3000 to 3500 | 5 to 10% |
| 50 | Lloyds Bank General Insurance | 60 to 65% | 0 to 5% | £8000 to 8500 | 10 to 15% |
| 51 | Tradex | 60 to 65% | 0 to 5% | £7500 to 8000 | 10 to 15% |
| 52 | esure Insurance | 60 to 65% | 0 to 5% | £7500 to 8000 | 10 to 15% |
| 53 | AA Underwriting | 55 to 60% | 0 to 5% | £7500 to 8000 | 10 to 15% |
| 54 | Utility Warehouse | 50 to 55% | 0 to 5% | £6000 to 6500 | 10 to 15% |
| 55 | Watford | 50 to 55% | 0 to 5% | £13500 to 14000 | 25 to 30% |
| 56 | Casualty & General (Europe) | 45 to 50% | 0 to 5% | £0 to 500 | 0 to 5% |
| 57 | Kingfisher Insurance Services | 0 to 5% | 0 to 5% | £0 to 500 | 0 to 5% |
Products reported: Home - (buildings and contents combined) (All). Where an insurer reports more than one variant, the main product variant is shown. Figures are calendar year 2025 and describe what happened to existing customers; they are not a prediction of how any policy sold today will perform.
Reading the four measures together
Claims acceptance is the share of registered claims that were paid in full or in part. A high figure means few claims were declined, but it says nothing about how much was paid. Claims frequency is claims per 100 policies; a low figure can mean a healthy book or a policy that customers find hard to claim on. Average payout shows the typical settlement; for home insurance it is shaped by the cover limits and excesses in the book as much as by the insurer. Complaints per claim is the sharpest signal of how claims handling felt to customers. The FCA itself cautions that no single measure should be read in isolation, and that business mix, product age and target market all move these numbers.
What drives the price of home insurance
Price is not in the FCA data, and the two do not move together: some of the cheapest policies sit mid-table on acceptance, some of the most expensive at the bottom. The main pricing factors for home insurance are rebuild cost, contents value, postcode flood and crime risk, property age and construction, security, claims history and the excess chosen. Quotes for the same person can vary by a factor of two or more between insurers because each weights these factors differently, which is why the regulator’s claims data is worth reading alongside price rather than instead of it.
What to check in a home insurance policy before the price
The measures above describe outcomes, and outcomes come from policy terms. Before comparing premiums, read the rebuild sum insured (not market value), contents single item limits, accidental damage as standard or add-on, escape of water excess (often higher), and whether alternative accommodation is included. These terms explain most of the gap between the insurers at the top and bottom of the table: a policy that is easy to claim on will show higher acceptance and lower complaints, whatever it costs.
Making a claim and what to do if it is declined
Report the incident within the policy’s notification window, keep receipts and evidence, and answer the insurer’s questions in writing where possible. If a claim is declined or the settlement is lower than expected, ask for the decision in writing with the policy clause relied on, then complain to the insurer, which has eight weeks to give a final response. After that, or if the response is unsatisfactory, the Financial Ombudsman Service investigates free of charge and its decisions bind the insurer. In 2025 the Ombudsman upheld a substantial share of general insurance complaints, and the FCA’s Consumer Duty requires insurers to handle claims fairly and promptly, which is the standard to hold them to.
How to use this data with Kael Tripton’s guides
This page is an independent editorial ranking of regulator data. Kael Tripton takes no commission on FCA-regulated products, runs no quote line and does not recommend a provider. Use the table to shortlist insurers whose claims record you are comfortable with, then obtain quotes directly or through a broker, and compare the policy terms above line by line. The home insurance hub holds the related guides on cover types, exclusions and claims.
RELATED GUIDES
DISCLAIMER
FCA value measures describe 2025 outcomes for existing customers and are not a prediction for any policy sold today. Information only, not advice; Kael Tripton is not FCA-authorised and takes no commission on regulated products.
Frequently asked questions
Which home insurers accept the most claims?
In the FCA’s 2025 data, 7 of 57 insurers (Accelerant Insurance, BEAZLEY FURLONGE, Brit Syndicates, Hiscox, Movo Partnership, Munich Re Syndicate and 1 others) reported acceptance in the top band, 95 to 100%. The FCA publishes bands rather than exact figures.
Is this data a recommendation?
No. It is the FCA’s published record of what happened to 2025 claims. Kael Tripton does not recommend providers or take commission on FCA-regulated products.
Why is claims frequency useful?
It shows how often customers actually claim. Very low frequency can indicate a policy that is hard to claim on or that customers do not understand, which is why the FCA reads it alongside acceptance and complaints.
Where does the data come from?
Insurers report it to the FCA under its value measures rules (PS20/9). The FCA validates and publishes it annually; the 2025 figures were published on 21 July 2026.
What if my claim is declined?
Ask for the decision and policy clause in writing, complain to the insurer (eight-week deadline), then take it to the Financial Ombudsman Service, which is free and binding on the insurer.
SOURCES
- FCA: General insurance value measures data 2025 (published 21 July 2026) – accessed 07 September 2026
- FCA: GI value measures 2025, underlying data (XLSX) – accessed 07 September 2026
- FCA PS20/9: General insurance value measures reporting and publication – accessed 07 September 2026
- Financial Ombudsman Service – accessed 07 September 2026
- Association of British Insurers: industry data – accessed 07 September 2026
