INTACT INSURANCE UK LIMITED

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Gross written premiums

  —

  Not reported

• Net earned premiums

  -12.5%

  £3,829,000,000 → £3,350,000,000

• Profit before tax

  -23.7%

  £169,000,000 → £129,000,000

• Equity

  -3.1%

  £2,814,000,000 → £2,727,000,000

• Claims incurred

  -9.9%

  £2,302,000,000 → £2,075,000,000

• Insurance contract liabilities

  +1%

  £5,355,000,000 → £5,408,000,000

• Investment return

  +125.6%

  £125,000,000 → £282,000,000

• Employees

  -5.1%

  4,643 → 4,406

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

1. INTACT INSURANCE UK LIMITED 2025-08-19 → present
2. ROYAL & SUN ALLIANCE INSURANCE LIMITED 2021-06-02 → 2025-08-19
3. ROYAL & SUN ALLIANCE INSURANCE PLC 1997-11-01 → 2021-06-02
4. ROYAL INSURANCE PUBLIC LIMITED COMPANY 1907-06-19 → 1997-11-01

Accounting basis

IFRS

Reporting scope

Standalone (parent only)

Auditor

Ernst & Young LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The financial statements have been prepared on a going concern basis. In adopting the going concern basis, the Board have reviewed the Company's ongoing commitments over the next twelve months. The Board's assessment included review of the Company's strategic plans and latest forecasts, capital position, and liquidity including on demand capital funding arrangements with Intact. The risk profile, both current and emerging, has been considered, as well as the implications for capital. These assessments include sensitivity analysis and stress testing and scenario analysis on forward-looking capital projections, assessing a combined 1-in-10 year market risk shock, a 1-in-20 year catastrophe shock, and reduction of longer-term underwriting profitability. Key risk indicators demonstrate that available capital is aligned to the Company's risk appetite. Risk management strategies are in place to assess and mitigate climate risk, with stress and scenario testing and climate scenario analysis informing the Company's policies and standards, pricing, risk selection and reinsurance. The Board have considered the impact of events after the balance sheet date with none identified which could impact the Company's ability to continue as a going concern.”

Group structure

1. INTACT INSURANCE UK LIMITED · parent
   1. Royal & Sun Alliance Insurance Limited - Escritório de Representação no Brasil Ltda. · Brazil
   2. Intact Insurance Channel Islands Limited · Guernsey
   3. Intact Insurance Service Company Limited · Guernsey
   4. Intact Business Services Private Limited · India
   5. 123 Money Limited · Ireland
   6. Benchmark Underwriting Limited · Ireland
   7. EGI Holdings Limited · Ireland
   8. Intact Insurance Ireland DAC · Ireland
   9. RSA Overseas Holdings (No 1) Unlimited Company · Ireland
   10. RSA Overseas Holdings (No 2) Unlimited Company · Ireland
   11. RSA Isle of Man No.1 Limited · Isle of Man
   12. Intact Insurance Isle of Man Limited · Isle of Man
   13. Intact Insurance (Europe) S.A. · France
   14. Centrium Management Company Limited 31.45% · United Kingdom
   15. Punchbowl Park Management Limited 65.09% · United Kingdom
   16. Polaris U.K. Limited 25.38% · United Kingdom
   17. RSA Northern Ireland Insurance Limited · United Kingdom
   18. Emersons Green Management Company 33% · United Kingdom
   19. Hempton Court Manco Limited 62.5% · United Kingdom
   20. Royal Insurance Operational Services (U.K.) Limited · United Kingdom
   21. Alliance Assurance Company Limited · United Kingdom
   22. Regent Subco Limited · United Kingdom
   23. Non-Destructive Testers Limited · United Kingdom
   24. Royal & Sun Alliance Reinsurance Limited · United Kingdom
   25. Royal Insurance (U.K.) Limited · United Kingdom
   26. Royal International Insurance Holdings Limited · United Kingdom
   27. Roysun Limited 100% · United Kingdom
   28. RSA Law Limited · United Kingdom
   29. Sun Alliance and London Insurance Limited · United Kingdom
   30. Sun Alliance Insurance Overseas Limited · United Kingdom
   31. Sun Insurance Office Limited · United Kingdom
   32. The London Assurance · United Kingdom
   33. The Globe Insurance Company Limited · United Kingdom
   34. The Marine Insurance Company Limited · United Kingdom
   35. UK Investment Management Limited · United Kingdom
   36. Westgate Properties Limited · United Kingdom
   37. Intact Law Limited (formerly York Street Law Limited) · United Kingdom

Significant events

• “On 6 September 2023, the Group entered into an agreement to acquire the commercial lines broker business of Direct Line Insurance Group (DLG).”
• “During 2025, the Company completed a rebrand to Intact Insurance, replacing the RSA and NIG brands.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

10

last 12 months

Capital events

3

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.