LLOYDS BANK GENERAL INSURANCE LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-11-28 (in 6mo)
Last made up 2025-11-14
Watchouts
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
£98M
+83.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gross written premiums | — | — | |
| Net earned premiums | — | — | |
| Claims incurred | £510,369,000 | £596,063,000 | |
| Investment return | £34,864,000 | £31,598,000 | |
| Profit before tax | £53,174,000 | £97,594,000 | |
| Net profit | £38,795,000 | £72,141,000 | |
| Insurance contract liabilities | £391,088,000 | £411,233,000 | |
| Total assets | £896,754,000 | £950,217,000 | |
| Total liabilities | £407,592,000 | £438,914,000 | |
| Equity | £489,162,000 | £511,303,000 | |
| Average employees | — | — |
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
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Gross written premiums
—
Not reported
-
Net earned premiums
—
Not reported
-
Profit before tax
+83.5%
£53,174,000 £97,594,000
-
Equity
+4.5%
£489,162,000 £511,303,000
-
Claims incurred
+16.8%
£510,369,000 £596,063,000
-
Insurance contract liabilities
+5.2%
£391,088,000 £411,233,000
-
Investment return
-9.4%
£34,864,000 £31,598,000
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
Name history
Renamed 3 times since incorporation
- LLOYDS BANK GENERAL INSURANCE LIMITED 2013-09-23 → present
- LLOYDS TSB GENERAL INSURANCE LIMITED 1998-01-01 → 2013-09-23
- TSB GENERAL INSURANCE LIMITED 1988-07-01 → 1998-01-01
- CONTINENTAL GUARANTY CORPORATION LIMITED(THE) 1925-03-09 → 1988-07-01
Audit & accounting basis
- Accounting basis
- IFRS
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors conclude that it is appropriate to continue to adopt the going concern basis in preparing the accounts.”
Group structure
- LLOYDS BANK GENERAL INSURANCE LIMITED · parent
- Lloyds Bank Insurance Services Limited 100%
- St Andrew's Insurance plc 100%
Significant events
- “On 11 September 2025, a legal entity reorganisation took place as part as part of the IP&I strategy to simplify the legal entity structure of the division. The Company's entire share capital was transferred from Lloyds Bank General Insurance Holdings Limited (LBGIH) to Scottish Widows Group Limited (SWG).”
- “If the final determination of the matter by the judicial process is that HMRC's position is correct, management believes that this would result in an increase in the Company's current tax liabilities of approximately £26.8 million (including interest).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 89 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RAMAN, Krishna Venkata | Secretary | 2026-03-01 | — | — |
| BARUA, Chirantan | Director | 2023-05-31 | Nov 1973 | British |
| BRUMPTON, Dena Jane | Director | 2026-02-02 | Dec 1963 | British |
| CHALMERS, William Leon David | Director | 2019-08-09 | Jul 1968 | British |
| COOPER, Kirstine Ann | Director | 2024-03-01 | Aug 1964 | British |
| CUHLS, Matthew Hilmar | Director | 2024-01-01 | Aug 1974 | British |
| MCNAMARA, Paul Gerard | Director | 2024-09-02 | Sep 1966 | Irish |
| MOULDER, Christopher John George | Director | 2017-06-12 | Feb 1958 | British |
| NYAHASHA, Shingirai Thaddeus | Director | 2024-01-15 | Jan 1974 | British |
| SCHUMACHER, Gayle Elaine | Director | 2019-07-24 | May 1959 | British |
| TRUSSELL, Mary Helen | Director | 2025-07-07 | Jun 1963 | British |
Show 89 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HERD, Catriona Margaret | Secretary | 2013-05-23 | 2014-04-23 |
| JOLLY, Joanne Margaret | Secretary | 2014-04-23 | 2024-03-28 |
| MARCH, Luke Henry Walter | Secretary | — | 1993-11-12 |
| MAYER, Sally | Secretary | 2011-07-14 | 2013-05-23 |
| MAYER, Sally | Secretary | 2011-02-02 | 2011-05-20 |
| MAYER, Sally | Secretary | 2009-05-15 | 2010-03-31 |
| MEACHAM, Jayne Michelle | Secretary | 2010-03-31 | 2011-02-02 |
| PHILLIPS, Roger Quentin | Secretary | 1995-05-18 | 1996-07-18 |
| RIDDY, Caroline Anne | Secretary | 2024-09-13 | 2026-02-28 |
| RODGERS, Helen Suzanne | Secretary | 1996-07-18 | 2001-10-11 |
| SLATTERY, Sharon Noelle, Mrs. | Secretary | 2001-10-11 | 2009-05-15 |
| STAPLES, Graham | Secretary | 1993-11-12 | 1994-05-09 |
| TAYLOR, John Keith | Secretary | 1994-05-12 | 1995-05-18 |
| WATTS, Paula | Secretary | 2011-05-20 | 2011-07-14 |
| WILLIAMS, Jesujuwonlo | Secretary | 2024-03-29 | 2024-09-12 |
| AYLIFFE, Peter George Edwin | Director | 1994-02-01 | 1996-07-18 |
| BEAVEN, Richard Labassee | Director | 2011-02-02 | 2011-12-31 |
| BLACKWELL, Lord (Norman Roy) | Director | 2012-09-01 | 2014-06-23 |
| BLANCE, Andrea Margaret | Director | 2015-07-17 | 2020-08-14 |
| BOND, Jonathon Roderick Alan | Director | 2019-07-24 | 2021-05-14 |
| BRIGGS, Andrew David | Director | 2010-04-20 | 2011-05-20 |
| BROWN, Paul Patrick | Director | 1996-07-18 | 1997-02-04 |
| BROWN, Steven Ernest | Director | 1996-07-18 | 1997-11-04 |
| BRYSON, Norval Mackenzie, Dr | Director | 2012-01-24 | 2015-07-31 |
| BULLOCH, Robert James Mackenzie | Director | 2011-05-20 | 2012-12-31 |
| CANNIFFE, Michael | Director | 2007-11-09 | 2011-12-31 |
| CHEETHAM, Kate | Director | 2018-09-27 | 2021-09-09 |
| CHRISTOPHERS, Michael | Director | 2011-01-24 | 2017-05-15 |
| COOK, Karin Alexandra | Director | 2015-10-19 | 2018-06-22 |
| CRACKNELL, Kevin Philip | Director | 2011-10-24 | 2012-07-31 |
| CULMER, Mark George | Director | 2012-10-31 | 2019-08-01 |
| CURTIS, Jane Elizabeth Mary | Director | 2014-11-11 | 2022-10-07 |
| DAVIS, Deborah Lee | Director | 2022-03-18 | 2025-03-18 |
| DOWNIE, Michael Ronald | Director | 2023-09-01 | 2024-01-15 |
| ELBOURNE, John Kenneth | Director | — | 1996-07-04 |
| FILLERY, Graham Winston | Director | 2000-02-07 | 2003-02-07 |
| FISHER, Mark Andrew | Director | 2012-09-19 | 2014-04-22 |
| FORSTER, Lindsay Karen | Director | 2009-05-15 | 2011-12-31 |
| FURNELL, Simon Peter | Director | 2002-09-20 | 2007-03-16 |
| GALJAARD, Neil Edward | Director | 2004-03-01 | 2007-04-21 |
| GIBBS, Keith George | Director | 1997-11-18 | 2000-06-16 |
| GOFORD, Jeremy | Director | 2012-01-24 | 2015-02-13 |
| GREEN, Janet Anne | Director | 2003-02-07 | 2005-12-31 |
| GREEN, Martyn Paul | Director | 2003-10-22 | 2009-05-15 |
| HAM, Christopher Anthony | Director | 2005-02-22 | 2010-04-30 |
| HARGREAVES, Simon James | Director | 2004-06-07 | 2007-12-07 |
| HARRIS, Joanna Kate | Director | 2023-09-29 | 2025-06-04 |
| HARRIS, Michael | Director | 2016-09-01 | 2019-12-05 |
| HARRIS, Rosemary | Director | 2011-05-20 | 2012-02-29 |
| HILLMAN, James Christopher Steuart | Director | 2019-12-10 | 2023-08-31 |
| HOLT, Dennis | Director | 1996-07-18 | 2000-02-07 |
| HUBBARD, Peter John | Director | 1997-05-23 | 2000-02-07 |
| HUGHES, Stephen James | Director | 2008-10-02 | 2011-10-11 |
| HYLANDS, John Francis | Director | 2015-03-19 | 2021-03-31 |
| JONES, Keith | Director | 1993-11-12 | 1997-06-01 |
| JONES, Neal Leonard | Director | 2001-08-01 | 2003-09-12 |
| JONES-EVANS, Sally Ann | Director | 2000-06-16 | 2002-08-31 |
| KANE, Archibald Gerard | Director | 2003-10-01 | 2011-05-20 |
| KANE, Archibald Gerard | Director | — | 1994-10-24 |
| LANGSTON, Peter Robert | Director | 2001-05-14 | 2001-07-31 |
| LENMAN, Alasdair Bruce | Director | 2006-01-03 | 2010-03-31 |
| LONEY, Philip Duncan | Director | 2003-09-01 | 2010-03-31 |
| LORENZO, Antonio | Director | 2016-03-02 | 2023-05-30 |
| MARAN, Stephen Andrew | Director | 1997-02-26 | 1999-12-31 |
| MARU, Vimlesh | Director | 2013-06-18 | 2017-09-14 |
| MCDOWELL, Bruce Alistair James | Director | — | 1993-05-31 |
| MITCHELL, Michael Frederick | Director | 2000-06-16 | 2003-12-31 |
| MOYLE, Keith Martyn | Director | — | 1996-01-15 |
| O'CONNOR, Sophie Jane | Director | 2017-06-01 | 2023-09-30 |
| OLDFIELD, David James Stanley | Director | 2014-07-18 | 2015-06-30 |
| PAIN, Jonathan Charles | Director | 2000-02-07 | 2003-04-30 |
| PARSONS, Andrew Mark | Director | 2012-11-09 | 2016-09-01 |
| PECK, Andrew Michael | Director | 2012-01-24 | 2013-05-31 |
| PEDELTY, Mervyn Kay, Sir | Director | — | 1994-06-30 |
| PFAUDLER, Jakob, Dr | Director | 2018-11-05 | 2019-12-18 |
| PRETTEJOHN, Nicholas Edward Tucker | Director | 2014-06-23 | 2021-09-30 |
| RANDALL, Frederick John | Director | — | 1996-04-01 |
| REILLY, Barbara Ann | Director | 1994-09-15 | 1996-04-01 |
| REIZENSTEIN, Anthony Jonathan | Director | 2021-04-23 | 2024-06-30 |
| ROSS, Michael David | Director | 2000-03-06 | 2003-09-30 |
| SCHRAUWERS, Cornelis Antonius Carolus Maria, Dr | Director | 2012-05-14 | 2014-11-18 |
| SMYTH, Andrew John | Director | 2000-06-16 | 2003-07-18 |
| SOMMERS, Michael John | Director | — | 1993-10-31 |
| STEWART, Gregor Ninian | Director | 2012-01-01 | 2012-10-05 |
| STODDARD, David Antony John | Director | 2007-05-18 | 2010-06-30 |
| STRAUSS, Toby Emil | Director | 2011-10-17 | 2015-10-21 |
| STUART, Ian Charles Robert | Director | 2011-03-16 | 2011-12-31 |
| TASKER, Raymond Gordon | Director | 2000-02-07 | 2005-01-31 |
| THORNTON, Craig James | Director | 2013-06-01 | 2016-11-07 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Scottish Widows Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-11 | Active |
| Lloyds Bank General Insurance Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-09-11 |
Filing timeline
Last 20 of 395 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-11 | AA | accounts | Accounts with accounts type full | |
| 2026-03-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-03-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-11-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-17 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-09-15 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-04 | AA | accounts | Accounts with accounts type full | |
| 2025-03-19 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-05 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-04 | CH01 | officers | Change person director company with change date | |
| 2024-12-04 | CH01 | officers | Change person director company with change date | |
| 2024-12-04 | CH01 | officers | Change person director company with change date | |
| 2024-12-04 | CH01 | officers | Change person director company with change date | |
| 2024-09-19 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-09-19 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-09-05 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.