BUPA INSURANCE LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-07-04 (in 2mo)
Last made up 2025-06-20
Watchouts
Cash
—
Latest balance sheet
Net assets
£459M
+6.3% vs 2024
Employees
1
0% vs 2024
Profit before tax
£198M
+10% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
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 | £3,338,000,000 | £3,679,000,000 | |
| Net earned premiums | — | — | |
| Claims incurred | £2,495,000,000 | £2,736,000,000 | |
| Investment return | £59,000,000 | £71,000,000 | |
| Profit before tax | £180,000,000 | £198,000,000 | |
| Net profit | £133,000,000 | £149,000,000 | |
| Insurance contract liabilities | £898,000,000 | £1,035,000,000 | |
| Total assets | £1,514,000,000 | £1,692,000,000 | |
| Total liabilities | £1,082,000,000 | £1,233,000,000 | |
| Equity | £432,000,000 | £459,000,000 | |
| Average employees | 1 | 1 |
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
+10.2%
£3,338,000,000 £3,679,000,000
-
Net earned premiums
—
Not reported
-
Profit before tax
+10%
£180,000,000 £198,000,000
-
Equity
+6.3%
£432,000,000 £459,000,000
-
Claims incurred
+9.7%
£2,495,000,000 £2,736,000,000
-
Insurance contract liabilities
+15.3%
£898,000,000 £1,035,000,000
-
Investment return
+20.3%
£59,000,000 £71,000,000
-
Employees
0%
1 1
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 71.5% | 72.9% |
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.
Name history
Renamed 1 time since incorporation
- BUPA INSURANCE LIMITED 2000-10-13 → present
- OFFICECARD LIMITED 2000-03-27 → 2000-10-13
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for at least twelve months from the date of approval of the Annual Report and Accounts and in the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the Strategic Report, Directors' Report, Financial Statements and notes.”
Significant events
- “Bupa Global, India & UK invested £2.9m back into communities, with £2.1m being grants made by the Bupa Foundation.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 52 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BUPA SECRETARIES LIMITED | Corporate Secretary | 2018-06-25 | — | — |
| BOUSFIELD, Clare Jane | Director | 2025-03-18 | Jun 1968 | British |
| BRUMPTON, Dena Jane | Director | 2023-04-12 | Dec 1963 | British |
| CABRELLI, Anthony Frank | Director | 2022-05-31 | Aug 1962 | British |
| EVANS, Paul James | Director | 2019-07-01 | Mar 1965 | British |
| LOWE-LAURI, Malcolm | Director | 2026-05-01 | Sep 1957 | British |
| OLDFIELD, Anna-Marie | Director | 2024-06-13 | Jan 1980 | British |
| THAKRAR, Rakesh Kishore | Director | 2022-07-01 | Nov 1975 | British |
| TORRY, Anne | Director | 2024-04-01 | Jun 1965 | British |
| WASHINGTON, Richard James Keith | Director | 2026-01-16 | Oct 1974 | British |
Show 52 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CROSIER, Tracey | Secretary | 2014-09-17 | 2016-12-31 |
| MORRISON, Audrey | Secretary | 2017-01-01 | 2018-05-31 |
| NEWTON, Paul Ramon | Secretary | 2000-04-06 | 2009-07-01 |
| SANDERS, Julian Philip | Secretary | 2009-07-01 | 2014-09-17 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2000-03-27 | 2000-04-06 |
| ASLET, Graham Kenneth | Director | 2007-03-05 | 2016-03-04 |
| BIDDLESTONE, Keith | Director | 2008-08-01 | 2009-11-13 |
| BOURKE, Evelyn Brigid | Director | 2012-10-12 | 2015-07-01 |
| BOWDEN, Richard Thomas | Director | 2012-10-01 | 2016-09-30 |
| BOYLE, David Spencer | Director | 2000-04-06 | 2002-01-14 |
| BROWN, Geoffrey Allan | Director | 2000-04-06 | 2009-07-01 |
| CARROLL, Christopher Patrick | Director | 2025-01-13 | 2026-01-16 |
| CHURCHILL, Lawrence | Director | 2009-09-17 | 2016-06-30 |
| CLAISSE, Douglas Martin | Director | 2000-09-21 | 2003-09-24 |
| CLOSE, Wayne Paul | Director | 2012-10-01 | 2013-01-31 |
| DUGDALE, Michael Ian | Director | 2005-12-12 | 2009-07-01 |
| FLANAGAN, Stephen David | Director | 2002-05-08 | 2008-11-10 |
| FLETCHER, Stuart Robert | Director | 2012-03-13 | 2014-04-29 |
| GOODING, Valerie Frances | Director | 2000-04-06 | 2008-05-15 |
| HARRIS, Fiona | Director | 2016-11-18 | 2023-10-20 |
| HOLDEN, Dean Allan | Director | 2010-02-03 | 2012-10-01 |
| HOLDEN, Dean Allan | Director | 2002-01-01 | 2008-08-01 |
| JAUREGUIZAR RUIZ-JARABO, Carlos Antonio | Director | 2024-06-14 | 2025-01-13 |
| JUANTEGUI AZPILICUETA, Pablo Antonio | Director | 2008-08-01 | 2009-07-01 |
| KEE, Fergus Alexander | Director | 2000-04-06 | 2010-07-31 |
| KENTON, Sheldon Robert | Director | 2021-01-27 | 2021-10-01 |
| KENTON, Sheldon Robert | Director | 2017-04-05 | 2019-06-05 |
| KING, Ray | Director | 2001-08-01 | 2012-03-14 |
| LANG, Robert Andrew | Director | 2013-02-01 | 2016-12-13 |
| LANGAN, Steve | Director | 2023-11-01 | 2024-05-15 |
| LEA, Edward William | Director | 2000-04-06 | 2001-09-13 |
| LEDLIE, Maxwell Colin | Director | 2016-04-18 | 2022-04-17 |
| LORIMER, John Howard | Director | 2012-06-13 | 2015-06-30 |
| MACDONALD, Natalie-Jane, Dr | Director | 2008-09-04 | 2013-01-31 |
| MARMION, Damien Vincent, Dr | Director | 2013-02-01 | 2014-04-29 |
| MITCHELL, George Edward | Director | 2009-07-07 | 2014-12-31 |
| MOYNIHAN, Siobhan | Director | 2023-10-20 | 2024-06-13 |
| O'CONNOR, Sophie Jane | Director | 2016-02-01 | 2025-12-31 |
| O'DWYER, Mark Joseph | Director | 2019-05-22 | 2020-08-18 |
| PERRY, Alexander Philip | Director | 2017-03-29 | 2024-06-14 |
| PHIPPS, Robin Ashley | Director | 2014-11-14 | 2025-12-31 |
| PLATT, Alison Elizabeth | Director | 2010-08-01 | 2012-10-01 |
| POLLARD, Dean James | Director | 2013-09-26 | 2014-04-29 |
| POTKINS, Martin | Director | 2015-07-01 | 2017-03-29 |
| SINGER, Thomas Daniel | Director | 2008-05-15 | 2011-09-16 |
| SMITH, David William | Director | 2017-08-29 | 2023-08-29 |
| TAYLOR, Nicolas Hornby | Director | 2000-10-24 | 2007-03-07 |
| THOMPSON, Clare Eleanor | Director | 2015-07-01 | 2019-07-02 |
| WALFORD, Arthur David | Director | 2000-04-06 | 2005-09-01 |
| WALTHER, Robert Philippe | Director | 2004-05-01 | 2009-07-31 |
| WASHINGTON, Richard James Keith | Director | 2024-06-14 | 2025-01-13 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 2000-03-27 | 2000-04-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bupa Finance Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 237 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-11 | AA | accounts | Accounts with accounts type full | |
| 2026-01-30 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-20 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | CH01 | officers | Change person director company with change date | |
| 2025-06-30 | CH01 | officers | Change person director company with change date | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-07 | AA | accounts | Accounts with accounts type full | |
| 2025-03-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-13 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-13 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
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.