BRITISH GAS INSURANCE LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-06-15 (in 1mo)
Last made up 2025-06-01
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£100M
Equity attributable
Employees
—
Average over period
Profit before tax
£68M
Period ending 2025-12-31
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 | — | £797,341,000 | |
| Net earned premiums | — | £800,214,000 | |
| Claims incurred | — | £350,964,000 | |
| Investment return | — | £6,208,000 | |
| Profit before tax | — | £67,574,000 | |
| Net profit | — | £50,660,000 | |
| Insurance contract liabilities | £435,368,000 | £431,640,000 | |
| Total assets | — | £759,290,000 | |
| Total liabilities | — | £659,375,000 | |
| Equity | £98,255,000 | £99,915,000 | |
| 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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | — | 86.8% |
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.
Audit & accounting basis
- Accounting basis
- FRS 102, FRS 103
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis. The Company's assets are invested in sterling denominated short-term money market funds. Technical provisions are very short term in nature and are not expected to be affected by interest rate movements. The Company holds capital to cover a 1-in-200 operational risk event as well as additional capital above the regulatory solvency capital requirement in order to be resilient to a range of stress scenarios. As such, solvency and liquidity positions remain robust. Additional assurance can be given as the ultimate parent company, Centrica plc, will support the company if required to ensure it can meet its obligations as they fall due, provided the Company remains a member of the Group. The Directors have received confirmation that Centrica plc intends to support the Company for at least one year after the financial statements were authorised for issue.”
Significant events
- “During the year, amendments to FRS 102 introduced additional disclosure requirements for supplier finance arrangements. These amendments became effective on 1 January 2025 and did not have a material impact on the Company's Financial Statements.”
- “The combined operating ratio ("COR") is the ratio of claims incurred and operating expenses to premiums earned. As of 31 December 2025, the COR increased to 92.3% (2024: 91.8%). The decline in profitability can be attributed to increase commission payable and claims costs contractually agreed internal pricing due to BGSL.”
- “BGIL remains capital strong with total shareholder's funds at 31 December 2025 of £99.9m (2024: £98.3m) following the payment of dividends of £49.0m (2024 dividend: £74.0m).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 28 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CENTRICA SECRETARIES LIMITED | Corporate Secretary | 2008-06-02 | — | — |
| BERRYMAN, Mark Andrew | Director | 2025-07-03 | Mar 1977 | British |
| BOWE, Amanda Helen | Director | 2019-01-02 | Feb 1968 | British |
| ESPLEY, Helen Louise | Director | 2025-12-10 | Oct 1976 | British |
| PHIPPS, Robin Ashley | Director | 2018-12-05 | Dec 1950 | British |
| VANN, Stuart Robert | Director | 2019-01-23 | Jul 1971 | British |
Show 28 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BATEMAN, Matthew James | Director | 2019-04-03 | 2022-01-31 |
| BORSEY, Mark Edward | Director | 2008-09-19 | 2010-06-15 |
| BUCK, Steven John | Director | 2012-07-16 | 2014-09-30 |
| CASTAGNO, John | Director | 2009-12-08 | 2019-06-30 |
| CATCHPOLE, Elizabeth Margaret | Director | 2019-01-02 | 2021-05-31 |
| COLES, Pamela Mary | Director | 2008-09-19 | 2011-08-16 |
| D'ARCY, Kevin Michael | Director | 2008-09-19 | 2017-03-31 |
| DUTTON, Edward Michael | Director | 2010-05-12 | 2018-12-31 |
| GREEN, William George | Director | 2008-09-19 | 2008-12-24 |
| HEDLEY, Paul Ian | Director | 2008-06-02 | 2009-06-15 |
| HINDLEY, David John | Director | 2018-01-01 | 2021-09-30 |
| JOHNSON, David Alan | Director | 2017-01-31 | 2019-09-30 |
| KIRWAN, Michael David | Director | 2019-09-13 | 2020-08-31 |
| LUFF, Nicholas Lawrence | Director | 2009-08-01 | 2014-08-31 |
| MCLEOD, Charles Lee | Director | 2019-05-13 | 2021-12-16 |
| O'DWYER, Stephen John | Director | 2017-07-10 | 2019-05-13 |
| PHILLIPS, Stuart David | Director | 2021-12-16 | 2022-12-01 |
| RUPARELIA, Sima | Director | 2021-10-15 | 2026-02-28 |
| SAMBHI, Sarwjit | Director | 2019-01-02 | 2019-09-13 |
| SIBER, Jana | Director | 2022-07-21 | 2025-02-28 |
| SIDDALL, Toby James Bailey | Director | 2008-09-19 | 2010-09-23 |
| SINCLAIR, Kevin Morris | Director | 2009-07-15 | 2015-12-31 |
| STERN, Christopher John | Director | 2008-06-02 | 2018-09-30 |
| TAVAZIVA, Anne Leigh | Director | 2019-11-22 | 2020-06-10 |
| THOMAS, Michael Lindsay | Director | 2023-04-20 | 2025-11-03 |
| TODD, Alistair Mark | Director | 2015-03-03 | 2017-10-24 |
| UZIELLI, Michael Robin | Director | 2011-01-24 | 2012-07-16 |
| YOUNG, David Thomas Mcaree | Director | 2009-06-26 | 2018-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Gb Gas Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 118 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-18 | AA | accounts | Accounts with accounts type full | |
| 2026-03-19 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-17 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-10 | AA | accounts | Accounts with accounts type full | |
| 2025-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-18 | AA | accounts | Accounts with accounts type full | |
| 2023-06-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-13 | AA | accounts | Accounts with accounts type full | |
| 2023-05-12 | AP01 | officers | Appoint person director company with name date | |
| 2022-12-09 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-22 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-03-28 | AA | accounts | Accounts with accounts type full | |
| 2022-02-14 | TM01 | officers | Termination director company with name termination date | |
| 2021-12-17 | AP01 | officers | Appoint person director company with name date | |
| 2021-12-17 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 2
- 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.