Monthly reports and a quarterly outlook for the UK & Ireland insurance market: claim costs, storm activity, regulation, fraud and emerging risks. Each report uses public data, cites every source and ends with practical steps for underwriting and claims teams.
Q3 review and forecasts to 2027. UK claim-cost inflation is close to normal, but parts and hospital costs are the risks. Ireland's 2025 motor combined ratio was 93%, against falling 2026 premiums and 9.1% repair inflation. Construction materials are up 7.2%.
Niall Crowley · October 31, 2026
UK insurers detected £1.34 billion of fraudulent claims in 2025, up 14% from 2024, as the number of cases fell 2.7% to 93,900. Motor accounted for 51,900 cases worth £625 million. Contrived-incident fraud rose 30%. This piece uses public sources only.
Niall Crowley · October 30, 2026
The UK had 2,017,093 licensed zero-emission cars at the end of June, 5.8% of the car park and up 34% in a year. Automated-vehicle marketing restrictions are due on 7 January 2027. Parts inflation and windscreen claims are already where that mix shows up on the bill.
Niall Crowley · October 29, 2026
The Met Office named Storm Austen and Storm Boelo four days apart in late October. Austen tracked south, Boelo tracked north. Ireland recorded 120% of average October rainfall and a 73-knot gust at Malin Head. No official insured-loss total has been published.
Niall Crowley · October 28, 2026
The FCA's motor finance compensation scheme remains partially suspended, with an October update for firms and 'not owed' letter deadlines from 18 November. The Central Bank of Ireland's official 2025 private motor combined ratio, published on 20 October, was 93%.
Niall Crowley · October 23, 2026
UK motor insurance prices rose 6.8% in the year to September, while Ireland's motor car insurance CPI fell 5.0%. Repair inflation has cooled to 3.7% in the UK but is still 9.1% in Ireland. Irish claims cost per policy rose 10% in 2025, to €424.
Niall Crowley · October 22, 2026
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