United Kingdom Travel Insurance Barometer 2025: Key Stats & Trends
The global travel insurance market is witnessing a powerful resurgence in 2025, with its value projected to exceed £28 billion as heightened post-pandemic risk awareness drives up adoption rates worldwide. Within this landscape, the UK emerges as a leading and highly mature market, where an impressive 78% of outbound travellers are now insured, contributing to a domestic market valued at over £1.75 billion and reflecting a profound shift in consumer behaviour towards comprehensive travel protection.
The travel insurance market in 2025: overview and key numbers in the United Kingdom and in the world
The travel insurance penetration rate: how does the UK rank in the world?
The penetration rate, or the percentage of outbound travellers who purchase insurance, is a critical metric reflecting market maturity and consumer risk perception. In 2025, the travel insurance penetration rate in the UK stands at an impressive 78%, significantly outpacing the global average of 45% and marking a substantial recovery and growth from 62% in 2015. This figure underscores a profound shift in consumer behaviour, particularly in the post-pandemic era.
The high penetration rate in the UK is the result of a mature travel market, heightened awareness of international healthcare costs, and a cultural norm of seeking financial protection. The most significant driver has been the post-COVID landscape, which catapulted the rate from a low of 54% in 2020 to 78% by 2025—a remarkable 24-point increase. This surge signifies that travel insurance has transitioned from a discretionary purchase to an essential component of trip planning for the vast majority of British travellers.
Compared to international peers, the rate in the UK (78%) is among the highest, rivalling the Netherlands (77%) and significantly ahead of markets like the United States (40%), where insurance uptake is less embedded in travel culture. The forecast suggests a continued upward trend, with the rate in the UK projected to reach 82% by 2030. This indicates the market is approaching saturation, with future growth likely to stem from product innovation and upselling rather than capturing uninsured travellers.
Travel Insurance Coverage Rate in the UK and worldwide
Post-Pandemic Transformation of the UK Travel Insurance Market
The post-pandemic landscape has profoundly reshaped the travel insurance market in the UK. While outbound travel has strongly rebounded, reaching 92% of 2019 levels by 2024, the most significant transformation is in consumer behaviour. The experience of global uncertainty has fuelled a lasting demand for security, causing the insurance penetration rate to soar from 54% in 2020 to 78% in 2024. This dramatic 24-point increase demonstrates that for British travellers, insurance is no longer an afterthought but a core component of modern travel.
Travel Insurance Subscription: Premiums and Ways to Subscribe
The average premium is a vital metric that reflects the cost of travel, the perceived level of risk, and the competitive intensity within a national market. For the United Kingdom, this figure highlights a market defined by high volume and intense price competition, particularly when benchmarked against other major international markets. Analysing this data provides insight into consumer behaviour and insurer strategy in the UK.
A comparison of average travel insurance premiums per policy across key markets in 2025.
- Sources: Forbes, Condor Ferries, and national industry reports.
In 2025, the average premium for a single-trip policy in the United Kingdom is £39, placing it at the most competitive end of the spectrum among developed nations.
This comparatively low price point is a direct result of several market-specific factors: the high volume of short-haul trips to Europe, a fiercely competitive landscape dominated by price comparison websites, and a highly price-sensitive consumer base.
In stark contrast, the United States market shows an average premium of £163, driven by longer-duration international trips, higher overall travel costs, and the critical need for policies with extensive medical coverage.
While the premium in the UK typically represents 4-8% of the total trip cost—a standard industry ratio—the low absolute value underscores a market dynamic of high volume but thinner margins per policy.
The split between bundled and direct insurance sales offers a crucial insight into consumer behaviour and the maturity of the market. In the the UK, the data points to a sophisticated consumer base that actively shops for insurance, rather than passively accepting add-ons. This dynamic fundamentally shapes the competitive landscape for insurers, aggregators, and travel providers alike.
| Distribution Channel | Market Share in the UK (2025) |
|---|---|
| Direct Subscription (Insurer/Aggregator) | 59% |
| Bundled with Trips/Flights | 41% |
*Source: Forbes, Mordor Intelligence*
The distribution landscape in the the UK is notably led by direct channels, which command a 59% market share. This reflects a highly mature and price-conscious market where consumers are accustomed to using powerful price comparison websites to actively research and select policies that offer the best value or specific coverage.
Unlike many markets where convenience drives bundled sales, British travellers demonstrate a strong preference for purchasing insurance as a standalone product.
Nevertheless, the 41% share for bundled insurance is significant, proving that embedded, point-of-sale offers from airlines and travel agents remain a powerful channel, particularly for package holidaymakers and less frequent travellers.
The overarching trend is digital, with 83% of all policies purchased online, facilitating both easy comparison via aggregators and seamless integration at the travel checkout.
The share of travel insurance policies purchased online is a defining metric of market maturity and consumer behaviour. In the the UK, the market demonstrates exceptional digital adoption, making online channels the primary battleground for customer acquisition and retention. This digital-first landscape dictates the strategic priorities for insurers operating in the region.
- Share of subscriptions made online (2025): 83%
- Forecast for 2030: > 90%
*Source: Forbes, Mordor Intelligence.*
The remarkable 83% digital share underscores that for travellers in the UK, online is the default channel for purchasing travel insurance.
This trend is deeply rooted in the widespread use of price comparison websites (aggregators) like Comparethemarket and MoneySuperMarket, which have empowered consumers to seek out the best value and coverage with ease.
Even when insurance is bundled, the purchase is typically part of a larger online booking process, further cementing digital's dominance.
This reality compels insurers to compete fiercely on the quality of their digital user experience, the clarity of their online product offerings, and their visibility on aggregator platforms.
With the online share projected to surpass 90% by 2030, a sophisticated and seamless digital strategy is no longer an advantage but a fundamental requirement for survival in the market of the UK.
Travel insurance claims in the UK: Frequency, types, and credit card share
Understanding the frequency and average cost of claims is essential to grasp the risk landscape for travellers in the UK. This data reveals a clear distinction between common, lower-cost incidents and rarer, high-cost emergencies, which collectively shape the structure and pricing of insurance products.
| Claim Type | Frequency (% of total policies) | Average Amount (in the UK) |
|---|---|---|
| Trip Cancellation | 18% | £800 |
| Baggage Loss/Damage | 11% | £320 |
| Medical Expenses | 7% | £1,250 |
| Repatriation | 1.5% | £4,800 |
The claims data for the the UK market highlights a critical distinction between frequency and severity.
Trip cancellation stands out as the most common cause for a claim, demonstrating its importance as a core feature for consumers.
However, the most significant financial risks stem from medical incidents.
While less frequent, an average medical expense claim costs over £1,200, and a repatriation case can escalate to nearly £5,000 on average.
This high-cost, low-frequency risk profile explains why policies in the the UK offer multi-million-pound medical cover as standard.
For insurers, this underscores the need to balance pricing for frequent, predictable claims like baggage loss against the severe, unpredictable costs of overseas medical emergencies.
Travel insurance offered through premium bank accounts and credit cards is a significant feature of the the UK market, acting as a default layer of protection for millions of consumers. Understanding its share of the market relative to its contribution to claims is crucial for assessing its effectiveness and identifying its role alongside standalone policies.
| Type of insurance | Percentage of claims |
|---|---|
| Credit card insurance | 22% |
| Standalone policies | 78 % |
The data for the the UK reveals a remarkable parity: credit card insurance accounts for 22% of the active travel insurance market and is responsible for exactly the same proportion of claims.
This perfect alignment suggests that, unlike in many other markets where bundled insurance is seen as a basic or limited benefit, the coverage provided by UK banks is both substantial and effectively utilised by policyholders.
It indicates that consumers with this type of cover are aware of their benefits and are successfully making claims, validating its role as a genuine form of protection.
While standalone policies still represent the vast majority of the market (78%), credit card insurance is clearly more than just a supplementary perk; it is a core component of the nation's travel safety net, handling a proportional volume of incidents from trip cancellations to medical emergencies.
Preferred Travel Insurance Types, Destinations, and Profiles in the UK
Understanding the modern traveller is key to navigating the the UK insurance market, as preferences are shaped by travel frequency, destination risk, and demographic needs. The following analysis breaks down the most popular policy formats, the destinations driving insurance uptake, and the key consumer profiles defining the market today.
The types of travel insurance cover subscribed to in the UK
In the United Kingdom, travelers demonstrate a clear preference for comprehensive, multi-risk policies that provide a robust safety net against a wide range of potential issues. The standard features of policies in the UK reflect a mature market where consumers expect high levels of protection, particularly for medical emergencies and trip cancellations.
| Coverage Type | Details and Typical Limits (2024/2025) |
|---|---|
| Medical Expenses | Coverage Limits: £10 million (Europe) to £20 million (Worldwide) is standard. Deductibles (Excess): Typically range from £50 to £150 per claim. |
| Trip Cancellation | Maximum Amount: Policies commonly cover up to £5,000–£7,500 per person. |
| Baggage & Belongings | Limits: Coverage is generally between £1,500 and £2,500. Common Exclusions: High-value electronics, gadgets, and cash are often excluded or have low single-item limits. |
| Other Key Features | Liability: Personal liability cover of £1 million or more is standard. Assistance: 24/7 emergency assistance is a core feature. Travel Delay: Compensation typically starts after a 12-hour delay, with payouts of £200–£500. Teleconsultation: An emerging benefit, now offered in approximately 38% of policies. |
Deductibles (Excess): Typically range from £50 to £150 per claim.
Common Exclusions: High-value electronics, gadgets, and cash are often excluded or have low single-item limits.
Assistance: 24/7 emergency assistance is a core feature.
Travel Delay: Compensation typically starts after a 12-hour delay, with payouts of £200–£500.
Teleconsultation: An emerging benefit, now offered in approximately 38% of policies.
- *Source: Which?, Forbes (2024).*
The coverage preferences in the the UK market are clearly defined by a demand for high-value protection.
The extremely high medical expense limits—often reaching £20 million for worldwide cover—are a direct response to traveler awareness of exorbitant healthcare costs in destinations like the USA.
Similarly, cancellation cover up to £7,500 aligns with the average cost of family holidays, making it a critical component.
While baggage cover is standard, its limitations on electronics highlight a potential gap that consumers must manage separately.
The increasing integration of value-added services like 24/7 assistance and teleconsultation shows a market shift towards not just financial protection, but also practical, on-the-ground support for travelers.
What are the preferred travel insurance types in the UK?
The choice of insurance format among travellers in the UK reflects a highly segmented and mature market, where purchasing decisions are closely aligned with individual travel frequency and risk appetite. The data reveals a balanced distribution across single-trip, annual, and credit card-based policies, each serving a distinct consumer need.
| Policy Type | Market Share in the UK |
|---|---|
| Single-Trip Policy | 44% |
| Annual Multi-Trip Policy | 34% |
| Credit Card Insurance | 22% |
*Source: Forbes, Condor Ferries (2025 data).*
The leading position of single-trip policies, at 44%, highlights their continued relevance for the traditional holidaymaker who takes one or two main trips per year and seeks tailored, comprehensive cover for that specific journey.
However, the significant 34% share for annual multi-trip policies is a key characteristic of the UK market, reflecting a large and active segment of frequent travellers, including business professionals and those taking multiple city breaks.
This group prioritises convenience and cost-effectiveness over the year.
Finally, the 22% share for credit card insurance underscores the impact of bundled financial products, offering a baseline of "automatic" cover.
While convenient, its smaller share compared to standalone policies suggests consumers are increasingly aware of its potential limitations and often opt for more robust, dedicated protection.
What are the profile types most covered by travel insurance in the UK?
The travel insurance market in the UK is strongly segmented, with specific demographic groups demonstrating a higher propensity to purchase cover based on their unique travel habits and risk perceptions. Analysing these key profiles reveals the core drivers of demand and product specialisation within the industry.
| Traveler Profile | Share of Covered Travelers in the UK (2024) |
|---|---|
| Families with children | 27% |
| Seniors (65+) | 21% |
| Frequent business travelers | 18% |
| Digital nomads | 6% |
The data clearly indicates that families with children are the largest insured group in the UK, making up 27% of the market.
This is primarily driven by a heightened sense of responsibility to protect loved ones and the significant financial investment associated with family holidays.
Seniors (65+) follow at 21%, a segment that is highly risk-aware and prioritises comprehensive medical coverage, often seeking out specialist providers like Staysure that cater to pre-existing conditions.
Frequent business travelers represent a stable 18%, typically covered by cost-effective annual multi-trip policies or corporate plans.
The emerging profile of digital nomads, while smaller at 6%, highlights a growing niche for flexible, long-stay policies, representing a key area for future product innovation.
What are the most popular types of travel insurance coverage in the UK?
The choice of destination is a powerful indicator of a traveller's perceived risk and significantly influences the decision to purchase travel insurance in the UK. The following data highlights the key international locations for which UK travellers are most likely to seek comprehensive cover, revealing a clear pattern driven by healthcare costs, distance, and travel volume.
The most frequently insured destinations for travellers from the UK in 2024 are:
- Australia: 12% of policies.
- Thailand: 9% of policies.
- Spain: 7% of policies.
- France: 6% of policies.
Source: Forbes, Trawick International, 2024.
The data unequivocally shows that the USA is the primary driver for travel insurance purchases in the UK, accounting for nearly a quarter of all policies.
This is almost entirely due to the notoriously high cost of its healthcare system, making insurance a non-negotiable prerequisite for travel.
Long-haul destinations like Australia and Thailand also feature prominently, reflecting a combination of high medical costs, the greater potential for disruption due to distance, and the popularity of adventure activities.
Interestingly, European neighbours Spain and France also rank highly.
While travel to these countries is less complex, their inclusion is driven by the sheer volume of UK visitors and a growing post-Brexit awareness that the Global Health Insurance Card (GHIC) provides only basic and state-provided medical cover, leaving travellers exposed to significant costs for services like private treatment or repatriation.
What are the average travel insurance claim amounts in the UK?
An analysis of average claim amounts provides a clear picture of the financial risks travelers face and demonstrates the core value proposition of travel insurance. The data for the UK reveals a significant disparity between high-frequency, low-cost incidents and rare but financially crippling emergencies.
| Claim Type | Average Amount in the UK (2025) |
|---|---|
| Repatriation | £4,800 |
| Medical Expenses | £1,250 |
| Trip Cancellation | £800 |
| Baggage Loss/Damage | £320 |
Source: Association of British Insurers (ABI), Forbes, 2025.
The figures clearly illustrate the primary function of travel insurance: to safeguard against catastrophic financial loss.
While claims for baggage (£320) and trip cancellation (£800) are relatively common and financially manageable for some, the cost of medical expenses (£1,250) and particularly repatriation (£4,800) can be devastating.
These high-cost events, though less frequent, are precisely why comprehensive cover is essential.
The data from the UK shows that the true value of a policy lies not in compensating for minor inconveniences, but in providing a critical safety net against severe medical emergencies that can occur anywhere in the world.
This reinforces the industry's focus on robust medical and assistance coverage as the cornerstone of any credible travel insurance product.
The Travel Insurance Structure: Offerings, Pricing, and Market Fragmentation
The travel insurance supply landscape in the the UK is mature, highly competitive, and technologically advanced. It is shaped by a mix of established insurance giants, specialist providers, and a vibrant insurtech scene that collectively drive product innovation and distribution strategies. Understanding the dynamics of this supply side is crucial to grasping the choices and experiences available to British travellers.
The travel insurance market in the United Kingdom is led by a combination of major household names and specialist brands, each with a distinct focus.
| Rank | Insurer | Market Share (%) | Notable Features |
|---|---|---|---|
| 1 | Aviva | 15 | Strong in multi-risk policies with a focus on digital claims and families |
| 2 | AXA | 13 | Global powerhouse known for extensive medical coverage |
| 3 | Allianz | 12 | Leader in embedded insurance and business travel solutions |
| 4 | Staysure | 10 | Specialist provider excelling in coverage for seniors and pre-existing medical conditions |
| 5 | Direct Line | 8 | Focus on bundled products and flexible add-ons |
The leadership in the the UK market is a blend of large, multi-line insurers (Aviva, AXA, Direct Line) and specialists who have carved out significant niches (Staysure for seniors, Allianz for embedded partnerships). While these top five players command a significant 58% of the market, their varied strategies—from broad family coverage to targeted high-risk segments—ensure a diverse and competitive environment for consumers.
The market in the UK is best described as moderately concentrated, fostering a healthy balance between competition and stability.
- Market Structure: Moderately concentrated
- Number of Providers: Approximately 30 active insurers
- Top 5 Market Share: 58%
- Herfindahl-Hirschman Index (HHI): Estimated between 1,000 and 1,200
- Source: Forbes, Which?, 2025.
With around 30 active providers, the market in the UK is far from being an oligopoly. The moderate concentration level indicates that while the leading brands have a strong foothold, there is ample room for smaller players and new insurtech entrants to compete, particularly on service, technology, and niche products. This structure prevents market stagnation and encourages continuous innovation as firms vie for market share.
Insurers in the UK offer a tiered range of products designed to meet the varying needs and budgets of different travellers.
- Medical-only plans: These policies provide essential cover for emergency medical expenses and repatriation. They are often marketed towards travellers on a budget, or those who may have cancellation cover elsewhere (e.g., through a credit card), particularly seniors travelling within Europe.
- Multi-risk packages: The standard and most popular type of policy, these plans bundle medical cover with trip cancellation, baggage loss, and travel delay protection. They represent the core offering for most leisure and family travellers.
- Premium international plans: Aimed at high-value trips, business travellers, or those engaging in adventure sports, these policies offer higher coverage limits, premium services like 24/7 concierge assistance, and optional add-ons such as gadget cover.
This segmented product strategy allows insurers in the the UK to effectively cater to the entire spectrum of travellers. By offering distinct product tiers, they can match price points and coverage levels to specific trip characteristics and customer profiles, from a weekend city break in Europe to a multi-week expedition worldwide.
The market in the the UK is home to a dynamic insurtech sector that is pushing the boundaries of traditional travel insurance.
- Notable Insurtechs: Pluto, Cover Genius, Battleface
- Key Innovations:
- Customer Experience: Offering seamless, app-based experiences for purchasing and managing policies, with a focus on digital claims.
- Embedded Insurance: Cover Genius is a global leader in providing white-label insurance solutions that are integrated directly into the booking paths of travel companies.
- Flexible & Niche Coverage: Players like Pluto and Battleface offer flexible, usage-based cover and specialise in areas like adventure travel and high-risk destinations.
Insurtechs are acting as powerful catalysts for change in the the UK. While they may not lead in terms of overall market share, their influence is significant. They are setting new benchmarks for customer-centricity, technological integration, and product flexibility, compelling established insurers to innovate and modernise their own offerings and distribution models.
Pricing models in the the UK are increasingly shifting from static, one-size-fits-all approaches to more sophisticated and personalised methods.
- Flat-rate pricing: Still used for basic single-trip policies, where the premium is based on broad factors like destination (e.g., "Europe" or "Worldwide") and trip duration.
- Dynamic pricing: This is now the dominant model, where premiums are calculated using a range of variables, including the traveller's age, specific destination, trip cost and length, and any declared pre-existing medical conditions.
- Usage-based/flexible pricing: Pioneered by insurtechs, this model allows travellers to purchase cover for specific periods or activities, offering greater flexibility and potentially lower costs.
The move towards dynamic pricing reflects the industry's ability to leverage data for more accurate risk assessment. For consumers in the the UK, this means fairer pricing that is more closely aligned with their individual travel profile. The emergence of usage-based models is the next step in this evolution, giving travellers unprecedented control over their coverage.
The integration of insurance into the travel booking process is a well-established and critical distribution channel in the the UK.
- Share of Distribution: 41% of travel insurance policies are sold through Online Travel Agencies (OTAs), airlines, and tour operators.
- Partnership Model: White-label partnerships are common, where an insurer's product is branded and sold by the travel company (e.g., an airline or travel website) during the checkout process.
Embedded insurance is a cornerstone of the distribution strategy in the UK. The convenience of purchasing insurance at the same time as a flight or holiday package is a powerful driver of sales. For insurers, these partnerships provide direct access to a huge volume of customers at the precise moment of need, making this a highly efficient and competitive channel.
A highly developed ecosystem of comparison tools and technology platforms empowers consumers and facilitates distribution in the the UK.
- Main Aggregators: Price comparison websites like Comparethemarket, MoneySuperMarket, and GoCompare are immensely popular and influential, allowing consumers to compare dozens of policies in one place.
- APIs and Embedded Finance: Insurers and insurtechs widely use APIs to connect with aggregators, travel partners, and even fintech apps (e.g., digital banks), enabling insurance offers to be seamlessly integrated across various digital platforms.
The powerful role of aggregators in the the UK has created a transparent and highly competitive market, forcing providers to compete keenly on both price and product features. The underlying API technology is the engine of this ecosystem, enabling the rapid and widespread distribution of insurance products and making it easier than ever for consumers to find and purchase the right cover.
Methodology and Sources
Methodology of the 2025 Global Travel Insurance Barometer
The 2025 Global Travel Insurance Barometer is the result of a comprehensive, multi-faceted research process designed to provide a reliable, transparent, and comparable analysis of the travel insurance landscape across key global markets. This methodology outlines the scope, data collection and processing techniques, and validation measures employed to ensure the credibility and accuracy of the findings presented.
1. Geographic Scope This study encompasses 35 countries, selected to provide a representative view of the global travel insurance market. The selection criteria included market size, regional significance, varying levels of market maturity, and the availability of reliable data. The countries included are: Argentina, Australia, Austria, Belgium, Brazil, Canada, China, Czech Republic, Finland, France, Germany, Hong Kong, India, Indonesia, Ireland, Italy, Japan, Luxembourg, Malaysia, Mexico, Morocco, Netherlands, New Zealand, Philippines, Portugal, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Thailand, United Arab Emirates, the the UK, and the United States.
2. Timeframe The primary reference year for all key indicators in this barometer is 2025. To provide context and identify trends, historical data from 2015 to 2025 has been included where available. Furthermore, forward-looking forecasts extending to 2030 are provided to offer insights into future market dynamics. It should be noted that for certain indicators, the most recent publicly available data may date from 2023 or 2024. In such cases, these figures were used as a baseline for statistical projections and modeling to generate accurate 2025 estimates.
3. Sources Used This barometer is built upon a multi-source data collection strategy, prioritizing official, public, and cross-validated information to ensure the highest degree of reliability. Estimations are used only when direct data is unavailable and are explicitly labeled as such. The primary categories of sources include:
- National and International Statistical Agencies: Macroeconomic and travel data from organizations such as the OECD, the World Bank, the UN World Tourism Organization (UNWTO), and the World Health Organization (WHO).
- Industry Associations and Insurance Regulators: Market-specific data, reports, and statistics from national and regional insurance bodies. Key sources include the Association of British Insurers (ABI), France Assureurs, Ifop, Gesamtverband der Deutschen Versicherungswirtschaft (GDV), Associazione Nazionale fra le Imprese Assicuratrici (ANIA), UNESPA, the Swiss Insurance Association, the U.S. Travel Insurance Association (UStiA), Insurance Europe, the Canadian Life and Health Insurance Association (CLHIA), Insurance Ireland, Insurance Sweden, the Insurance Council of New Zealand, the Hong Kong Insurance Authority, the Insurance Regulatory and Development Authority of India (IRDAI), the Mexican Association of Insurance Institutions (AMIS), Autorité de Contrôle des Assurances et de la Prévoyance Sociale (ACAPS), Associação Portuguesa de Seguradores (APS), the Monetary Authority of Singapore (MAS), the Insurance Association of Vietnam, the South African Insurance Association (SAIA), and other national federations.
- Market Research and Consulting Reports: In-depth analyses from specialized firms such as IBISWorld, Finaccord, Mordor Intelligence, and Grand View Research.
- Public Financial Disclosures: Annual reports, investor presentations, and regulatory filings from publicly listed insurers and reinsurers.
- Digital Platforms and Insurtech Studies: Data and insights from major Online Travel Agencies (OTAs), comparison platforms like Squaremouth, and specialized insurtechs such as Cover Genius.
- Consumer Surveys and Reputable Media: Findings from consumer behavior studies and reports from major financial and industry-specific press outlets.
4. Data Modeling & Estimations To ensure consistency and comparability across all 35 markets, a standardized data processing approach was implemented. Where direct data for a specific indicator was unavailable, particularly for metrics like market share or claim frequencies in certain countries, estimations were derived using established modeling techniques. For instance, when direct figures were missing for the UK, regional averages or extrapolations based on its market size and known insurance penetration rates were used to create a reliable estimate. Claims data were often averaged across multiple years to mitigate the impact of annual volatility. All financial figures, such as premiums and gross written premium (GWP), were converted to a common currency (USD or EUR) using the International Monetary Fund's reference exchange rates for 2025. Projections to 2030 were calculated based on Compound Annual Growth Rate (CAGR) assumptions derived from historical growth, current market dynamics, and analyst consensus.
5. Scope of Indicators The barometer is structured to provide a holistic view of each market by analyzing both supply-side and demand-side indicators. The supply-side analysis covers the competitive landscape, key insurers, product offerings, market structure, and technological innovations. The demand-side analysis focuses on consumer behavior, penetration rates, claim patterns, and the adoption of digital channels. Each section was designed to enable direct cross-country comparison while carefully preserving the unique local specificities of each market, including its legal environment, typical product formats, and cultural habits. This dual approach ensures that the barometer serves as both a global benchmark and a practical guide to the nuances of individual national markets.
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