Royal & Sun Alliance
Insurance plc
and U.K. subsidiaries listed in the Notes to the Return
Annual PRA Insurance Returns
for the year ended 31 December 2014
PRA
Accounts and Statements pursuant to the Prudential Regulation Authority’s
Accounts and Statements Rules
Appendices 9.1,9.2,9.5 and 9.6 General business only
Royal & Sun Alliance Insurance plc
Year ended 31 December 2014
Contents
Page
Form 1 – Statement of solvency – general insurance business 1 Form 3 – Components of capital resources 2 Form 11 – Calculation of general insurance capital requirement – premiums amount 5 and brought forward amount Form 12 – Calculation of general insurance and capital requirement – claims amount 6
and result Form 13 – Analysis of admissible assets 7 Form 15 – Liabilities (other than long term insurance business) 10 Form 16 – Profit and Loss Account (non-technical account) 11 Form 17 – Analysis of derivative contracts 12
Form 20A to 39. General business revenue account and additional information 13 Notes to Return 142
Directors’ certificate 157
Report of the Auditors 158 Statement required by Rule 9 paragraph 9.29 159 Statement required by Rule 9 paragraph 9.30 160 Subsidiaries included in this Group Return 161 Solvency forms 162 Additional information required by Rule 9.32 of the Accounts and Statements Rules 173 Additional information on financial reinsurance and financing arrangements 175 required by Rule 9.32A of the Accounts and Statements Rules Additional information required by Rule 9.25 of the Accounts and Statements Rules 176
Additional information required by Rule 9.26 of the Accounts and Statements Rules 177 Additional information required by Rule 9.27 of the Accounts and Statements Rules 178 Summary of reinsurance arrangements 179
17032015:19:37:11
1
Form 1
Statement of solvency - general insurance business
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Adjusted solo solvency calculation Company GL/registration UK/ day month year Units number CM
R1 93792 GL 31 12 2014 £000
As at end of As at end ofthis financial the previous
year year
1 2
Capital resources
Capital resources arising outside the long-term insurance fund 11 3277931 2040723
12
13 3277931 2040723
Guarantee fund
Guarantee fund requirement 21 1043848 1204884
22 1656064 835839
Minimum capital requirement (MCR)
General insurance capital requirement 31 612362 629044
Base capital resources requirement 33 2902 3146
Individual minimum capital requirement 34 612362 629044
Capital requirements of regulated related undertakings 35 839727 995203
Minimum capital requirement (34+35) 36 1452089 1624247
Excess (deficiency) of available capital resources to cover 50% of MCR 37 2053136 1228599
Excess (deficiency) of available capital resources to cover 75% of MCR 38 1690114 822538
Capital resources requirement (CRR)
Capital resources requirement 41 1452089 1624247
42 1825842 416476
Contingent liabilities
51
Capital resources allocated towards long-term insurance business arising outside the long-term insurance fund
Capital resources available to cover general insurance business capital resources requirement (11-12)
Excess (deficiency) of available capital resources to cover guarantee fund requirement
Excess (deficiency) of available capital resources to cover general insurance business CRR (13-41)
Quantifiable contingent liabilities in respect of other than long-term insurance business as shown in a supplementary note to Form 15
17032015:19:37:11
2
Form 3(Sheet 1)
Components of capital resources
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company GL/registration UK/ Units number CM
R3 GL 31 12 2014 £000
General Long-term Total as at Total as atinsurance insurance the end of the end of business business this financial the previous
year year1 2 3 4
Core tier one capital
Permanent share capital 11 1126692 1126692 1127773
Profit and loss account and other reserves 12 112967 112967 (223601)
13 2642444 2642444 2646263
Positive valuation differences 14 49682
15
16
Core tier one capital (sum of 11 to 16) 19 3882103 3882103 3600117
Tier one waivers
21
Implicit Items 22
Tier one waivers in related undertakings 23
24
Other tier one capital
25
26
27 77721 77721 77721
28
31 3959824 3959824 3677838
32
33 27217 27217 20561
34 346888 346888 351386
35 90216 90216
36 638601 638601 946383
37 1102922 1102922 1318330
39 2856902 2856902 2359508
Deductions from tier one (32 to 36)
Total tier one capital after deductions (31-37)
Total tier one capital before deductions (19+24+25+26+27+28)Investments in own shares
Intangible assets
Amounts deducted from technical provisions for discounting
Other negative valuation differences
Deductions in related undertakings
Innovative tier one capital in related undertakings
day month year
93792
Share premium account
Fund for future appropriations
Core tier one capital in related undertakings
Unpaid share capital / unpaid initial funds and calls for supplementary contributions
Total tier one waivers as restricted (21+22+23)
Perpetual non-cumulative preference shares as restricted
Perpetual non-cumulative preference shares in related undertakings
Innovative tier one capital as restricted
17032015:19:37:11
3
Form 3(Sheet 2)
Components of capital resources
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company GL/registration UK/ Units number CM
R3 GL 31 12 2014 £000
General Long-term Total as at Total as atinsurance insurance the end of the end of business business this financial the previous
year year1 2 3 4
Tier two capital
41
42
43
44
45
46 294000
Upper tier two capital in related undertakings 47
Upper tier two capital (44 to 47) 49 294000
Fixed term preference shares 51
Other tier two instruments 52 892000 892000 492000
Lower tier two capital in related undertakings 53
Lower tier two capital (51+52+53) 59 892000 892000 492000
61 892000 892000 786000
Excess tier two capital 62
63
69 892000 892000 786000 Total tier two capital after restrictions, before deductions (61-62-63)
day month year
93792
Implicit items, (tier two waivers and amounts excluded from line 22)Perpetual non-cumulative preference shares excluded from line 25
Innovative tier one capital excluded from line 27
Tier two waivers, innovative tier one capital and perpetual non-cumulative preference shares treated as tier two capital (41 to 43)
Perpetual cumulative preference shares
Perpetual subordinated debt and securities
Total tier two capital before restrictions (49+59)
Further excess lower tier two capital
17032015:19:37:11
4
Form 3(Sheet 3)
Components of capital resources
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company GL/registration UK/ Units number CM
R3 GL 31 12 2014 £000
General Long-term Total as at Total as atinsurance insurance the end of the end of business business this financial the previous
year year1 2 3 4
Total capital resources
71
72 3748902 3748902 3145508
73 329950 329950 471772
74 141021 141021 633013
75
76
77
79 3277931 3277931 2040723
Available capital resources for GENPRU/INSPRU tests
81 2699912 2699912 2040723
82 2779181 2779181 2040723
83 2779181 2779181 2040723
Financial engineering adjustments
91
92
93
94
95
96
Any other charges on future profits
Sum of financial engineering adjustments(91+92-93+94+95)
Available capital resources for 50% MCR requirement
Available capital resources for 75% MCR requirement
Implicit items
Financial reinsurance - ceded
Financial reinsurance - accepted
Outstanding contingent loans
Available capital resources for guarantee fund requirement
day month year
93792
Positive adjustments for regulated non-insurance related undertakingsTotal capital resources before deductions (39+69+71)
Inadmissible assets other than intangibles and own shares
Assets in excess of market risk and counterparty limits
Deductions for related ancillary services undertakings
Deductions for regulated non-insurance related undertakings
Deductions of ineligible surplus capital
Total capital resources after deductions (72-73-74-75-76-77)
17032015:19:37:11
5
Form 11
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
General insurance businessCompany GL/registration UK/ day month year Unitsnumber CM
R11 93792 GL 31 12 2014 £000This financial year Previous year
1 2
11 3896435 4222284
12
13 3896435 4222284
14 452050 468780
15
16 4122460 4456674
21 3929994 4128577
22
23 3929994 4128577
24 464563 499803
25
26 4162276 4378479
30 4162276 4456674
31
32 749210 802201
33 82284 88091
34 666926 714110
41 8579929 8595773
42 315961 656266
43 4871082 4860492
44 824461 1075315
45 4960551 4959536
46 7981960 8077681
47 794044 962225
48 7187916 7115456
49 0.90 0.88
50 600580 629044
51 4285678 4402430
52
53 612362 621765
54 612362 629044
Provision for claims outstanding (before discounting and gross of reinsurance) if both 51.1 and 51.2 are zero, otherwise zeroBrought forward amount (See instruction 4)
Greater of lines 50 and 53
Sub-total C (41+42+43-44-45)Amounts recoverable from reinsurers in respect of claims included in Sub-total CSub-total D (46-47)Reinsurance Ratio(Sub-total D /sub-total C or, if more, 0.50 or, if less, 1.00)Premiums amount (Sub-total J x reinsurance ratio) Provision for claims outstanding (before discounting and net of reinsurance
Claims outstanding brought forward at the beginning of the 3 year period
For insurance business accounted for on an underwriting year basisFor insurance business accounted for on an accident year basis
Sub-total H (23 + 1/2 24 - 2/3 25)
Sub-total I (higher of sub-total A and sub-total H)Adjusted sub-total I if financial year is not a 12 month period to produce an annual figure
Division of gross adjusted premiums amount sub-total I (or adjusted sub-total I if appropriate)
x 0.18
Excess (if any) over 61.3M EURO x 0.02
Sub-total J (32-33)
Claims paid in period of 3 financial years
Claims outstanding carried forward at the end of the 3 year period
For insurance business accounted for on an underwriting year basisFor insurance business accounted for on an accident year basis
Premiums for "actuarial health insurance" (included in line 23)
Calculation of general insurance capital requirement - premiums amount and brought forward amount
Gross premiums written
Premiums taxes and levies (included in line 11)
Premiums written net of taxes and levies (11-12)
Premiums for classes 11, 12 or 13 (included in line 13)
Premiums for "actuarial health insurance" (included in line 13)
Sub-total A (13 + 1/2 14 - 2/3 15)
Gross premiums earned
Premium taxes and levies (included in line 21)
Premiums earned net of taxes and levies (21-22)
Premiums for classes 11, 12 or 13 (included in line 23)
17032015:19:37:11
6
Form 12
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
General insurance businessCompany GL/registration UK/ day month year Unitsnumber CM
R12 93792 GL 31 12 2014 £000
This financial year Previous year1 2
11 36 36
21 8579929 8595773
22 315961 656266
23 4871082 4860492
24 824461 1075315
25 4960551 4959536
26 7981960 8077681
27 1274522 1172252
28
29 8619221 8663807
31 2873074 2887936
32 746999 750863
33 85183 85544
39 661816 665319
41 595979 586066
42 612362 629044
43 612362 629044
Claims amount Sub-total G x reinsurance ratio (11.49)
Higher of premiums amount and brought forward amount (11.54)
General insurance capital requirement (higher of lines 41 and 42)
Sub-total E (26 +1/2 27 - 2/3 28)
Sub-total F - Conversion of sub-total E to annual figure (multiply by 12 and divide by number of months in the reference period)
Division of sub-total F(gross adjusted claims amount)
x 0.26
Excess (if any) over 42.9M EURO x 0.03
Sub-total G (32-33)
Claims incurred for "actuarial health insurance" (included in 26)
Calculation of general insurance capital requirement - claims amount and result
Reference period (No. of months) See INSPRU 1.1.63R
Claims paid in reference period
Claims outstanding carried forward at the end of the reference period
For insurance business accounted for on an underwriting year basis
For insurance business accounted foron an accident year basis
Claims outstanding brought forward at the beginning of the reference period
For insurance business accounted for on an underwriting year basis
For insurance business accounted foron an accident year basis
Claims incurred in reference period (21+22+23-24-25)
Claims incurred for classes 11, 12 or 13 (included in 26)
17032015:19:37:11
7
Form 13(Sheet 1)
Analysis of admissible assets
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Category of assets Total other than long term insurance business assetsCompany GL/ Categoryregistration UK/ day month year Units ofnumber CM assets
R13 93792 GL 31 12 2014 £000 1
As at end of this financial year
As at end of the previous year
1 2Land and buildings 11 362077 305760
21 17649 16485
2223 3393980 2816683
24 116066
25 2959417 4645498
26 19125 930637
27282930
Other financial investments
Equity shares 41 16541 243071
Other shares and other variable yield participations 42Holdings in collective investment schemes 43 240167 95992
Rights under derivative contracts 44 50382 57574
45 1340250 1107451
46 3424150 2384464
47 11717
48 109590 49494
Participation in investment pools 49Loans secured by mortgages 50 17 347
51 8
52Other loans 53 6687 10889
54 10416 63153
55 83889
Other financial investments 56Deposits with ceding undertakings 57 947 1248
5859
Assets held to match linked liabilitiesIndex linked
Property linked
Variable interest securitiesApproved
Other
Loans to public or local authorities and nationalised industries or undertakings
Loans secured by policies of insurance issued by the company
Bank and approved credit & financial institution deposits
One month or less withdrawal
More than one month withdrawal
Participating interestsShares
Debts and loans
Fixed interest securitiesApproved
Other
Non-insurance dependantsShares
Debts and loans
Other group undertakingsShares
Debts and loans
Investments in group undertakings and participating interests
UK insurance dependantsShares
Debts and loans
Other insurance dependantsShares
Debts and loans
17032015:19:37:11
8
Form 13(Sheet 2)
Analysis of admissible assets
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Category of assets Total other than long term insurance business assetsCompany GL/ Categoryregistration UK/ day month year Units ofnumber CM assets
R13 93792 GL 31 12 2014 £000 1
As at end of this financial year
As at end of the previous year
1 2
60 569413 254563
61 901365 1046370
62
63
71 360573 376936
72 1320928 1361908
7374 80114 89297
75 214190 166801
76 143156 162413
7778 143598 160160
79
80 91588 93631
81 191268 309976
82 9 25
83
84 61859 57170
85 433038 459812
86 68793 77972
87
89 16742959 17345788
Deferred acquisition costs (general business only)
Other prepayments and accrued income
Deductions from the aggregate value of assets
Grand total of admissible assets after deduction of admissible assetsin excess of market risk and counterparty limits (11 to 86 less 87)
Other assets
Tangible assets
Deposits not subject to time restriction on withdrawal with approvedinstitutions
Cash in hand
Other assets (particulars to be specified by way of supplementary note)
Accrued interest and rent
Dependantsdue in 12 months or less
due in more than 12 months
Otherdue in 12 months or less
due in more than 12 months
Direct insurance businessPolicyholders
Intermediaries
Salvage and subrogation recoveries
ReinsuranceAccepted
Ceded
Debtors and salvage
Reinsurers' share of technical provisions
Provision for unearned premiums
Claims outstanding
Provision for unexpired risks
Other
17032015:19:37:11
9
Form 13(Sheet 3)
Analysis of admissible assets
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Category of assets Total other than long term insurance business assetsCompany GL/ Categoryregistration UK/ day month year Units ofnumber CM assets
R13 93792 GL 31 12 2014 £000 1
As at end of this financial year
As at end of the previous year
1 2
91 16742959 17345788
92 141021 633013
93 222235 314711
94 839727 995203
95
96 768134 1115529
97
98 (86996) (86783)
99
100 (46399) (56230)
101 92395 95260
102 18673075 20356491
103 168511 57488
Total assets determined in accordance with the insurance accountsrules or international accounting standards as applicable to the firmfor the purpose of its external financial reporting (91 to 101)
Amounts included in line 89 attributable to debts due from relatedinsurers, other than those under contracts of insurance or reinsurance
Inadmissible assets of regulated related undertakings
Book value of related ancillary services undertakings
Other differences in the valuation of assets (other than for assetsnot valued above)
Deferred acquisition costs excluded from line 89
Reinsurers' share of technical provisions excluded from line 89
Other asset adjustments (may be negative)
Ineligible surplus capital and restricted assets in regulated related insurance undertakings
Reconciliation to asset values determined in accordance with the insurance accounts rules or international accounting standards as applicable to the firm for the purpose of its external financial reporting
Total admissible assets after deduction of admissible assetsin excess of market risk and counterparty limits (as per line 89 above)
Admissible assets in excess of market and counterparty limits
Inadmissible assets directly held
Capital resources requirement deduction of regulated related undertakings
17032015:19:37:11
10
Form 15
Liabilities (other than long term insurance business)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company GL/registration UK/ day month year Unitsnumber CM
R15 93792 GL 31 12 2014 £000As at end of As at end ofthis financial the previous
year year1 2
Technical provisions (gross amount)
Provisions for unearned premiums 11 2318714 2365434
Claims outstanding 12 5187043 5448800
Provision for unexpired risks 13 Credit business 14 Other than credit business 15 335281 321828
Other technical provisions 16Total gross technical provisions (11 to 16) 19 7841038 8136062
Provisions and creditors
Taxation 21 2138 299
Other risks and charges 22 143175 176870
Deposits received from reinsurers 31 3688 4209
Direct insurance business 41 134569 137942
Reinsurance accepted 42 450329 82482
Reinsurance ceded 43 92971 188283
Secured 44 Unsecured 45
Amounts owed to credit institutions 46 341784 363638
Taxation 47 Foreseeable dividend 48 Other 49 5061232 6981784
Accruals and deferred income 51 228860 215232
Total (19 to 51) 59 14299784 16286801
Provision for "reasonably foreseeable adverse variations" 61Cumulative preference share capital 62Subordinated loan capital 63 569721 863721
Total (59 to 63) 69 14869505 17150522
71 4881
Amounts deducted from technical provisions for discounting 82 393287 407616
Other adjustments (may be negative) 83 (81500) 65600
Capital and reserves 84 4278357 3547985
85 18673075 20356491 Total liabilities under insurance accounts rules or international accounting standards as applicable to the firm for the purpose of its external financial reporting (69-82+83+84)
Equalisation provisions
Provisions
Creditors
Debenture loans
Creditors
Amounts included in line 69 attributable to liabilities to related insurers, other than those under contracts of insurance or reinsurance
17032015:19:37:11
11
Form 16
Profit and loss account (non-technical account)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company GL/registration UK/ day month year Unitsnumber CM
R16 93792 GL 31 12 2014 £000
This financial Previousyear year
1 2
From Form 20 11 (47107) (93896)
Equalisation provisions 12 (13453) (21668)
13
14 2327198 596441
Investment income 15 193322 18041
16 128099 38075
17 147704 137426
Investment charges 18 1967302 778248
19 18696 58295
20
21 (21061) (285381)
29 433296 (722357)
Tax on profit or loss on ordinary activities 31 98022 (79896)
Profit or loss on ordinary activities after tax (29-31) 39 335274 (642461)
41
Tax on extraordinary profit or loss 42
Other taxes not shown under the preceding items 43
Profit or loss for the financial year (39+41-(42+43)) 49 335274 (642461)
Dividends (paid or foreseeable) 51 400000
Profit or loss retained for the financial year (49-51) 59 335274 (1042461)
Extraordinary profit or loss (particulars to be specified by way of supplementary note)
Transfer (to)/from the general insurance business technical account
Transfer from the long term insurance businessrevenue account
Income
Value re-adjustments on investmentsGains on the realisation of investmentsInvestment management charges, including interestValue re-adjustments on investmentsLoss on the realisation of investments
Allocated investment return transferred to the general insurance business technical accountOther income and charges (particulars to be specified by way of supplementary note)Profit or loss on ordinary activities before tax (11+12+13+14+15+16-17-18-19-20+21)
17032015:19:37:11
12
Form 17
Analysis of derivative contracts
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Category of assets Total other than long term insurance business assets
Company GL/ Categoryregistration UK/ day month year Units ofnumber CM assets
R17 93792 GL 31 12 2014 £000 1
Derivative contracts
Assets Liabilities Bought / Long Sold / Short
1 2 3 4
11Interest rates 12Inflation 13 28017 28993 180000 180000
Credit index / basket 14Credit single name 15
16Equity stock 17Land 18Currencies 19 22166 20199 1015948 1518053
Mortality 20Other 21 199 19507 290293
31Equity index calls 32Equity stock calls 33Equity index puts 34Equity stock puts 35Other 36Swaptions 41Equity index calls 42Equity stock calls 43Equity index puts 44Equity stock puts 45Other 46
Total (11 to 46) 51 50382 68699 1195948 1988346
5253 50382 68699
Out of the money options
Adjustment for variation margin
Total (51 + 52)
THE NOTIONAL AMOUNTS IN COLUMNS 3 AND 4 ARE NOT A MEASURE OF EXPOSURE. Please see instructions 11 and 12 to this Form for the meaning of these figures.
Value as at the endof this financial year
Notional amount as at the endof this financial year
Futures and contracts for differences
Fixed-interest securities
Equity index
In the money options
Swaptions
17032015:19:37:11
13
Form 20AGeneral insurance business : Summary of business carried on (Sheet 1)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company registration number
GL/UK/CM
day month year units
R20A 93792 GL
Reported Incurred but not reported
1 2 3 4
001 1 3896435 3410253 1690765 2318325
002 2 3735355 3185423 1657089 2248904
003 3 161080 224830 33676 69421
110 4 57190 31929 7319 26475
120 5 360830 510001 115493 165202
160 6 731710 132591 42528 352021
180 7 309558 8245 34564 152077
220 8 630068 510407 144691 754931
260 9 857175 532195 88206 431951
270 10 423047 1115253 1147985 193547
280 11 14907 21285 2118 12522
330 12 22381 10026
340 13 173507 182605 61027 86555
350 14 177364 118530 3132 73623
400 15
500 16 53520 57582 3276
600 17 107561 167248 30401 69421
700 18
20 3896435 3410253 1690765 2318325
Miscellaneous treaty reinsurance accepted business
Total (lines 4 to 18)
Total primary (direct) and facultative aviation(category numbers 331 to 333)
Total primary (direct) and facultative marine(category numbers 341 to 347)
Total primary (direct) and facultative goods in transit
Miscellaneous primary (direct) and facultative business
Total non-proportional treaty reinsurance businessaccepted (category numbers 510 to 590)
Total proportional treaty reinsurance businessaccepted (category numbers 610 to 690)
Total primary (direct) and facultative commercial linesfinancial loss (category numbers 281 to 284)
Total business
Total primary (direct) and facultative business
Total treaty reinsurance accepted business
Total primary (direct) and facultative accident andhealth (category numbers 111 to 114)
Total primary (direct) and facultative personal linesmotor business (category numbers 121 to 123)
Primary (direct) and facultative household anddomestic all risks
Total primary (direct) and facultative personal linesfinancial loss (category numbers 181 to 187)
Total primary (direct) and facultative commercial motorbusiness (category numbers 221 to 223)
Total primary (direct) and facultative commercial linesproperty (category numbers 261 to 263)
Total primary (direct) and facultative commercial linesliability business (category numbers 271 to 274)
31 12 2014 £000
Category number
PRA return general insurance business reporting category
Gross Premium written in this financial year
Provision for undiscounted gross claims outstanding at the
end of this financial year
Provision for gross unearned premium at the
end of this financial year
17032015:19:37:11
14
Form 20AGeneral insurance business : Summary of business carried on (Sheet 2)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company registration number
GL/UK/CM
day month year units
93792 GL
Reported Incurred but not reported
1 2 3 4
111 21 827 36 8 581 112 22 1977 110 6 964 113 23 5261 991 237 1186 114 24 49125 30793 7068 23744 121 25 311107 424782 110080 144503 122 26 43859 67311 2265 18293 123 27 5863 17908 3148 2406 160 28 731710 132591 42528 352021 181 29 18860 169 62 8808 182 30 1681 466 183 31184 32 13626 2101 165 6747 185 33186 34 262385 5446 34326 130265 187 35 13006 63 11 6258
221 41 538207 422434 125894 711043 222 42 91861 87974 18797 43888 223 43261 44 559358 287220 63882 253094 262 45 82622 81346 10671 34074 263 46 215195 163630 13653 144783 271 47 97592 411567 911207 46646 272 48 110753 177834 140636 53519 273 49 157079 502679 94043 67061 274 50 57623 23172 2099 26321 281 51 8157 2117 1 6098 282 52283 53 6750 19168 2117 6424 284 54
331 61 22282 9990 332 62 99 36 333 63Space and satellite
Employers liabilityProfessional indemnityPublic and products liabilityMixed commercial packageFidelity and contract guaranteeCreditSuretyshipCommercial contingency
Primary (direct) and facultative aviationAviation liabilityAviation hull
Contractors or engineering all risks
Extended warrantyLegal expensesMortgage indemnityPet insuranceOther personal financial loss
Primary (direct) and facultative commercial lines businessFleetsCommercial vehicles (non-fleet)Motor otherCommercial propertyConsequential loss
Creditor
Primary (direct) and facultative personal lines businessMedical insuranceHealthCare cash plansTravelPersonal accident or sicknessPrivate motor - comprehensivePrivate motor - non-comprehensiveMotor cycleHousehold and domestic all risks (equals line 6)Assistance
R20A 31 12 2014 £000
Category number
PRA return general insurance business reporting category
Gross Premium written in this financial year
Provision for undiscounted gross claims outstanding at the
end of this financial year
Provision for gross unearned premium at the
end of this financial year
17032015:19:37:11
15
Form 20AGeneral insurance business : Summary of business carried on (Sheet 3)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014Company registration number
GL/UK/CM
day month year units
93792 GL
Reported Incurred but not reported
1 2 3 4
341 64 32788 27271 7634 12851 342 65 99181 119820 50365 61429 343 66 14692 238 344 67345 68 14531 10466 1478 2096 346 69 15662 3017 (191) 6065 347 70 11345 7339 1502 4113
350 71 177364 118530 3132 73623
Primary (direct) and facultative miscellaneous
400 72
510 81 2674 14714 520 82 1374 3226 165 530 83 454 69 540 84 7450 2946 1 550 85 1496 1615 2 560 86 40307 34521 3039 570 87 86 107 580 88 132 590 89
610 91 2510 19862 7 1387 620 92 17926 630 93 497 186 640 94 2866 6900 1199 650 95 540 338 660 96 95757 79822 17829 63718 670 97 137 41774 12023 43 680 98 5752 129 355 3074 690 99
Treaty Reinsurance Miscellaneous
700 101
111 3896435 3410253 1690765 2318325
Proportional aggregate cover
Miscellaneous treaty reinsurance accepted business (equals line 18)
Total (lines 21 to 101)
Proportional aviationProportional marineProportional transportProportional propertyProportional liability (non-motor)Proportional financial lines
Proportional motor
Non-proportional accident and healthNon-proportional motorNon-proportional aviationNon-proportional marineNon-proportional transportNon-proportional propertyNon-proportional liability (non-motor)Non-proportional financial linesNon-proportional aggregate cover
Proportional treatyProportional accident and health
Non-proportional treaty
Primary (direct) and facultative marine and transportMarine liabilityMarine hullEnergy (on and off-shore)Protection and indemnityFreight demurrage and defenceWar risksYachtTotal primary (direct) and facultative goods in transit (equals line 14)
Miscellaneous primary (direct) and facultative business (equals line 15)
R20A 31 12 2014 £000
Category number
PRA return general insurance business reporting category
Gross Premium written in this financial year
Provision for undiscounted gross claims outstanding at the
end of this financial year
Provision for gross unearned premium at the
end of this financial year
17032015:19:37:11
16
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 001
This financial year Previous year1 2
Earned premium (21.19.5) 11 3187693 3293145
Claims incurred (22.17.4) 12 1978421 2081884
This year's underwriting Claims management costs (22.18.4) 13 140701 149214
(accident year accounting) Adjustment for discounting (22.52.4) 14 829 600
15
16 49322 49725
Net operating expenses (22.42.4) 17 1131993 1172841
19 (13271) (60470)
Earned premium (21.11.5) 21 (6611) (4902)
Claims incurred (22.13.4) 22 1435 2471
Adjustment forClaims management costs (22.14.4) 23 13965 14752
prior years' underwriting Adjustment for discounting (22.51.4) 24 (4171) (61859)
(accident year accounting) 25
Net operating expenses (22.41.4) 26 (1572) (234)
Balance (21-22-23+24+25-26) 29 (24610) (83750)
Balance fromPer Form 24 (24.69.99-99) 31 (9226) 50324
underwriting year
32
accounting Total 39 (9226) 50324
Balance of all years' underwriting (19+29+39) 49 (47107) (93896)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (47107) (93896)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
17
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 002
This financial year Previous year1 2
Earned premium (21.19.5) 11 3175362 3270191
Claims incurred (22.17.4) 12 1976505 2060887
This year's underwriting Claims management costs (22.18.4) 13 140592 149009
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16 49322 49725
Net operating expenses (22.42.4) 17 1129239 1169443
19 (21652) (59423)
Earned premium (21.11.5) 21 (6611) (4902)
Claims incurred (22.13.4) 22 2341 2463
Adjustment forClaims management costs (22.14.4) 23 13965 14752
prior years' underwriting Adjustment for discounting (22.51.4) 24 (3571) (61859)
(accident year accounting) 25
Net operating expenses (22.41.4) 26 (1572) (234)
Balance (21-22-23+24+25-26) 29 (24917) (83742)
Balance fromPer Form 24 (24.69.99-99) 31 (9693) 35155
underwriting year
32
accounting Total 39 (9693) 35155
Balance of all years' underwriting (19+29+39) 49 (56262) (108010)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (56262) (108010)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
18
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total treaty reinsurance accepted business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 003
This financial year Previous year1 2
Earned premium (21.19.5) 11 12331 22954
Claims incurred (22.17.4) 12 1916 20997
This year's underwriting Claims management costs (22.18.4) 13 109 205
(accident year accounting) Adjustment for discounting (22.52.4) 14 829 600
15
16
Net operating expenses (22.42.4) 17 2754 3398
19 8382 (1047)
Earned premium (21.11.5) 21
Claims incurred (22.13.4) 22 (906) 8
Adjustment forClaims management costs (22.14.4) 23
prior years' underwriting Adjustment for discounting (22.51.4) 24 (600)
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 306 (8)
Balance fromPer Form 24 (24.69.99-99) 31 467 15169
underwriting year
32
accounting Total 39 467 15169
Balance of all years' underwriting (19+29+39) 49 9155 14114
Allocated investment income 51
Transfer to non-technical account (49+51) 59 9155 14114
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
19
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative accident and health
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 110
This financial year Previous year1 2
Earned premium (21.19.5) 11 59818 62366
Claims incurred (22.17.4) 12 34442 36973
This year's underwriting Claims management costs (22.18.4) 13 2440 1825
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 19870 18504
19 3067 5063
Earned premium (21.11.5) 21 425 418
Claims incurred (22.13.4) 22 (2251) (3161)
Adjustment forClaims management costs (22.14.4) 23 27 38
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 2649 3541
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 5715 8604
Allocated investment income 51
Transfer to non-technical account (49+51) 59 5715 8604
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
20
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative personal lines motor business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 120
This financial year Previous year1 2
Earned premium (21.19.5) 11 374013 475949
Claims incurred (22.17.4) 12 272849 355902
This year's underwriting Claims management costs (22.18.4) 13 33265 41869
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 112151 137606
19 (44253) (59427)
Earned premium (21.11.5) 21 (3) 27
Claims incurred (22.13.4) 22 (42613) (13801)
Adjustment forClaims management costs (22.14.4) 23 362 392
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 42247 13435
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 (2006) (45992)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (2006) (45992)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
21
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Primary (direct) and facultative household and domestic all risks
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 160
This financial year Previous year1 2
Earned premium (21.19.5) 11 704139 680214
Claims incurred (22.17.4) 12 310908 286902
This year's underwriting Claims management costs (22.18.4) 13 26049 23052
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 310971 303823
19 56210 66437
Earned premium (21.11.5) 21 227
Claims incurred (22.13.4) 22 6252 (6699)
Adjustment forClaims management costs (22.14.4) 23 81 45
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 (6333) 6880
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 49878 73317
Allocated investment income 51
Transfer to non-technical account (49+51) 59 49878 73317
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
22
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative personal lines financial loss business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 180
This financial year Previous year1 2
Earned premium (21.19.5) 11 299936 284084
Claims incurred (22.17.4) 12 184206 164826
This year's underwriting Claims management costs (22.18.4) 13 11629 11205
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 91762 88000
19 12339 20053
Earned premium (21.11.5) 21 (2) (11061)
Claims incurred (22.13.4) 22 2763 (19390)
Adjustment forClaims management costs (22.14.4) 23 25 1
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 (2790) 8329
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 9549 28382
Allocated investment income 51
Transfer to non-technical account (49+51) 59 9549 28382
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
23
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial motor business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 220
This financial year Previous year1 2
Earned premium (21.19.5) 11 488899 575571
Claims incurred (22.17.4) 12 386997 483335
This year's underwriting Claims management costs (22.18.4) 13 25982 26866
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 88876 87487
19 (12956) (22117)
Earned premium (21.11.5) 21 (148) (1608)
Claims incurred (22.13.4) 22 (27225) (27045)
Adjustment forClaims management costs (22.14.4) 23 161 204
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26 8
Balance (21-22-23+24+25-26) 29 26917 25225
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 13961 3108
Allocated investment income 51
Transfer to non-technical account (49+51) 59 13961 3108
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
24
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial lines property business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 260
This financial year Previous year1 2
Earned premium (21.19.5) 11 529440 554734
Claims incurred (22.17.4) 12 310448 323315
This year's underwriting Claims management costs (22.18.4) 13 19815 18902
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16 49322 49725
Net operating expenses (22.42.4) 17 256303 276513
19 (7803) (14271)
Earned premium (21.11.5) 21 (881) 6107
Claims incurred (22.13.4) 22 (29449) (40838)
Adjustment forClaims management costs (22.14.4) 23 135 (1295)
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26 (70) (242)
Balance (21-22-23+24+25-26) 29 28503 48483
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 20700 34211
Allocated investment income 51
Transfer to non-technical account (49+51) 59 20700 34211
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
25
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial lines liability business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 270
This financial year Previous year1 2
Earned premium (21.19.5) 11 385969 403917
Claims incurred (22.17.4) 12 256773 252713
This year's underwriting Claims management costs (22.18.4) 13 15969 21725
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 148066 168446
19 (34839) (38967)
Earned premium (21.11.5) 21 1460 986
Claims incurred (22.13.4) 22 95931 109253
Adjustment forClaims management costs (22.14.4) 23 12178 15022
prior years' underwriting Adjustment for discounting (22.51.4) 24 (3571) (61859)
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 (110221) (185148)
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 (145060) (224115)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (145060) (224115)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
26
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative aviation business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 330
This financial year Previous year1 2
Earned premium (21.19.5) 11
Claims incurred (22.17.4) 12
This year's underwriting Claims management costs (22.18.4) 13
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17
19
Earned premium (21.11.5) 21
Claims incurred (22.13.4) 22
Adjustment forClaims management costs (22.14.4) 23
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29
Balance fromPer Form 24 (24.69.99-99) 31 1430 2306
underwriting year
32
accounting Total 39 1430 2306
Balance of all years' underwriting (19+29+39) 49 1430 2306
Allocated investment income 51
Transfer to non-technical account (49+51) 59 1430 2306
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
27
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative marine business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 340
This financial year Previous year1 2
Earned premium (21.19.5) 11 165435 112926
Claims incurred (22.17.4) 12 112709 61582
This year's underwriting Claims management costs (22.18.4) 13 1426 719
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 52187 44998
19 (889) 5628
Earned premium (21.11.5) 21 (7938)
Claims incurred (22.13.4) 22 2944 2730
Adjustment forClaims management costs (22.14.4) 23 499 335
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26 (1121)
Balance (21-22-23+24+25-26) 29 (10260) (3065)
Balance fromPer Form 24 (24.69.99-99) 31 (15424) 38411
underwriting year
32
accounting Total 39 (15424) 38411
Balance of all years' underwriting (19+29+39) 49 (26572) 40974
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (26572) 40974
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
28
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Primary (direct) and facultative goods in transit
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 350
This financial year Previous year1 2
Earned premium (21.19.5) 11 153536 107065
Claims incurred (22.17.4) 12 103028 87681
This year's underwriting Claims management costs (22.18.4) 13 3461 2395
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 44319 39601
19 2728 (22612)
Earned premium (21.11.5) 21 459
Claims incurred (22.13.4) 22 (3705) 1526
Adjustment forClaims management costs (22.14.4) 23 517
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26 (381)
Balance (21-22-23+24+25-26) 29 4028 (1526)
Balance fromPer Form 24 (24.69.99-99) 31 4301 (5563)
underwriting year
32
accounting Total 39 4301 (5563)
Balance of all years' underwriting (19+29+39) 49 11057 (29700)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 11057 (29700)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
29
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Balance of all primary (direct) and facultative business
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 409
This financial year Previous year1 2
Earned premium (21.19.5) 11 14177 13365
Claims incurred (22.17.4) 12 4144 7658
This year's underwriting Claims management costs (22.18.4) 13 556 452
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 4734 4466
19 4743 790
Earned premium (21.11.5) 21 17 1
Claims incurred (22.13.4) 22 (307) (111)
Adjustment forClaims management costs (22.14.4) 23 (19) 9
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 343 104
Balance fromPer Form 24 (24.69.99-99) 31
underwriting year
32
accounting Total 39
Balance of all years' underwriting (19+29+39) 49 5086 894
Allocated investment income 51
Transfer to non-technical account (49+51) 59 5086 894
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
30
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total non-proportional treaty reinsurance business accepted
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 500
This financial year Previous year1 2
Earned premium (21.19.5) 11 1892 1002
Claims incurred (22.17.4) 12 443 2169
This year's underwriting Claims management costs (22.18.4) 13 56 75
(accident year accounting) Adjustment for discounting (22.52.4) 14
15
16
Net operating expenses (22.42.4) 17 646 612
19 747 (1853)
Earned premium (21.11.5) 21
Claims incurred (22.13.4) 22 547 6
Adjustment forClaims management costs (22.14.4) 23
prior years' underwriting Adjustment for discounting (22.51.4) 24
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 (547) (6)
Balance fromPer Form 24 (24.69.99-99) 31 14207 16058
underwriting year
32
accounting Total 39 14207 16058
Balance of all years' underwriting (19+29+39) 49 14406 14199
Allocated investment income 51
Transfer to non-technical account (49+51) 59 14406 14199
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
17032015:19:37:11
31
Form 20
General insurance business : Technical account (excluding equalisation provisions)
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total proportional treaty reinsurance business accepted
Company GL/ Categoryregistration UK/ day month year Units numbernumber CM
R20 93792 600
This financial year Previous year1 2
Earned premium (21.19.5) 11 10440 21951
Claims incurred (22.17.4) 12 1473 18829
This year's underwriting Claims management costs (22.18.4) 13 53 130
(accident year accounting) Adjustment for discounting (22.52.4) 14 829 600
15
16
Net operating expenses (22.42.4) 17 2108 2786
19 7635 806
Earned premium (21.11.5) 21
Claims incurred (22.13.4) 22 (1454) 3
Adjustment forClaims management costs (22.14.4) 23
prior years' underwriting Adjustment for discounting (22.51.4) 24 (600)
(accident year accounting) 25
Net operating expenses (22.41.4) 26
Balance (21-22-23+24+25-26) 29 854 (3)
Balance fromPer Form 24 (24.69.99-99) 31 (13739) (889)
underwriting year
32
accounting Total 39 (13739) (889)
Balance of all years' underwriting (19+29+39) 49 (5251) (85)
Allocated investment income 51
Transfer to non-technical account (49+51) 59 (5251) (85)
Other technical income or charges (particulars to be specified by way of supplementary note)
GL 31 12 2014 £000
Items to be shown net of reinsurance
Increase in provision for unexpired risks(22.19.4)Other technical income or charges (particulars to be specified by way of supplementary note)
Balance of year's underwriting (11-12-13+14-15+16-17)
Other technical income or charges (particulars to be specified by way of supplementary note)
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17032015:19:37:11
47
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 001Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 4717600 1301544 3371272 (44784)
Reinsurers' share 12 820672 190095 584358 (46219)
Net (11-12) 13 3896928 1111449 2786914 1435
Claims management costs 14 79486 37063 56388 13965
Gross amount 15 911921 1417042 2328963
Reinsurers' share 16 104335 246207 350542
Net (15-16) 17 807586 1170835 1978421
Claims management costs 18 115612 25089 140701
Provision for unexpired risks 19
Commissions 21 303897 686905 306118 684684
Other acquisition expenses 22 137001 249445 124873 261572
Net operating expenses Administrative expenses 23 216949 216949
24 13899 32988 14102 32784
Total (21+22+23-24) 29 426999 1120310 416889 1130421
Gross amount 31 384591 374672 (9919)
Reinsurers' share 32 48747 42169 (6578)
Claims management costs 33
Total (31-32+33) 39 335845 332503 (3342)
Prior financial years 41 (1572) (1572)
This financial year 42 426999 1121882 416889 1131993
51 335845 331674 (4171)
52 829 829
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
48
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 002Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 4697909 1284316 3368849 (44744)
Reinsurers' share 12 816053 186604 582363 (47085)
Net (11-12) 13 3881856 1097711 2786486 2341
Claims management costs 14 79469 37052 56382 13965
Gross amount 15 1008098 1315399 2323497
Reinsurers' share 16 102414 244579 346992
Net (15-16) 17 905685 1070820 1976505
Claims management costs 18 115514 25078 140592
Provision for unexpired risks 19
Commissions 21 301640 679477 302949 678167
Other acquisition expenses 22 137001 249445 124873 261572
Net operating expenses Administrative expenses 23 216539 216539
24 12620 28532 12541 28612
Total (21+22+23-24) 29 426020 1116928 415281 1127667
Gross amount 31 383991 373843 (10148)
Reinsurers' share 32 48747 42169 (6578)
Claims management costs 33
Total (31-32+33) 39 335245 331674 (3571)
Prior financial years 41 (1572) (1572)
This financial year 42 426020 1118500 415281 1129239
51 335245 331674 (3571)
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
49
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total treaty reinsurance accepted business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 003Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 19691 17228 2423 (40)
Reinsurers' share 12 4619 3490 1995 866
Net (11-12) 13 15072 13738 428 (906)
Claims management costs 14 17 11 6
Gross amount 15 (96177) 101643 5466
Reinsurers' share 16 1921 1628 3550
Net (15-16) 17 (98099) 100015 1916
Claims management costs 18 98 11 109
Provision for unexpired risks 19
Commissions 21 2257 7428 3169 6517
Other acquisition expenses 22Net operating expenses Administrative expenses 23 410 410
24 1278 4456 1561 4173
Total (21+22+23-24) 29 979 3382 1608 2754
Gross amount 31 600 829 229
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39 600 829 229
Prior financial years 41
This financial year 42 979 3382 1608 2754
51 600 (600)
52 829 829
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
50
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative accident and health
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 110Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 37550 19055 16069 (2425)
Reinsurers' share 12 341 211 (44) (174)
Net (11-12) 13 37209 18845 16114 (2251)
Claims management costs 14 1291 857 462 27
Gross amount 15 11639 23178 34818
Reinsurers' share 16 64 312 375
Net (15-16) 17 11575 22867 34442
Claims management costs 18 1610 830 2440
Provision for unexpired risks 19
Commissions 21 4290 12721 4524 12487
Other acquisition expenses 22 1832 4822 2189 4465
Net operating expenses Administrative expenses 23 2969 2969
24 19 104 72 51
Total (21+22+23-24) 29 6103 20407 6641 19870
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 6103 20407 6641 19870
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
51
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative personal lines motor business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 120Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 694697 164738 483712 (46247)
Reinsurers' share 12 82845 2169 77042 (3635)
Net (11-12) 13 611852 162569 406670 (42613)
Claims management costs 14 15149 3732 11779 362
Gross amount 15 143128 141781 284910
Reinsurers' share 16 1256 10804 12060
Net (15-16) 17 141872 130977 272849
Claims management costs 18 30024 3241 33265
Provision for unexpired risks 19
Commissions 21 23569 39488 18185 44873
Other acquisition expenses 22 29684 47238 22646 54276
Net operating expenses Administrative expenses 23 15149 15149
24 377 2203 434 2147
Total (21+22+23-24) 29 52876 99672 40397 112151
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 52876 99672 40397 112151
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
52
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Primary (direct) and facultative household and domestic all risks
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 160Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 200124 140499 66538 6913
Reinsurers' share 12 6576 4794 2443 661
Net (11-12) 13 193548 135704 64095 6252
Claims management costs 14 5392 3391 2082 81
Gross amount 15 203295 108581 311875
Reinsurers' share 16 348 619 967
Net (15-16) 17 202947 107961 310908
Claims management costs 18 22730 3320 26049
Provision for unexpired risks 19
Commissions 21 103541 216843 100782 219602
Other acquisition expenses 22 21608 40045 19361 42292
Net operating expenses Administrative expenses 23 52087 52087
24 211 3021 221 3011
Total (21+22+23-24) 29 124938 305955 119922 310971
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 124938 305955 119922 310971
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
53
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative personal lines financial loss business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 180Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 36071 29379 9554 2862
Reinsurers' share 12 227 268 58 99
Net (11-12) 13 35844 29111 9496 2763
Claims management costs 14 1857 1461 421 25
Gross amount 15 151319 33256 184574
Reinsurers' share 16 35 333 368
Net (15-16) 17 151284 32922 184206
Claims management costs 18 10193 1436 11629
Provision for unexpired risks 19
Commissions 21 26658 60703 27125 60236
Other acquisition expenses 22 8773 19574 8986 19361
Net operating expenses Administrative expenses 23 13496 13496
24 1330 1330
Total (21+22+23-24) 29 35431 92442 36111 91762
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 35431 92442 36111 91762
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
54
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial motor business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 220Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 689839 223509 436764 (29565)
Reinsurers' share 12 78669 14679 61650 (2340)
Net (11-12) 13 611170 208830 375115 (27225)
Claims management costs 14 10865 3768 7258 161
Gross amount 15 262672 218334 481006
Reinsurers' share 16 47089 46920 94009
Net (15-16) 17 215583 171414 386997
Claims management costs 18 22350 3633 25982
Provision for unexpired risks 19
Commissions 21 15842 64597 13796 66643
Other acquisition expenses 22 11062 21271 9828 22505
Net operating expenses Administrative expenses 23 423 423
24 68 751 123 696
Total (21+22+23-24) 29 26835 85540 23500 88876
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 26835 85540 23500 88876
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
55
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial lines property business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 260Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 619637 291576 255180 (72881)
Reinsurers' share 12 220038 95649 80956 (43433)
Net (11-12) 13 399599 195927 174223 (29449)
Claims management costs 14 9019 5059 4095 135
Gross amount 15 132762 365222 497984
Reinsurers' share 16 44807 142729 187536
Net (15-16) 17 87955 222493 310448
Claims management costs 18 14099 5715 19815
Provision for unexpired risks 19
Commissions 21 67583 134689 69982 132290
Other acquisition expenses 22 31226 57435 33077 55584
Net operating expenses Administrative expenses 23 85463 85463
24 10451 17207 10553 17105
Total (21+22+23-24) 29 88358 260380 92505 256233
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41 (70) (70)
This financial year 42 88358 260450 92505 256303
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
56
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative commercial lines liability business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 270Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 2264308 342211 2007454 85356
Reinsurers' share 12 400773 53987 336211 (10575)
Net (11-12) 13 1863536 288224 1671243 95931
Claims management costs 14 33866 16853 29192 12178
Gross amount 15 27215 255783 282998
Reinsurers' share 16 1648 24577 26226
Net (15-16) 17 25567 231206 256773
Claims management costs 18 10755 5214 15969
Provision for unexpired risks 19
Commissions 21 34786 86294 37949 83131
Other acquisition expenses 22 22113 34513 17295 39332
Net operating expenses Administrative expenses 23 27113 27113
24 708 1367 565 1510
Total (21+22+23-24) 29 56191 146553 54678 148066
Gross amount 31 383991 373843 (10148)
Reinsurers' share 32 48747 42169 (6578)
Claims management costs 33
Total (31-32+33) 39 335245 331674 (3571)
Prior financial years 41
This financial year 42 56191 146553 54678 148066
51 335245 331674 (3571)
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
57
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total primary (direct) and facultative marine business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 340Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 60829 20222 53625 13018
Reinsurers' share 12 11494 9667 11901 10074
Net (11-12) 13 49335 10555 41724 2944
Claims management costs 14 563 703 359 499
Gross amount 15 30325 94648 124973
Reinsurers' share 16 2440 9824 12264
Net (15-16) 17 27885 84824 112709
Claims management costs 18 660 766 1426
Provision for unexpired risks 19
Commissions 21 13893 34686 16239 32340
Other acquisition expenses 22 3517 11070 5068 9519
Net operating expenses Administrative expenses 23 11088 11088
24 623 1730 472 1881
Total (21+22+23-24) 29 16788 55114 20835 51066
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41 (1121) (1121)
This financial year 42 16788 56235 20835 52187
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
58
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Primary (direct) and facultative goods in transit
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 350Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 73207 50890 21102 (1216)
Reinsurers' share 12 8962 4810 6640 2489
Net (11-12) 13 64246 46079 14461 (3705)
Claims management costs 14 952 1191 277 517
Gross amount 15 43827 70064 113891
Reinsurers' share 16 3688 7175 10863
Net (15-16) 17 40139 62889 103028
Claims management costs 18 2625 836 3461
Provision for unexpired risks 19
Commissions 21 9111 27334 11534 24911
Other acquisition expenses 22 5988 11435 4952 12471
Net operating expenses Administrative expenses 23 7233 7233
24 22 672 18 676
Total (21+22+23-24) 29 15076 45329 16467 43938
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41 (381) (381)
This financial year 42 15076 45710 16467 44319
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
59
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Balance of all primary (direct) and facultative business
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 409Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 21646 2237 18851 (558)
Reinsurers' share 12 6128 370 5506 (251)
Net (11-12) 13 15518 1866 13345 (307)
Claims management costs 14 514 38 457 (19)
Gross amount 15 1917 4551 6469
Reinsurers' share 16 1039 1285 2324
Net (15-16) 17 878 3266 4144
Claims management costs 18 468 88 556
Provision for unexpired risks 19
Commissions 21 2367 2122 2834 1654
Other acquisition expenses 22 1198 2042 1472 1768
Net operating expenses Administrative expenses 23 1518 1518
24 141 148 83 206
Total (21+22+23-24) 29 3423 5534 4223 4734
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 3423 5534 4223 4734
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
60
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total non-proportional treaty reinsurance business accepted
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 500Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 1965 1387 363 (215)
Reinsurers' share 12 1796 949 85 (762)
Net (11-12) 13 169 438 278 547
Claims management costs 14 3 2 1
Gross amount 15 669 580 1249
Reinsurers' share 16 494 312 806
Net (15-16) 17 175 268 443
Claims management costs 18 54 2 56
Provision for unexpired risks 19
Commissions 21 1455 1455
Other acquisition expenses 22Net operating expenses Administrative expenses 23 82 82
24 891 891
Total (21+22+23-24) 29 646 646
Gross amount 31
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39
Prior financial years 41
This financial year 42 646 646
51
52
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
17032015:19:37:11
61
Form 22
General insurance business (accident year accounting) : Analysis of claims, expenses and technical provisions
Name of company Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014
Total proportional treaty reinsurance business accepted
Company GL/registration UK/ day month year Units Categorynumber CM number
R22 93792 GL 31 12 2014 £000 600Amount brought Amount Amount carried Amount
forward from payable/receivable forward to next attributable to thisprevious financial in this financial financial year financial year
year year1 2 3 4
Gross amount 11 17726 15841 2059 175
Reinsurers' share 12 2824 2542 1910 1628
Net (11-12) 13 14902 13300 149 (1454)
Claims management costs 14 14 9 5
Gross amount 15 (96846) 101063 4217
Reinsurers' share 16 1427 1317 2744
Net (15-16) 17 (98274) 99747 1473
Claims management costs 18 44 9 53
Provision for unexpired risks 19
Commissions 21 2257 5973 3169 5062
Other acquisition expenses 22Net operating expenses Administrative expenses 23 328 328
24 1278 3565 1561 3282
Total (21+22+23-24) 29 979 2736 1608 2108
Gross amount 31 600 829 229
Reinsurers' share 32
Claims management costs 33
Total (31-32+33) 39 600 829 229
Prior financial years 41
This financial year 42 979 2736 1608 2108
51 600 (600)
52 829 829
Split of line 29
Split of line 39
Incidents occurring prior to this financial year Incidents occurring in this financial year
Claims incurred in respect of incidentsoccurring prior to this financial year
Claims incurred in respect of incidentsoccurring in this financial year
Reinsurance commissions and profit participations
Adjustments for discounting in respect of the items shown at lines 11 to 18 above
1703
2015
:19:
37:1
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Tota
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442
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1
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29
Cat
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64
Com
pany
re
gist
ratio
n nu
mbe
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GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
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Anal
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laim
s an
d pr
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ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
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Glo
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ess
Fina
ncia
l yea
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Dec
embe
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4
Tota
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culta
tive
acci
dent
and
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lth
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9379
2G
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12
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laim
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Cat
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Com
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re
gist
ratio
n nu
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GL/
UK
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Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
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ct) a
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culta
tive
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onal
line
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R23
9379
2G
L31
12
20
14£0
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laim
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Cat
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66
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Prim
ary
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ct) a
nd fa
culta
tive
hous
ehol
d an
d do
mes
tic a
ll ris
ks
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9379
2G
L31
12
20
14£0
0016
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laim
s pa
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laim
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tal c
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s pa
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Cat
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67
Com
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re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
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ct) a
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culta
tive
pers
onal
line
s fin
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al lo
ss b
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9379
2G
L31
12
20
14£0
0018
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laim
s pa
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laim
sTo
tal c
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laim
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2
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6)
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9
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145
63
586
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326
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3
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1
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71
5
6538
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1.7
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143
80
246
86
310
8
103
1
10
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532
34
(87.
0)
33.
0
Prio
r acc
iden
t yea
rs21
(460
) 9
6
4
94
7
(4
62)
Rec
onci
liatio
n22
Tota
l (11
to 2
2)29
180
395
7
820
3
4599
5
965
2
9879
1
8696
9
Cat
egor
y nu
mbe
r
68
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
com
mer
cial
mot
or b
usin
ess
R23
9379
2G
L31
12
20
14£0
0022
0C
laim
s pa
idC
laim
sTo
tal c
laim
sC
laim
s pa
idC
laim
s ou
tsta
ndin
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rried
Cla
ims
outs
tand
ing
brou
ght
Cla
ims
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rred
Ded
uctio
n fo
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arne
dD
eter
iora
tion/
Cla
ims
ratio
Acci
dent
yea
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urin
gou
tsta
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scou
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cide
nt y
ear,
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orte
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rve
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rior t
ono
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orte
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anci
al y
ear
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nanc
ial
(net
)(n
et)
(net
)M
onth
Year
year
(4+5
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-8)
12
34
56
78
910
1112
13
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1411
215
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1
4456
4
268
50
386
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4
8889
9
79.
2
1220
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259
703
2
2363
3
887
93
109
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63)
575
423
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8
1220
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259
228
2
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3
114
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9)
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395
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3
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245
480
2
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163
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1
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77)
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416
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1
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234
613
2
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4
206
199
2
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2
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372
4
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5
494
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145)
4
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1
102
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209
495
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0126
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189
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268)
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1
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331
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401)
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172
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172
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2
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5
169
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274
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2
425
5
1534
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66.
3
Prio
r acc
iden
t yea
rs21
331
4
135
55
154
40
197
56
111
85
136
7
Rec
onci
liatio
n22
Tota
l (11
to 2
2)29
424
413
4
5230
8
942
21
513
287
9
7883
3
5977
2
Cat
egor
y nu
mbe
r
69
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
com
mer
cial
line
s pr
oper
ty b
usin
ess
R23
9379
2G
L31
12
20
14£0
0026
0C
laim
s pa
idC
laim
sTo
tal c
laim
sC
laim
s pa
idC
laim
s ou
tsta
ndin
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rried
Cla
ims
outs
tand
ing
brou
ght
Cla
ims
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rred
Ded
uctio
n fo
rE
arne
dD
eter
iora
tion/
Cla
ims
ratio
Acci
dent
yea
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urin
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tsta
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id (n
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st y
ear)
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scou
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plus
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ncia
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ped
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ther
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ms
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cide
nt y
ear,
Rep
orte
d (n
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rred
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orte
d (n
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rred
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anci
al y
ear
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%th
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nanc
ial
(net
)(n
et)
(net
)M
onth
Year
year
(4+5
+6-7
-8)
12
34
56
78
910
1112
13
1220
1411
879
55
201
106
2
1387
3
1044
8
529
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5
8.6
1220
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25
236
190
1
2991
8
783
05
165
25
215
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1
2694
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890)
5
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) 5
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240
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1
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4
506
11
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11
268
3
110
837
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286)
(1
2647
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6
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2.0
1220
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106
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2
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195
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7
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458
5
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2
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47
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509
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6
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1015
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22
266
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2
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0
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3
133
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7
277
10
111
2
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6)
522
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6
1.2
1220
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120
190
2
0307
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190
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85
165
3
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5
1220
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120
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227
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8
27
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225
6
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8
598
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6.2
Prio
r acc
iden
t yea
rs21
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) (5
184)
(1
346)
(5
452)
1
073
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465)
Rec
onci
liatio
n22
Tota
l (11
to 2
2)29
283
882
3
4265
7
540
59
394
392
5
207
2
8099
9
Cat
egor
y nu
mbe
r
70
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
com
mer
cial
line
s lia
bilit
y bu
sine
ss
R23
9379
2G
L31
12
20
14£0
0027
0C
laim
s pa
idC
laim
sTo
tal c
laim
sC
laim
s pa
idC
laim
s ou
tsta
ndin
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rried
Cla
ims
outs
tand
ing
brou
ght
Cla
ims
incu
rred
Ded
uctio
n fo
rE
arne
dD
eter
iora
tion/
Cla
ims
ratio
Acci
dent
yea
r end
ed(n
et) d
urin
gou
tsta
ndin
gpa
id (n
et)
(net
) dur
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ard
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ard
(late
st y
ear)
ordi
scou
ntin
gpr
emiu
ms
(sur
plus
) of
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cide
nt(n
et) a
s at
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nce
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end
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ncia
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ped
from
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ims
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alye
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ther
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ing
clai
ms
acci
dent
yea
rac
cide
nt y
ear,
Rep
orte
d (n
et)
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rred
but
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orte
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rred
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isca
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rior t
ono
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anci
al y
ear
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ard
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nanc
ial
(net
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et)
(net
)M
onth
Year
year
(4+5
+6-7
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12
34
56
78
910
1112
13
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1411
255
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113
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1
1731
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256
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3
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9
66.
5
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183
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157
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7
5.3
1220
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220
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9
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4
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2
145
59
138
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9.0
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394
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9
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206
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9
1220
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301
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4
Prio
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iden
t yea
rs21
383
82
221
605
7
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4
208
522
7
3632
1
585
77
331
404
Rec
onci
liatio
n22
Tota
l (11
to 2
2)29
313
790
8
8308
2
101
9367
9
0787
0
955
665
3
5270
4
331
674
Cat
egor
y nu
mbe
r
71
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of n
et c
laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
mar
ine
busi
ness
R23
9379
2G
L31
12
20
14£0
0034
0C
laim
s pa
idC
laim
sTo
tal c
laim
sC
laim
s pa
idC
laim
s ou
tsta
ndin
g ca
rried
Cla
ims
outs
tand
ing
brou
ght
Cla
ims
incu
rred
Ded
uctio
n fo
rE
arne
dD
eter
iora
tion/
Cla
ims
ratio
Acci
dent
yea
r end
ed(n
et) d
urin
gou
tsta
ndin
gpa
id (n
et)
(net
) dur
ing
forw
ard
forw
ard
(late
st y
ear)
ordi
scou
ntin
gpr
emiu
ms
(sur
plus
) of
%th
e ac
cide
nt(n
et) a
s at
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nce
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end
this
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ncia
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velo
ped
from
cla
ims
(net
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igin
alye
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ther
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rs)
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ing
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ms
acci
dent
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rac
cide
nt y
ear,
Rep
orte
d (n
et)
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rred
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rred
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rior t
ono
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dno
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anci
al y
ear
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ard
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nanc
ial
(net
)(n
et)
(net
)M
onth
Year
year
(4+5
+6-7
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12
34
56
78
910
1112
13
1220
1411
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427
83
420
41
112
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1
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5
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1
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266
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3
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5
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2
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2
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1
19
121
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1
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1
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5
9
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1
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4
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11
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39
115
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Com
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Mda
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1703
2015
:19:
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Gen
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laim
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Nam
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Roy
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Alli
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Insu
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ess
Fina
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l yea
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Dec
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4
Prim
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culta
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8
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1114
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5
221
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3
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1220
1015
463
3
829
7
706
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155
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116
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3)
130
3
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8
260
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1220
0916
513
9
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5
882
1
51
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59)
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132
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8)
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1
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4
6.7
1220
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35
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1
81
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6
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4
1220
0718
357
2
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973
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8
5
1
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1220
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338
5
108
59
150
26
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3
69
104
5
29
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4
2.5
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3.3
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0520
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5
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6
Prio
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49
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Rec
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18
722
08
514
2
563
11
793
4
993
23
Cat
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Com
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GL/
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Mda
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nits
1703
2015
:19:
37:1
1Fo
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3
Gen
eral
insu
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sine
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Anal
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laim
s an
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ms
Nam
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insu
rer
Roy
al &
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Alli
ance
Insu
ranc
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Glo
bal b
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ess
Fina
ncia
l yea
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Dec
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4
Bal
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facu
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sine
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20
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31
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141
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2
1220
1312
205
5
560
3
128
4
329
3
446
4
283
1
183
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43)
133
82
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3)
52.
9
1220
1213
297
7
332
3
738
7
8
977
3
39
119
8
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) 3
33
136
70
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8)
37.
4
1220
1114
368
7
716
8
411
1
574
2
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2
80
300
5
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(8
1)
156
04
(2.6
) 6
8.4
1220
1015
255
4
808
9
431
8
58
8
12
141
1
879
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56)
(712
) 1
7983
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4.1)
4
3.8
1220
0916
600
2
863
6
108
93
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) 2
91
112
3
63
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) (9
2)
211
02
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2
80.
5
1220
0817
503
3
112
69
513
4
145
7
11
115
6
56
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31
229
22
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8)
48.
6
1220
0718
202
9
786
2
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9
24
6
10
55
4
59
93
1
36
212
57
35.
3
59.
6
1220
0619
206
6
617
5
346
1
49
2
94
45
3
90
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6
0
249
56
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7)
23.
7
1220
0520
995
8
761
1
1309
1
5
27
32
5
44
16
2
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3
5.5
6
4.3
Prio
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iden
t yea
rs21
(38)
2
125
1
21
225
6
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Rec
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liatio
n22
Tota
l (11
to 2
2)29
274
5
144
94
211
8
150
33
486
3
837
Cat
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74
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
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Anal
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laim
s an
d pr
emiu
ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
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l yea
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Dec
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4
Tota
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-pro
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ness
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R23
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20
14£0
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34
56
78
910
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13
1220
1411
175
2
68
443
1
892
2
3.4
1220
1312
195
5
214
4
38
278
1
37
579
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1220
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9
141
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4
32
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111
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1220
1114
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1015
1220
0916
1220
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1220
0718
1220
0619
1220
0520
Prio
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Rec
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liatio
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Tota
l (11
to 2
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613
5
46
169
9
90
Cat
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75
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
3
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
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Anal
ysis
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et c
laim
s an
d pr
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ms
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
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ess
Fina
ncia
l yea
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Dec
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r 201
4
Tota
l pro
port
iona
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nce
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ness
acc
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R23
9379
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laim
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34
56
78
910
1112
13
1220
1411
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74)
997
47
147
3
829
1
0440
1
4.1
1220
1312
225
0
165
79
133
00
149
2
898
1
1861
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310)
2
1951
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8.9)
7
1.5
1220
1213
52
7
12
378
1
21
22
(1
43)
940
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6.9)
4
5.7
1220
1114
1220
1015
1220
0916
1220
0817
1220
0718
1220
0619
1220
0520
Prio
r acc
iden
t yea
rs21
Rec
onci
liatio
n22
Tota
l (11
to 2
2)29
(849
74)
998
96
301
9
118
84
20
8
29
Cat
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mbe
r
76
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
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Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l bus
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s
R24
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L31
12
20
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nder
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year
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M
YY
MM
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Tota
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prev
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29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
97
(1
372)
9
8
110
5
(44)
1
110
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145)
(2
982)
(1
3365
) 2
331
1
2925
4
115
086
Pre
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ms
writ
ten
Rei
nsur
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sha
re12
3
2
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23
(7
0)
24
(2
64)
662
3
264
1
4119
2
8589
4
6343
Net
(11-
12)
19 9
4
(137
4)
107
1
082
2
6
108
6
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643)
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6630
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1789
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0066
5
687
43
Gro
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nt21
258
68
441
5
41
784
61
165
8
255
0
251
96
276
58
568
96
241
02
209
84
264
354
Cla
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paid
Rei
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sha
re22
143
27
83
4
4
526
1
8
68
3
850
6
759
1
9328
1
545
4
6548
Net
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22)
29 1
1541
3
58
497
7
7935
1
640
2
482
2
1345
2
0899
3
7568
2
2557
2
0984
2
1780
6
Cla
ims
man
agem
ent c
osts
39 1
572
1
8
31
1
7
28
5
4
873
4
84
104
7
150
3
01
457
4
Com
mis
sion
s41
12
2
1
9
8
(27)
1
27
933
4
0
(230
1)
938
1
4706
1
4456
Net
Oth
er a
cqui
sitio
n ex
pens
es42
oper
atin
g ex
pens
es A
dmin
istra
tive
expe
nses
43 5
3
7
490
3
494
5
44 6
7
(2
5)
37
1
10
(333
0)
31
(3
165)
Pay
able
net
(41+
42+4
3-44
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6
2
19
1
(2
7)
127
9
59
3
(240
6)
430
5
195
78
225
66
Bro
ught
Und
isco
unte
d51
908
35
158
4
289
1
818
05
114
26
132
54
204
85
478
16
909
43
105
597
4
6663
5
Tech
nica
l fo
rwar
d A
djus
tmen
t for
d
isco
untin
g52
135
34
135
34
prov
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ns C
arrie
d U
ndis
coun
ted
53 7
3444
9
80
173
4
244
9
104
18
880
2
732
8
321
67
473
22
564
80
542
59
295
383
forw
ard
Adj
ustm
ent f
or
dis
coun
ting
54 9
260
9
260
59 (1
3117
) (6
05)
(115
6)
(793
56)
(100
8)
(445
1)
(131
57)
(156
49)
(436
21)
(491
17)
542
59
(166
978)
69 9
3
(114
8)
716
2
486
(6
07)
287
4
(109
02)
(938
0)
(921
7)
103
16
554
4
(922
6)
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
-54-
51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
(1
9-29
-39-
49-5
9)
77
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
Cat
egor
y nu
mbe
r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
es
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
busi
ness
R24
9379
2G
L31
12
20
14£0
0000
2
U
nder
writ
ing
year
end
edPr
ior
unde
rwrit
ing
year
sM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YYM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
86
(1
373)
6
9
109
7
(55)
1
109
(1
029)
(3
468)
(1
5669
) (1
9233
)
Pre
miu
ms
writ
ten
Rei
nsur
ers'
sha
re12
3
2
(9)
23
(7
0)
24
(1
67)
657
1
150
1
613
Net
(11-
12)
19 8
3
(137
5)
78
1
074
1
5
108
5
(862
) (4
125)
(1
6819
) (2
0846
)
Gro
ss a
mou
nt21
230
03
293
1
73
108
2
115
8
232
8
227
95
200
51
385
63
109
446
Cla
ims
paid
Rei
nsur
ers'
sha
re22
136
57
83
4
4
526
1
8
38
2
501
3
086
1
3727
3
3680
Net
(21-
22)
29 9
346
2
10
129
5
56
114
0
229
0
202
94
169
65
248
36
757
66
Cla
ims
man
agem
ent c
osts
39 8
04
18
3
1
17
2
8
54
8
73
484
1
008
3
317
Com
mis
sion
s41
8
2
8
5
(31)
1
27
957
(1
06)
(249
1)
(152
1)
Net
Oth
er a
cqui
sitio
n ex
pens
es42
oper
atin
g ex
pens
es A
dmin
istra
tive
expe
nses
43 44 1
3
6
45
8
2
Pay
able
net
(41+
42+4
3-44
)49
8
2
8
5
(31)
1
27
956
(1
42)
(253
6)
(160
3)
Bro
ught
Und
isco
unte
d51
636
43
969
2
780
3
963
8
962
1
1142
1
9664
3
6234
7
4896
2
2225
1
Tech
nica
l fo
rwar
d A
djus
tmen
t for
d
isco
untin
g52
111
26
111
26
prov
isio
ns C
arrie
d U
ndis
coun
ted
53 4
6771
3
71
172
0
233
1
803
9
676
8
721
5
202
92
356
56
129
163
forw
ard
Adj
ustm
ent f
or
dis
coun
ting
54 6
671
6
671
59 (1
2417
) (5
98)
(106
0)
(163
2)
(923
) (4
374)
(1
2449
) (1
5942
) (3
9240
) (8
8633
)
69 2
342
(1
007)
9
70
212
8
(199
) 2
988
(1
0536
) (5
490)
(8
87)
(969
3)
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
-54-
51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
(1
9-29
-39-
49-5
9)
78
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
Cat
egor
y nu
mbe
r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
es
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l tre
aty
rein
sura
nce
acce
pted
bus
ines
s
R24
9379
2G
L31
12
20
14£0
0000
3
U
nder
writ
ing
year
end
edPr
ior
unde
rwrit
ing
year
sM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YYM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
11
1
2
9
8
11
1
(1
16)
486
2
304
2
331
1
2925
4
134
319
Pre
miu
ms
writ
ten
Rei
nsur
ers'
sha
re12
(97)
5
2
114
1
4119
2
8589
4
4730
Net
(11-
12)
19 1
1
1
29
8
1
1
1
(19)
4
82
189
(1
1789
) 1
0066
5
895
89
Gro
ss a
mou
nt21
286
5
148
3
68
773
79
500
2
22
240
1
760
7
183
33
241
02
209
84
154
908
Cla
ims
paid
Rei
nsur
ers'
sha
re22
670
3
0
134
9
367
3
560
1
154
5
128
68
Net
(21-
22)
29 2
195
1
48
368
7
7379
5
00
192
1
051
3
934
1
2732
2
2557
2
0984
1
4204
0
Cla
ims
man
agem
ent c
osts
39 7
68
39
1
50
301
1
257
Com
mis
sion
s41
4
11
3
4
(2
4)
146
1
90
938
1
4706
1
5977
Net
Oth
er a
cqui
sitio
n ex
pens
es42
oper
atin
g ex
pens
es A
dmin
istra
tive
expe
nses
43 5
3
7
490
3
494
5
44 6
7
(2
6)
1
65
(3
330)
3
1
(324
7)
Pay
able
net
(41+
42+4
3-44
)49
(2)
11
(4
) 4
3
1
45
130
4
305
1
9578
2
4169
Bro
ught
Und
isco
unte
d51
271
92
616
1
11
778
42
246
4
211
2
821
1
1583
1
6047
1
0559
7
244
384
Tech
nica
l fo
rwar
d A
djus
tmen
t for
d
isco
untin
g52
240
8
240
8
prov
isio
ns C
arrie
d U
ndis
coun
ted
53 2
6673
6
09
14
1
18
237
9
203
4
113
1
1875
1
1666
5
6480
5
4259
1
6622
0
forw
ard
Adj
ustm
ent f
or
dis
coun
ting
54 2
589
2
589
59 (7
00)
(7)
(97)
(7
7724
) (8
5)
(77)
(7
07)
293
(4
381)
(4
9117
) 5
4259
(7
8345
)
69 (2
249)
(1
40)
(254
) 3
58
(408
) (1
14)
(366
) (3
890)
(8
330)
1
0316
5
544
4
67
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
-54-
51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
(1
9-29
-39-
49-5
9)
79
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
Cat
egor
y nu
mbe
r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
es
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
avia
tion
busi
ness
R24
9379
2G
L31
12
20
14£0
0033
0
U
nder
writ
ing
year
end
edPr
ior
unde
rwrit
ing
year
sM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YYM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
Pre
miu
ms
writ
ten
Rei
nsur
ers'
sha
re12
Net
(11-
12)
19
Gro
ss a
mou
nt21
183
0
37
6
5
21
239
4
Cla
ims
paid
Rei
nsur
ers'
sha
re22
600
1
37
6
5
21
656
5
Net
(21-
22)
29 (4
171)
(4
171)
Cla
ims
man
agem
ent c
osts
39 7
88
788
Com
mis
sion
s41
Net
Oth
er a
cqui
sitio
n ex
pens
es42
oper
atin
g ex
pens
es A
dmin
istra
tive
expe
nses
43 44
Pay
able
net
(41+
42+4
3-44
)49
Bro
ught
Und
isco
unte
d51
164
96
164
96
Tech
nica
l fo
rwar
d A
djus
tmen
t for
d
isco
untin
g52
242
1
242
1
prov
isio
ns C
arrie
d U
ndis
coun
ted
53 1
7940
1
7940
forw
ard
Adj
ustm
ent f
or
dis
coun
ting
54 1
912
1
912
59 1
953
1
953
69 1
430
1
430
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
-54-
51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
(1
9-29
-39-
49-5
9)
80
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
Cat
egor
y nu
mbe
r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
es
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Tota
l prim
ary
(dire
ct) a
nd fa
culta
tive
mar
ine
busi
ness
R24
9379
2G
L31
12
20
14£0
0034
0
U
nder
writ
ing
year
end
edPr
ior
unde
rwrit
ing
year
sM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YYM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
68
(1
376)
5
65
(690
) (6
94)
103
4
(674
) (2
346)
(7
456)
(1
1569
)
Pre
miu
ms
writ
ten
Rei
nsur
ers'
sha
re12
3
2
(9)
9
6
(27)
5
09
113
6
06
Net
(11-
12)
19 6
5
(137
8)
574
(6
99)
(694
) 1
028
(6
47)
(285
5)
(756
9)
(121
75)
Gro
ss a
mou
nt21
207
98
416
7
19
546
1
115
2
226
2
1445
1
6868
2
7118
9
1251
Cla
ims
paid
Rei
nsur
ers'
sha
re22
759
5
46
3
5
(16)
1
8
33
2
174
2
730
1
0845
2
3460
Net
(21-
22)
29 1
3203
3
70
684
5
62
109
7
219
3
192
71
141
38
162
73
677
91
Cla
ims
man
agem
ent c
osts
39 1
6
18
3
1
17
2
7
53
8
50
430
8
05
224
7
Com
mis
sion
s41
3
1
7
20
(4
1)
136
6
8
(319
) (9
12)
(103
7)
Net
Oth
er a
cqui
sitio
n ex
pens
es42
oper
atin
g ex
pens
es A
dmin
istra
tive
expe
nses
43 44 1
2
5
2
28
Pay
able
net
(41+
42+4
3-44
)49
3
1
7
20
(4
1)
136
6
7
(344
) (9
14)
(106
5)
Bro
ught
Und
isco
unte
d51
470
30
655
1
940
2
458
6
260
9
656
1
7314
2
3580
4
3083
1
5197
5
Tech
nica
l fo
rwar
d A
djus
tmen
t for
d
isco
untin
g52
870
5
870
5
prov
isio
ns C
arrie
d U
ndis
coun
ted
53 2
8168
2
18
147
4
139
5
498
3
575
4
622
0
136
53
204
40
823
05
forw
ard
Adj
ustm
ent f
or
dis
coun
ting
54 4
759
4
759
59 (1
4916
) (4
37)
(466
) (1
063)
(1
277)
(3
902)
(1
1094
) (9
927)
(2
2643
) (6
5724
)
69 1
759
(1
330)
3
18
(235
) (5
00)
254
8
(974
1)
(715
2)
(109
0)
(154
24)
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
-54-
51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
(1
9-29
-39-
49-5
9)
81
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rU
nits
Cat
egor
y nu
mbe
r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
d ex
pens
es
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4
Prim
ary
(dire
ct) a
nd fa
culta
tive
good
s in
tran
sit
R24
9379
2G
L31
12
20
14£0
0035
0
U
nder
writ
ing
year
end
edPr
ior
unde
rwrit
ing
year
sM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YYM
M
YY
MM
Y
YM
M
YY
MM
Y
YM
M
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
mou
nt11
18
3
(4
96)
178
7
639
7
5
(355
) (1
122)
(8
213)
(7
664)
Pre
miu
ms
writ
ten
Rei
nsur
ers'
sha
re12
14
(7
0)
18
(1
40)
148
1
037
1
007
Net
(11-
12)
19 1
8
3
(496
) 1
773
7
09
57
(2
15)
(127
0)
(925
0)
(867
1)
Gro
ss a
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nt21
375
(1
60)
(552
) 1
5
43
1
02
135
0
318
3
114
45
158
01
Cla
ims
paid
Rei
nsur
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sha
re22
61
3
2
1
5
327
3
56
288
2
365
5
Net
(21-
22)
29 3
14
(160
) (5
55)
(6)
43
9
7
102
3
282
7
856
3
121
46
Cla
ims
man
agem
ent c
osts
39 1
1
2
3
54
2
03
282
Com
mis
sion
s41
5
1
1
(15)
1
0
(9)
889
2
13
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9)
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Net
Oth
er a
cqui
sitio
n ex
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43 44 1
1
43
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4
Pay
able
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889
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ught
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117
3
14
839
1
505
2
702
1
486
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Tech
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l fo
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d A
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isco
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arrie
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ted
53 6
63
153
2
46
936
3
056
1
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9
95
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9
152
16
289
18
forw
ard
Adj
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ent f
or
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ting
54 59 5
46
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93)
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54
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355)
(6
015)
(1
6597
) (2
4862
)
69 (8
47)
323
6
51
236
3
301
4
40
(795
) 1
662
2
03
430
1
Incr
ease
(dec
reas
e) in
the
fina
ncia
l yea
r (53
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51+5
2)B
alan
ce o
n ea
ch u
nder
writ
ing
year
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9-29
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Com
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r
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Mda
y m
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Cat
egor
y nu
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r
Rei
nsur
ers'
com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
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naly
sis
of p
rem
ium
s, c
laim
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Nam
e of
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Alli
ance
Insu
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e pl
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usin
ess
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ncia
l yea
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ness
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U
nder
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year
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YY
MM
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MM
Y
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M
YY
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Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
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02
496
27
496
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Pre
miu
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ten
Rei
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re12
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6)
123
04
119
73
Net
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12)
19 3
48
373
23
376
72
Gro
ss a
mou
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101
5
146
1
45
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43
497
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13
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4
924
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930
9
751
9
604
1
1040
1
Cla
ims
paid
Rei
nsur
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sha
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38
2
9
862
3
587
5
440
1
262
1
1219
Net
(21-
22)
29 9
77
146
1
45
772
43
497
1
84
71
1
336
4
89
848
9
960
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991
82
Cla
ims
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agem
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39 6
3
3
0
61
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Com
mis
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s41
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3
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Oth
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cqui
sitio
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43 44 1
5
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Pay
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170
46
603
1
00
776
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6
6
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1
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2
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2
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1
2737
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Tech
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53 1
5310
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99
4
77
8
30
105
7
0
840
2
244
2
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1
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1565
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ting
54 59 (1
737)
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) (9
6)
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14)
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3
9
(23)
(3
30)
86
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225)
1
1188
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5806
)
69 7
53
(143
) (5
0)
372
(4
06)
(223
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9)
(100
6)
(563
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46)
164
67
142
07
Incr
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(dec
reas
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the
fina
ncia
l yea
r (53
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51+5
2)B
alan
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n ea
ch u
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9-29
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83
Com
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Mda
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Cat
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nsur
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com
mis
sion
s an
d p
rofit
par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of p
rem
ium
s, c
laim
s an
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pens
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Nam
e of
insu
rer
Roy
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Sun
Alli
ance
Insu
ranc
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bal b
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Tota
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year
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MM
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Tota
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29
2912
0
512
0
612
0
712
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812
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912
1
012
1
112
1
212
1
312
1499
99
Gro
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11
1
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9
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486
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580
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Pre
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390
1
4165
1
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Net
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19 1
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29
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82
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3342
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Gro
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0
2
223
1
36
3
9
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268
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124
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113
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Cla
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paid
Rei
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632
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4
87
85
1
61
284
1
650
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29 1
218
2
2
23
136
3
8
9
80
259
8
122
42
140
68
113
80
428
58
Cla
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39 7
62
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1
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239
1
157
Com
mis
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s41
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11
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4
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4)
146
1
90
938
1
4703
1
5974
Net
Oth
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sitio
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atin
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43 5
3
7
490
3
494
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44 6
7
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6)
1
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330)
3
1
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2)
Pay
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3
1
45
145
4
305
1
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2
4181
Bro
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101
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13
1
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151
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Tech
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53 1
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549
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35
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82
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71
114
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Adj
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ting
54 2
589
2
589
59 1
037
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5
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623
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467)
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1892
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3071
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539)
69 (3
003)
2
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04)
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09
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884)
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767)
1
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0923
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Incr
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reas
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the
fina
ncia
l yea
r (53
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51+5
2)B
alan
ce o
n ea
ch u
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Com
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r
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Mda
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Cat
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y nu
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nsur
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mis
sion
s an
d p
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par
ticip
atio
ns
1703
2015
:19:
37:1
1Fo
rm 2
5
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
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naly
sis
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Nam
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rer
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Alli
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l yea
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mns
29
2912
0
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0
612
0
712
0
812
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912
1
012
1
112
1
212
1
312
1499
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83
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211
0
579
1
105
24
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104
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337
18
466
55
352
76
319
06
264
229
Rei
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252
32
601
5
28
349
9
365
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73
323
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272
9
767
8
134
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115
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Gro
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322
19
100
1
46
5
72
1
74
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11)
174
19
335
6
484
75
Rei
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131
60
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1
7
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5)
510
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Cla
ims
man
agem
ent c
osts
15 2
334
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2
3
29
8
7
76
7
0
194
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56
317
3
Gro
ss a
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nt16
132
43
132
43
Rei
nsur
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sha
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398
3
398
3
Cla
ims
man
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18 19
Bal
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641
84
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1
734
2
449
1
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7
289
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3
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2
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3927
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Pro
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Pro
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Tota
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1
0418
8
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7
328
3
2167
4
7322
5
6480
5
4259
2
8612
3
Cat
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Rep
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Com
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gist
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Mda
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Oth
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rovi
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s (p
artic
ular
s to
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spec
ified
by
way
of s
uppl
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tary
not
e)
1703
2015
:19:
37:1
1Fo
rm 2
5
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
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sion
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Nam
e of
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rer
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Alli
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Insu
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bal b
usin
ess
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ncia
l yea
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Dec
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r 201
4
Tota
l prim
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ct) a
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culta
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ness
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L31
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year
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year
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29
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012
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112
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212
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312
1499
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096
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147
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Rei
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09
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28
870
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65
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18
260
9
295
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312
54
Gro
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199
38
100
1
46
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72
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11)
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19
Rei
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7
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Cla
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15 2
334
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29
8
7
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194
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56
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Gro
ss a
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6
896
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Rei
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sha
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229
5
229
5
Cla
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18 19
Bal
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nd20 21
401
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371
1
720
2
331
8
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768
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215
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Pro
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22 4
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Def
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110
4
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4
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Tota
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1
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8
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Cat
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Com
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UK
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Mda
y m
onth
yea
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nits
Cla
ims
incu
rred
but
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ted
Adj
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catio
n to
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m) a
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sk c
ateg
ory
of
antic
ipat
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ims
outs
tand
ing
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12+1
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16+1
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20)
Oth
er te
chni
cal p
rovi
sion
s (p
artic
ular
s to
be
spec
ified
by
way
of s
uppl
emen
tary
not
e)
1703
2015
:19:
37:1
1Fo
rm 2
5
Gen
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1703
2015
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Gen
eral
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ranc
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sine
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tary
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1703
2015
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5
Gen
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sine
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uppl
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tary
not
e)
1703
2015
:19:
37:1
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Gen
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ranc
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sine
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tary
not
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1703
2015
:19:
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5
Gen
eral
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ranc
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sine
ss (u
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artic
ular
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uppl
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tary
not
e)
1703
2015
:19:
37:1
1Fo
rm 2
5
Gen
eral
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ranc
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sine
ss (u
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213
0
190
5
102
92
150
92
25
Tota
l (21
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877
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9
10
4
1
154
9
192
9
43
1
1035
9
422
3
6182
4
3071
1
1206
6
Cat
egor
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Rep
orte
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aim
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92
Com
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re
gist
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mbe
r
GL/
UK
/C
Mda
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nits
Cla
ims
incu
rred
but
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ted
Adj
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for
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Allo
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us
Cla
ims
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Oth
er te
chni
cal p
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s (p
artic
ular
s to
be
spec
ified
by
way
of s
uppl
emen
tary
not
e)
1703
2015
:19:
37:1
1Fo
rm 2
8
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
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rem
ium
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laim
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nce
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rer
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Alli
ance
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urre
ncy
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ish
Poun
d an
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nver
ted
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ritis
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ess
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ncia
l yea
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R28
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tal a
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us
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mns
29
2912
0
512
0
612
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712
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812
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912
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112
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212
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312
1499
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Gro
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Cla
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Com
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Tech
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Rei
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ch u
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9)
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Com
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Mda
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ncy
code
1703
2015
:19:
37:1
1Fo
rm 2
8(c
ontin
uatio
n sh
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Gen
eral
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ranc
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nder
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rem
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laim
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pens
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nce
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e of
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rer
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Alli
ance
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ranc
e pl
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urre
ncy
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ish
Poun
d an
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nver
ted
to B
ritis
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und
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bal b
usin
ess
Fina
ncia
l yea
r end
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Dec
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4
Non
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R28
9379
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12
93
12
94
12
95
12
96
12
97
12
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Gro
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ch u
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9)
94
Com
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UK
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Mda
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onet
ary
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Cat
egor
y nu
mbe
rC
urre
ncy
code
1703
2015
:19:
37:1
1Fo
rm 2
8
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
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ium
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laim
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pens
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y ris
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ry fo
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nce
Nam
e of
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rer
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al &
Sun
Alli
ance
Insu
ranc
e pl
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urre
ncy
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ish
Poun
d an
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nver
ted
to B
ritis
h Po
und
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bal b
usin
ess
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ncia
l yea
r end
ed31
Dec
embe
r 201
4
Prop
ortio
nal p
rope
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R28
9379
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L31
12
20
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tal a
ll pr
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us
colu
mns
29
2912
0
512
0
612
0
712
0
812
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912
1
012
1
112
1
212
1
312
1499
99
Gro
ss a
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nt11
11
1
2
9
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11
1
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040
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7
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8
3701
Pre
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ten
Rei
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re12
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1
4165
1
6270
3
2202
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12)
19 1
1
1
29
8
1
1
1
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4
82
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2525
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3312
5
1498
Gro
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nt21
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1
2
23
136
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9
1
467
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683
1
2403
1
4351
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4
2746
Cla
ims
paid
Rei
nsur
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sha
re22
53
1
4
87
85
1
61
284
1
071
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22)
29 4
3
1
223
1
36
3
8
980
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598
1
2242
1
4068
1
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4
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Cla
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man
agem
ent c
osts
39 3
6
120
2
39
395
Com
mis
sion
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11
3
4
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4)
146
1
90
700
1
4698
1
5731
Net
Oth
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sitio
n ex
pens
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atin
g ex
pens
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dmin
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tive
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nses
43 5
3
7
490
3
494
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44 6
7
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6)
1
40
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330)
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Pay
able
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156
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068
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2
3949
Bro
ught
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unte
d51
337
1
3
11
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51
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7
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Tech
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53 5
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4
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192
9
43
1
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415
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4
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1
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5
forw
ard
Adj
ustm
ent f
or
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coun
ting
54 59 2
36
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(1
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(685
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23
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4)
(418
82)
430
52
(334
6)
69 (2
65)
3
(204
) (1
4)
(1)
109
(3
17)
(288
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111
02
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23)
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Rei
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Incr
ease
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ncia
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ce o
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ch u
nder
writ
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9)
95
Com
pany
re
gist
ratio
n nu
mbe
r
GL/
UK
/C
Mda
y m
onth
yea
rM
onet
ary
units
Cat
egor
y nu
mbe
rC
urre
ncy
code
1703
2015
:19:
37:1
1Fo
rm 2
8(c
ontin
uatio
n sh
eet)
Gen
eral
insu
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year
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nce
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e of
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Poun
d an
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bal b
usin
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4
Prop
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9379
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12
93
12
94
12
95
12
96
12
97
12
98
12
99
12
00
12
01
12
02
12
03
12
04
Gro
ss a
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nt11
4
2
5
Pre
miu
ms
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ten
Rei
nsur
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sha
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re22
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Net
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2
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osts
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Com
mis
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1
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13
Tech
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ent f
or
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ting
54 59 (2
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1
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69 2
18
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4
Rei
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Incr
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ch u
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Com
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gist
ratio
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GL/
UK
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Mda
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onet
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Cat
egor
y nu
mbe
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urre
ncy
code
1703
2015
:19:
37:1
1Fo
rm 2
8(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
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sine
ss (u
nder
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ing
year
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ium
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nce
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e of
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Alli
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Poun
d an
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nver
ted
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ritis
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und
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bal b
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ess
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4
Prop
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nal p
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R28
9379
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12
81
12
82
12
83
12
84
12
85
12
86
12
87
12
88
12
89
12
90
12
91
12
92
Gro
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Pre
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Com
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Oth
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43 44
Pay
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Tech
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forw
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Adj
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ting
54 59 69
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Com
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UK
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Mda
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ary
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Cat
egor
y nu
mbe
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urre
ncy
code
1703
2015
:19:
37:1
1Fo
rm 2
9
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
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naly
sis
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cal p
rovi
sion
s by
risk
cat
egor
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nce
Nam
e of
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rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
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urre
ncy
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ish
Poun
d an
d co
nver
ted
to B
ritis
h Po
und
Glo
bal b
usin
ess
Fina
ncia
l yea
r end
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Dec
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4
Prop
ortio
nal p
rope
rty
R29
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20
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nder
writ
ing
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rior
unde
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year
sM
M
YY
MM
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M
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YY
MM
YY
Tota
l all
prev
ious
co
lum
ns
29
2912
0
512
0
612
0
712
0
812
0
912
1
012
1
112
1
212
1
312
1499
99
Rep
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aim
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ross
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ount
11 5
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ste
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108
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
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Anal
ysis
of g
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cla
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ploy
ers
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lity
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9379
2G
L31
12
20
1400
027
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BP
AA
Gro
ss c
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terli
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109
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
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Gen
eral
insu
ranc
e bu
sine
ss (a
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R
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Terr
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gdom
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Fina
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l yea
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ploy
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lity
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9379
2G
L31
12
20
1400
027
1G
BP
AA
Gro
ss c
laim
s ou
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ross
cla
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outs
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ing
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110
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
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and
prem
ium
s by
risk
cat
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y fo
r dire
ct in
sura
nce
and
facu
ltativ
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insu
ranc
e
Nam
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insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
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Mon
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ploy
ers
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lity
num
ber
CM
uni
tsnu
mbe
rco
deco
de
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9379
2G
L31
12
20
1400
027
1G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
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1
19
111
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
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und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
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ompa
nyG
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ting
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stra
tion
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/da
y m
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Mon
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ploy
ers
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lity
num
ber
CM
uni
tsnu
mbe
rco
deco
de
R31
9379
2G
L31
12
20
1400
027
1G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
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ims
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112
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
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Cur
renc
yB
ritis
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und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
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er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
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stra
tion
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y m
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ear
Mon
etar
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ory
Cur
renc
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rrito
ryPr
ofes
sion
al in
dem
nity
num
ber
CM
uni
tsnu
mbe
rco
deco
de
R31
9379
2G
L31
12
20
1400
027
2G
BP
AA
Gro
ss c
laim
s ou
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thYe
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Li
ne 2
9 ex
pres
sed
in s
terli
ng
113
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
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y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
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an h
ome
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Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
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ting
regi
stra
tion
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y
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Mon
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ory
Cur
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ryPr
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dem
nity
num
ber
CM
uni
tsnu
mbe
rco
deco
de
R31
9379
2G
L31
12
20
1400
027
2G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
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cide
nt y
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nded
Num
ber o
f cla
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Gro
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test
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prem
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lose
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rred
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curr
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ther
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Year
(4+5
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34
56
78
910
11
1220
04 1
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436
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5
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4
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8
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114
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
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y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
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bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
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ting
regi
stra
tion
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y m
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Mon
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nity
num
ber
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uni
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mbe
rco
deco
de
R31
9379
2G
L31
12
20
1400
027
2G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
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rwar
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war
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test
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ped
prem
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lose
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ted
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revi
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curr
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ther
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ted
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ted
durin
g th
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ndin
gye
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al y
ear
finan
cial
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onth
Year
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34
56
78
910
11
1219
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125
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5422
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27
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609
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84
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83
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82
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81
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79
115
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
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an h
ome
fore
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Fina
ncia
l yea
r end
ed31
Dec
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r 201
4C
ompa
nyG
L/R
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ting
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stra
tion
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y m
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y
ear
Mon
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ory
Cur
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ryPu
blic
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duct
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bilit
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mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3G
BP
AA
Gro
ss c
laim
s ou
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ndin
g G
ross
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ims
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ing
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ims
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ent y
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Num
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f cla
ims
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ss c
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9
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Li
ne 2
9 ex
pres
sed
in s
terli
ng
116
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
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rer
Roy
al &
Sun
Alli
ance
Insu
ranc
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Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
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ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
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ting
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duct
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M u
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num
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code
code
R31
9379
2G
L31
12
20
1400
027
3G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
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outs
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117
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
+6-7
-8)
12
34
56
78
910
11
1219
91 2
3431
3
2
723
31
33
4
50
(44)
5
83
70
(2
14)
1219
90 2
6892
7
2
960
61
22
7
54
287
1
530
2
82
(749
)
1219
89 2
5923
3
1
888
64
361
3
89
15
4
65
108
1
93
1219
88 2
2786
1
7
739
33
129
6
52
(3)
759
9
6
(77)
1219
87 2
8129
1
8
728
38
255
1
658
1
20
117
7
175
6
81
1219
86 2
6794
2
1
622
19
17
8
07
37
8
82
122
(1
44)
1219
85 2
6932
1
6
701
54
42
1
140
2
35
118
7
249
(1
9)
1219
84 2
5991
1
2
592
44
49
1
759
2
38
119
8
251
5
97
1219
83 2
3317
1
2
497
81
98
1
371
2
05
104
7
230
3
97
1219
82 2
2180
1
4
452
05
74
1
174
1
71
867
2
08
345
1219
81 2
0181
1
3
379
06
47
1
344
2
86
113
5
282
2
61
1219
80 2
0637
7
6
528
13
26
5
619
1
200
4
659
8
68
131
8
1219
79 2
1837
2
2
433
69
33
1
597
1
5
470
1
08
106
7
118
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Uni
ted
Kin
gdom
oth
er th
an h
ome
fore
ign
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3G
BP
AA
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
+6-7
-8)
12
34
56
78
910
11
1219
78 2
5680
2
0
362
92
24
1
580
2
71
131
8
173
3
83
1219
77 2
5943
1
6
340
62
115
1
625
4
98
140
6
319
5
12
1219
76 2
6183
9
3
6384
5
5
137
3
271
6
90
174
8
35
1219
75 2
4
(120
) 4
776
2
917
4
742
1
867
9
64
1219
74
1219
73
1219
72
1219
71
1219
70
1219
69
1219
68
1219
67
1219
66
119
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
and
conv
erte
d to
Brit
ish
Poun
d
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Hom
e Fo
reig
n
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3YB
PAB
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioA
ccid
ent y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
Mon
thYe
arfin
anci
al y
ears
(4+5
+6-7
-8)
12
34
56
78
910
11
1220
1411
61
1
76
742
4
873
3
465
9
080
2
1845
4
1.6
1220
1312
166
1
33
319
1
851
3
984
1
252
4
907
1
205
9
75
293
52
25.
2
1220
1213
252
1
43
106
76
210
1
684
7
888
1
0506
5
10
(118
0)
316
23
64.
9
1220
1114
361
1
16
922
0
187
7
789
5
399
8
700
(1
54)
162
5
344
76
56.
2
1220
1015
129
8
405
2
0397
5
502
2
3556
3
24
279
86
(94)
1
490
6
7478
7
3.8
1220
0916
141
7
251
2
6913
2
045
1
1156
1
7
138
35
29
(6
46)
745
84
53.
8
1220
0817
192
8
192
5
0836
3
532
1
2305
1
79
151
07
(62)
9
71
529
22
126
.3
1220
0718
745
9
6
314
06
106
9
633
1
52
7
299
1
1
142
3
6246
1
07.2
1220
0619
497
7
6
172
78
205
5
611
9
49
8
400
1
26
(303
) 3
1155
8
1.9
1220
0520
336
3
1
162
75
60
2
033
8
8
223
1
47
(9
7)
347
90
53.
1
Prio
r acc
iden
t yea
rs21
137
3
333
1
6430
9
43
192
64
937
5
05
Tota
l (11
to 2
1)29
175
6
241
67
101
529
7
656
1
1823
4
255
6
125
62
30 2
4167
1
0152
9
765
6
118
234
2
556
1
2562
Li
ne 2
9 ex
pres
sed
in s
terli
ng
120
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
and
conv
erte
d to
Brit
ish
Poun
d
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Hom
e Fo
reig
n
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3YB
PAB
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
+6-7
-8)
12
34
56
78
910
11
1220
04 5
14
44
1
0690
3
18
280
9
20
1
441
3
6
167
0
209
56
66.
0
1220
03 1
117
3
2
146
37
34
8
82
74
4
478
(2
) (3
486)
3
1423
4
9.7
1220
02 1
982
1
2
168
47
312
1
118
1
50
668
5
0
862
1
9235
9
5.8
1220
01 3
107
5
2
4264
1
35
156
9
171
4
948
3
2
(310
5)
171
50
152
.4
1220
00 4
164
4
4
0031
1
30
428
6
7
262
0
7
179
6
175
49
253
.3
1219
99 6
104
6
2
6009
2
75
256
8
17
1
315
(6
5)
160
9
115
48
250
.0
1219
98 8
369
5
4
4694
1
71
355
8
2
63
(42)
3
13
273
08
165
.6
1219
97 8
447
3
2
9793
1
59
138
2
03
27
(2
34)
706
2
9496
1
02.7
1219
96 5
385
1
1
9906
3
1
5
5
(17)
3
2383
6
1.5
1219
95 6
234
1
3
3094
3
1
12
1
(110
) 3
3548
9
8.7
1219
94 4
435
1
1
6896
3
1
00
2
(99)
1219
93 5
160
1
2
0982
3
1
11
4
(112
)
1219
92 4
304
1
1
8915
3
2
1
121
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
and
conv
erte
d to
Brit
ish
Poun
d
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Hom
e Fo
reig
n
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3YB
PAB
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
+6-7
-8)
12
34
56
78
910
11
1219
91 3
065
1
2
1877
3
1
2
1219
90 2
079
6
1
6018
5
31
242
9
265
2
782
9
99
(556
)
1219
89 2
013
2
8
072
3
1
3
41
1
8
(26)
1219
88 1
447
5
404
1219
87 1
226
7
506
1219
86 1
381
6
886
1219
85 1
592
3
1
2513
1
268
8
0
9
176
6
3
111
8
1219
84 1
551
2
1
3455
3
6
4
41
1
5
(16)
1219
83 1
507
2
7
299
2
4
3
27
1
0
(10)
1219
82 9
85
3
603
6
57
6
6
2
23
(2
3)
1219
81 7
10
2
742
2
30
3
3
4
13
(1
4)
1219
80 1
52
165
1
1219
79 1
25
112
6
122
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
and
conv
erte
d to
Brit
ish
Poun
d
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Hom
e Fo
reig
n
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3YB
PAB
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
rrie
d fo
rwar
dbr
ough
t for
war
d(la
test
yea
r) o
rea
rned
%de
velo
ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
dur
ing
this
cla
ims
finan
cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
+6-7
-8)
12
34
56
78
910
11
1219
78 1
41
209
4
1219
77 9
2
784
1219
76 1
24
454
1219
75
1219
74
1219
73
1219
72
1219
71
1219
70
1219
69
1219
68
1219
67
1219
66
123
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yEu
ro
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Ove
rsea
s
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3EU
RXX
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioA
ccid
ent y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
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war
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test
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%de
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ped
prem
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lose
d at
som
e R
epor
ted
In p
revi
ous
In th
isR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
yea
rs)
cost
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ing
this
cla
ims
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cial
yea
rs fi
nanc
ial
not r
epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
Mon
thYe
arfin
anci
al y
ears
(4+5
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34
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78
910
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118
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8
310
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49
453
36
468
34
96.
8
1220
1312
216
3
455
3
665
7
908
2
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1
4307
4
0166
8
107
2
053
5
2208
1
03.4
1220
1213
269
7
577
1
1180
4
803
2
4233
1
443
2
5490
1
076
3
914
4
8771
8
5.4
1220
1114
434
7
425
1
4858
6
352
2
0042
1
56
253
29
(641
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862
4
8567
8
5.3
1220
1015
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2
235
1
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4
918
6
912
5
7
110
56
410
7
(327
7)
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36
77.
7
1220
0916
468
2
195
1
7385
6
45
761
3
61
8
777
1
265
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724)
3
7811
6
8.0
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0
211
2
8351
3
37
876
6
10
1
0015
(4
38)
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7394
6
5.3
1220
0718
588
5
235
3
8463
8
79
614
6
(48)
7
605
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08)
(420
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5999
9
8.8
1220
0619
578
3
212
3
3967
8
48
570
7
(23)
6
676
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33)
89
5
2737
7
6.8
1220
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483
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100
2
7731
5
95
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8
(29)
7
302
2
20
(448
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2211
6
6.7
Prio
r acc
iden
t yea
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206
1
850
1
4313
(9
9)
162
46
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7
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to 2
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397
6
324
72
159
401
2
6783
1
5866
2
129
75
470
18
30 2
6164
1
2843
6
215
80
127
841
1
0454
3
7885
Li
ne 2
9 ex
pres
sed
in s
terli
ng
124
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
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Cur
renc
yEu
ro
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Ove
rsea
s
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
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y
ear
Mon
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ory
Cur
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yte
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ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3EU
RXX
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
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Gro
ss c
laim
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rwar
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war
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test
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ped
prem
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sC
lose
d at
som
e R
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ted
In p
revi
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rred
but
Rep
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curr
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ther
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nanc
ial
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ted
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ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
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anci
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ear
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yea
rsM
onth
Year
(4+5
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12
34
56
78
910
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1220
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150
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3
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14
829
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6
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424
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63
411
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72.
9
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5
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(363
) 6
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4
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00 6
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1
4
263
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7
97
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9
26
6
(73)
5
2945
5
1.5
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99 5
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5
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513
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535
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7.7
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94 1
816
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1
2839
5
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03
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(6
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93 1
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1
1
0459
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4
7
(45)
1219
92 1
597
1
7
612
5
5
1
50
6
125
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yEu
ro
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Ove
rsea
s
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3EU
RXX
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
s pa
idca
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rwar
dbr
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war
d(la
test
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r) o
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%de
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ped
prem
ium
sC
lose
d at
som
e R
epor
ted
In p
revi
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In th
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ted
Incu
rred
but
Rep
orte
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curr
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ut(o
ther
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rs)
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this
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cial
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rs fi
nanc
ial
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epor
ted
not r
epor
ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
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12
34
56
78
910
11
1219
91 1
683
9
743
6
(6
)
1219
90 1
840
1
8
778
8
8
1219
89 1
806
1
8
606
4
0
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1219
88 1
769
1
8
534
3
5
35
1219
87 1
569
7
064
1219
86 1
293
5
634
1219
85 1
385
3
3
744
1
01
16
8
6
1219
84 1
338
3
698
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83 1
265
3
113
1219
82 1
80
114
1219
81 7
1
71
1219
80 7
0
56
1219
79 5
2
22
126
1703
2015
:19:
37:1
1Fo
rm 3
1(c
ontin
uatio
n sh
eet)
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
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Cur
renc
yEu
ro
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Ove
rsea
s
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
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ateg
ory
Cur
renc
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rrito
ryPu
blic
and
pro
duct
s lia
bilit
ynu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
027
3EU
RXX
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioAc
cide
nt y
ear e
nded
Num
ber o
f cla
ims
Gro
ss c
laim
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idca
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test
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lose
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nanc
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ted
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ted
durin
g th
isor
pre
viou
sou
tsta
ndin
gye
arfin
anci
al y
ear
finan
cial
yea
rsM
onth
Year
(4+5
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12
34
56
78
910
11
1219
78 4
6
55
1219
77 5
5
17
1219
76 6
3
29
1219
75
1219
74
1219
73
1219
72
1219
71
1219
70
1219
69
1219
68
1219
67
1219
66
127
1703
2015
:19:
37:1
1Fo
rm 3
1
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
Cur
renc
yB
ritis
h Po
und
and
conv
erte
d to
Brit
ish
Poun
d
Glo
bal b
usin
ess
R
epor
ting
Terr
itory
Wor
ld w
ide
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
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ateg
ory
Cur
renc
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ryM
arin
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llnu
mbe
rC
M u
nits
num
ber
code
code
R31
9379
2G
L31
12
20
1400
034
2YB
PW
W
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioA
ccid
ent y
ear e
nded
Num
ber o
f cla
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Gro
ss c
laim
s pa
idca
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rwar
dbr
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t for
war
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test
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r) o
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%de
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ped
prem
ium
sC
lose
d at
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Incu
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Rep
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g th
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sou
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Mon
thYe
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78
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11
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149
14
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89
311
35
846
38
119
075
7
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1220
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510
3
424
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122
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201
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3
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1114
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0916
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0718
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0619
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0520
Prio
r acc
iden
t yea
rs21
Tota
l (11
to 2
1)29
191
54
625
63
434
01
201
53
142
59
907
06
30 1
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6
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4
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2
0153
1
4259
9
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4)
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29.
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1220
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36.
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2941
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133
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043
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0774
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71.
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959
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7.6
Prio
r acc
iden
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325
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204
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3842
2
9634
1
6110
6
27
Tota
l (11
to 2
1)29
110
717
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0495
5
408
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465
003
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7978
3
7648
4
30 4
0495
5
408
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465
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9
7978
3
7648
4
Line
29
expr
esse
d in
ste
rling
133
1703
2015
:19:
37:1
1Fo
rm 3
2
Gen
eral
insu
ranc
e bu
sine
ss (a
ccid
ent y
ear a
ccou
ntin
g) :
Anal
ysis
of g
ross
cla
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prem
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r mot
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irect
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ranc
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d fa
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e of
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al &
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ance
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d
Glo
bal b
usin
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ryU
nite
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ther
than
hom
e fo
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n
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ncia
l yea
r end
ed31
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embe
r 201
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ompa
nyG
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ting
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rC
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nits
num
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code
R32
9379
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L31
12
20
1400
022
2G
BP
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ss c
laim
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orte
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rred
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orte
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100
76
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5)
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58.
0
93
1
9.3
1220
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172
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22)
166
13
121
6
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6)
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68.
0
87
2
0.9
1220
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00
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1730
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4)
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116
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97.
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46)
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9.2
1220
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42
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63)
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114
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2.8
1220
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90)
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73.
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1
4.2
1220
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180
32
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1
Prio
r acc
iden
t yea
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5
21
60
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2
815
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861
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738
62
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Li
ne 2
9 ex
pres
sed
in s
terli
ng
134
1703
2015
:19:
37:1
1Fo
rm 3
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
C
urre
ncy
Brit
ish
Poun
d an
d co
nver
ted
to B
ritis
h Po
und
Glo
bal b
usin
ess
Rep
ortin
g Te
rrito
ryW
orld
wid
e
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
rynu
mbe
rC
M u
nits
num
ber
code
code
R34
9379
2G
L31
12
20
1400
033
1YB
PW
W
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioU
nder
writ
ing
year
end
edG
ross
cla
ims
paid
carr
ied
forw
ard
brou
ght f
orw
ard
(late
st y
ear)
or
writ
ten
%de
velo
ped
prem
ium
sIn
pre
viou
sIn
this
fina
ncia
lR
epor
ted
Incu
rred
but
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orte
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curr
ed b
ut(o
ther
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cial
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rsye
arno
t rep
orte
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orte
ddu
ring
this
finan
cial
yea
rM
onth
Year
(2+3
+4-5
-6)
12
34
56
78
9
1220
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1220
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1220
1015
1220
0916
1220
0817
3
465
0
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1220
0718
262
0
521
7
4
5
26
37
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1)
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2
221
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1220
0619
102
1
6
35
1
7
35
3
2
1
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1
17.8
1220
0520
486
9
37
2
05
100
2
56
18
6
8
894
2
58.
3
Prio
r und
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ritin
g ye
ars
21 1
748
2
2035
9
869
1
1206
7
120
50
(904
65)
Tota
l (11
to 2
1)29
231
2
222
82
999
0
112
883
1
2108
(9
0408
)
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312
2
2282
9
990
1
1288
3
121
08
(904
08)
Avi
atio
n lia
bilit
y
Line
29
expr
esse
d in
ste
rling
135
1703
2015
:19:
37:1
1Fo
rm 3
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
C
urre
ncy
Brit
ish
Poun
d an
d co
nver
ted
to B
ritis
h Po
und
Glo
bal b
usin
ess
Rep
ortin
g Te
rrito
ryW
orld
wid
e
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
rynu
mbe
rC
M u
nits
num
ber
code
code
R34
9379
2G
L31
12
20
1400
034
2YB
PW
W
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
cla
ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioU
nder
writ
ing
year
end
edG
ross
cla
ims
paid
carr
ied
forw
ard
brou
ght f
orw
ard
(late
st y
ear)
or
writ
ten
%de
velo
ped
prem
ium
sIn
pre
viou
sIn
this
fina
ncia
lR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
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cial
yea
rsye
arno
t rep
orte
dno
t rep
orte
ddu
ring
this
finan
cial
yea
rM
onth
Year
(2+3
+4-5
-6)
12
34
56
78
9
1220
1411
1220
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1220
1213
509
22
235
73
155
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803
3
0220
2
680
7
056
1
2943
0
70.
2
1220
1114
841
23
110
06
133
04
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8)
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43
243
0
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1)
126
527
8
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1220
1015
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62
207
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0
130
2
1511
5
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8
66.
7
1220
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539
21
220
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1
169
9
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9
0
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3)
126
734
4
8.5
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67
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1
565
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28
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97
78.
5
1220
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521
20
431
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234
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7)
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8
62
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63)
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73
76.
3
1220
0619
670
16
702
1
273
1
29
215
8
11
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5)
665
29
103
.9
1220
0520
376
13
412
1
83
921
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26)
546
24
69.
9
Prio
r und
erw
ritin
g ye
ars
21 1
7661
4
677
7
687
2
4934
2
1362
(1
6271
)
Tota
l (11
to 2
1)29
775
41
480
73
595
4
122
429
2
7231
(1
8092
)
30 7
7541
4
8073
5
954
1
2242
9
272
31
(180
92)
Mar
ine
hull
Line
29
expr
esse
d in
ste
rling
136
1703
2015
:19:
37:1
1Fo
rm 3
4
Gen
eral
insu
ranc
e bu
sine
ss (u
nder
writ
ing
year
acc
ount
ing)
: A
naly
sis
of g
ross
cla
ims
and
prem
ium
s by
risk
cat
egor
y fo
r dire
ct in
sura
nce
and
facu
ltativ
e re
insu
ranc
e
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
C
urre
ncy
Brit
ish
Poun
d an
d co
nver
ted
to B
ritis
h Po
und
Glo
bal b
usin
ess
Rep
ortin
g Te
rrito
ryW
orld
wid
e
Fina
ncia
l yea
r end
ed31
Dec
embe
r 201
4C
ompa
nyG
L/R
epor
ting
regi
stra
tion
UK
/da
y m
onth
y
ear
Mon
etar
yC
ateg
ory
Cur
renc
yte
rrito
rynu
mbe
rC
M u
nits
num
ber
code
code
R34
9379
2G
L31
12
20
1400
035
0YB
PW
W
Gro
ss c
laim
s ou
tsta
ndin
g G
ross
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ims
outs
tand
ing
Cla
ims
incu
rred
Gro
ssC
laim
s ra
tioU
nder
writ
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year
end
edG
ross
cla
ims
paid
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ied
forw
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ght f
orw
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st y
ear)
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ten
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ped
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ium
sIn
pre
viou
sIn
this
fina
ncia
lR
epor
ted
Incu
rred
but
Rep
orte
dIn
curr
ed b
ut(o
ther
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rs)
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cial
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rsye
arno
t rep
orte
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t rep
orte
ddu
ring
this
finan
cial
yea
rM
onth
Year
(2+3
+4-5
-6)
12
34
56
78
9
1220
1411
1220
1312
1220
1213
834
31
114
45
177
23
(200
0)
306
57
743
1
(109
20)
149
474
7
4.0
1220
1114
940
10
318
3
816
5
(108
2)
128
52
(387
) (2
199)
1
3744
4
75.
9
1220
1015
869
80
135
0
151
1
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) 2
992
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01)
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) 1
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68.
8
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56
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4
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6
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3
296
2
864
3
3
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9
4567
7
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1220
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34
15
1
015
1
543
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13)
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62.
8
1220
0619
355
27
(552
) 4
21
105
8
(118
9)
949
23
37.
3
1220
0520
396
45
(160
) 1
51
310
(3
19)
764
26
51.
9
Prio
r und
erw
ritin
g ye
ars
21 3
75
710
(2
) 1
204
(1
) (1
20)
Tota
l (11
to 2
1)29
158
01
340
50
(355
3)
549
30
658
7
(152
19)
30 1
5801
3
4050
(3
553)
5
4930
6
587
(1
5219
)
Prim
ary
(dire
ct) a
nd fa
culta
tive
good
s in
tr
ansi
t
Line
29
expr
esse
d in
ste
rling
137
17032015:19:37:11
138
Form 36
Currency rates
Name of insurer Royal & Sun Alliance Insurance plc
Global business
Financial year ended 31 December 2014 Company GL/registration UK/ day month yearnumber CM
R36 93792 GL 31 12 2014
Name of currency Currency code No. of units to£ sterling
EUR 1.241090
AUD 1.000000
Euro
Australian Dollar
1703
2015
:19:
37:1
1Fo
rm 3
7
Equa
lisat
ion
prov
isio
ns
Nam
e of
insu
rer
Roy
al &
Sun
Alli
ance
Insu
ranc
e pl
c
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Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
142
*0101* Modification to the Return
This return has been prepared in accordance with the Accounts and Statements Rules, as modified by a direction made by the FSA, now the PRA and FCA dated 3 December 2012 under section 148 of the Act. The effect of the direction is to enable Royal & Sun Alliance Insurance plc to provide a Group return in respect of the companies listed on page 161, such companies being required to maintain appropriate reinsurance arrangements and deeds of indemnity with RSAI.
*0103* Company solvency statements
Forms 1, 3, 11 and 12 for each of the companies included in the Group return are shown on pages 162 to 172.
*0104* Reclassification of Tier 1 capital resources
RSA Insurance Group plc issued £400m of subordinated debt in December 2014 that was guaranteed by RSA Insurance plc. As required by GENPRU 2.2.65R, this has been treated as a connected transaction and £400m has been disqualified from tier one capital. The instrument meets the criteria of a lower tier two instrument and therefore has been included in line 52 of form 3.
*0301* Reconciliation of capital resources £'000 Form 13 Line 89 16,742,959 Form 15 Line 69 (14,869,505) Subordinated loan capital 569,721 Disallowed tier 1 capital (4,971) Related Regulated Undertakings capital requirement 839,727 Form 3 line 79 3,277,931 *0310* Details of certain valuation differences
Negative valuation differences on line 35 of form 3 consists of £81,500k relating to the revaluation of pension deficits to the pension deficit reduction amount, £3,745k revision to claims equalisation reserve, £4,971k arising from tier 1 capital disallowed by reason of the irrevocable guarantee given by Royal & Sun Alliance Insurance plc (‘RSAI’) to RSA Insurance Group plc (‘RSAIG’) in respect of US$7.8m 8.95% Subordinated Guaranteed Bonds.
*0313* Reconciliation of the movement in profit & loss and other reserves £'000 Form 3 Line 12 Column 3 112,967 Form 3 Line 12 Column 4 223,601 Change in revision to equalisation provision (1,294) Form 16 Line 59 335,274 *1301* Aggregate value of certain investments
The Group held £958,796k in unlisted securities, listed securities not readily realisable and collective investment schemes, the majority of which was certificates of deposit issued by UK banks and holdings in collective investment schemes.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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*1302* Hybrid securities The aggregate value of hybrid securities included within lines 46 or 48 is £31,001k. *1303* Salvage and subrogation Included within row 78 of form 13 is an amount £10,531k (2013 £10,394k) in respect of salvage and
subrogation.
*1304* Set off Assets and liabilities have been set off to the extent permitted by generally accepted accounting
principles. *1305* Counterparty limits
The maximum investment exposure to any one counterparty permitted by the Group’s investment guidelines was £891m. This amount was not exceeded during the year.
*1306* Large exposure
The Group has amounts due from its parent and connected companies of £307,937k which has been restricted to 1% of its general business amount.
*1307* Reinsurance exposure guaranteed by a credit institution
The Group held letters of credit to a value of £78.5m at 31 December 2014 in respect of its reinsurance exposure.
*1318* Details of other asset adjustments £'000 100% minority share adjustment in dependants (16,379) Claims discounting in dependants 108,774 Form 13 line 101 92,395 *1501* Assumptions re provision for adverse charges
No provision for adverse charges has been made as liabilities are matched to assets. *1502* Details of charges over assets, potential capital gains tax liability, contingent liabilities, other
guarantees and indemnities and fundamental uncertainties
a) Charges over assets At 31 December 2014, the Group had pledged £769m of financial assets as collateral for liabilities and contingent liabilities. The nature of the assets pledged as collateral comprises government securities of £711m included within Form 13 line 45, cash and cash equivalents of £26m included within Form 13 line 81 and debt securities £32m included within Form 13 Line 46. The terms and conditions of the collateral pledged are market standard in relation to letter of credit facilities. The liabilities secured by these assets consist outstanding claims £240m included within Line 12 of Form15, amounts owed to credit institution £299m included within Line46 of Form 15 and derivative liabilities £26m included within Line 49 of Form 15.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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b) Potential capital gains tax liability There would be no potential capital gains tax liability on a disposal of assets. c) Contingent liabilities The Group has no contingent liabilities other than in the normal course of insurance business. d) Other guarantees, indemnities or other contractual commitments RSA Insurance Group plc (RSAIG) has issued US$23.682m 8.95% Subordinated Guaranteed Bonds due 15 October 2029. Under the First Supplemental Indenture dated 2 March 2007 to an indenture dated 1 October 1999 between the RSAIG, RSAI and Deutsche Bank Trust Company Americas, RSAI irrevocably and unconditionally guaranteed the obligations of RSAIG pursuant to the Bonds, including the payment of capital and interest, on a direct, unsecured and subordinated basis. In the event of the winding up of RSAI, the claims of the Bondholders will be subordinated in right of payment, in the manner provided in the Indenture, to all claims of the senior creditors (including all policyholders) of RSAI. RSAIG has issued £500m 9.375% Guaranteed Subordinated Step-up Notes due 20 May 2039. Under a Trust Deed dated 20 May 2009, RSAI irrevocably guaranteed the due and punctual payment of all principal, interest and other sums payable by RSAIG on a subordinated basis. In the event of a winding up of RSAI, the claims of the Bondholders will be subordinated in the manner provided in the Trust Deed to the claims of all senior creditors of RSAI. RSAIG has issued £400m 5.125% Fixed Rate Reset Guaranteed Step-up Notes due 10 October 2045. Under a Trust Deed dated 10 October 2014, RSAI irrevocably guaranteed the due and punctual payment of all principal, interest and other sums payable by RSAIG on a subordinated basis. In the event of a winding up of RSAI, the claims of the Bondholders will be subordinated in the manner provided in the Trust Deed to the claims of all senior creditors of RSAI. There is a syndicated £500m credit facility entered into between RSAIG, Royal Insurance Holdings plc and RSAI and 11 banks. RSAI irrevocably and unconditionally guarantees the obligations of RSAIG and RIH pursuant to the facility. RSAIG also guarantees the obligations of the other borrowers (including RSAI and RIH) pursuant to the facility. RIH also guarantees the obligations of the other borrowers (including RSAIG and RSAI) pursuant to the facility. £0M has been drawn down under this facility at 31 December 2014. RSAIG has issued £375m 6.701% Perpetual Guaranteed Subordinated Capital Securities. Under a Trust Deed dated 12th May 2006, RSAI irrevocably guaranteed the due and punctual payment of all principal, coupon payments, deferred interest and other sums and all monies payable by the issuer. In the event of the winding up of RSAI, the claims of the holders will be subordinated in right of payment, in the manner provided in the Trust Deed, to the claims of all other creditors (including all policyholders) of RSAI. In respect of these guarantees, in this return no provision has been made on Form 15 and no contingent liability has been disclosed in (c) above.
e) Uncertainties and contingencies The uncertainty arising under insurance contracts may be characterised under a number of specific headings, such as: • uncertainty as to whether an event has occurred which would give rise to a policyholder
suffering an insured loss; • uncertainty as to the extent of policy coverage and limits applicable; • uncertainty as to the amount of insured loss suffered by a policyholder as a result of the event
occurring; and • uncertainty over the timing of a settlement to a policyholder for a loss suffered.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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The degree of uncertainty will vary by policy class according to the characteristics of the insured risks and the cost of a claim will be determined by the actual loss suffered by the policyholder. There may be significant reporting lags between the occurrence of the insured event and the time it is actually reported to the Group. Following the identification and notification of an insured loss, there may still be uncertainty as to the magnitude and timing of the settlement of the claim. There are many factors that will determine the level of uncertainty such as inflation, inconsistent judicial interpretations and court judgments that broaden policy coverage beyond the intent of the original insurance, legislative changes and claims handling procedures. The establishment of insurance liabilities is an inherently uncertain process and, as a consequence of this uncertainty, the eventual cost of settlement of outstanding claims and unexpired risks can vary substantially from the initial estimates, particularly for the Group’s long tail lines of business. The Group seeks to provide appropriate levels of claims provision and provision for unexpired risks taking the known facts and experience into account. The Group has exposures to risks in each class of business within each operating segment that may develop and that could have a material impact upon the Group’s financial position. The geographic and insurance risk diversity within the Group’s portfolio of issued insurance policies make it not possible to predict whether material development will occur and, if it does occur, the location and the timing of such an occurrence. The estimation of insurance contract liabilities involves the use of judgments and assumptions that are specific to the insurance risks within each territory and the particular type of insurance risk covered. The diversity of the insurance risks results in it not being possible to identify individual judgments and assumptions that are more likely than others to have a material impact on the future development of the insurance contract liabilities. The sections below identify a number of specific risks relating to asbestos and environmental claims. There may be other classes of risk which could develop in the future and that could have a material impact on the Group’s financial position. The Group evaluates the concentration of exposures to individual and cumulative insurance risk and establishes its reinsurance policy to manage such exposure to levels acceptable to the Group.
Asbestos and environmental claims The estimation of the provisions for the ultimate cost of claims for asbestos and environmental pollution is subject to a range of uncertainties that is generally greater than those encountered for other classes of insurance business. As a result it is not possible to determine the future development of asbestos and environmental claims with the same degree of reliability as with other types of claims, particularly in periods when theories of law are in flux. Consequently, traditional techniques for estimating claims provisions cannot wholly be relied upon and the Group employs specialised techniques to determine provisions using the extensive knowledge of both internal asbestos and environmental pollution experts and external legal and professional advisors.
Factors contributing to this higher degree of uncertainty include:
• the long delay in reporting claims from the date of exposure (for example, cases of mesothelioma
can have a latent period of up to 40 years). This makes estimating the ultimate number of claims the Group will receive particularly difficult;
• issues of allocation of responsibility among potentially responsible parties and insurers; • emerging court decisions and the possibility of retrospective legislative changes increasing or
decreasing insurer liability; • the tendency for social trends and factors to influence court awards; • developments pertaining to the Group’s ability to recover reinsurance for claims of this nature; and
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
146
• for US liabilities from the Group’s London market business, developments in the tactics of US plaintiff lawyers and court decisions and awards.
Potential change in discount rate for lump sum damages awards Legislative changes may affect the Group’s liability in respect of unsettled claims in the use of predetermined factors used by courts to calculate compensation claims. For example, in the UK, standard formulae are used as an actuarial measure by the courts to assess lump sum damages awards for future losses (typically loss of earnings arising from personal injuries and fatal accidents). The calibration of these standard formulae can be updated by the UK Government and the Lord Chancellor may review the methodology to be applied in determining the discount rate to calculate the appropriate settlements, or the discount rate itself, in due course. A reduction in the prescribed discount rate would increase the value of future claims settlements.
Acquisitions and disposals The Group makes acquisitions and disposals of businesses as part of its normal operations. All acquisitions are made after due diligence, which will include, amongst other matters, assessment of the adequacy of claims reserves, assessment of the recoverability of reinsurance balances, inquiries with regard to outstanding litigation and inquiries of local regulators and taxation authorities. Consideration is also given to potential costs, risks and issues in relation to the integration of any proposed acquisitions with existing RSA operations. The Group will seek to receive the benefit of appropriate contractual representations and warranties in connection with any acquisition and, where necessary, additional indemnifications in relation to specific risks although there can be no guarantee that these processes and any such protection will be adequate in all circumstances. The Group may also provide relevant representations, warranties and indemnities to counterparties on any disposal. These clauses are customary in such contracts and may from time to time lead to us receiving claims from counterparties.
Contracts with third parties The Group enters into outsourcing contracts and distribution arrangements with third parties in the normal course of its business and is reliant upon those third parties being willing and able to perform their obligations in accordance with the terms and conditions of the contracts.
Litigation, disputes and investigations The Group, in common with the insurance industry in general, is subject to litigation, mediation and arbitration, and regulatory, governmental and other sectoral inquiries and investigations in the normal course of its business. Based on current information the directors do not believe that any current mediation, arbitration, regulatory, governmental or sectoral inquiries and investigations and pending or threatened litigation or dispute will have a material adverse effect on the Group’s financial position, although there can be no assurance that losses or financial penalties resulting from any current mediation, arbitration, regulatory, governmental or sectoral inquiries and investigations and pending or threatened litigation or dispute will not materially affect the Group’s financial position or cash flows for any period.
Reinsurance The Group is exposed to disputes on, and defects in, contracts with its reinsurers and the possibility of default by its reinsurers. The Group is also exposed to the credit risk assumed in fronting arrangements and to potential reinsurance capacity constraints. In selecting the reinsurers with whom the Group conducts business its strategy is to seek reinsurers with the appropriate combination of financial strength, price and capacity. The Group Corporate Centre publishes internally a list of
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
147
authorised reinsurers who pass the Group’s selection process and which its operations may use for new transactions. The Group monitors the financial strength of its reinsurers, including those to whom risks are no longer ceded. Allowance is made in the financial position for non recoverability due to reinsurer default by providing, in line with Group standards, having regard to companies on the Group’s ‘Watch List’. The ‘Watch List’ is the list of companies whom the Group’s directors believe will not be able to pay amounts due in full. Investment risk The Group is exposed to market risk and credit risk on its invested assets. Market risk includes the risk of potential losses from adverse movements in market rates and prices including interest rates, equity prices, property prices and foreign currency exchange rates. The Group’s exposure to market risks is controlled by the setting of investment limits in line with the RSA Insurance Group’s risk appetite. From time to time the Group also makes use of derivative financial instruments to reduce exposure to adverse fluctuations in foreign exchange rates and equity markets. The Group has strict controls over the use of derivative instruments. Credit risk includes the non performance of contractual payment obligations on invested assets and adverse changes in the credit worthiness of invested assets including exposures to issuers or counterparties for bonds, equities, deposits and derivatives. Limits are set at both a portfolio and counterparty level based on likelihood of default to manage the RSA Insurance Group’s overall credit profile and specific concentrations within risk appetite. The Group’s insurance investment portfolios are concentrated in listed securities with very low levels of exposure to assets without quoted market prices. The Company uses model based analysis to verify asset values when market values are not readily available. Rating environment The ability of the Company to write certain types of insurance business is dependent on the maintenance of the appropriate credit ratings from the rating agencies. The RSA Insurance Group has the objective of maintaining single ‘A’ ratings. At the present time the ratings are ‘A-’ (Developing Credit Watch outlook) from S&P and ‘A2’ by Moody’s. A worsening in the ratings, below objective, could have an adverse impact on the ability of the Company to write certain types of general insurance business.
In assessing credit risk in relation to reinsurance and investments, the RSA Insurance Group takes into account a variety of factors, including credit rating. If any such rating changes, or is otherwise reassessed, this has potential implications for the related exposures. Foreign exchange risk The Group publishes financial statements in Pounds Sterling. Therefore, fluctuations in exchange rates used to translate other currencies, particularly other European currencies, Hong Kong dollar, Singapore dollar and the Canadian dollar, into Pounds Sterling will impact the reported financial condition, results of operations and cash flows from period to period. These fluctuations in exchange rates will also impact the Pound Sterling value of and the return on the Group’s investments.
Income and expenses for each profit & loss account item are translated at average exchange rates. Assets and liabilities, as reported in the balance sheet, are translated at the closing exchange rates at the end of the reporting period.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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Regulatory environment The legal, regulatory and accounting environment is subject to significant change in many of the jurisdictions in which the Group operates, including developments in response to changes in the economic and political environment. The Group continues to monitor the developments and react accordingly. Solvency II, the new solvency framework being introduced by the EU with effect from 1 January 2016 is intended to achieve greater harmonisation of approach across EU member states to assessing capital resources and requirements. Although there still remains some uncertainty as to the final rules, the Company is actively involved in ensuring it meets the requirements through detailed implementation plans. The Company will be seeking regulatory approval to use an internal model to calculate the Solvency Capital Requirement (SCR). There is a risk that its regulator may elect not to give approval for the whole, or parts of, the model. This may mean that the Company would need to use elements of the standard formula for calculating the SCR, which may be materially different to the SCR calculated using the internal model. The Company maintains close and regular dialogue with its regulators throughout the journey to internal model approval and the Directors are confident that the Company will continue to meet all future regulatory capital requirements.
*1507* Details of other adjustments to liabilities The amount included in Form 15 line 83 represents the restriction of pension assets and liabilities.
*1601* Basis of conversion of foreign currency Foreign currency revenues are translated into Pound Sterling using the cumulative average rate for the financial year. Adjustments have been made to the general business technical reserves arising from translation from year end rates.
*1602* Restatement of amounts arising from currency conversion
Some of the brought forward amounts shown in Forms 11,12, 21 to 24, 28, 31, 32 and 34 have been restated from the corresponding carried forward amounts included in the previous year’s return due to the conversion of foreign currency amounts at different rates of exchange.
*1603* Other income and charges Other income and charges shown on Form 16, Line 21 are made up as follows: 2014 2013 £'000 £'000 Actuarial gains/(losses) 97,235 (148,878) Foreign exchange gains/(losses) 11,286 (7,201) Unallocated central expenses (76,927) (51,434) Associates result 3,003 1,570 Amortisation of intangible assets and goodwill (1,731) (11,710) Reorganisation costs (45,068) (44,755) Other (8,859) (22,973) Total (21,061) (285,381)
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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*1701* Variation margin
There has been no excess variation margin received due to market movements that has subsequently been partly or wholly reversed.
There is no excess variation margin included in Form 13. *1702* Quasi derivatives Quasi derivatives assets and liabilities are in aggregate below the respective 2.5% aggregate values
of assets and liabilities. *20Aa* Details of contracts which fall within more than one risk category (£’000)
Category Description GWP OCR IBNR UPR
114 Personal accident or sickness 363 78 - 147 160 Household and domestic all risks 3,012 353 - 988 184 Legal expenses 133 86 - 75 221 Fleets 116 9,042 - 59 222 Commercial vehicles (non fleet) 18 1,154 - 8 261 Commercial property 271,257 150,379 21,977 119,281 262 Consequential loss 55,155 36,763 4,993 22,219 263 Contractors or engineering all risks 33,194 65,252 - 17,652 271 Employers liability 74,100 168,315 2,074 32,884 272 Professional indemnity 1,122 1,058 - 506 273 Public and products liability 100,530 176,840 23,640 40,102
The businesses which are allocated to more than one risk category are combined contracts where the risk falls across a number of risk categories as shown above. The method of allocation has been based on either, an allocation of case estimates or using policy section types. The reasoning for the allocation decision is that the business covers multiple risks that are not rated on a single package basis.
*20Ab* Risks of Death or Injury to Passengers
Contracts of insurance against risks of death of, or injury to, passengers have been allocated to the risk categories of private motor comprehensive, private motor non-comprehensive, motor cycle, fleets, commercial vehicles and yacht.
*20Ac* Miscellaneous and Other Motor
No business has been allocated to category numbers 223, 400 or 700. Risk category 187 includes contracts of insurance against risk of loss to the person insured attributable to loss or breakdown of a personal item that attach to the purchase of that item.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
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*20Ad* Claims made policies
The following amounts were reported in Form 20A in respect of claims-made policies.
Category Description GWP OCR IBNR UPR
272 Professional indemnity 106,050 175,370 139,990 51,308 There were no amounts reported for category 272 in Form 20A that arose from non-claims made
policies.
*20Ae* Total facultative business reported under category 002 (£’000)
GWP OCR IBNR UPR
24,605 14,554 3,855 17,898 *20Af* Amounts reported under Travel, Mixed commercial package and Energy (£’000) Travel Annex 11.2 ii class GWP OCR IBNR UPR Assistance 5,261 991 237 1,186 Mixed Commercial Packages Annex 11.2 ii class GWP OCR IBNR UPR Fire and other damage to property 51,817 8,389 801 23,700 Liability 5,479 14,701 1,289 2,468 Accident & Health 130 31 3 61 Other/Miscellaneous 198 51 6 92 Energy Annex 11.2 ii class GWP OCR IBNR UPR Fire and other damage to property - 799 - - Liability - 13,893 238 - *20Ag* Gross Written Premium for UK and overseas businesses (£’000)
Category number
PRA return general insurance business reporting category Overseas Home
Foreign UK Other Total
111 Medical insurance 827 - - 827
112 HealthCare cash plans 1,977 - - 1,977
113 Travel 4,794 - 467 5,261
114 Personal Accident or sickness 12,609 - 36,516 49,125
121 Private motor - comprehensive 52,214 - 258,893 311,107
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
151
122 Private motor - non-comprehensive 40,882 - 2,977 43,859
123 Motor cycle 5,863 - - 5,863
160 Household and domestic all risks 22,159 - 709,551 731,710
181 Assistance - - 18,860 18,860
184 Legal Expenses - - 13,626 13,626
186 Pet Insurance 226 - 262,159 262,385
187 Other personal financial loss 89 - 12,917 13,006
221 Fleets 11,428 383 526,396 538,207
222 Commercial vehicles (non-fleet) 16,260 116 75,485 91,861
261 Commercial property 193,519 70,266 295,573 559,358
262 Consequential loss 3,559 41,945 37,118 82,622
263 Contractors or engineering all risks 96,351 29,318 89,526 215,195
271 Employers liability 25,843 2,413 69,336 97,592
272 Professional indemnity 4,704 1,752 104,297 110,753
273 Public and products liability 45,673 20,245 91,161 157,079
274 Mixed commercial package 3,625 - 53,998 57,623
281 Fidelity and contract guarantee (167) 456 7,868 8,157
283 Suretyship 4,615 - 2,135 6,750
341 Marine liability 596 - 32,192 32,788
342 Marine hull 6,658 - 92,523 99,181
345 Freight demurrage and defence 14,531 - - 14,531
346 War risks - - 15,662 15,662
347 Yacht 170 - 11,175 11,345
350 Total primary (direct) and facultative goods in transit 10,227 4,962 162,175 177,364
510 Non-proportional accident and
health 2,674 - - 2,674
520 Non-proportional Motor 1,374 - - 1,374
540 Non-proportional marine 7,450 - - 7,450
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
152
550 Non-proportional transport 1,496 - - 1,496
560 Non-proportional property 40,307 - - 40,307
570 Non-proportional liability (non-motor) 86 - - 86
580 Non-proportional financial lines 132 - - 132
610 Proportional accident and health 2,510 - - 2,510
640 Proportional marine 2,866 - - 2,866
650 Proportional transport 540 - - 540
660 Proportional property 95,757 - - 95,757
670 Proportional liability (non-motor) 137 - - 137
680 Proportional financial lines 5,752 - - 5,752
Risk categories not listed in the above are wholly attributable to the UK. For each risk category (excluding 510 to 590, 610 to 690 and 700 as appropriate), the following
countries account for the overseas business:
Category number
PRA return general insurance business reporting category
Countries
111 Medical insurance Hong Kong, Singapore 112 HealthCare cash plans Italy, Singapore 113 Travel Hong Kong, Singapore 114 Personal accident or sickness Hong Kong, Ireland, Italy, Singapore 121 Private motor- comprehensive Bahrain, Hong Kong, Italy, Singapore
122 Private motor- non-
comprehensive Bahrain, Italy
123 Motor cycle Italy
160 Household and domestic all risks (equals line 6)
Hong Kong, Italy, Singapore
186 Pet Insurance Hong Kong 187 Other personal financial loss Singapore 221 Fleets Hong Kong, Ireland, Italy, Bahrain 222 Commercial vehicles (non-fleet) Bahrain, Hong Kong, Italy, Singapore
261 Commercial property Bahrain, Belgium, Dubai, France, Germany, Greece, Hong Kong, Ireland, Italy, Labuan, Singapore, Netherlands, Spain
262 Consequential loss Hong Kong, Ireland, Italy, Singapore
263 Contractors or engineering all risks
Belgium, Dubai, France, Germany, Hong Kong, Ireland, Italy, Labuan, Netherlands, Singapore, Spain
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
153
271 Employers liability Bahrain, Hong Kong, Ireland, Singapore 272 Professional Indemnity Hong Kong, Labuan, Singapore
273 Public and products liability Bahrain, Belgium, Dubai, France, Germany, Greece, Hong Kong, Ireland, Italy, Netherlands, Singapore, Spain
274 Mixed commercial package Bahrain, Dubai, Singapore 281 Fidelity and contract guarantee Bahrain, Hong Kong 283 Suretyship Italy 341 Marine liability Bahrain, Hong Kong, Singapore
342 Marine Hull Belgium, France, Germany, Hong Kong, Italy,
Labuan, Netherlands, Singapore, Spain 345 Freight demurrage and defence Dubai, Labuan, Singapore 347 Yacht Hong Kong, Singapore
350 Total primary (direct) and facultative goods in transit (equals line 14)
Belgium, France, Germany, Hong Kong, Ireland, Italy, Netherlands, Spain
*20Al* Differences in gross unearned premium at the end of the financial year
There are differences in the total provision for gross unearned premium at the end of the financial year represented in Form 20A and Form 15. This has arisen due to foreign currency revenue items being translated into sterling using the cumulative average rate for the financial year and foreign currency balance sheet items being translated using year end rates.
*20Am* Gross unearned premiums
The entries included in column 4 of Form 20A represent gross unearned premiums *2005* Other technical income or charges
The amount shown for the other technical income and charges relates to Engineering Inspection income which is ancillary to the provision of Engineering insurance cover, and Risk Consultancy service income.
*2007* Material connected-party transactions A number of reinsurance contracts are in place between the companies listed on page 162. No
individual contract is material and all are entered into on an “arms length” basis. RSAI has contracts with other RSA Insurance Group Companies for which movements during the year represent the claims run off experience.
*2102* Basis of calculation of provision for unearned premiums The provision for unearned premiums represents the proportion of the premiums written relating to
periods of insurance subsequent to the balance sheet date, calculated principally on a daily pro-rata basis. Both time apportionment and risk apportionment bases are used, the method depending on the fluctuation of the incidence of risk.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
154
*2103* Provision for unearned premium The provision for unearned premium, both gross and net, reported on lines 12 to 16 do not agree to
balances reported in Forms 13 and 15 as a result of these balances being translated into sterling using the cumulative average rate when Forms 13 and 15 are translated using year end rates.
*2202* Basis for determining claims management expenses Claims management expenses comprise the direct costs of managing and settling claims plus an
attribution of indirect costs associated with the claims function. The provision for claims management costs carried forward represents the expected cost of managing
outstanding claims from the balance sheet date until final settlement. This provision is based on attributable expenses for the year and the number of claims outstanding.
Investment income is not included in the calculation of claims management costs carried forward. *2204* Basis for determining acquisition expenses Acquisition costs comprise all the direct costs of acquiring and retaining business plus an attribution of
indirect costs associated with the underwriting, sales and customer services functions. Deferred acquisition costs are determined by applying average qualifying acquisition costs to the
unearned element of premiums. *2302* Modification to Form 23 requirements The PRA on application of the firms listed on page 161, issued a direction in December 2013, under
section 138A of the Act. The effect of the direction is that the amounts referred to in IPRU (INS) appendix 9.2 Paragraph 3(3) are expressed in sterling as if the conversion had taken place at the closing middle rate or the cumulative average rate pertaining to the financial year in which the amounts were transacted.
*2402* Underwriting year accounting Aviation, marine and marine transport business written in the UK prior to 2013 and the majority of
treaty reinsurance business is reported on an underwriting year basis as this is how the underlying records and statistics are maintained. Marine and transport business written by overseas branches, non-marine transport business written in the UK and certain reinsurance treaty business is reported on an accident year basis.
Claims provisions for business reported on an underwriting year basis are determined using the
annual method. *2404* Basis for determining claims management expenses Claims management expenses comprise the direct costs of managing and settling claims plus an
attribution of indirect costs associated with the claims function. The provision for claims management costs carried forward represents the expected cost of managing
outstanding claims from the balance sheet date until final settlement. This provision is based on attributable expenses for the year and the number of claims outstanding.
Investment income is not included in the calculation of claims management costs carried forward.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
155
No claims management costs are being carried on Form 25 as the claims process is handled by other Group operations from where the business has been derived.
*2406* Basis for determining acquisition expenses Acquisition costs comprise all the direct costs of acquiring and retaining business plus an attribution of
indirect costs associated with the underwriting, sales and customer services functions. Deferred acquisition costs are determined by applying average acquisition costs to the unearned
element of premiums. *2501* Basis of calculation of provision for unearned premiums The provision for unearned premiums represents the proportion of the premiums written relating to
periods of insurance subsequent to the balance sheet date, calculated principally on a daily pro-rata basis. Both time apportionment and risk apportionment bases are used, the method depending on the fluctuation of the incidence of risk.
*3001* Methods and assumptions used in determining the yield
Yield is determined for securities with a redemption value as the rate of interest which, when used to obtain a present value of expected future an income or capital payment gives the current asset value. For all other assets yield is calculated as the ratio of the income to value.
*3002* Income payments in default No income payments are in default from assets included in column 2 of Form 30. *3003* Risk categories where an adjustment for discounting has been made
Risk Category Where discounting has been applied
Rate of interest used for calculation of present values
Expected average interval for claims settlement at the end of the financial year
Aviation Liability 4% 7 Public and product Liability 4% 6 Employers Liability 4% 12 Marine Liability 4% 8 Proportional Liability (non-motor) 4% 6
The deduction for discounting has been determined using an actuarial projection of the claims settlement discounted back to determine a present value. The pattern of claims cash flows from notification to settlement together with claims notification data used to estimate the emergence of new claims are used to estimate the expected average interval for claims settlement.
The Deduction for discounting has been determined using an actuarial projection of the claims settlement discounted back to determine a present value.
Royal & Sun Alliance Insurance plc and UK Subsidiaries Returns under the Accounts and Statements Rules Notes to the Return Financial year ended 31 December 2014
156
Reconciliation of total capital resources after deductions (Form 3 line 79) £'000 Aggregate of individual UK insurers 3,419,139 Add back counterparty exposure restrictions in individual UK insurers 184,427 Elimination of RSAI plc investment in other UK insurers (184,614) Counterparty exposure restrictions on consolidated basis (141,021) Consolidated capital resources after deductions 3,277,931 Reconciliation of outstanding claims and gross premiums Company Internal Group Total Reinsurance Return £'000 £'000 £'000 Gross Premiums Written Form 11 4,370,861 (474,426) 3,896,435 Gross Premiums Earned Form 11 4,404,113 (474,119) 3,929,994 Claims Paid in Reference Period Forms 11 and 12 9,015,408 (435,479) 8,579,929 Gross Outstanding Claims Forms 11 and 12 5,698,670 (511,627) 5,187,043
159
Returns under the Accounts and Statements Rules Statement of additional Information on Derivative Contracts required by Rule 9.29 of the Interim Prudential Sourcebook for Insurers Name of Insurer Royal & Sun Alliance Insurance plc Global business Financial year ended 31 December 2014 a) The company has investment guidelines which indicate that derivative contracts are used primarily
for the purpose of efficient portfolio management or reduction of investment risks which specify the types of derivative contracts which may be used and indicate the processes to be used in selecting and managing derivative contracts. The guidelines also require regular monitoring and reporting of open positions.
b) The guidelines operated by the company for the use of derivative contracts do not include any
provisions for the use of contracts under which the company has a right or obligation to acquire or dispose of assets which was not, at the time the contract was entered into, reasonably likely to be exercised.
c) The company was not a party to any such contracts of the kind described in b) at any time during
the financial year. d) All derivative assets held during the relevant financial year are admissible. e) The company received £5,444,000 during the year in return for granting rights under derivative and
quasi-derivative contracts. The contracts under which such rights were granted related to the sale of equity index options as part of a strategy to limit exposure to the risk of changes in equity market levels.
160
Returns under the Accounts and Statements Rules Royal & Sun Alliance Insurance plc and UK Subsidiaries Statement of Additional Information on Controllers required by Rule 9.30 of the Interim Prudential Sourcebook for Insurers Royal Insurance Holdings plc and RSA Insurance Group plc (formerly known as Royal & Sun Alliance Insurance Group plc) were, in order of parentage, the only shareholder controllers of Royal & Sun Alliance Insurance plc (the ‘Company’) during the year ended 31 December 2014. At 31 December 2014 and during the preceding year Royal Insurance Holdings plc held all of the voting power of the Company. The companies listed on page 162 of this return are either wholly owned subsidiaries of the Company or of the Company’s subsidiaries: a) Subsidiaries of Royal & Sun Alliance Insurance plc
Royal & Sun Alliance Reinsurance Limited The Marine Insurance Company Limited
b) Subsidiaries of Sun Alliance Insurance Overseas Limited (a subsidiary of Royal & Sun Alliance
Insurance plc)
Sun Insurance Office Limited
161
Royal & Sun Alliance Insurance plc and UK Subsidiaries Subsidiaries included in this return Royal & Sun Alliance Reinsurance Limited Sun Insurance Office Limited The Marine Insurance Company Limited Note: "Modification to the Return:
This return has been prepared in accordance with the Accounts and Statements Rules, as modified by a direction made by the “FSA, now the PRA and FCA” in January 2013 under section 148 of the Act. The effect of the direction is to enable Royal & Sun Alliance Insurance plc (RSAI) to provide a group return in respect of the companies listed above, such companies being required to maintain appropriate reinsurance arrangements and deeds of indemnity (as referred to in Conditions (1) and (2) in the direction) with RSAI."
162
Returns under the Accounts and Statements Rules Form 1Statement of Solvency – general insurance businessGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Capital resources
Capital resources arising outside the long-term insurance fund 11 3276891 40048 59866 42334
Capital resources allocated towards long-term insurance business arising outside the long-term insurance fund
12 - - - -
Capital resources available to cover general insurance business capital resources requirement (11-12)
13 3276891 40048 59866 42334
Guarantee Fund
Guarantee fund requirement 21 1091918 8494 7848 2902
Excess (deficiency) of available capital resources to cover guarantee fund requirement 22 1607637 31554 52018 39432
Minimum capital requirement (MCR)
General insurance capital requirement 31 607445 25481 23543 2388 Base capital resources requirement 33 2902 2902 2902 2902 Individual minimum capital requirement 34 607445 25481 23543 2902
Capital requirements of regulated related undertakings 35 889436 - - -
Minimum capital requirement (34+35) 36 1496881 25481 23543 2902 Excess (deficiency) of available capital resources to cover 50% of MCR 37 2030740 27307 48094 40883
Excess (deficiency) of available capital resources to cover 75% of MCR 38 1656520 20937 42209 40157
Capital resources requirement (CRR)
Capital resources requirement 41 1496881 25481 23543 2902
Excess (deficiency) of available capital resources to cover general insurance business CRR (13-41) 42 1780010 14567 36323 39432
Contingent Liabilities
Quantifiable contingent liabilities in respect of other than long-term insurance business as shown in a supplementary note on Form 15
51 - - - -
The Marine Insurance Co
Ltd
Royal & Sun Alliance
Insurance plc
Royal & Sun Alliance
Reinsurance Ltd
Sun Insurance Office Ltd
163
Returns under the Accounts and Statements Rules Form 3Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Core tier one capitalPermanent share capital 11 1126692 1127773 70000 70000
Profit and loss account and other reserves 12 112967 (223601) 14046 13332
Share premium account 13 2642444 2646263 - -
Positive valuation differences 14 - 49682 - -
Fund for future appropriations 15 - - - -
Core tier one capital in related undertakings 16 - - - -
Core tier one capital (Sum of 11 to 16) 19 3882103 3600117 84046 83332
Tier one waivers
Unpaid share capital / unpaid initial funds and calls for supplementary contributions 21
- - - - Implicit items 22 - - - - Tier one waivers in related undertakings 23 - - - - Total tier one waivers as restricted (21+22+23) 24 - - - -
Other tier one capital
Perpetual non-cumulative preference shares as restricted 25
- - - -
Perpetual non-cumulative preference shares in related undertakings 26
- - - - Innovative tier one capital as restricted 27 77721 77721 - -
Innovative tier one capital in related undertakings 28 - - - -
Total tier one capital before deductions (19+24+25+26+27+28) 31 3959824 3677838 84046 83332
Investments in own shares 32 - - - -
Intangible assets 33 25164 19113 - -
Amounts deducted from technical provisions for discounting 34 346888 351386 - -
Other negative valuation differences 35 90216 - - -
Deductions in related undertakings 36 640654 947831 - -
Deductions from tier one (32 to 36) 37 1102922 1318330 - -
Total tier one capital after deductions (31-37) 39 2856902 2359508 84046 83332
Royal & Sun Alliance Insurance plc
Royal & Sun Alliance Reinsurance Ltd
164
Returns under the Accounts and Statements Rules Form 3Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Core tier one capital
Permanent share capital 11 48836 48836 16312 16312
Profit and loss account and other reserves 12 25558 29273 20042 18685
Share premium account 13 - - 6022 6022
Positive valuation differences 14 - - - -
Fund for future appropriations 15 - - - -
Core tier one capital in related undertakings 16 - - - -
Core tier one capital (Sum of 11 to 16) 19 74394 78109 42376 41019
Tier one waivers
Unpaid share capital / unpaid initial funds and calls for supplementary contributions 21
- - - - Implicit items 22 - - - - Tier one waivers in related undertakings 23 - - - - Total tier one waivers as restricted (21+22+23) 24 - - - -
Other tier one capital
Perpetual non-cumulative preference shares as restricted 25
- - - -
Perpetual non-cumulative preference shares in related undertakings 26
- - - - Innovative tier one capital as restricted 27 - - - -
Innovative tier one capital in related undertakings 28 - - - -
Total tier one capital before deductions (19+24+25+26+27+28) 31 74394 78109 42376 41019
Investments in own shares 32 - - - -
Intangible assets 33 2053 1448 - -
Amounts deducted from technical provisions for discounting 34 - - - -
Other negative valuation differences 35 - - - -
Deductions in related undertakings 36 - - - -
Deductions from tier one (32 to 36) 37 2053 1448 - -
Total tier one capital after deductions (31-37) 39 72341 76661 42376 41019
Sun Insurance Office Ltd The Marine Insurance Co Ltd
165
Returns under the Accounts and Statements Rules Form 3 (sheet 2)Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Tier two capital
Implicit items, (tier two waivers and amounts excluded from line 22) 41
- - - -
Perpetual non-cumulative preference shares excluded from line 25 42
- - - - Innovative tier one capital excluded from line 27 43 - - - -
Tier two waivers, innovative tier one capital and perpetual non-cumulative preference shares treated as tier two capital (41 to 43)
44 - - - -
Perpetual cumulative preference shares 45 - - - - Perpetual subordinated debt and securities 46 - 294000 - - Upper tier two capital in related undertakings 47 - - - - Upper tier two capital (44 to 47) 49 - 294000 - -
Fixed term preference shares 51 - - - - Other tier two instruments 52 892000 492000 - - Lower tier two capital in related undertakings 53 - - - - Lower tier two capital (51+52+53) 59 892000 492000 - -
Total tier two capital before restrictions (49+59) 61 892000 786000 - - Excess tier two capital 62 - - - - Further excess lower tier two capital 63 - - - -
Total tier two capital after restrictions, before deductions (61-62-63) 69 892000 786000 - -
Royal & Sun Alliance Insurance plc
Royal & Sun Alliance Reinsurance Ltd
166
Returns under the Accounts and Statements Rules Form 3 (sheet 2)Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Tier two capital
Implicit items, (tier two waivers and amounts excluded from line 22) 41
- - - -
Perpetual non-cumulative preference shares excluded from line 25 42
- - - - Innovative tier one capital excluded from line 27 43 - - - -
Tier two waivers, innovative tier one capital and perpetual non-cumulative preference shares treated as tier two capital (41 to 43)
44 - - - -
Perpetual cumulative preference shares 45 - - - - Perpetual subordinated debt and securities 46 - - - - Upper tier two capital in related undertakings 47 - - - - Upper tier two capital (44 to 47) 49 - - - -
Fixed term preference shares 51 - - - - Other tier two instruments 52 - - - - Lower tier two capital in related undertakings 53 - - - - Lower tier two capital (51+52+53) 59 - - - -
Total tier two capital before restrictions (49+59) 61 - - - - Excess tier two capital 62 - - - - Further excess lower tier two capital 63 - - - -
Total tier two capital after restrictions, before deductions (61-62-63) 69 - - - -
Sun Insurance Office Ltd The Marine Insurance Co Ltd
167
Returns under the Accounts and Statements Rules Form 3 (sheet 3)Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Total capital resourcesPositive adjustments for regulated non-insurance related undertakings 71 - - - -
Total capital resources before deductions (39+69+71) 72 3748902 3145508 84046 83332
Inadmissible assets other than intangibles and own shares 73 329950 471772 1387 1348
Assets in excess of market risk and counterparty limits 74 142061 636433 42611 41535
Deductions for related ancilliary services undertakings 75 - - - -
Deductions for regulated non-insurance related undertakings 76 - - - -
Deductions of ineligible surplus capital 77 - - - -
Total capital resources after deductions (72-73-74-75-76-77) 79 3276891 2037303 40048 40449
Available capital resources for GENPRU/INSPRU tests
Available capital resources for guarantee fund requirement 81 2699555 2037303 40048 40449
Available capital resources for 50% MCR requirement 82 2779181 2037303 40048 40449
Available capital resources for 75% MCR requirement 83 2779181 2037303 40048 40449
Financial engineering adjustmentsImplicit items 91 - - - -
Financial reinsurance - ceded 92 - - - -
Financial reinsurance - accepted 93 - - - -
Outstanding contingent loans 94 - - - -
Any other charges on future profits 95 - - - -
Sum of financial engineering adjustments (91+92-93+94+95) 96 - - - -
Royal & Sun Alliance Insurance plc
Royal & Sun Alliance Reinsurance Ltd
168
Returns under the Accounts and Statements Rules Form 3 (sheet 3)Components of capital resourcesGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
Total as at the end of this
financial year
Total as at the end of the
previous year
Total as at the end of this
financial year
Total as at the end of the
previous year
Total capital resourcesPositive adjustments for regulated non-insurance related undertakings 71 - - - -
Total capital resources before deductions (39+69+71) 72 72341 76661 42376 41019
Inadmissible assets other than intangibles and own shares 73 12475 19981 42 -
Assets in excess of market risk and counterparty limits 74 - - - 24840
Deductions for related ancilliary services undertakings 75 - - - -
Deductions for regulated non-insurance related undertakings 76 - - - -
Deductions of ineligible surplus capital 77 - - - -
Total capital resources after deductions (72-73-74-75-76-77) 79 59866 56680 42334 16179
Available capital resources for GENPRU/INSPRU tests
Available capital resources for guarantee fund requirement 81 59866 56680 42334 16179
Available capital resources for 50% MCR requirement 82 59866 56680 42334 16179
Available capital resources for 75% MCR requirement 83 59866 56680 42334 16179
Financial engineering adjustmentsImplicit items 91 - - - -
Financial reinsurance - ceded 92 - - - -
Financial reinsurance - accepted 93 - - - -
Outstanding contingent loans 94 - - - -
Any other charges on future profits 95 - - - -
Sum of financial engineering adjustments (91+92-93+94+95) 96 - - - -
Sun Insurance Office Ltd The Marine Insurance Co Ltd
169
Returns under the Accounts and Statements Rules Form 11Calculation of general insurance capital requirement - premiums amount and brought forward amountGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
11 3884964 268300
12 - -
13 3884964 268300
14 429576 32973
15 - -
16 4099752 284787
21 3927989 261106
22 - -
23 3927989 261106
24 422660 34060
25 - -
26 4139319 278136
30 4139319 284787
31 4139319 284787
X 0.18 32 745077 51262 Excess (If Any) Over 61.3M Euro X 0.02 33 81825 4734
34 663252 46528
41 8037611 501489
For insurance business accounted for on an underwriting year basis. 42 217625 24187
For insurance business accounted for on an accident year basis. 43 4826583 294922
For insurance business accounted for on an underwriting year basis. 44 689164 17020
For insurance business accounted for on an accident year basis. 45 4617249 335558
46 7775406 468020
47 824214 480237
48 6951192 (12217)
49 0.89 0.50
50 592945 23264
51 4285507 -
52 622806 319099
53 607445 25481
54 607445 25481
Royal & Sun Alliance
Reinsurance Ltd
Premium taxes and levies (included in line 11)
Gross premiums written
Premiums written net of taxes and levies (11-12)
Claims paid in period of 3 financial years
Royal & Sun Alliance
Insurance plc
Premiums for classes 11, 12 or 13 (included in line 13)
Premiums for "actuarial health insurance" (included in line 13)
Sub-total H (23 + 1/2 24 - 2/3 25)
Gross premiums earned
Reinsurance Ratio (Sub-total D /sub-total C or, if more, 0.50 or, if less, 1.00)
Sub-total C (41+42+43-44-45)
Sub-total D (46-47)
Amounts recoverable from reinsurers in respect of claims included in Sub-total C
Adjusted sub-total I if financial year is not a 12 month period to producean annual figure
Sub-total I (higher of sub-total A and sub-total H)
Greater of lines 50 and 53
Brought forward amount (See instruction 4)
Premiums amount (Sub-total J x reinsurance ratio)
Provision for claims outstanding (before discounting and gross of reinsurance) if both 51.1 and 51.2 are zero, otherwise zero
Provision for claims outstanding (before discounting and net of reinsurance)
Division of gross adjusted premiums amount sub-total I (or adjusted sub-total I if appropriate)
Sub-total J (32-33)
Claims outstanding carried forward at the end of the 3 year period.
Claims outstanding brought forward at the beginning of the 3 year period.
Sub-total A (13 + 1/2 14 - 2/3 15)
Premiums for "actuarial health insurance" (included in line 23)
Premiums for classes 11, 12 or 13 (included in line 23)
Premiums earned net of taxes and levies (21-22)
Premium taxes and levies (included in line 21)
170
Returns under the Accounts and Statements Rules Form 11Calculation of general insurance capital requirement - premiums amount and brought forward amountGlobal BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
11 201767 15830
12 - -
13 201767 15830
14 26232 28
15 - -
16 214883 15844
21 200616 14402
22 - -
23 200616 14402
24 26063 25
25 - -
26 213648 14415
30 214883 15844
31 214883 15844
X 0.18 32 38679 2852 Excess (If Any) Over 61.3M Euro X 0.02 33 3336 -
34 35343 2852
41 517438 (41130)
For insurance business accounted for on an underwriting year basis. 42 - 74149
For insurance business accounted for on an accident year basis. 43 255177 6027
For insurance business accounted for on an underwriting year basis. 44 - 142250
For insurance business accounted for on an accident year basis. 45 308151 -
46 464464 (103204)
47 715754 (20219)
48 (251290) (82985)
49 0.50 0.80
50 17672 2293
51 - 64
52 255177 -
53 23543 2155
54 23543 2293
Sub-total J (32-33)
Gross premiums earned
Premium taxes and levies (included in line 21)
Premiums earned net of taxes and levies (21-22)
Premiums for classes 11, 12 or 13 (included in line 23)
Premiums for "actuarial health insurance" (included in line 23)
Sub-total H (23 + 1/2 24 - 2/3 25)
Sub-total I (higher of sub-total A and sub-total H)
Division of gross adjusted premiums amount sub-total I (or adjusted sub-total I if appropriate)
Adjusted sub-total I if financial year is not a 12 month period to producean annual figure
The Marine Insurance Co
Ltd
Premiums for classes 11, 12 or 13 (included in line 13)
Premiums for "actuarial health insurance" (included in line 13)
Sub-total A (13 + 1/2 14 - 2/3 15)
Sun Insurance Office Ltd
Gross premiums written
Premium taxes and levies (included in line 11)
Premiums written net of taxes and levies (11-12)
Reinsurance Ratio (Sub-total D /sub-total C or, if more, 0.50 or, if less, 1.00)
Claims paid in period of 3 financial years
Claims outstanding carried forward at the end of the 3 year period.
Amounts recoverable from reinsurers in respect of claims included in Sub-total C
Sub-total D (46-47)
Sub-total C (41+42+43-44-45)
Claims outstanding brought forward at the beginning of the 3 year period.
Premiums amount (Sub-total J x reinsurance ratio)
Provision for claims outstanding (before discounting and gross of reinsurance) if both 51.1 and 51.2 are zero, otherwise zero
Brought forward amount (See instruction 4)
Greater of lines 50 and 53
Provision for claims outstanding (before discounting and net of reinsurance)
171
Returns under the Accounts and Statements Rules Form 12
Global BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
11 36 36
21 8037611 501489
For insurance business accounted for on an underwriting year basis 22 217625 24187
For insurance business accounted for on an accident year basis 23 4826583 294922
For insurance business accounted for on an underwriting year basis 24 689164 17020
For insurance business accounted for on an accident year basis 25 4617249 335558
26 7775406 468020
27 1196691 79841
28 - -
29 8373752 507941
31 2791251 169314
X 0.26 32 725725 44022
Excess (if any) over 42.9M EURO x 0.03 33 82728 4070
39 642997 39952
41 574838 19976
42 607445 25481
43 607445 25481 General insurance capital requirement (higher of lines 41 and 42)
Sub-total F - Conversion of sub-total E to annual figure (multiply by 12 and divide by number of months in the reference period)
Division of sub-total F (gross adjusted claims amount)
Claims incurred in reference period (21+22+23-24-25)
Claims incurred for classes 11, 12 or 13 (included in 26)
Claims incurred for "actuarial health insurance" (included in 26)
Sub-total G (32-33)
Claims amount Sub-total G x reinsurance ratio (11.49)
Higher of premiums amount and brought forward amount (11.54)
Sub-total E (26 +1/2 27 - 2/3 28)
Claims outstanding brought forward at the beginning of the reference period
Calculation of general insurance capital requirement - claims amount and result
Claims outstanding carried forward at the end of the reference period
Reference period (No. of months) See INSPRU 1.1.63R
Claims paid in reference period
Royal & Sun Alliance Insurance
plc
Royal & Sun Alliance
Reinsurance Ltd
172
Returns under the Accounts and Statements Rules Form 12
Global BusinessFinancial year ended 31 December 2014 UK Subsidiaries of Royal & Sun Alliance Insurance plc £'000
11 36 36
21 517438 (41130)
For insurance business accounted for on an underwriting year basis 22 - 74149
For insurance business accounted for on an accident year basis 23 255177 6027
For insurance business accounted for on an underwriting year basis 24 - 142250
For insurance business accounted for on an accident year basis 25 308151 -
26 464464 (103204)
27 75049 (87750)
28 - -
29 501989 (147079)
31 167330 (49026)
X 0.26 32 43506 -
Excess (if any) over 42.9M EURO x 0.03 33 4011 -
39 39495 -
41 19748 -
42 23543 2293
43 23543 2293
Claims incurred for classes 11, 12 or 13 (included in 26)
Claims incurred for "actuarial health insurance" (included in 26)
General insurance capital requirement (higher of lines 41 and 42)
Division of sub-total F (gross adjusted claims amount)
Sub-total G (32-33)
Claims amount Sub-total G x reinsurance ratio (11.49)
Higher of premiums amount and brought forward amount (11.54)
Sub-total E (26 +1/2 27 - 2/3 28)
Sub-total F - Conversion of sub-total E to annual figure (multiply by 12 and divide by number of months in the reference period)
Claims outstanding brought forward at the beginning of the reference period
Claims incurred in reference period (21+22+23-24-25)
Calculation of general insurance capital requirement - claims amount and result
Sun Insurance Office Ltd
Reference period (No. of months) See INSPRU 1.1.63R
The Marine Insurance Co Ltd
Claims paid in reference period
Claims outstanding carried forward at the end of the reference period
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
173
Material non-facultative reinsurance contracts
Material non-facultative reinsurance contracts entered into or modified during the financial year are set out on pages 179 to 217. The maximum probable losses contemplated by the directors after reinsurance recoveries when establishing the reinsurance are set out on those pages (shown as Maximum Net Probable Loss). Reinsurers who have ceased to pay claims in full Reinsurance representing 10% or more of a non-facultative contract who have ceased to pay claims in full:
Reinsurance Contract
Year Participation
None
N/A
N/A
Material non-facultative contracts which are expected to be exhausted by claims incurred
Contract Ceding Company’s Retention
Extent of Cover Remarks
None
N/A N/A N/A
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
174
Reinsurers’ share of gross premiums written
PRA category number and description Non-Facultative
Facultative Total
£’000 £’000 £’000 110 Accident & health 3,768 871 4,639 120 Personal motor 32,783 3,690 36,473 160 Household and domestic all risks 39,680 2,010 41,690 180 Personal lines financial loss 1,106 - 1,106 220 Commercial motor 24,364 382,327 406,691 260 Commercial lines property 133,334 169,941 303,275 270 Commercial lines liability 47,576 28,990 76,566 280 Commercial lines financial loss 562 318 880 330 Aviation - - - 340 Marine 12,408 12,961 25,369 350 Goods in transit 13,037 16,751 29,788 510 Non proportional accident & health 730 - 730 520 Non proportional motor 704 - 704 530 Non proportional aviation - - - 540 Non proportional marine 500 - 500 550 Non proportional transport 1,032 - 1,032 560 Non proportional property 10,878 - 10,878 570 Non proportional liability 44 - 44 580 610
Non proportional financial lines Proportional accident & health
68 1,248
- -
68 1,248
620 Proportional motor - - - 630 Proportional aviation - - - 640 Proportional marine 1,434 - 1,434 650 Proportional transport 540 - 540 660 Proportional property 38,232 - 38,232 670 Proportional liability 68 - 68 680 Proportional financial lines 2,684 - 2,684 Total Reinsurance Premiums 366,780 617,859 984,639
Returns under the Accounts and Statements Rules Additional information on financial reinsurance and financing arrangements required by Rule 9.32A of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
175
The policy of Royal & Sun Alliance Insurance plc and subsidiaries is not to purchase financial reinsurances. This policy is enforced by ensuring that all reinsurance protection purchased, which may have some of the characteristics of a financial reinsurance, is subject to scrutiny by appropriate expert resources within Royal & Sun Alliance Insurance plc and requires executive authorisation. The RSA Insurance Group's Reinsurance Policy Statement, which is mandated across all of the Group's operations, highlights the above-mentioned requirements, processes and controls.
Returns under the Accounts and Statements Rules Additional information on general insurance business: Major treaty reinsurers required by Rule 9.25 of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
176
Reinsurer details
As required by Rule 9.25: Para 1(a)
Connection with the Group
Para 1(b)
Proportional reinsurance
treaties premiums
Para 1(c)(i)
£’000
Non proportional reinsurance
treaties premiums
Para 1(c)(ii)
£’000
Debts outstanding included at
F13L75
Para 1(d)
£’000
Deposits received
included at F15L31
Para 1(e)
£’000
Anticipated recoveries included at
F13L61
Para 1(f)
£’000
Lloyd’s underwriters One Lime Street London EC3M 7HA
None
4,799
32,562
2,057
-
38,595
Berkshire Hathaway 3555 Farnam Street Suite 1440 Omaha NE 68131 United States of America
None
500
72,262 2,402 - 84,591
Munich Re Group Aktiengesellschaft in München Königinstr. 107 80802 München Germany
None
6,795
13,311
2,481
-
70,109
Swiss Re Company Mythenquai 50/60 8022 Zurich Switzerland
None
1,929
21,567
10,540
-
50,423
Pool Re 5 Lloyd’s Avenue London EC3N 3AE Hannover Re Group Karl-Wiechert-Allee 50 30625 Hannover Germany
None
None
-
2,650
29,377
14,863
-
654
-
-
-
19,531
RSA Insurance Ireland Limited RSA House Dundrum Town Centre Sandyford Road Dundrum Dublin 16
Subsidiary of Royal & Sun
Alliance Insurance Plc
-
-
- -
3,100
Returns under the Accounts and Statements Rules Additional information on general insurance business: Major facultative reinsurers required by Rule 9.26 of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
177
Reinsurer details
As required by Rule 9.26: Para 1(a)
Connection with the Group
Para 1(b)
Reinsurance premiums payable
Para 1(c)
£’000
Debts outstanding included at
F13L75
Para 1(d)
£’000
Deposits received
included at F15L31
Para 1(e)
£’000
Anticipated recoveries included at
F13L61
Para 1(f)
£’000
HDI-Gerling Industrie Versicherung AG HDI Platz 1 30659 Hannover Germany MO Reinsurance Ltd 3rd Floor St George’s Court Upper Church Street Douglas Isle of Man IM1 1EE
None
None
20,733
378,738
1,069
8,327
-
-
93,447
39,945
Returns under the Accounts and Statements Rules Additional information on general insurance business: Reinsurance cedants required by Rule 9.27 of the Accounts and Statements Rules Name of insurer Royal & Sun Alliance Insurance plc Global Business Financial year ended 31 December 2014
178
Reinsurer details
As required by Rule 9.27: Para 1(a)
Connection with the Group
Para 1(b)
Gross premiums receivable
Para 1(c)
£’000
Deposits paid included at
F13L57
Para 1(d)
£’000
Debts outstanding included at
F13L74
Para 1(e)
£’000
HDI-Gerling Industrie Versicherung AG HDI Platz 1 30659 Hannover Germany
None
3,721 - 78
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
179
Page Reinsurance programmes purchased for the UK general business operations
Property Risk Excess of Loss 181 Property Variable Quota Share 182 Property Catastrophe Excess of Loss 183
UK Programme 183 Canada, USA & Caribbean Programme 184
UK Property Terrorism Excess of Loss 185 Engineering Excess of Loss 186 UK Motor Excess of Loss 187 Motability Excess of Loss 188 Casualty Excess of Loss 189 Personal Accident Excess of Loss 191 Marine Excess of Loss 193 UK Licensed Dutch Land Based Equipment Quota Share 195 French War Risks Quota Share 195 Marine Protection & Indemnity Excess of Loss and Quota Share 196 Professional Indemnity and Directors and Officers Excess of Loss 196 UK Surety Bonds Quota Share 197 Mortgage Payment Protection Insurance Quota Share 197 Adverse Development Cover 197
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
180
Reinsurance programmes purchased for certain non-UK branches
Page
International Property & Engineering Excess of Loss 198 International Property Risk Excess of Loss 199 International Property Quota Share and Surplus 201 International Property, Engineering and Facultative Obligatory Surplus 201 International Property Catastrophe Excess of Loss 203 International Life Catastrophe Excess of Loss 204 International Property Terrorism Excess of Loss Reinsurance 204 International Casualty Excess of Loss 205 International Personal Accident Excess of Loss 210 International Motor Risk Excess of Loss 211 International Motor Catastrophe Excess of Loss 212 International Marine Excess of Loss 213 International Professional Indemnity 215 International Bonds Excess of Loss International Decennial Liability Quota Share
215 216
International Construction and Engineering Surplus 216 Notes to significant reinsurance contracts 217
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
181
Property Risk Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
1 July 2013 to 30 June 2014 – Property Variable Quota Share 1 July 2014 to 30 June 2015 – Property Variable Quota Share
Maximum net probable loss £25m – UK, Asia Middle East, Canada, Latin America EUR 35m – Ireland & Italy EUR 100m – Scandinavia, Central & Eastern Europe
Main risk categories covered 260 & 274 261, 262 & 274 – Property Variable Quota Share
1st Layer (Note 1)
Underlying retention £25m – UK, Asia Middle East, Canada, Latin America EUR 35m – Ireland & Italy EUR 100m – Scandinavia, Central & Eastern Europe
Limit of cover £25m / EUR 35m Placement 100% Number of Reinstatements 2 prepaid 2nd Layer (Note 1) Underlying retention
£50m – UK, Asia Middle East, Canada, Latin America EUR 70m Ireland & Italy EUR 135m – Scandinavia, Central & Eastern Europe
Limit of cover £25m / EUR 35m Placement 100% Number of Reinstatements Limited to 1 prepaid, then;
1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
182
Property Risk Excess of Loss Reinsurance 3rd Layer (Note 1) Underlying retention £75m – UK, Asia Middle East, Canada, Latin America
EUR 105m – Ireland & Italy Limit of cover £125m / EUR 175m Placement 100% Number of Reinstatements 1 @ 100% additional premium Property Variable Quota Share (Note 3) Underlying retention N/A – Quota share Limit of cover 0% – 50% Quota Share
Maximum cession £100m on EML and Sum Insured basis Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
183
Property Catastrophe Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £75m – UK programme
CAD 30m – Canada, USA & Caribbean programme
Main risk categories covered
120, 160, 220, 260, 274, 347 & 350
1st Layer Worldwide excluding USA (Note 2) Underlying retention £100m / CAD 600m Limit of cover £150m / CAD 300m Placement 100% Number of Reinstatements 1 Prepaid
2nd Layer Worldwide excluding USA (Note 2) Underlying retention £250m / CAD 900m Limit of cover £310m / CAD 620m Placement 100% Number of Reinstatements 1 Prepaid 3rd Layer UK / Europe / Canada / Chile (Note 2) Underlying retention £560m / CAD 1,520m
£200m Property Risk EML Fail Limit of cover £100m / CAD 200m
£100m Property Risk EML Fail Placement 100% Number of Reinstatements 1 prepaid per section 4th Layer UK / Europe / Canada / Chile (Note 2) Underlying retention £660m / CAD 1,720m Limit of cover £340m / CAD 680m Placement 100% Number of Reinstatements 1 prepaid
5th Layer UK & Europe Underlying retention £1,000m Limit of cover £350m Placement 100% Number of Reinstatements 1 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
184
Property Catastrophe Excess of Loss Reinsurance 6th Layer UK / Europe / Canada Underlying retention £1,350m / CAD 2,400m Limit of cover £300m / CAD 600m Placement 100% Number of Reinstatements 1 prepaid Underlying Aggregate Cover (excludes Canada & US Caribbean) Underlying retention UK £75m
Non-UK £25m Limit of cover £50m Aggregate Placement 100% Number of Reinstatements £50m aggregate limit Canada, USA & Caribbean Programme (Note 2) 1st Layer
Underlying retention CAD 30m Limit of cover CAD 45m Placement 100% Number of Reinstatements 1 Prepaid 2nd Layer
Underlying retention CAD 75m Limit of cover CAD 75m Placement 100% Number of Reinstatements 1 prepaid 3rd Layer
Underlying retention CAD 150m Limit of cover CAD 100m Placement 100% Number of Reinstatements 1 prepaid 4th Layer
Underlying retention CAD 250m Limit of cover CAD 250m Placement 100% Number of Reinstatements 1 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
185
UK Property Terrorism Excess of Loss Reinsurance (Note 4) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £10.72m per incident
£21.44m in aggregate
Main risk categories covered 160, 260 & 274
Underlying retention £10.72m Limit of cover Unlimited Placement 100% Number of Reinstatements N/A
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
186
Engineering Excess of Loss Reinsurance (Note 5) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £10m – UK, Asia Middle East, Canada and Latin America
EUR 14m – Ireland & Italy
Main risk categories covered 263 1st Layer (Note 2)
Underlying retention £10m – UK, Asia Middle East, Canada and Latin America EUR 14m – Ireland & Italy
Limit of cover £15m / EUR 21m Placement 100% Number of Reinstatements 2 prepaid reinstatements 2nd Layer
Underlying retention £25m – UK, Asia Middle East, Canada and Latin America EUR 35m – Ireland & Italy
Limit of cover £50m / EUR 70m Placement 100% Number of Reinstatements 1 prepaid reinstatement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
187
UK Motor Excess of Loss Reinsurance (Note 5) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £3m
Main risk categories covered 120, 220, & 274 Underlying Layer (excludes Motor Own Damage) Underlying retention £3m Limit of cover £2m Placement 100% Number of Reinstatements Unlimited prepaid 1st Layer
Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements Unlimited prepaid
1 prepaid – Motor Own Physical Damage 2nd Layer
Underlying retention £10m Limit of cover £15m
£10m – Motor Own Physical Damage Placement 100% Number of Reinstatements Unlimited prepaid
1 prepaid – Motor Own Physical Damage 3rd Layer
Underlying retention £25m Limit of cover Unlimited Placement 100% Number of Reinstatements Unlimited prepaid (excluding Motor Own Physical Damage)
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
188
Motability Excess of Loss Reinsurance (Note 5) Period of cover 1 October 2013 to 30 September 2014
1 October 2014 to 30 September 2015
Maximum net probable loss £5m
Main risk categories covered 221
1st Layer
Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements Unlimited prepaid, except in relation to Motor First Party Physical
Damage where losses shall be limited to £10m in all. 2nd Layer
Underlying retention £10m Limit of cover £15m Placement 100% Number of Reinstatements Unlimited prepaid. Layer is not applicable to Motor First Party
Physical Damage. 3rd Layer
Underlying retention £25m Limit of cover Unlimited Placement 100% Number of Reinstatements Unlimited prepaid. Layer is not applicable to Motor First Party
Physical Damage.
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
189
Casualty Excess of Loss Reinsurance (Note 5, Note 6) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £5m
Main risk categories covered 114, 114(P), 262, 270 & 281
1st Layer Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements a) In respect of Employer’s Liability, unlimited prepaid
b) Losses arising solely from an Act of Terrorism involving Employer’s Liability limited to 4 full reinstatements prepaid
c) All covered losses other than (a) and (b) limited to 7 full reinstatements prepaid
2nd Layer Underlying retention £10m Limit of cover £15m Placement 100% Number of Reinstatements a) In respect of Employer’s Liability, unlimited prepaid
b) Losses arising solely from an Act of Terrorism involving Employer’s Liability limited to 2 full reinstatements prepaid
c) All covered losses other than (a) and (b) limited to 4 full reinstatements prepaid
3rd Layer (inc PA clash) Underlying retention £25m Limit of cover £25m Placement 100% Number of Reinstatements a) In respect of Employer’s Liability, unlimited prepaid
b) Losses arising solely from an Act of Terrorism involving Employer’s Liability limited to 1 full reinstatement prepaid
c) Losses arising solely from exposure to Nuclear, Chemical or Biological Cause occasioned by an Act of Terrorism which involves Personal Accident limited to 1 full reinstatement prepaid
d) All covered losses other than (a), (b) and (c) limited to 3 full reinstatements prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
190
Casualty Excess of Loss Reinsurance 4th Layer (inc PA clash) Underlying retention £50m Limit of cover £25m Placement 100% Number of Reinstatements a) Losses arising solely from an Act of Terrorism involving
Employer’s Liability limited to 2 full reinstatement prepaid b) Losses arising solely from exposure to Nuclear, Chemical or
Biological Cause occasioned by an Act of Terrorism which involves Personal Accident limited to 2 full reinstatement prepaid
c) All covered losses other than (a) and (b) limited to 1 full reinstatements prepaid
5th Layer (inc PA clash) Underlying retention £75m Limit of cover £25m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
191
Personal Accident Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £5m
Main risk categories covered 111, 113, 114, 114(P) & 274 1st Layer (Note 2)
Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements 3 @ 100% additional premium 2nd Layer (Note 2)
Underlying retention £10m Limit of cover £15m Placement 100% Number of Reinstatements 3 @ 100% additional premium 3rd Layer (Note 7)
Underlying retention £25m Limit of cover £25m Placement 100% Number of Reinstatements Unlimited free 4th Layer (Note 7)
Underlying retention £50m Limit of cover £25m Placement 100% Number of Reinstatements Unlimited free
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
192
Personal Accident Excess of Loss Reinsurance 5th Layer (Note 7)
Underlying retention £75m Limit of cover £25m Placement 100% Number of Reinstatements Unlimited free 6th Layer
Underlying retention £100m Limit of cover £50m Placement 100% Number of Reinstatements 1 @ 100% additional premium Per Insured (Note 8)
Underlying retention £25m Limit of cover £25m Placement 100% Number of Reinstatements 3 @ 100% additional premium Per Insured (Note 8)
Underlying retention £50m Limit of cover £25m Placement 100% Number of Reinstatements 2 @ 100% additional premium Per Insured (Note 8)
Underlying retention £75m Limit of cover £25m Placement 100% Number of Reinstatements 2 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
193
Marine Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss USD 15m
Main risk categories covered 340, 350 Non Elemental 1st Layer Underlying retention USD 15m Limit of cover USD 17.5m Placement 100% Number of Reinstatements 2 prepaid 2nd Layer Underlying retention USD 32.5m Limit of cover USD 17.5m Placement 100% Number of Reinstatements 2 prepaid Elemental 1st Layer Underlying retention USD 15m Limit of cover USD 17.5m Placement 100% Number of Reinstatements 2 prepaid 2nd Layer Underlying retention USD 32.5m Limit of cover USD 17.5m Placement 100% Number of Reinstatements 2 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
194
Marine Excess of Loss Reinsurance Global Whole Account 1st Layer Underlying retention USD 50m Limit of cover USD 25m Placement 100% Number of Reinstatements 2 prepaid 2nd Layer (Note 2)
Underlying retention USD 75m Limit of cover USD 50m Placement 100% Number of Reinstatements 1 @ 100% additional premium 3rd Layer (Note 2)
Underlying retention USD 125m Limit of cover USD 125m Placement 100% Number of Reinstatements 1 @ 100% additional premium 4th Layer (Note 2)
Underlying retention USD 250m Limit of cover USD 25m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
195
UK – Licensed Dutch Land Based Equipment Quota Share (Note 9) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss N/A – Quota share
Main risk categories covered 341, 342 & 344
Underlying retention N/A – Quota share Limit of cover 50% on limits up to EUR 10m Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement
French War Risks Quota Share Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss N/A – Quota share
Main risk categories covered 346
Underlying retention N/A – Quota share Limit of cover 25% Quota share to EUR 30m
EUR 30m xs EUR 1.125m Excess of Loss Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
196
Marine Protection & Indemnity Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss USD 50m
Main risk categories covered 344
Underlying retention USD 50m Limit of cover USD 50m Placement 50% Number of Reinstatements Unlimited free Marine Protection & Indemnity Quota Share Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss N/A – Quota share
Main risk categories covered 344
Underlying retention N/A – Quota share Limit of cover 50% Quota share to USD 100m Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement Professional Indemnity and Directors and Officers Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £5m – Per Risk
£10m – Clash Main risk categories covered 272, 274 Per Risk Underlying retention £5m Limit of cover £10m Placement 100% Number of Reinstatements Shared Aggregate Limit of £60m with Clash Cover Clash Underlying retention £10m Limit of cover £20m Placement 100% Number of Reinstatements Shared Aggregate Limit of £60m with Per Risk Cover
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
197
UK Surety Bonds Quota Share Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £6.625m Main risk categories covered 283 Underlying retention N/A – Quota share Limit of cover 40% Quota share to £5m other than;
40% Quota share to £10m for Rural Protection Agency Placement 93.75% Number of Reinstatements N/A – Quota share reinsurance agreement
Mortgage Payment Protection Insurance Quota Share Reinsurance (Note 10) Period of cover 1 June 2006 to 31 December 2014
Maximum net probable loss 10% to 50% of maximum amount ceded – dependent on agreement Main risk categories covered 182
Underlying retention N/A – Quota share Limit of cover 50% to 90% Quota share – Unlimited subject to prior agreement
Placement 100% Adverse Development Cover Period of cover 13 January 2014 through to extinguishment of all liabilities
Maximum net probable loss £110m
Main risk categories covered All risk categories
Underlying retention £10,954m Limit of cover £550m Placement 80% Number of Reinstatements N/A – Stop loss contract
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
198
International Property and Engineering Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Continuous cover from 1st July 2013 (Argentina only)
Maximum net probable loss USD 0.3m – Argentina £2m – Middle East £5m – Asia Middle East, Latin America (ex Argentina) EUR 7.5m – Italy EUR 14m – Ireland
Main risk categories covered 160, 260
Argentina 1st Layer
Underlying retention USD 0.3m Limit of cover USD 9.7m Placement Number of Reinstatements
100% 2 prepaid
2nd Layer Underlying retention
USD 10m
Limit of cover USD 20m Placement Number of Reinstatements
100% 1 prepaid
Middle East 1st Layer
Underlying retention £2m Limit of cover £3m Placement 100% Number of Reinstatements 2 @ 100% additional premium Asia Middle East 1st Layer
Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements 3 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
199
International Property and Engineering Excess of Loss Reinsurance Latin America 1st Layer
Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements 2 @ 100% additional premium Italy 1st Layer Underlying retention EUR 7.5m Limit of cover EUR 6.5m Placement 100% Number of Reinstatements 1 prepaid & 2 @ 100% additional premium
International Property Risk Excess of Loss Reinsurance International Regions (Note 1) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £10m – UK (High Net Worth), Asia, Latin America
EUR 14m – Ireland & Italy Main risk categories covered 160, 260
1st Layer Underlying retention £10m – Asia, Middle East, Latin America and UK High Net Worth
EUR 14m – Italy and Ireland Limit of cover £15m / EUR 21m Placement 100% Number of Reinstatements 2 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
200
International Property Risk Excess of Loss Reinsurance Argentina (Note 15) Period of cover 1 July 2014 to 30 June 2015
Maximum net probable loss USD 0.3m
Main risk categories covered 160, 260, 270
1st Layer
Underlying retention USD 0.3m Limit of cover USD 0.7m Placement 100% Number of Reinstatements 4 prepaid
2nd Layer Underlying retention USD 1m Limit of cover USD 2m Placement 100% Number of Reinstatements 3 prepaid
3rd Layer Underlying retention USD 3m Limit of cover USD 2m Placement 100% Number of Reinstatements 1 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
201
International Property Quota Share Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss N/A – Quota share
Main risk categories covered 160, 260, 274, 350 Hong Kong (Note 11) Underlying retention N/A – Quota share Limit of Cover Surplus Limit
97.5% Quota share to HKD 200m any one risk HKD 300m
Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement International Property Surplus Period of cover 1st July 2013 to 30th June 2014
1st July 2014 to 30th June 2015
Maximum net probable loss USD 3.5m
Main risk categories covered 260, 274 Argentina 1st Layer Underlying retention USD 3.5m Limit of cover USD 10.5m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement 2nd Layer Underlying retention USD 14m Limit of Cover USD 21m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement 3rd Layer (Facultative Obligatory Surplus) Underlying retention USD 35m Limit of Cover USD 65m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
202
International Property Quota Share and Surplus Period of cover 1st July 2013 to 30th June 2014
1st July 2014 to 30th June 2015
Maximum net probable loss USD 0.4m
Main risk categories covered 260, 274 Argentina (Note 15) Quota Share Underlying retention N/A – Quota share Limit of cover 40% Quota share to USD 2m Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement Surplus Underlying retention USD 2m Limit of Cover USD 8m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement International Engineering Surplus Period of cover 1st July 2013 to 30th June 2014
1st July 2014 to 30th June 2015
Maximum net probable loss USD 3.5m
Main risk categories covered 260, 274 Argentina 1st Layer Underlying retention USD 3.5m Limit of cover USD 10.5m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement 2nd Layer (Facultative Obligatory Surplus) Underlying retention USD 14m Limit of Cover USD 61m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
203
International Property Catastrophe Excess of Loss Reinsurance (Note 12) Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £15m – Ireland
£10m – Latin American Region, Asia & Middle East, Italy
Main risk categories covered 120, 160, 220, 260, 347
Latin America, Asia Middle East, Italy and Europe Quake (ex Wind) 1st Layer: (Note 2) Underlying retention £10m Limit of cover £15m Placement 100% Number of Reinstatements 2 @ 100% additional premium Ireland 1st Layer: (Note 2)
Underlying retention £15m Limit of cover £10m Placement 100% Number of Reinstatements 1 Prepaid International 2nd Layer (Excludes US, UK & Canada): Underlying retention £25m Limit of cover £25m Placement 100% Number of Reinstatements £50m aggregate limit 3rd Layer (Excludes US & UK) (Note 2) Underlying retention £50m / CAD 500m Limit of cover £50m / CAD 100m Placement 100% Number of Reinstatements 1 prepaid ,1@100%
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
204
International Life Catastrophe Excess of Loss Reinsurance (Note 12) Period of cover 1 July 2014 to 30 June 2015
Maximum net probable loss ARS 0.2m – Argentina
Main risk categories covered 120, 160, 220, 260, 347
Argentina 1st Layer: (Note 15) Underlying retention ARS 0.2m Limit of cover ARS 24.95m Placement 100% Number of Reinstatements 1 @ 100% additional premium International Property Terrorism Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss USD 8m
Main risk categories covered 160, 260 & 274 Latin American 1st Layer
Underlying retention USD 8m Limit of cover USD 12m Placement 100% Number of Reinstatements 1 @ 100% additional premium 2nd Layer Underlying retention USD 20m Limit of cover USD 20m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
205
International Casualty Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Continuous cover from 1st July 2013 (Argentina only)
Maximum net probable loss USD 0.07m – Argentina – excluding Motor USD 0.1m – Argentina – Motor USD 2.5m – Asia AED 5m / BHD 0. 5m – United Arab Emirates EUR 2m – Italy – Motor third party liability EUR 1m – Italy – General third party liability EUR 3m – Ireland
Main risk categories covered 110, 120, 220, 270, 281 & 283
Argentina Casualty (excluding Motor) Underlying retention USD 0.07m Limit of cover USD 9.93m Placement 100% Number of Reinstatements Unlimited free Motor
Underlying retention USD 0.1m Limit of cover USD 9.9m Placement 100% Number of Reinstatements Unlimited free Asia 1st Layer (ex Profin) Underlying retention USD 2.5m Limit of cover USD 2.5m Placement 100% Number of Reinstatements Maximum recovery of USD 20m but limited to USD 5m for Terrorism 2nd Layer Underlying retention USD 5m Limit of cover USD 10m Placement 100% Number of Reinstatements Maximum recovery of USD 40m but limited to
i) USD 30m Profin ii) USD 30m Motor own damage iii) USD 20m Terrorism
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
206
International Casualty Excess of Loss Reinsurance Asia 3rd Layer Underlying retention USD 15m Limit of cover USD 11m
USD 5m Profin Placement 100% Number of Reinstatements Maximum recovery of USD 33m but limited to USD 15m for Profin
and USD 22m Terrorism 4th Layer (A) – Singapore Motor Third Party Liability Underlying retention USD 26m Limit of cover Unlimited Placement 100% Number of Reinstatements Unlimited prepaid 4th Layer (B) – Hong Kong Workers Compensation / Employers Liability Underlying retention USD 26m Limit of cover USD equivalent of HKD 400m Placement 100% Number of Reinstatements 1 prepaid 4th Layer (B) – Asia Ex Singapore and Hong Kong Underlying retention USD 26m Limit of cover USD 26m Placement 100% Number of Reinstatements 1 prepaid Middle East Casualty, Motor and Profin 1st Layer (A): Excluding Profin Underlying retention AED 5m Limit of cover AED 5m Placement 100% Number of Reinstatements Motor – Unlimited prepaid
Motor Own Damage – 1 @ 100% additional premium. All other covered risks - 2 Prepaid
1st Layer (B): Profin Only Underlying retention AED 5m Limit of cover AED 5m Placement 100% Number of Reinstatements Maximum Recoverable AED 10m
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
207
International Casualty Excess of Loss Reinsurance Middle East Casualty, Motor and Profin 2nd Layer: Underlying retention AED 10m Limit of cover AED 10m Placement 100% Number of Reinstatements Motor – Unlimited prepaid
Motor Own Damage – 1 @ 100% additional premium. All other covered risks - 2 prepaid
3rd Layer (A): Motor Third Party Liability Only Underlying retention AED 20m Limit of cover AED Unlimited Placement 100% Number of Reinstatements Unlimited prepaid
3rd Layer (B): All Classes Excluding Motor Third Party Liability and Public & Products Liability Underlying retention AED 20m Limit of cover AED 10m Placement 100% Number of Reinstatements 2 prepaid 4th Layer (in respect of Public & Products Liability only) Underlying retention AED 20m Limit of cover AED 30m Placement 100% Number of Reinstatements Maximum recoverable AED 60m
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
208
International Casualty Excess of Loss Reinsurance Italy: Motor Third Party Liability 1st Layer Underlying retention EUR 2m Limit of cover EUR 3m Placement 100% Number of Reinstatements 4 prepaid 2nd Layer
Underlying retention EUR 5m Limit of cover EUR 10m Placement 100% Number of Reinstatements 2 prepaid 3rd Layer Underlying retention EUR 15m Limit of cover EUR 15m Placement 100% Number of Reinstatements 1 prepaid 4th Layer Underlying retention EUR 30m Limit of cover Unlimited for green cards Placement 100% Number of Reinstatements Unlimited prepaid Italy: General Third Party Liability 1st Layer Underlying retention EUR 1m Limit of cover EUR 1m Placement 100% Number of Reinstatements 1 prepaid
1 @ 50% additional premium 1 @ 100% additional premium
2nd Layer Underlying retention EUR 2m Limit of cover EUR 3m Placement 100% Number of Reinstatements 1 prepaid
1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
209
International Casualty Excess of Loss Reinsurance Italy: General Third Party Liability 3rd Layer
Underlying retention EUR 5m Limit of cover EUR 5m Placement 100% Number of Reinstatements 1 @ 100% additional premium Clash Cover Underlying retention EUR 10m Limit of cover EUR 5m Placement 100% Number of Reinstatements Nil Ireland: Includes EL/PL, Motor and PI 1st Layer Underlying retention EUR 3m Limit of cover EUR 4m Placement 100% Number of Reinstatements
Unlimited prepaid
2nd Layer Underlying retention EUR 7m Limit of cover EUR 6m Placement 100% Number of Reinstatements Unlimited prepaid 3rd Layer Underlying retention EUR 13m Limit of cover EUR 27m PL and Motor
EUR 19.5m EL EUR 2m PI
Placement 100% Number of Reinstatements PL and Motor - Unlimited prepaid
EL – 2 prepaid PI – 2 prepaid
4th Layer (Motor Only) Underlying retention EUR 40m Limit of cover Unlimited Placement 100% Number of Reinstatements Unlimited prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
210
International Personal Accident Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss £0.10m – Middle East
£0.25m – Asia EUR 0.5m – Italy EUR 5m – Ireland £5m – UK
Main risk categories covered 111, 113, 114 & 114(P) 1st Layer – Middle East (Note 2) Underlying retention £0.10m Limit of cover £0.15m Placement 100% Number of Reinstatements 2 @ 100% additional premium 2nd Layer – Asia and Middle East (Note 2) Underlying retention £0.25m Limit of cover £0.25m Placement 100% Number of Reinstatements 3 @ 100% additional premium 3rd Layer – Asia, Middle East and Italy (Note 2) Underlying retention £0.5m Limit of cover £0.5m Placement 100% Number of Reinstatements 4 @ 100% additional premium 4th Layer – Asia, Middle East and Italy (Note 2) Underlying retention £1m Limit of cover £1.5m Placement 100% Number of Reinstatements 3 @ 100% additional premium 5th Layer – Asia, Middle East and Italy (Note 2) Underlying retention £2.5m Limit of cover £2.5m Placement 100% Number of Reinstatements 3 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
211
International Personal Accident Excess of Loss Reinsurance 6th Layer – Asia, Middle East, Italy, Ireland and UK (Note 2) Underlying retention £5m Limit of cover £5m Placement 100% Number of Reinstatements 3 @ 100% additional premium 7th Layer – Asia, Middle East, Italy, Ireland and UK (Note 2) Underlying retention £10m Limit of cover £15m Placement 100% Number of Reinstatements 3 @ 100% additional premium 8th Layer Ireland and Clash for UK, Ireland, Italy, Asia and Middle East (Note 13) Underlying retention £25m Limit of cover £25m Placement 100% Number of Reinstatements 1 @ 100% additional premium International Motor Risk Period of cover 1 July 2013 – 30 June 2014
1 July 2014 – 30 June 2015 Maximum net probable loss USD 0.3 m - Argentina Main risk categories covered 111, 113, 114 & 114(P) Argentina (Note 15) 1st Layer Underlying retention USD 0.5m Limit of cover USD 0.5m Placement 100% Number of Reinstatements 2 @ 100% additional premium 2nd Layer Underlying retention USD 1m Limit of cover USD 2.8m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
212
International Motor Catastrophe Period of cover 1 July 2013 – 30 June 2014
1 July 2014 – 30 June 2015 Maximum net probable loss USD 0.3 m - Argentina Main risk categories covered 111, 113, 114 & 114(P)
Argentina (Note 15) 1st Layer Underlying retention USD 0.3m Limit of cover USD 0.7m Placement 100% Number of Reinstatements 1 @ 100% additional premium 2nd Layer Underlying retention USD 1m Limit of cover USD 3m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
213
International Marine Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Continuous cover from 1st July 2013 (Argentina only)
Maximum net probable loss USD 0.15m – Argentina USD 1.5m – Asia Middle East USD 2m – Latin America USD 3m – Italy
Main risk categories covered 340
Argentina 1st layer Underlying retention USD 0.15m Limit of cover USD 19.85m Placement 100% Number of Reinstatements 2 prepaid Argentina (Note 15) 1st layer Underlying retention USD 0.2m Limit of cover USD 0.8m Placement 100% Number of Reinstatements 2 prepaid International Marine Excess of Loss Reinsurance 2nd Layer Underlying retention USD 1m Limit of cover USD 2m Placement 100% Number of Reinstatements 2 prepaid 3rd Layer
Underlying retention USD 3m Limit of cover USD2m Placement 100% Number of Reinstatements 1 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
214
International Marine Excess of Loss Reinsurance 4th Layer (Catastrophe) Underlying retention USD 5m Limit of cover USD 2.5m Placement 100% Number of Reinstatements 1 prepaid Asia, Middle East, Latin America and Italy Sub-layers 1st layer (A) – Asia, Middle East (Note 14) Underlying retention USD 1.5m Limit of cover USD 1.5m Placement 67% Number of Reinstatements 2 prepaid 1st layer (B) – Latin America Underlying retention USD 2m Limit of cover USD 1m Placement 100% Number of Reinstatements 2 prepaid 2nd layer – Italy, Asia, Middle East and Latin America Underlying retention USD 3m Limit of cover USD 2m Placement 100% Number of Reinstatements 2 prepaid 3rd layer – Italy, Asia, Middle East and Latin America Underlying retention USD 5m Limit of cover USD 5m Placement 100% Number of Reinstatements 2 prepaid 4th layer – Italy, Asia, Middle East and Latin America Underlying retention USD 10m Limit of cover USD 5m Placement 100% Number of Reinstatements 2 prepaid
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
215
International Professional Indemnity Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss EUR 1m
Main risk categories covered 272
Ireland Underlying retention EUR 1m Limit of cover EUR 2m Placement 100% Number of Reinstatements 3 prepaid
1 @ 100% additional premium International Bonds Excess of Loss Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss EUR 0.75m – Italy
Main risk categories covered 283
Italy
1st Layer Underlying retention EUR 0.75m Limit of cover EUR 1.25m Placement 100% Number of Reinstatements 2 @ 100% additional premium 2nd Layer
Underlying retention EUR 2m Limit of cover EUR 1.5m Placement 100% Number of Reinstatements 1 @ 100% additional premium 3nd Layer Underlying retention EUR 3.5m Limit of cover EUR 1.5m Placement 100% Number of Reinstatements 1 @ 100% additional premium
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
216
International Decennial Liability Quota Share Reinsurance Period of cover 1 January 2014 to 31 December 2014
Maximum net probable loss EUR 3.2m – Italy
Main risk categories covered 263
Italy
1st Layer Underlying retention N/A – Quota share Limit of cover 80% Quota share EUR 15m / EUR 16m (depending on policy) – any
one policy 80% Quota share EUR 25m / EUR 30m (depending on policy) – sum insured basis
Placement 100% Number of Reinstatements N/A – Quota share reinsurance agreement International Construction and Engineering Surplus Period of cover Continuous contract commencing 1 January 2014 Maximum net probable loss USD 15m Main risk categories covered 263 Asia Middle East
Underlying retention USD 15m Limit of cover USD 85m Placement 100% Number of Reinstatements N/A – Surplus reinsurance agreement
Returns under the Accounts and Statements Rules Additional information on general insurance business ceded required by Rule 9.32 of the Accounts and Statements Rules Name of insurer: Royal & Sun Alliance Insurance plc Global Business Financial year ended: 31 December 2014
217
Note 1 The Property Risk layers are joint covers shared by the UK, Asia, Middle East, Europe,
Latin America, Scandinavia and Canada.
Note 2 These layers have Reinstatement Premium Protection in place.
Note 3 The net loss on the Property Variable Quota Share is protected by the Property Risk Excess of Loss programme.
Note 4 The UK Property Terrorism Excess of Loss Reinsurance programme applies to England, Scotland and Wales.
Note 5 The UK Motor, Motability and Casualty Excess of Loss programmes interlock such that the maximum loss across the three programmes arising from a single loss occurrence is £5m.
Note 6 The Casualty treaty provides cover for Employers Liability Offshore exposures for £25m xs £5m.
Note 7 Per event cover of the Personal Accident 3rd, 4th and 5th layers is included within the Casualty treaty programme, including the limits on reinstatements.
Note 8 The Personal Accident Per Risk Insured layers increase the original policy incident limit from £25m to a maximum of £100m.
Note 9 The retentions on the Dutch Land Based Equipment Reinsurance arrangements are protected under the Marine Excess of Loss programme.
Note 10 The Mortgage Payment Protection Quota Share agreement has a maximum cession of 90% and a minimum cession of 50%, applying to agreements with various building societies.
Note 11 The Property Quota Share treaty is placed in tandem with a First Surplus treaty.
Note 12 The International Property Catastrophe programme provides additional protection for the Asia and Europe regional programme. This contract applies to losses occurring worldwide excluding the UK, USA and Caribbean.
Note 13 This layer covers Ireland only and clash of retentions for other territories
Note 14 33% of this 1st layer (USD 500k) is unplaced and retained net by the reinsured, Royal & Sun Alliance Insurance plc.
Note 15 Relates to contracts protecting risk written by El Commercio which was merged with RSA Argentina during 2014.