Insurance news in 2025
12 stories, newest first.
- December 2025
Motor Insurance Taskforce final report published without action on low-income households
The Motor Insurance Taskforce has published its final report, and Fair By Design says it leaves low-income households facing the highest car insurance charges without action on targeted discounts.
Administrators to stop all Premier Insurance policies
Administrators of the failed Gibraltar-based insurer Premier Insurance plan to stop all remaining policies on 1 December 2025, leaving thousands of mainly motor customers needing new cover.
- November 2025
Welsh Government issues resultant proposals on flood insurance in Wales
The Wales Flood and Coastal Erosion Committee has published seven resultant proposals on flood insurance in Wales, covering uninsured properties, Flood Re eligibility and support for those outside the scheme.
- October 2025
Consultation on the review of the Financial Ombudsman Service closes
The government's consultation on reforming the Financial Ombudsman Service, including a proposed 10-year absolute time limit for complaints, closed on 8 October 2025.
Consumer Scotland responds to HM Treasury consultation on the review of the Financial Ombudsman Service
Consumer Scotland has told HM Treasury it opposes a 10 year absolute time limit for Financial Ombudsman Service complaints, a merger of the ombudsman with the FCA, and new FCA referrals.
- July 2025
Virgin Money removes Covid vaccination exclusion from travel policy
Virgin Money has removed a clause that excluded cover for unvaccinated travellers hospitalised with Covid abroad, after Which? flagged the exclusion in a comparison of three travel insurers.
- May 2025
Which? finds most home insurance policies cover gardens but with low limits and exclusions
Which? analysed 75 home insurance policies and found 91% cover garden contents, but only one would pay out for storm damage to fences, gates and hedges.
- April 2025
Which? finds potentially unfair storm and flood definitions in home insurance policies
Which? analysis of 133 home insurance policy documents from 67 firms found 32% contained a potentially unfair definition of flood and 20% a potentially unfair definition of storm.
- February 2025
Consultation closed on permitted insurance fees
A government consultation on permitted insurance fees for landlords, freeholders and property managing agents in England and Wales closed at 11:59pm on 24 February 2025, with a response published later.
Flood Re reports 20,000 Welsh properties ceded to the scheme
About 20,000 properties in Wales had been ceded to Flood Re in recent months as of February 2025, with 900 claims made in Wales to date, a Welsh consultation report says.
- January 2025
Which? finds only 10 of 76 car insurance policies include breakdown cover as standard
Which? analysis of 76 car insurance policies published on 30 January 2025 found only 10 include breakdown cover as standard, with just two offering a complete package.
Insurers paid record £585m for weather damage in 2024
Insurers paid a record £585m in 2024 for weather-related damage to homes and possessions, according to Association of British Insurers data cited by Which?, with a further £322m paid in the first half of 2025.