TO BE PUBLISHED September 2026
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Format: DOWNLOADABLE PDF
This conference will examine next steps for the UK insurance sector.
Delegates will assess progress, developments and key issues relating to latest regulatory reform, including ongoing implementation of Solvency UK, proposed simplification of the FCA’s insurance rules, priorities for commercial and specialist markets, scrutiny of retail insurance markets. The conference will also discuss priorities for supporting investment in UK productive assets, including implications of recent industry commitments, operation of the Matching Adjustment Investment Accelerator framework, and considerations for balancing growth objectives with protection of policyholders and long-term returns.
Overall, it will be an opportunity to bring stakeholders and policymakers together to consider key issues arising from the Financial Services Growth and Competitiveness Strategy, the FCA’s PS25/21: Simplifying the insurance rules, and the PRA’s Insurance Supervision: 2026 priorities.
Areas for discussion include the scope of regulatory simplification for commercial and specialist markets, including treatment of bespoke and wholesale insurance activity and proposals for a UK captive regime, as well as concerns raised by firms that conduct and prudential requirements continue to overlap or create operational complexity. Concerns around proportionality in regulation for specialist and scaling firms, and how reform might best support innovation and competitiveness across markets will also be examined.
Policy, supervision & market reform
Looking at retail insurance markets, attendees will consider implications of the FCA’s Premium Finance Market Study (MS24/2), its interim January 2026 Market Study Into the Distribution of Pure Protection Products to Retail Customers discussion paper, and the regulator’s response to the Which? super-complaint on home and travel insurance, including next steps for evaluation metrics of claim outcomes, enforcement approaches, and options for future market intervention.
Delegates will discuss options for further supervisory or market-led action related to premium finance structures, fair value, claims handling, affordability pressures, access to cover and distribution practices. Approaches to addressing risks of market failure in retail insurance will also be discussed, as well as key developments from the recent life insurance stress testing, 2026 Dynamic General Insurance Stress Test, and the PRA’s ongoing work on climate-related risk management.
Consumer outcomes & closing the protection gap
Sessions will also examine priorities for strengthening consumer trust, transparency, and outcomes under the Consumer Duty, with a focus on best practice for firm conduct and product design, and how regulatory approaches might best balance consumer protection with wider innovation. Ways forward for firms, brokers, and intermediaries under the recently introduced targeted support regime will also be assessed, including application preparation for authorisation, development of consumer segment strategies, and key considerations for compliance with the framework.
Priorities for addressing protection and underinsurance gaps in life markets will be examined, including strategic approaches to supporting consumer awareness, affordability and engagement with protection products, as well as the potential role of targeted support, data-driven distribution models, and industry-led initiatives in improving access to cover. Implications of increasing digitalisation across insurance markets will also be discussed, including expectations relating to customer understanding, accessibility and fair treatment for consumers interacting through digital-first channels.
Innovation & investment in UK assets
We also expect discussion on strategic approaches for deployment of insurtech and wider digital transformation initiatives to support firms in tackling operational challenges, including navigating regulatory complexity, improving data-sharing frameworks, and next steps for responsible adoption of AI and automated decision-making in underwriting, pricing and customer engagement. The role of the FCA and PRA’s joint Scale-up Unit in supporting growth and product innovation will also be considered, as well as wider opportunities for early regulatory engagement, enhanced information-sharing, and tackling barriers to regulatory complexity.
Further discussion will assess the future for the Sterling 20 industry-led partnership and commitments by insurers and pension funds in relation to investment in the UK economy, as well as early indications from the recently introduced Matching Adjustment Investment Accelerator framework.
All delegates will be able to contribute to the output of the conference, which will be shared with parliamentary, ministerial, departmental and regulatory offices, and more widely. This includes the full proceedings and additional articles submitted by delegates.
