TO BE PUBLISHED September 2026
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This conference will examine next steps for the UK insurance sector.
Delegates will assess progress and developments relating to regulatory reform, including continued implementation of Solvency UK, proposed simplification of the Financial Conduct Authority’s insurance rules, scrutiny of retail insurance markets, and the role of insurers in the future of investment, growth and long term risk management across the UK economy.
It will bring stakeholders and policymakers together to consider issues arising from the Financial Services Growth and Competitiveness Strategy, the FCA’s PS25/21: Simplifying the insurance rules, and the Prudential Regulation Authority’s Insurance Supervision: 2026 priorities. We expect discussion on 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.
Looking at retail insurance markets, areas for discussion include 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. Delegates will consider 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.
Further sessions focus on prudential and supervisory developments, including recent life insurance stress testing, preparation for the 2026 Dynamic General Insurance Stress Test, and the PRA’s ongoing work on climate-related risk management. Delegates will also examine issues arising from FCA and PRA’s joint Scale-up Unit and Sterling 20 partnership, particularly regulatory engagement with scaling firms, conditions for innovation and competitiveness, and expectations placed on insurers and pension funds in relation to investment in the UK economy.
Overall areas for discussion include:
- regulatory reform:
- implementation of the Financial Services Growth and Competitiveness Strategy and PS25/21: Simplifying the insurance rules
- scope of regulatory simplification for commercial and specialist markets - implications for firms operating across conduct and prudential regimes
- Solvency UK: embedding revised prudential regime in capital, reporting and governance processes - practical questions arising from early implementation - implications for life and general insurers
- Consumer Duty: application of expectations across insurance markets - interaction with regulatory simplification initiatives - implications for product governance, distribution and oversight
- premium finance: issues raised in MS24/2 - fair value, pricing transparency and monthly payment structures - implications for access to motor and home cover
- protection gap: issues raised in the FCA’s work - addressing barriers to take-up and consumer understanding - roles of firms, advisers and regulatory initiatives in improving access
- claims and affordability: issues following the response to the Which? super-complaint and Motor Insurance Taskforce’s final report - claims handling, pricing pressures and consumer confidence
- resilience and stress testing: PRA’s expectations set out in the Insurance Supervision: 2026 priorities - insights from life insurance stress testing and preparation for DyGIST 2026
- climate risk: PRA work on climate-related risk management - implications for governance and risk frameworks - proportionality, scenario analysis and implementation questions
- innovation and scale-up: implications of FCA and PRA’s Scale-up Unit for insurers and insurtechs - regulatory engagement with scaling firms
- investment and market development: implications of the Sterling 20 partnership and related initiatives - investment in UK infrastructure and growth sectors - saver and policyholder interests
