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Looking Ahead at the Key Challenges Facing UK Insurers in 2026
We look ahead at the new challenges vying for UK insurers attention and the evolution of ongoing concerns, based on the 2026 Claims Insights survey.
Gallagher Bassett's annual whitepaper returns with fresh insights on how insurers are navigating cost pressures, workforce challenges, and rapid technological change.
Built from the perspectives of industry leaders across the UK, Australia, and North America, the 2026 edition explores what's driving change — and how the industry is preparing for what's next.
Here's a preview of the questions guiding our research and a glimpse of the insights:
Key questions we asked insurers
- How are you adapting cost-control strategies to manage rising expenses?
- How are you using AI to improve decision-making and fraud detections?
- What barriers still limit AI and data adoption in claims operations?
- Are tariffs and economic volatility influencing underwriting and pricing?
- How are labour and skills shortages affecting performance?
Insights you'll discover
- How insurers are adapting cost-control strategies to manage rising expenses
- How automation and AI are transforming claims resolution and fraud prevention
- What workforce shifts mean for efficiency and customer experience
- How economic and trade pressures are impacting underwriting and operations
- Practical strategies from insurers leading through uncertainty
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Meet the team behind The Carrier Perspective
Our research and insights are shaped by a team of industry experts with deep experience in claims management, technology adoption, and strategic risk.