Insurance news & updates
This is where we track the changes across the UK insurance market that actually affect your cover and what it costs — new regulation, tax changes, NHS pressures and fresh research — explained in plain English, without the spin.
The cost and availability of insurance rarely stays still. Tax rates shift, the regulator changes the rules, NHS waiting lists move demand towards private cover, and new research keeps reshaping how big the UK’s protection gap really is. We follow those developments so you can see, at a glance, what has changed and why it might matter for the cover you hold or are thinking about. Everything here is research and explanation — never a recommendation to buy a particular product.
Latest updates
- UK insurance market update 2026 — where premiums, regulation and demand stand this year, and what is driving the cost of life, health and protection cover across the UK.
We add to this list as significant developments land. For our core research, see the life insurance, income protection and health insurance sections.
What we track
- Regulation & the FCA: rule changes such as Consumer Duty and fair-value requirements that shape how cover is sold and priced.
- Insurance Premium Tax: the tax added to most general insurance premiums (currently 12% standard rate), and any signals of change at fiscal events.
- NHS waiting times & PMI demand: how pressure on NHS waiting lists is pushing more people to consider private medical insurance.
- Protection-gap research: ABI and industry data on how many UK households are under-insured against death, illness or loss of income.
Information only — not financial advice. My Insurance Expert is not an FCA-authorised intermediary and does not arrange or sell policies. Last updated: 2026-06-13