Fitch Ratings anticipates that recent reforms to the UK’s Insurance-Linked Securities (ILS) framework will primarily redistribute existing business flows rather than spark significant new market activity. The enhancements aim to simplify regulatory processes and improve the UK’s attractiveness, positioning it to pull market share from well-established ILS hubs such as Bermuda and the Cayman Islands. However, Fitch emphasizes that while the reforms address operational efficiencies, they do not fundamentally alter the risk appetite or capital demand that drive the sector’s growth.

Key factors influencing this shift include:

  • Streamlined authorization processes enabling quicker market entry for ILS issuers.
  • Enhanced tax clarity