Focused solely on Defence, our finances are dedicated to providing legal costs cover, not other liability claims.
- £19.9 million premium income
- £40.9 million free reserves
- £68 million total assets
- 233% assets to liabilities
- £12.5 million returned via continuity credits over the last 10 years
- Combined ratio 100.5%
- 98% Member retention
A singular focus on Defence
Across the maritime sector, the volume of claims is increasing, and the cost of litigation is rising. The UK Defence Club is uniquely placed to manage these pressures without restricting cover for Members.
For over 135 years, we have maintained a prudent financial strategy that allows the Club to weather the vagaries of the markets, and we can use our independence to protect our capital from exposure to other liabilities. Unlike other insurers, our single focus on defence risks allows us to put Members at the forefront of everything we do and to protect their interests.
This financial strength delivers real benefits for our Members – these include no mandatory deductibles and no release calls on our market leading cover, consistent premiums from year-to-year, and our Continuity Credits that have rewarded multiple years of membership.
The UKDC is dual regulated in the UK by the FCA and PRA as a legal expenses insurer.