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This report covers the Business and Performance of The United Kingdom Freight Demurrage and Defence Association Limited (“UKFDD” (solo)). Collectively, the consolidated position is referred to as “the Group”. It also covers the System of Governance, Risk Profile, Valuation for Solvency Purposes and Capital Management under the requirements of the Solvency 2 regime.

This report covers the Business and Performance of The United Kingdom Freight Demurrage and Defence Insurance (Europe) Limited (“UKDE”). This report covers Business Performance, System of Governance (including risk management), Risk Profile, Valuation for Solvency Purposes and Capital Management of the Company over the reporting period.