{"id":5102,"date":"2026-07-29T11:41:30","date_gmt":"2026-07-29T11:41:30","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/intact-weathers-a-costly-catastrophe-quarter-without-losing-its-grip-on-returns\/"},"modified":"2026-07-29T11:41:30","modified_gmt":"2026-07-29T11:41:30","slug":"intact-weathers-a-costly-catastrophe-quarter-without-losing-its-grip-on-returns","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/intact-weathers-a-costly-catastrophe-quarter-without-losing-its-grip-on-returns\/","title":{"rendered":"Intact weathers a costly catastrophe quarter without losing its grip on returns"},"content":{"rendered":"<div>\n<p>The UK&amp;I segment was the clear pressure point. Its combined ratio of 112.0% deteriorated 19.1 points year on year, incorporating a 15-point impact from elevated catastrophe and large losses. Operating DPW fell 1%, as solid new business and retention were more than offset by the impacts of combining the RSA and Direct Line Group brokered commercial lines portfolios under one brand. UK&amp;I operating DPW for the quarter was CA$1.332 billion. For context, Intact acquired RSA&#8217;s Canadian, UK and Irish operations in June 2021 in a joint transaction with Tryg, and subsequently absorbed Direct Line&#8217;s commercial brokered portfolio &#8211; these two legacy books are now being consolidated under a single brand, a process whose short-term friction is visible in this quarter&#8217;s numbers.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The UK&amp;I segment was the clear pressure point. Its combined ratio of 112.0% deteriorated 19.1 points year on year, incorporating a 15-point impact from elevated catastrophe and large losses. Operating DPW fell 1%, as solid new business and retention were more than offset by the impacts of combining the RSA and Direct Line Group brokered [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3342,1508,4170,2328,4169,1742,1145,4168],"class_list":["post-5102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-catastrophe","tag-costly","tag-grip","tag-intact","tag-losing","tag-quarter","tag-returns","tag-weathers"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/5102","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=5102"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/5102\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/5103"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=5102"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=5102"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=5102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}