In line with the FCA’s updated requirements set out in PS25/21: Simplifying the Insurance Rules, Fair Value Assessments are no longer required to be reviewed and published annually.
The FVAs currently available on this website represent the latest approved assessments and remain in effect until superseded by an updated version. All FVAs are scheduled to be reviewed and updated during 2026, with revised assessments being published as they become available.
We continue to monitor our products and customer outcomes on an ongoing basis and will review and update assessments where necessary.
Fair Value Assessment
2026 FVA Summary : Caravans
FVA Summary - Residential Property Owners 2025
FVA Summary - Swarovski 2025
FVA Summary - Household 2025
FVA Summary - Tenants Contents 2025
FVA Summary - Student Contents 2025
2026 FVA Summary : Musical Instruments
FAV Summary - Unoccupied RPO 2025
FVA Summary - CLSPI Online 2025
FVA Summary - MusicGuard 2025
FVA Summary - CycleGuard 2025
FVA Summary - PhotoGuard 2025
FVA Summary - Tourer Select 2025
FVA Summary - Thistle Tenants Risk 2025
FVA Summary - Commercial Property Owners 2025
FVA Summary - Unoccupied Commercial Property Owners 2025
FAV Summary - Commercial Combined 2025
2026 FVA Summary : Commercial Trailers
2026 FVA Summary : Caterers Trailers
2026 FVA Summary : Horse Trailers
FVA Summary - Package 2025
FVA Summary - Stand alone Liability 2025
FVA Summary - Excess Liability 2025
FVA Summary - CLSPI Offline Title 2025
2026 FVA Summary : Barbon Tenants Contents
Target Market Statement
2026 Target Market Statement : Caravan
Target Market Statement - Residential Property Owners 2025
Target Market Statement - Swarovski 2025
Target Market Statement - Household 2025
Target Market Statement - Tenants Contents 2025
Target Market Statement - Students Contents 2025
2026 Target Market Statement : Musical Instruments
Target Market Statement - Unoccupied RPO 2025
Target Market Statement - CLSPI Online 2025
Target Market Statement - MusicGuard 2025
Target Market Statement - CycleGuard 2025
Target Market Statement - PhotoGuard 2025
Target Market Statement - Tourer Select 2025
Target Market Statement - Thistle Tenants Risks 2025
Target Market Statement - Commercial Property Owners 2025
Target Market Statement - Unoccupied Commercial Property Owners 2025
Target Market Statement - Commercial Combined 2025
2026 Target Market Statement : Commercial Trailers
2026 Target Market Statement : Caterers Trailers
2026 Target Market Statement : Horse Trailers
Target Market Statement - Package 2025
Target Market Statement - Stand alone Liability 2025
Target Market Statement - Excess Liability 2025
Target Market Statement - CLSPI Offline Title 2025
