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155% Mitigating the Impact of COVID-19  ¾ Supported customers through the pandemic with focused temporary rate discounts and adjustments to policy terms without cost ¾ Customer service levels fully maintained despite a move to working from home ¾ All staff retained on full pay with no government support taken ¾ Detailed pricing models reduced the impact on the business of lockdowns later in 2020 Key Highlights ¾ Robust financial performance during a year heavily disrupted by COVID-19, which extended the challenging stage of the car insurance market cycle ¾ Disciplined approach to pricing throughout, with rate increases in excess of 10% during the year ¾ Combined operating ratio ( COR ) for the year of 75.3%, in-line with long term target

United kingdomAdam westwoodGeoff carterAndy pomfretJames macey whiteGiles kernickCar services appGroup risk management forumSabre insurance groupGroup risk committeeMinistry of justiceEuropean unionTulchan communicationsInternational accounting standards boardWhile the groupA group