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Direct Line Insurance Group (DLG) investor relations material
Direct Line Insurance Group H2 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2024 earnings summary4 Mar, 2025
Executive summary
2024 marked a significant turnaround with new leadership, a clear strategy, and operational improvements, including cost actions and digital initiatives.
Returned to profit with a £395m year-over-year operating profit increase and a 22pt improvement in Motor margin.
Achieved 25% premium growth to £3,732m, with Motor up 32% and Non-Motor up 11%.
Announced a recommended cash and share offer from Aviva, valuing the company at £3.7bn, with shareholder vote scheduled for March 2025 and expected completion mid-2025.
Maintained a strong solvency capital ratio of 200% before a 5.0p final dividend.
Financial highlights
Gross written premium and associated fees: £3,732m (+25% YoY); Motor: £2,700m (+32% YoY); Non-Motor: £1,032m (+11% YoY).
Ongoing operating profit reached £205m, a £395m improvement from the prior year.
Net insurance margin improved to 3.6% from -8.7% year-over-year; combined operating ratio improved by 12 points to 96.4%.
Operating return on tangible equity rose by 25 points to 10%; basic EPS 11.2p.
Investment income yield at 4.1%, up 44% due to higher rates.
Outlook and guidance
Targeting at least £100m gross run-rate cost savings by end of 2025.
Non-Motor premium CAGR targeted at 7–10% between 2023–2026.
Aiming for 13% net insurance margin in 2026, supported by business transformation.
Further performance improvement expected in 2025 as recent actions fully impact earnings.
Shareholder vote on Aviva acquisition scheduled for March 2025; expected completion mid-2025, subject to approvals.
How will Aviva acquisition impact DLG risks?
Explain Motor's H1 vs H2 net insurance margin.
What's driving growth in commercial direct?
Post shareholder vote, what are next Aviva deal steps?
How will the remaining GBP 50M cost savings be realized?
Motor: Own brand retention vs. PCW growth strategy?
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Direct Line Insurance Group plc is a United Kingdom-based insurance company offering a range of general insurance products. The company provides coverage for motor, home, travel, pet, and small business insurance through its portfolio of brands, including Direct Line, Churchill, and Green Flag. The company is headquartered in Bromley, United Kingdom, and its shares are listed on the LSE (London Stock Exchange).
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