The first half of 2026 has seen a notable shift in the insurance risk landscape, with weather-related catastrophes becoming a major driver of claims, alongside rising motor claim severity and increasing cyber exposure. These trends are being reinforced by broader structural pressures such as climate change, ageing infrastructure and claims inflation.

In this edition of InShort, we unpack the key risks shaping the market this year – from severe weather patterns and rising repair costs to geopolitical pressures and cyber threats. We also highlight practical steps policyholders can take to stay adequately covered, including reviewing sums insured, addressing emerging gaps in cover and strengthening risk mitigation measures.