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Lloyd's Box 388 & Global Strength: New Standards in 2026

09. 01. 2026 / Artykuły z bloga / 3 minutes reading
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As we head into 2026, DEFEND Insurance reflects on a year of strategic strengthening within the Fortegra Group. While the market faces volatility, we have focused on securing long-term capacity and quality for our partners.

That focus has been informed by broader market trends across the region. While inflation has stabilised—averaging around 2.3%—vehicle ownership dynamics continue to favour long-term engagement¹. For many drivers, particularly outside major urban centres, vehicles are essential assets, and ownership cycles are extending as repair costs and inflation have increased in recent years. This has created expanded opportunities for ongoing protection solutions, service, and meaningful engagement beyond the initial sale.

These dynamics are also driving increased interest in more innovative, integrated approaches to protection. As expectations shift toward simplicity and convenience, embedded insurance and warranty solutions are gaining momentum—enabling partners to offer coverage at natural touchpoints in the customer journey.

These conditions reinforce the importance of insurance and warranty solutions that provide financial value and peace of mind in a fluctuating cost environment. Looking ahead to this year, we are building on this momentum—continuing to protect consumers' financial investments while enhancing capacity, flexibility, and niche opportunities for our partners. This includes focusing on new capacity solutions, enhanced digitisation, and simplified insurance options.

Two major developments define our outlook for 2026:

1. A Seat at the Table: Box 388 at Lloyd's

In late 2025, Fortegra established a permanent presence within the Underwriting Room at Lloyd's of London, securing Box 388. Lloyd's remains the centre of the global specialty insurance market. For our partners, this is not just a prestigious address, it signifies access to the London market's ecosystem and enhanced ability to deliver tailored solutions for complex risks.

2. Global Financial Strength

We are entering the new year with bolstered stability through Fortegra's strategic agreement to be acquired by DB Insurance. This partnership combines our specialty underwriting expertise with DB Insurance's substantial capital base—over $45 billion in assets and A+ (Superior) ratings from AM Best. This ensures durable capital backing to support growth initiatives.

What this means for our partners in Poland:

Through DEFEND, you gain a partner that combines local responsiveness with global financial strength. In an environment where capacity is key, we offer certainty. We don't just follow the market; we are positioned to lead it with discipline and underwriting excellence.

We invite you to build a secure and profitable 2026 with us!

¹ European Automobile Manufacturers' Association (ACEA), Vehicles on European Roads Report 2025. Available at: https://www.acea.auto/files/ACEA_Report_-_Vehicles_on_European_roads_2025.pdf

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