The Club will return 10% of Estimated Total Call to Owners renewing with Gard for the 2026 policy year.

However in view of inflation and claims costs, and the need to maintain stability of in the portfolio, the Board has decided that an average 5% premium increase should be levied on ETC for 2026 renewal.

Individual assessments will be made based on loss records and pricing levels, and changes to the IG reinsurance rates will be passed on to Members.

Release calls:

2026-27: 10%
2025-26: 10%
2024-25: 10%

2023-24: 5%

Full details of the above announcements are included in the Club’s circular.

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