As we reach the end of the year, I wanted to take a moment to reflect on the progress we’ve made at NBS — and to thank you for continuing to place your trust in us.
2025 has certainly brought its share of challenges, not least navigating a softer market, but our focus has remained on supporting brokers with consistent service and clear underwriting decisions. Looking back on the year, it’s staggering how much we’ve achieved: staying focused on service and improvement, earning industry recognition, expanding our proposition with new products and capacity, and launching our brand-new website to make it even easier for you to trade with us.
Our priority has always been to make life easier for brokers by delivering a consistent, seamless, efficient and responsive service. One of the key improvements we’ve made this year is significantly reducing our quotation turnaround times, helping you get the information you need sooner and making day-to-day trading with us simpler.
We’ve invested in smart underwriting technology and automation to simplify journeys and speed up decision-making. We’ve also improved cover limits for care homes for the elderly, added padel clubs to our Sports Club product, and expanded our Food & Eateries scheme to include food kiosks and food courts.
Product and capacity development has also been a key focus. We added A-rated Hiscox capacity in March, launching non-standard household initially, followed by Mid Net Worth in June and Holiday Homes in October. We also expanded our PI offering for mortgage brokers in July, launched Contractors Combined in September, and widened acceptance criteria in October to include shared premises risks.
July was also a standout moment for the business, when NBS was named the UK’s top performing MGA by Insurance DataLab — recognition that reflects the strength of our proposition and our continued focus on service. That momentum continued in July as we were also named winner of the MGAA Awards’ MGA Initiative of the Year, celebrating the innovation and collaboration behind the improvements we’ve delivered for brokers and their clients.
Looking ahead to 2026, we remain focused on continuous improvement across our products and service. We’ll continue listening to broker feedback and prioritising the changes that make trading with NBS simpler and more efficient.
Finally, I’d like to extend a sincere thank you to all our broker partners for your support throughout the year. We wish you a very Merry Christmas and a happy, healthy and successful New Year.
Kind regards, Steve Cowman, Managing Director
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