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Welcome to SiriusPoint’s annual Renewals Holiday Countdown. Throughout December we’re bringing insights from SiriusPoint experts on what we’re expecting to see during the 1.1 renewals. Over the coming days, we’ll share commentary relating to different business lines. First up is Eleanor Gibson, Chief Underwriting Officer, International who shares her thoughts on the current dynamics at Lloyd’s and what the ghosts of underwriting years past and future tell us… “As the cold weather arrives after an autumn of M&A activity on Lime Street, the market is hunkered down ready for renewals. With the change in leadership at Lloyd's plus the softening rate environment we expect to see the market remaining disciplined with a focus on bottom line underwriting. We've seen some large established syndicates de-empt for 2026, partly driven by the USD/GBP rate but also an indicator of the market. Whilst many lines have had a benign year in terms of loss experience, the spectre of increased loss potential - both in frequency and quantum - are the ghosts of underwriting years past that underwriters will have at the forefront of their minds as 2025 draws to a close. “What will the ghost of underwriting years future tell us? We might see increased pace of innovation, in terms of products and placements and increasing use of technology.” Click here to read more in our annual Renewals Holiday Countdown on our website: https://lnkd.in/e6SmK2Gv #RenewalsHolidayCountdown #LondonMarket #insurance #reinsurance

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