Limited Liability Partnership registration number OC370491 (England and Wales)
ACCIDENT & HEALTH CLAIMS SERVICES LLP
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
ACCIDENT & HEALTH CLAIMS SERVICES LLP
CONTENTS
Page
Members' report
1 - 2
Members' responsibilities statement
3
Independent auditor's report
4 - 6
Profit and loss account
7
Balance sheet
8
Notes to the financial statements
9 - 15
ACCIDENT & HEALTH CLAIMS SERVICES LLP
LIMITED LIABILITY PARTNERSHIP INFORMATION
Designated members
Accident & Health Underwriting Limited
Group Ark Insurance Holdings Limited
LLP registration number
OC370491
Registered office
Chapel House
Thremhall Park
Start Hill
Bishop's Stortford
CM22 7WE
Independent auditors
PricewaterhouseCoopers LLP
7 More London Riverside
London
SE1 2RT
Bankers
Lloyds Bank
20 North Street
Bishop's Stortford
Hertfordhire
CM23 2LN
ACCIDENT & HEALTH CLAIMS SERVICES LLP
MEMBERS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024
- 1 -

The members present their annual report and audited financial statements for the year ended 31 December 2024.

Principal activities

The principal activity of the limited liability partnership continued to be that of an insurance claims handler.

Fair review of the business

The turnover has decreased marginally from £315,517 to £315,364 in the current year, but has remained relatively static. The administrative expenses have reduced from £322,830 to £268,246 due to reduced staff costs.

 

Principal risks and uncertainties

 

The principal risks and uncertainties of the LLP are managed on a Group basis. They include the following risks set out below:

 

Regulatory environment

Although not directly regulated by the Financial Conduct Authority, Accident & Health Claims Services LLP (AHC) adheres to a strong framework of compliance provided by internal staff and independent external consultants. The Members believe that by ensuring the LLP is compliant within this framework through robust risk management and compliance monitoring and audit processes these external risk factors are minimised. The Members continue to look for ways to enhance the compliance processes.

 

Key performance indicators ("KPIs")

The Members measure the performance of the LLP using a variety of KPIs. Aside from Turnover and Profit for the financial year, where appropriate, the Members monitor non-financial KPIs including service standards, complaints, declinatures and claims that have not been pursued. The regular monitoring of these KPIs aids decision making. Profit for the financial year before members' remuneration and profit share, which is considered a KPI, amounted to £69,997, up from a loss of £4,704 in 2023. Net current assets of the LLP totalled £573,960 (2023: £509,393).

Future developments

The business continues to service AHU business and is in the very early stages of speaking to Ark about administering other claims.

 

Financial risk management

AHC is exposed to a range of financial risks, in particular the key financial risk is that the proceeds from financial assets are not sufficient to fund the obligations.

The components of this financial risk are market risk, credit risk and liquidity risk.

Market risk

Market risk arises where the value of assets and liabilities change as a result of movements in interest rates or foreign exchange rates. The assets are denominated in Sterling. The related currency risk is closely monitored by management.

 

Credit risk

Credit risk arises where counterparties fail to meet their financial obligations in full as they fall due. The primary source of credit risk for the Company are fees due from Ark.

 

Liquidity risk

Liquidity risk is the risk that cash may not be available to pay obligations when due at a reasonable cost. This risk is mitigated by regular reviews of aged debtors and creditors.

Members' drawings, contributions and repayments

The profit for the year before members' remuneration and profit shares was £69,997 (2023 - £4,704 loss).

ACCIDENT & HEALTH CLAIMS SERVICES LLP
MEMBERS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
- 2 -
Designated members

The designated members who held office during the year and up to the date of signature of the financial statements were as follows:

Accident & Health Underwriting Limited
Group Ark Insurance Holdings Limited

Members interests

The policies regarding the allocation of profits to members, interim drawings and the subscription and redemption of members' capital are disclosed in the accounting policies note.

Political donations

The LLP made no political donations or incurred any political expenditure during the year (2023: £Nil).

Statement of disclosure to auditors

Each of the members in office at the date of approval of this annual report confirms that:

 

Independent auditors

The LLP has an elective resolution in place under Section 487(2) of the Companies Act 2006 to dispense with the obligation to appoint auditors annually. The LLP appointed PricewaterhouseCoopers LLP as independent auditors for the year ending 31 December 2024 and have reappointed them for the next year.

Approved by the members on 31 July 2025 and signed on behalf by:
31 July 2025
Accident & Health Underwriting Limited
Designated Member
ACCIDENT & HEALTH CLAIMS SERVICES LLP
MEMBERS' RESPONSIBILITIES STATEMENT
FOR THE YEAR ENDED 31 DECEMBER 2024
- 3 -

The members are responsible for preparing the Annual Report and the financial statements in accordance with applicable law and regulation.

Company law, as applied to limited liability partnerships by the Limited Liability Partnerships (Accounts and Audit) (Application of Companies Act 2006) Regulations 2008 (the “Regulations”), requires the members to prepare financial statements for each financial year. Under that law the members have prepared the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards, comprising FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” Section 1A, and applicable law).

Under company law, as applied to limited liability partnerships, members must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the LLP and of the profit or loss of the LLP for that period. In preparing the financial statements, the members are required to:

The members are responsible for safeguarding the assets of the LLP and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The members are also responsible for keeping adequate accounting records that are sufficient to show and explain the LLP’s transactions and disclose with reasonable accuracy at any time the financial position of the LLP and enable them to ensure that the financial statements comply with the Companies Act 2006.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
INDEPENDENT AUDITOR'S REPORT
TO THE MEMBERS OF ACCIDENT & HEALTH CLAIMS SERVICES LLP
- 4 -
Opinion

In our opinion, Accident & Health Claims Services LLP's financial statements:

 

We have audited the financial statements, included within the Annual Report and Financial Statements (the “Annual Report”), which comprise: the Balance sheet as at 31 December 2024; the Profit and loss account for the year then ended; and the notes to the financial statements, which include a description of the significant accounting policies.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (“ISAs (UK)”) and applicable law. Our responsibilities under ISAs (UK) are further described in the Auditors’ responsibilities for the audit of the financial statements section of our report. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

 

Independence

We remained independent of the LLP in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, which includes the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements.

Conclusions relating to going concern

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the LLP's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

 

In auditing the financial statements, we have concluded that the members' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

 

However, because not all future events or conditions can be predicted, this conclusion is not a guarantee as to the LLP's ability to continue as a going concern.

 

Our responsibilities and the responsibilities of the members with respect to going concern are described in the relevant sections of this report.

Reporting on other information

The other information comprises all of the information in the Annual Report other than the financial statements and our auditors’ report thereon. The members are responsible for the other information. Our opinion on the financial statements does not cover the other information and, accordingly, we do not express an audit opinion or any form of assurance thereon.

 

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit, or otherwise appears to be materially misstated. If we identify an apparent material inconsistency or material misstatement, we are required to perform procedures to conclude whether there is a material misstatement of the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report based on these responsibilities.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF ACCIDENT & HEALTH CLAIMS SERVICES LLP
- 5 -
Responsibilities  for the financial statements and the audit
Responsibilities of the members for the financial statements

As explained more fully in the Members' Responsibility Statement, the members are responsible for the preparation of the financial statements in accordance with the applicable framework and for being satisfied that they give a true and fair view. The members are also responsible for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

 

In preparing the financial statements, the members are responsible for assessing the LLP’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the members either intend to liquidate the LLP or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors’ report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

 

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud, is detailed below.

 

Based on our understanding of the LLP and industry, we identified that the principal risks of non-compliance with laws and regulations related to breaches of UK and European regulatory principles, such as those governed by the Limited Liability Partnerships (Accounts and Audit) (Application of Companies Act 2006) Regulations 2008, and we considered the extent to which non-compliance might have a material effect on the financial statements. We also considered those laws and regulations that have a direct impact on the financial statements such as Companies Act 2006. We evaluated management’s incentives and opportunities for fraudulent manipulation of the financial statements (including the risk of override of controls) and determined that the principal risks were related to the risk of fraud in journal entries. Audit procedures performed by the engagement team included:

 

 

There are inherent limitations in the audit procedures described above. We are less likely to become aware of instances of non-compliance with laws and regulations that are not closely related to events and transactions reflected in the financial statements. Also, the risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one resulting from error, as fraud may involve deliberate concealment by, for example, forgery or intentional misrepresentations, or through collusion.

 

A further description of our responsibilities for the audit of the financial statements is located on the FRC’s website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditors’ report.

Use of this report

This report, including the opinions, has been prepared for and only for the members of the partnership as a body in accordance with the Companies Act 2006 as applied to limited liability partnerships by the Limited Liability Partnerships (Accounts and Audit) (Application of Companies Act 2006) Regulations 2008 and for no other purpose. We do not, in giving these opinions, accept or assume responsibility for any other purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly agreed by our prior consent in writing.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF ACCIDENT & HEALTH CLAIMS SERVICES LLP
- 6 -

Other required reporting

 

Companies Act 2006 exception reporting

Under the Companies Act 2006 as applicable to limited liability partnerships we are required to report to you if, in our opinion:

 

 

We have no exceptions to report arising from this responsibility.

 

Entitlement to exemptions

Under the Companies Act 2006 as applicable to limited liability partnerships we are required to report to you if, in our opinion, the members were not entitled to: prepare financial statements in accordance with the small limited liability partnerships regime. We have no exceptions to report arising from this responsibility.

Alex Marjoribanks (Senior Statutory Auditor)
for and on behalf of PricewaterhouseCoopers LLP
Chartered Accountants and Statutory Auditors
London
31 July 2025
ACCIDENT & HEALTH CLAIMS SERVICES LLP
PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31 DECEMBER 2024
- 7 -
2024
2023
Note
£
£
Turnover
315,364
315,517
Administrative expenses
(268,246)
(322,830)
Operating profit/(loss)
2
47,118
(7,313)
Interest receivable and similar income
22,879
2,609
Profit/(loss) for the financial year before members' remuneration and profit shares
69,997
(4,704)
Members' remuneration charged as an expense
4
(69,997)
4,704
Result for the financial year available for discretionary division among members
-
-

The profit and loss account has been prepared on the basis that all operations are continuing operations.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
BALANCE SHEET
AS AT 31 DECEMBER 2024
31 December 2024
- 8 -
2024
2023
Note
£
£
£
£
Fixed assets
Tangible assets
6
6,158
728
Current assets
Debtors
7
13,458
17,485
Cash at bank and in hand
809,053
740,379
822,511
757,864
Creditors: amounts falling due within one year
8
(248,551)
(248,471)
Net current assets
573,960
509,393
Total assets less current liabilities and net assets attributable to members
580,118
510,121
Represented by:
Loans and other debts due to members within one year
Members' capital classified as a liability
510,121
514,825
Other amounts
69,997
(4,704)
580,118
510,121
The financial statements were approved by the members and authorised for issue on 31 July 2025 and are signed on their behalf by:
31 July 2025
Accident & Health Underwriting Limited
Group Ark Insurance Holdings Limited
Designated member
Designated Member
Limited Liability Partnership registration number OC370491 (England and Wales)
ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
- 9 -
1
Accounting policies
Limited liability partnership information

Accident & Health Claims Services LLP is a limited liability partnership incorporated in England and Wales. The registered office is Chapel House, Thremhall Park, Start Hill, Bishop's Stortford, CM22 7WE.

 

The limited liability partnership's principal activities are disclosed in the Members' Report.

1.1
Accounting convention

These financial statements have been prepared in accordance with the Statement of Recommended Practice "Accounting by Limited Liability Partnerships" issued in December 2021, together with FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the requirements of the Companies Act 2006.

 

The LLP is considered to be a qualifying entity (for the purposes of this FRS) and has applied the exemptions available under FRS 102 in respect of the requirement to produce a Statement of Cash Flows. The entity has been consolidated into the consolidated financial statements of Ark Insurance Holdings Limited (AIHL) and AIHL has been consolidated into the consolidated financial statements of White Mountains Insurance Group Limited (WTM). The consolidated financial statements of WTM are available for public inspection on the WTM website at https://investor.whitemountains.com

The financial statements are prepared in sterling, which is the functional currency of the limited liability partnership. Monetary amounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

At the time of approving the financial statements, the members have a reasonable expectation that the limited liability partnership has adequate resources to continue in operational existence for the foreseeable future. Thus the members continue to adopt the going concern basis of accounting in preparing the financial statements.

1.2
Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

 

In accordance with FRS 102 section 23 income is recognised to the extent that the LLP has obtained the right to consideration through its performance.

 

The LLP generates income from claims handling. The LLP charges fixed fees to cover all claims for a fixed period, these fees are apportioned to the period to which they relate.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
1
Accounting policies
(Continued)
- 10 -
1.3
Tangible assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

 

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Leasehold improvements
20% on cost
Fixtures and fittings
33% on cost
Computers
20% on cost
1.4
Financial instruments

The LLP has elected to apply the provisions of Section 11 'Basic Financial Instruments' and Section 12 'Other Financial Instruments Issues' of FRS102 to all of its financial instruments.

 

Financial instruments are recognised in the LLP's balance sheet when the LLP becomes party to the contractual provisions of the instrument.

 

Financial assets and liabilities are offset, with the net amounts presented in the financial statement, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

 

Basic Financial Assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

 

Financial assets, other than those held at fair value through profit and loss, are assessed for indicators of impairment at each reporting end date. If an asset is impaired the impairment loss is recognised in profit or loss. If there is a decrease in the impairment loss, the impairment is reversed. The reversal is such that the current carrying amount does not exceed what the carrying amount would have been, had the impairment not previously been recognised. The impairment reversal is recognised in profit or loss.

 

Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire or are settled, or when the LLP transfers the financial asset and substantially all the risks and rewards of ownership to another entity, or if some significant risks and rewards of ownership are retained but control of the asset has transferred to another party that is able to sell the asset in its entirety to an unrelated third party.

 

Basic Financial Liabilities

Basic financial liabilities are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future receipts discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

 

Financial liabilities are derecognised when the LLP's contractual obligations expire or are discharged or cancelled.

1.5
Retirement benefits and post retirement payments to members

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
1
Accounting policies
(Continued)
- 11 -
1.6
Leases

Rentals payable under operating leases, including any lease incentives received, are charged to profit or loss on a straight line basis over the term of the relevant lease except where another more systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.

1.7
Foreign exchange

Transactions in currencies other than pounds sterling are recorded at the rates of exchange prevailing at the dates of the transactions. At each reporting end date, monetary assets and liabilities that are denominated in foreign currencies are retranslated at the rates prevailing on the reporting end date. Gains and losses arising on translation in the period are included in profit or loss.

1.8

Capital

Members are not required to subscribe capital to the LLP. Any subscriptions or contributions made by members are discretionary but repayment by the LLP is not discretionary. These are disclosed in the accounts as Liabilities - Loans and other debts due from members.

 

Capital profits are allocated equally between the members.

1.9

Allocation of profits and drawings

Profits and losses are allocated equally between the members.

 

Drawings will be made on a discretionary basis when profits and cash are available.

2
Operating profit/(loss)
2024
2023
Operating profit/(loss) for the year is stated after charging:
£
£
Depreciation of owned tangible assets
538
556
Loss on disposal of tangible fixed assets
437
-
Operating lease charges
31,432
28,692
The LLP does not hold the lease for the business premises from which it operates. The operating lease charges are costs recharged from a member company, Accident & Health Underwriting Limited, who hold the lease.
3
Employees

The average number of persons (excluding members) employed by the partnership during the year was:

2024
2023
Number
Number
4
4
ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
3
Employees
(Continued)
- 12 -

Their aggregate remuneration comprised:

2024
2023
£
£
Wages and salaries
140,664
191,291
Social security costs
12,885
17,054
Pension costs
2,513
3,725
156,062
212,070
4
Members' remuneration charged as an expense
2024
2023
£
£
Partners' profit/(loss) share
69,997
(4,704)
5
Administrative Expenses
2024
2023
£
£
Wages costs
156,062
212,070
Property costs
44,994
40,819
Auditors' remuneration for services to the LLP is as follows:
2024
2023
£
£
Auditors' remuneration
13,467
13,075
ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
- 13 -
6
Tangible assets
Leasehold improvements
Fixtures and fittings
Computers
Total
£
£
£
£
Cost
At 1 January 2024
-
2,584
5,158
7,742
Additions
6,406
-
-
6,406
Disposals
-
(2,584)
-
(2,584)
At 31 December 2024
6,406
-
5,158
11,564
Accumulated depreciation
At 1 January 2024
-
2,146
4,867
7,013
Depreciation charged in the year
320
-
219
539
Eliminated in respect of disposals
-
(2,146)
-
(2,146)
At 31 December 2024
320
-
5,086
5,406
Carrying amount
At 31 December 2024
6,086
-
72
6,158
At 31 December 2023
-
438
291
729
7
Debtors
2024
2023
Amounts falling due within one year:
£
£
Trade debtors
3,509
3,632
Prepayments and accrued income
9,949
13,853
13,458
17,485
8
Creditors: amounts falling due within one year
2024
2023
£
£
Trade creditors
109
88
Other creditors
32,632
35,691
Accruals and deferred income
215,810
212,692
248,551
248,471
ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
- 14 -
9
Insurer claims floats

In addition to the LLP's own assets and liabilities, the LLP also holds the following insurer claims floats which are excluded from the balance sheet:

2024
2023
£
£
Sterling claims float balance
1,377,584
1,415,363
Foreign currency claims float bank balance
2,044,218
1,909,494
Claims float bank balance
3,421,802
3,324,857
10
Loans and other debts due to members
2024
2023
£
£
Analysis of loans
Amounts falling due within one year
580,118
510,121
Members' other interests -Reserves
Loans and other debts due to/(from) members
Total
£
£
£
Balance at 1 January 2023
-
514,825
514,825
Members' remuneration charged as an expense, including employment and retirement benefit costs
-
(4,704)
(4,704)
Members' interests after loss for the year
-
510,121
510,121
Drawn by members
-
-
-
Balance due to members at 31 December 2023
-
510,121
510,121
Balance at 1 January 2024
-
510,121
510,121
Members' remuneration charged as an expense, including employment and retirement benefit costs
-
69,997
69,997
Members' interests after profit for the year
-
580,118
580,118
Drawn by members
-
-
-
Balance due to members at 31 December 2024
-
580,118
580,118
ACCIDENT & HEALTH CLAIMS SERVICES LLP
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
- 15 -
11
Related party transactions

Accident & Health Underwriting Limited is a designated member of the LLP.

 

During the year ended 31 December 2024, Accident & Health Underwriting Limited charged the LLP a total of £78,606 (2023: £69,154) for various costs.

 

As at 31 December 2024, the LLP owed Accident & Health Underwriting Limited £32,190 (2023: £34,866).

This loan is repayable on demand.

Under FRS 102 section 33.6, key management personnel are those persons having authority and responsibility for planning, directing and controlling the activities of the entity, directly or indirectly, including any director of the entity. The key management personnel relating to the LLP are remunerated by a designated member company, Accident & Health Underwriting Limited, and disclosed as such in the member's Financial Statements.

12
Ultimate controlling party

The partnership is jointly controlled by the directors of the members Accident & Health Underwriting Limited and Group Ark Insurance Holdings Limited.

 

The LLP is under the control of its ultimate parent company, White Mountains Insurance Group, Ltd, registered at A.S Cooper Building, 26 Reid Street, Hamilton HM 11, Bermuda.

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