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Ian Penfold

MMATH FIA
Consultant
London, UK

Ian Penfold is a consultant in Milliman’s London office.

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Experience

Ian has significant reserving experience across a number of personal, commercial, and specialist lines of business, with particular interest in casualty and motor. Ian has experience with a diversified range of clientele, including specialty insurers and Lloyds syndicates. Ian joined Milliman’s London P&C team in September 2011.

Publications

Read their latest work

Article

UK motor insurance profitability: Analysing 2024 market financial results

24 September 2025 - by Charlotte Halkett, Ian Penfold, Paige Yallop
We analyse the performance of the UK motor market and share insights on market issues.
Article

The role of MGAs in the UK insurance market

10 September 2025 - by Charlotte Halkett, Ian Penfold, Charlotte Ball
What are Managing General Agents, and why would you want to partner with one?
Article

Extreme weather in Europe in 2024

22 May 2025 - by Anandi Shah, Arije Amara, Niccolò Basetti Sani Vettori, Mohamed Benkhalfa, Diana Dodu, Lucian Franzky, Ankush Hingorani, Ian Penfold, Francesco Pugassi, Antoine Rainaud, José Silveiro, Francesca Tiozzo, Menno van Wijk, Laura Witting, Victoria Zach
Why 2024 was the “Year of the Flood”—and what insurers can do now to manage climate-related financial risks.
Article

Analysing 2023 Solvency and Financial Condition Reports (SFCR) of non-life insurers in Europe and the UK

10 October 2024 - by Veekash Badal, Ian Penfold, Vidyut Vardhan
European non-life insurers for 2023 reported 6% higher gross written premiums, among other developments, according to our year-end analysis.
Article

メタバースとは何か、また保険業界の変換にどのように活用できるか?

24 July 2024 - by Claire Booth, Ian Penfold, Monique Mahabir
本稿では、保険会社によるメタバースの活用法、そしてこの新しい仮想世界を保険業界に取り入れる際の課題とリスクについて考察します。
Article

Analysing 2023 Solvency and Financial Condition Reports (SFCR) of non-life insurers in the UK and Gibraltar

18 July 2024 - by Derek Newton, Ian Penfold
For non-life insurers in the UK, motor vehicle liability and assistance lines helped drive operating margins down to -0.6% in 2023, from 0.4% in 2022.
Article

Extreme weather in Europe 2023

09 April 2024 - by Anandi Shah, Mohamed Benkhalfa, Ian Penfold, Francesco Pugassi, Menno van Wijk, Niccolò Basetti Sani Vettori, Antoine Rainaud, José Silveiro, Diana Dodu, Valerie Lampert, Laura Witting, Monika Lis, Arije Amara
Analysing the impact of droughts, floods, and other 2023 extreme weather events in Europe to help insurers manage the risks posed by climate change.
Article

Analysis of non-life insurers' Solvency and Financial Condition Reports: European non-life insurers year-end 2022

19 September 2023 - by Derek Newton, Ian Penfold, Vidyut Vardhan
Our analysis of European non-life insurers, based on SFCRs for year-end 2022 reporting, reveals that performance varied across countries and lines of business.
Article

Driving for profit（利益追求に向けた運転）：2022年の英国自動車保険市場

05 September 2023 - by Derek Newton, Ian Penfold, Joshua Flack, Paige Yallop
英国の自動車保険会社39社のソルベンシーII報告データによると、2022年の保険料および保険金コストは、若干上昇しました。
Article

英国およびジブラルタの損害保険会社のソルベンシーおよび財務状況報告書の分析：2022年末

19 July 2023 - by Derek Newton, Ian Penfold, Vidyut Vardhan
英国では2022年に高インフレ環境に突入したため、損害保険会社総営業利益率は前年の2.1%から低下して0.6%になりました。