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29 March 2007 Manager, Company Announcements Office Insurance Australia Group Limited ABN 60 090 739 923 388 George Street Sydney NSW 2000 Telephone 02 9292 9222 iag.com.au 29 March 2007 Manager, Company Announcements Office Australian Stock Exchange Limited Level 4, Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir/Madam INSURANCE AUSTRALIA GROUP LIMITED (‘IAG’) INVESTOR PRESENTATION ON UK OPERATIONS We enclose a copy of a presentation which is being made to an investor by members of IAG’s UK management team today. Yours sincerely Glenn Revell Group Company Secretary Attachment (161pages) G:\CSCDept\CSCUser\ASX\2007\IAG\Mar\ASX Cover Letter UK Presentation.doc Business and UK Market Overview March 2007 1 Important notice The information contained in these presentations is intended to provide an overview of certain information relating to the businesses operated by Insurance Australia Group Limited (‘IAG’) in the United Kingdom and Gibraltar and the markets in which those businesses operate. It does not purport to be a complete description of these businesses. The information has been prepared in good faith by IAG. No representation or warranty, express or implied, is made as to the accuracy, adequacy or reliability of any statements, estimates or opinions or other information contained in this presentation (any of which may change without notice). To the maximum extent permitted by law, IAG, its directors, officers, employees and agents disclaim all liability and responsibility (including without limitation any liability arising from fault or negligence on the part of IAG, its directors, officers, employees and agents) for any direct or indirect loss or damage which may be suffered by any recipient through use of or reliance on anything contained in or omitted from this presentation. The information does not take into account your investment objectives, financial situation or particular needs. In making an investment decision, investors must rely on their own examination of IAG and its operation, including the merits and risks involved, and take independent professional advice in relation to the Information and any action to be taken on the basis of the Information. This presentation is not an offer for subscription, invitation, recommendation or sale with respect to the purchase or sale of any shares in any jurisdiction. The presentation does not constitute an offer to sell, or a solicitation of an offer to buy, securities in the United Sates or to any U.S. person (as defined in Regulation S under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”). Securities may not be offered or sold in the United States unless the securities have been registered under the U.S. Securities Act or an exemption from registration is available. Certain statements contained in this presentation may constitute “forward-looking statements” or statements about “future matters” for the purposes of section 728(2) of the Corporations Act 2001 (Cth) and/or “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements speak only as of the date of this presentation. The forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause IAG’s actual results, performance or achievements to differ materially from any future results, performance or achievements expressed or implied by these forward-looking statements. Neither IAG, nor any other person, gives any representation, warranty, assurance or guarantee that the occurrence of the events expressed or implied in any forward looking statements in this presentation will actually occur. In particular, such forward-looking statements are by their nature subject to significant uncertainties and contingencies, many of which are outside the control of IAG. Nothing in this document forms the basis of any contract or commitment, or constitutes investment, legal, tax or other advice. IAG is not licensed to provide financial product advice in relation to an investment in its shares and there is no cooling-off period in relation to any such investment. 2 Introduction & Agenda London AM • Market Overview John Castagno • Overview of the Businesses Neil Utley – Equity – Hastings – Advantage • Underwriting Keith Charlton • Claims Phil Anderson Colchester PM • Direct Broking Peter Connell • Branch Broking Nick Potts • Tour of the Colchester operation John Castagno 3 Equity Insurance Group 4 Business Overview - EIG Underwriting Distribution • UK’s 5th largest motor insurer and the largest • The UK’s 7th largest personal lines intermediary motorcycle insurer business (including ODIS) • The largest motor syndicate at Lloyd’s; s.218 • The largest broker in Northern Ireland • GWP of more than £550m (1,400mAUD) for 2006 • Multi-channel distribution - telesales, Internet and • 38 year track record of unbroken profitability high street branches • Upper quartile operating ratio of 92.2%* • GWP of more than £200m (509mAUD) Agricultural 3% PA 2% Road Rescue 4% Other 1% Household 8% Private car Classic 5% Roadside broker 21% Rescue 3% Commercial 13% Private car direct 9% Travel 6% Fleet 22% Private Car Motorcycles 3% 60% Motorcycles 12% Household 8% Special Risks 5 20% * Earned claims and expenses against net earned premium Business and Revenue Model - EIG Approximately 19% of the premium underwritten by s.218 is derived from the Group’s own direct and branch distribution Revenue Streams Business Owned Distribution • Broking Profits Direct Branch 12.6% of ERS Premiums 6.3% of ERS Premiums Syndicate 218 (ERS) External Brokers Motor Business 81.1% of ERS Premiums Owned Capacity Underwriting 64% • Underwriting profits • Investment Return Syndicate 1208 3rd Party Capacity (In run-off since 2002) • Profit Share (Names) 36% 6 • Management Fee Equity Red Star 7 Acquisition History Acquisitions Acquisition of 1976 Lion/Charter Motor Synd. 495 “Right to Renew” 1978 Kinloch Motor Syndicate 82 1994 Service Motor Syndicate 979 1982 Trinity Motor Syndicate 999 1995 Dominion Insurance Co. 1987 Red Star Motor Syndicate 675 1995 Lion Insurance Co. 1987 Barbican Motor Syndicate 325 1996 U F G I Insurance Co. 1990 Beacon Motor Syndicate 81 1997 East West Insurance Co. 1991 Mitre Motor Syndicate 195 2002 Crowe Motor Syndicate 963 1992 HGP Motor Syndicate 560 2006 Legal & General Ins Co - 1999 Shead Motor Syndicate 866 motor policies 8 Performance against the Market (1) 2003 - 2005 combined shows Equity with the market leading Combined Ratio 30 Market average = 99.5% RBS 25 20 Market Share% 15 Aviva R&SA Zurich 10 Co-op Allianz 5 AXA Fortis Liv Vic NFU Highway Groupama HBOS MMA HSBC Provident Brit 0 130 120 110 100 90 80 70 2003-2005 Combined Ratio % (FSA / GAAP basis) 9 Note: HBOS includes First Alternative from 2005 Performance against the Market (2) % outperformance by Equity against market Median = 15% over 25 years % 30 25 20 15 2006* 10 5 0 1980 1985 1990 1995 2000 2005 *2006 assumes a market combined ratio of 106% 10 Source: B&W Deloitte, Equity Claims Development Motor - Net Incurred loss Ratio Progression 120 100 99 97 96 04 98 80 03 02 00 95 01 94 % 60 93 40 05 20 0 1 4 7 101316192225283134374043464952 Quarter Quarter 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 11 Distribution 12 Business Model Customers Telephone and Internet Face-to-face Distribution channel Direct Marketing Affinity Transfers Branches Manufacturing Panel ERS 86% ERS 48% 52% Panel 14% 13 Note: Percentages reflect 2006 Direct Marketing Advertising: Yellow Pages Specialist press On-line banners Direct mail: Renewal dated Re-solicitation On-line aggregators 14 Key Affinity Partners Motor Manufacturers Financial Services Other 15 Growth of Branch Network 8 100 90 7 80 6 70 5 60 4 50 Profit (£m) 40 3 Number of Branches 30 2 20 1 10 0 0 2000 2001 2002 2003 2004 2005 2006 EIB ODIS No of Branches • Growth in 2003/2005 led by Bennetts and JMW acquisitions (20 and 8 branches respectively) • ODIS will significantly increase scale in 2007 • Low (and certain) acquisition cost 16 Note: Profit is Earnings Before Interest and Tax Branch Locations NORTHERN IRELAND (17 BRANCHES) BALLYMENA BELFAST (x3) (1) COLERAINE (x2) DUNGIVEN (x2) GLENGORMLEY LISBURN NORTHERN REGION (29 BRANCHES) LONDONDERRY (x2) MAGHERAFELT MOIRA ALFRETON NEWTOWNARDS (x2) (1) BELPER LURGAN (1) BIRSTALL BISHOPS STORTFORD BULWELL SOUTHERN REGION (30 BRANCHES) BURTON BURTON ON TRENT (1) BASINGSTOKE COVENTRY BRENTWOOD (2) DONCASTER (1) BOURNEMOUTH GRANTHAM BRIGHTON GRIMSBY BRISTOL HEANOR (1) CAMBERLEY HINKLEY CHANDLERS FORD (1) KING’S LYNN CHELTENHAM LEDBURY CIRENCESTER (1) MALVERN CRAWLEY MARKET HARBOROUGH EXETER MELTON FAREHAM MEXBOROUGH FRESHWATER MICKLEOVER FROME NEWARK NEWBURY NEWCASTLE POOLE OAKHAM PORTSMOUTH RETFORD PULBOROUGH RUGELEY RYDE STONE (1) SALISBURY SUTTON SHAFTESBURY SWAFFHAM SOUTHAMPTON WIGSTON STROUD SUTTON SWINDON (1) Includes Commercial WESTON (2) Commercial only WINDSOR WORKINGHAM WORTHING YEOVIL (1) 17 2006 Highlights Direct Broking • Launch of new schemes for first direct, Renault and Alliance & Leicester • Development of new online quote and buy sites for Ryanair, first direct, Alliance & Leicester, Skipton Building Society and insure.co.uk • Inclusion of insure.co.uk on confused.com aggregator • Relocation of Contact Centre to Colchester • New business volumes in December exceeded forecast, original budget and highest since March 2005. January 2007 184% up on 2006 Branch Network • 21 acquisitions (11 branches; 10 infills) with estimated annualised GWP of £17.8m and 36.9k
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