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Regulatory returns

Solvency and Financial Condition Report

Solvency II 

Under the Solvency II regime, effective 1 January 2016, we are required to publish a Solvency and Financial Condition Report (SFCR). 

The SFCR aims to give the general public an overview of the insurance company's financial condition covering business performance, the adequacy of its risk profile and a description of its capital management. The SFCR is supported by the Quantitative Reporting Templates (QRTs) which provide numerical data as prescribed by the Prudential Regulation Authority (PRA). Some of the information in these reports is quite technical and the content is prescribed by complex regulations. 


Policyholders' Overview of Solvency 

A Policyholders’ Overview of Solvency has also been produced specifically to address the requirements of policyholders and we have done our best to make this understandable for everyone. 

This document is available to download or can be read as the introductory section to the full Single Group SFCR.
 

SFCR & QRTs 

For the year-ended 31 December 2018 the Single Group SFCR and QRTs are available for download here. For the year-ended 31 December 2019 LV= has produced a separate SFCR and QRTs for each of its regulated entities and for the LV= Group.  The SFCRs and QRTs for our separate regulated entities for the year ended 31 December 2019 are available for download below. The LV= Group SFCR and QRTs will be available for download on 15 May 2020.

Solvency II returns submitted to our regulator for 2019

  Group LVFS  LVLC LVPL TACL 
QRTs  LV= Group 2019
QRTs
(PDF, 17.1KB)		 LVFS 2019
QRTs
(PDF, 280KB)		 LVLC 2019
QRTs
(PDF, 17.0KB)		 LVPL 2019
QRTs
(PDF, 16.8KB)		 TACL 2019
QRTs
(PDF, 17.0KB)
SFCR LV= Group 2019
SFCR
(PDF, 16.6KB)
 LVFS 2019
SFCR
(PDF, 888KB)
 LVLC 2019
SFCR
(PDF, 16.1KB)		 LVPL 2019
SFCR
(PDF, 16.2KB)		 TACL 2019
SFCR
(PDF, 16.6KB)
  Group LVFS  LVLC LVPL TACL 
QRTs  LV= Group 2019
QRTs
(PDF, 17.1KB)		 LVFS 2019
QRTs
(PDF, 280KB)		 LVLC 2019
QRTs
(PDF, 17.0KB)		 LVPL 2019
QRTs
(PDF, 16.8KB)		 TACL 2019
QRTs
(PDF, 17.0KB)
SFCR LV= Group 2019
SFCR
(PDF, 16.6KB)
 LVFS 2019
SFCR
(PDF, 888KB)
 LVLC 2019
SFCR
(PDF, 16.1KB)		 LVPL 2019
SFCR
(PDF, 16.2KB)		 TACL 2019
SFCR
(PDF, 16.6KB)

Solvency II returns submitted to our regulator in previous years

Year Policyholders' overview of Solvency Single Group SFCR Single Group QRTs
2018 2018 Policyholders'
overview of Solvency
(PDF, 3.5MB)		 2018 SFCR
(PDF, 5.4MB)		 2018 QRTs
(PDF, 2.3MB)
2017
 2017 Policyholders’ 
overview of Solvency
(PDF, 2.6MB)
 2017 SFCR 
(PDF, 5.1MB)
 2017 QRTs 
(PDF, 527KB)
2016   2016 SFCR  
(PDF, 2.6MB
 2016 QRTs  
(PDF, 1.7MB)

 

Year Policyholders' overview of Solvency Single Group SFCR Single Group QRTs
2018 2018 Policyholders'
overview of Solvency
(PDF, 3.5MB)		 2018 SFCR
(PDF, 5.4MB)		 2018 QRTs
(PDF, 2.3MB)
2017
 2017 Policyholders’ 
overview of Solvency
(PDF, 2.6MB)
 2017 SFCR 
(PDF, 5.1MB)
 2017 QRTs 
(PDF, 527KB)
2016   2016 SFCR  
(PDF, 2.6MB
 2016 QRTs  
(PDF, 1.7MB)

 

Insurance returns made to our regulator* (prior to the introduction of Solvency II)

Year Liverpool Victoria Financial Services Limited (LVFS) Liverpool Victoria Life Company (LVLC)
2015 LVFS PRA return 2015 (PDF 1MB) LVLC PRA return 2015 (PDF 369KB)
2014 LVFS PRA return 2014 (PDF 933KB) LVLC PRA return 2014 (PDF 442KB)
2013 LVFS PRA return 2013 (PDF 1.59MB)
 LVLC PRA return 2013 (PDF 526KB)
2012 LVFS FSA return 2012 (PDF 626KB) LVLC FSA return 2012 (PDF 213KB)
2011 LVFS FSA return 2011 (PDF 654KB) LVLC FSA return 2011 (PDF 329KB)
Year Liverpool Victoria Financial Services Limited (LVFS) Liverpool Victoria Life Company (LVLC)
2015 LVFS PRA return 2015 (PDF 1MB) LVLC PRA return 2015 (PDF 369KB)
2014 LVFS PRA return 2014 (PDF 933KB) LVLC PRA return 2014 (PDF 442KB)
2013 LVFS PRA return 2013 (PDF 1.59MB)
 LVLC PRA return 2013 (PDF 526KB)
2012 LVFS FSA return 2012 (PDF 626KB) LVLC FSA return 2012 (PDF 213KB)
2011 LVFS FSA return 2011 (PDF 654KB) LVLC FSA return 2011 (PDF 329KB)
*The Financial Services Authority (FSA) split into two separate regulators on 1 April 2013 becoming the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).