Highlights

	2012	2011
Gross premiums written	£1,565.8m	£1,449.2m
Net premiums earned	£1,198.6m	£1,145.0m
Profit before tax	£217.1m	£17.3m
Earnings per share	53.1p	5.5p
Total dividend per share for year	18.0p	17.0p
Net asset value per share	349.7p	323.5p
Group combined ratio	85.5%	99.5%
Return on equity	16.9%	1.7%
Investment return	3.1%	0.9%
Reserve releases	£152m	£199m