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Burning point: insurance and heat-driven perils

Climate change hourglass

With a series of heatwaves dominating summer 2025, Fiona Nicolson looks how insurers are changing their approach to underwriting, modelling and climate-risk planning.

Extreme-heat-related perils are a growing challenge for the insurance sector, in the UK and globally.

According to Swiss Re Group’s 2025 Sonar report, the increase in extreme-heat events, such as

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