Aviva Plc U/Adr (AVVIY) Q1 2026 Earnings Call

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WEBVTT NOTE Transcription provided by Deepgram Request Id: 01a04246-0269-7732-a008-bf16117b1a16 Created: 2026-08-27T08:11:29.340Z Duration: 3604.56 Channels: 1 00:00:00.000 -- 00:00:01.120 I would now like to hand the conference 00:00:01.120 -- 00:00:03.999 over to Aviva's Group CEO, Amanda Blanc. 00:00:05.359 -- 00:00:07.279 Thank you very much. Good morning, everyone, and 00:00:07.279 -- 00:00:09.999 welcome to Aviva's first quarter update. 00:00:10.480 -- 00:00:12.639 Usual, I'll give a short overview and then 00:00:12.639 -- 00:00:14.080 hand over to Charlotte to give you the 00:00:14.080 -- 00:00:16.535 details before we move questions. 00:00:16.935 -- 00:00:19.815 Aviva has delivered another quarter of strong trading 00:00:19.815 -- 00:00:22.855 and profitable growth across the group, once again 00:00:22.855 -- 00:00:23.655 demonstrating 00:00:23.655 -- 00:00:25.494 the benefits of our diversified 00:00:25.494 -- 00:00:28.615 capital light model against the backdrop of global 00:00:28.615 -- 00:00:29.654 market volatility. 00:00:30.480 -- 00:00:32.640 Let me just share a few highlights. 00:00:33.120 -- 00:00:34.480 In General Insurance, 00:00:34.640 -- 00:00:36.800 premiums are up 19% 00:00:36.960 -- 00:00:39.520 with an improved combined operating ratio. 00:00:39.920 -- 00:00:42.559 This shows our ability to effectively manage through 00:00:42.559 -- 00:00:45.680 the cycle and get ahead of emerging inflationary 00:00:45.680 -- 00:00:46.239 impact. 00:00:47.625 -- 00:00:51.145 In UK General Insurance, strong premium growth has 00:00:51.145 -- 00:00:53.385 been driven by the addition of Direct Line 00:00:53.625 -- 00:00:56.985 and underlying performance in UK Personal Lines. 00:00:57.625 -- 00:00:58.665 In Canada, 00:00:58.745 -- 00:01:01.340 our new management ...