Insurance Australia Group

Insurance Australia Group is tracked as an ASX-listed Australian general-insurance non-operating holding company with direct and intermediated businesses in Australia and New Zealand, headquartered in Australia. IAG adds a focused Australia/New Zealand general-insurance group with direct and broker channels, weather-event and reinsurance context, and unusually clear regulator-supported separation between the listed holding company, licensed insurers, and consumer brands.

Business And Entity Overview

IAG's strongest stable surface is the issuer's ASX-filed FY2025 result and presentation, supported by two live APRA registers, the ASX listing page, and an official IAG profile/brand map. Every accepted URL returned HTTP 200, and the APRA split between the listed NOHC and licensed operating insurers materially improves entity clarity. The profile is bounded to Insurance Australia Group Limited and the consolidated or parent scope identified by each source. It does not transfer group figures automatically to every licensed insurer, branch, brand, or other subsidiary.

Source-Reviewed Evidence

• IAG FY25 Results (FY2025, year ended 2025-06-30; released 2025-08-13). GWP was A$17,106 million, insurance profit A$1,743 million, reported insurance margin 17.5%, and profit attributable to shareholders A$1,359 million. CET1 capital was A$3,939 million, or 1.47 times the prescribed capital amount. Scope: IAG consolidated group and disclosed divisions. Caution: HTTP 200 on the ASX announcement host. Preserve AUD, FY2025, statutory/non-statutory labels, attribution, and consolidated/divisional scope; transaction expectations are excluded.
• FY25 Financial Results presentation (FY2025, year ended 2025-06-30). Supports the FY2025 financial summary, A$10.2 billion claims paid, Australia/NZ segment measures, reinsurance context, and the capital ratio; acquisition/alliance figures are expressly forward-looking and conditional. Scope: IAG consolidated plus Retail Insurance Australia, New Zealand Retail, Intermediated Insurance Australia, and New Zealand Intermediated. Caution: HTTP 200 on the ASX announcement host. Do not present targets, alliances, proposed transactions, or expected synergies as completed historical results.
• About IAG and brands (Current corporate profile reviewed 2026-07-11). States approximately A$17 billion annual GWP and 12,000 trans-Tasman employees, and maps direct brands including NRMA Insurance and AMI separately from intermediated brands including CGU and NZI. Scope: IAG group, Australia/New Zealand footprint, direct and intermediated brand portfolio. Caution: HTTP 200. This is an official corporate careers path; use audited FY2025 reporting for exact financial claims and keep brands distinct from legal underwriting entities.
• List of non-operating holding companies (Current register reviewed 2026-07-11). Lists Insurance Australia Group Limited as an authorised non-operating holding company. Scope: Insurance Australia Group Limited parent. Caution: HTTP 200. This supports regulatory/entity type, not operating-insurer authorisation or a financial-strength conclusion.
• List of general insurers (Current register; page updated through 2026-05-21 on review). Lists Insurance Australia Limited and Insurance Manufacturers of Australia Pty Limited among authorised general insurers; historical CGU Insurance Limited appears in the revoked section with its 2017 revocation date. Scope: Australian licensed operating insurers. Caution: HTTP 200. Use current register placement and dates carefully; do not infer that a brand name is itself the current licensed underwriter.
• IAG company/listing page (Current listing support reviewed 2026-07-11). Supports the listed-parent identity and exchange code. Scope: Insurance Australia Group Limited, ASX code IAG. Caution: HTTP 200. current security price, market capitalisation, valuation, ranking, recommendation, and performance data are excluded.

Entity Boundary

Treat Insurance Australia Group Limited as the listed parent and consolidated group. Keep Insurance Australia Limited and other licensed underwriting entities, retail brands such as NRMA Insurance and AMI, intermediated brands such as CGU and NZI, and partner/distribution arrangements mapped to their own legal or commercial scopes. Insurance Australia Group Limited is the listed parent and authorised NOHC, not the underwriting entity behind every brand. Do not equate IAG, Insurance Australia Limited, Insurance Manufacturers of Australia, NRMA Insurance, AMI, CGU, or NZI. Preserve Australia/New Zealand, direct/intermediated, and statutory/non-statutory scopes. Announced RACQ/RAC arrangements and synergies in FY2025 materials were conditional and are not historical FY2025 results.

Lines And Geographic Context

The reviewed source pack supports connections to Property and Casualty, Reinsurance. Australia is the home-jurisdiction reference; other geographies require their own segment or legal-entity support.

Why This Profile Exists

Keeping the 6 reviewed source cards together gives readers a stable route from corporate identity to periodic reporting, capital or regulatory context, and public listing or profile evidence. The profile does not present a score, comparison table, or commercial recommendation.

Reader Note

This profile is source-led reference material. Periodic figures retain the source's metric label, unit, reporting period, and entity scope. Ratings, regulatory measures, listing records, and issuer-defined measures are contextual evidence, not standalone judgments about financial strength, suitability, security value, product choice, pricing, or available insurance capacity.