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Pre-tax profit: £97.2 million compared to £141.4 million in 2009.Gross written premiums: £904.3 million compared to £906 million in 2009.Combined ratio: 93.6 percent compared to 87.8 percent in 2009.

Pre-tax profit: £97.2 million compared to £141.4 million in 2009.

Gross written premiums: £904.3 million compared to £906 million in 2009.

Combined ratio: 93.6 percent compared to 87.8 percent in 2009.