Gard renewal

For the 17th consecutive year, Gard is rewarding members with a return of capital. Members renewing their P&I cover for the 2026 policy year will receive an owners' general discount of 10 per cent. Furthermore, the board of directors decided that a 5 per cent increase will apply to mutual P&I to meet the development in claims. Gard's positive half-year results for 2025 reflect the group's resilience in a challenging claims environment, it said. The discount is calculated as a percentage of the agreed "estimated total call", the total premium required for the upcoming policy year.