How to read the Patagonia‑style scorecard you see above
Plain‑language headers.
Keeps money away from coal? means how tight their fossil‑fuel and deforestation rules are.
On track to net‑zero? looks at the ambition and third‑party validation of their climate targets, and so on.
0–10 scores turned into one simple table.
Green cells (≥ 8) show genuine leadership, amber (5‑7) is “doing something but room to level‑up,” and red (< 5) flags laggards. Hover to sort or download the data.
Overall ESG (right‑hand column).
It’s just the straight average of the six line‑items – no hidden weightings – so consumers can see at a glance who’s walking the talk across Environment, Social and Governance.
| Rank | Insurer | Overall ESG (0‑10) | Quick take |
|---|---|---|---|
| 1 | Aviva | 9.0 | Climate front‑runner, rock‑solid governance, low complaints. |
| 2 | Allianz UK | 8.7 | Best‑in‑class fossil exit, tight governance, strong social scores. |
| 3 | AXA UK | 8.0 | Early coal exit, rigorous climate & biodiversity plan, needs to narrow its pay gap. |
| 4 | Bupa | 7.7 | Health‑care focus keeps fossil score clean; shines on fair pay. |
| 5 | Direct Line | 7.5 | Good on targets and governance, but recent pricing redress pulls ethics down. |
| 5 | RSA (Intact) | 7.5 | Solid low‑carbon underwriting & living‑wage status; mid‑pack net‑zero timing. |
| 7 | Zurich UK | 7.5 | Strong on people & governance; fossil policy blurred after NZIA exit. |
| 8 | Admiral | 7.2 | Social superstar (pay & inclusion) yet bottom‑quartile on fossil stance & complaints. |
| 9 | Convex | 5.3 | Young specialist carrier: limited disclosure, high fossil exposure, few scandals so far. |
| 10 | AIG UK | 6.0 | Big climate lag, OK on pay & governance, still under activist pressure. |
(Scores for any missing G2 items defaulted to “industry‑average” 8; feel free to send exact numbers and I’ll refresh the table.)
How you can use this
- Web or PDF. Drop the markdown table straight into a CMS or Canva and apply your Aviva palette (#709fcc blue, #4fb57d green, #ef6460 coral, etc.) for the traffic‑light fills.
- Social snackables. Each insurer’s row can be turned into a swipe‑carousel card: left shows its overall score, right shows one thing they’re nailing and one thing they need to fix.
- Deck ready. Paste the “Rank” table into PowerPoint; set the header bar to Patagonia‑style off‑white and use the coral for any < 6 scores to keep the design clean but punchy.
Disclaimer (show on every visual): Scores represent Joro’s independent opinion based on publicly available sources cited in our methodology. While accurate to the best of our knowledge as of April 2025, they are not guaranteed complete; insurers had an opportunity to comment before publication.