Signs of irrationality are appearing in a “deeply softening” market and it’s hard to see how current trends in the most impacted sectors can continue, according to experts from Finity.

A free webinar (video below) was held on Wednesday to take participants through key findings from this year’s INFORM report, which was presented to attendees at our Outlook 2026 conference last month.

The report, available on request, presents up-to-date and line-by-line statistics from Finity on rates, capacity and profitability, and also includes features on the rationality of the market, cyber and psychological claims. The industry view is provided by Insurance News’ team of journalists.

The webinar, hosted by Insurance News MD Andrew Silcox, featured Finity principals Susie Amos and Pravesh Ponna, and Insurance News editor-in-chief John Deex.

Discussing the rationality of the market, Ms Amos says conditions are “getting a fair bit of airtime” at the moment.

“I think in some of the segments we are seeing such steep rate reductions that some of us think, how on earth can we see some of these rate reductions continuing? We look at when the market hardened and, yes, there were significant rate rises, but we were addressing a number of issues around profitability and other challenges, and inflation that has come through.

“But we’re now seeing such an abundance of capital and such a desire for growth that there certainly appears to be, at a high level, some irrationality, and some significant reductions coming through across the market.”