Global insurance tax contentInteractive global coverage map showing examples of insurance taxes maintained in XATIA Insights. All examples remain visible while the highlighted marker rotates automatically. Select a marker to pause the sequence; select it again to resume.
One trusted source. Every insurance tax. Everywhere.200+ territories Always current Expert verified
🇬🇧United KingdomIllustrative policy · general rateContent live
Insurance premium tax Source linked
Standard IPT rate12%
Confirm the policy facts and applicable exceptions before using the standard rate.
Finance Act 1994Finance Act 1994 · open source context→
£ Premium£25,000
× 12%
IPT amount£3,000
Illustrative XATIA Insights interface
Inside XATIA Insights
Find Global Insurance Taxes, rules and supporting legislation.
Search by jurisdiction and class of business to access maintained IPT rates, exemptions, calculation rules, filing information and source linked guidance.
XATIA Insights turns a location and insurance class into source-linked tax guidance: select United Kingdom, synchronise the content, find the 12% Cyber rate, review its evidence and calculate £120 of IPT on a £1,000 premium.
01 / 05Start with the location
Select United Kingdom
Choose the market once; Insights brings the relevant tax content into view.
02 / 05Keep guidance current
Content ready
Location specific content is synchronised before you use it.
03 / 05Narrow the answer
Find the applicable rate
Filter United Kingdom IPT guidance by the policy's insurance class.
04 / 05See why it applies
Trace the evidence
The answer stays connected to its underlying legislation and expert context.
05 / 05Move from guidance to action
Calculate with confidence
Turn the selected rate into a clear, reviewable indicative result.
The answer stays connected to its underlying legislation and expert context.
Primary sourceFinance Act 1994Source linked
Finance Act 1994 · Cyber insurance classification and applicable UK insurance premium tax rate.
United KingdomReviewed contentOpen source context ↗
05 / 05Move from guidance to action
Calculate with confidence
Turn the selected rate into a clear, reviewable indicative result.
Indicative calculationCyber · United Kingdom Complete
£ Premium£1,000×IPT rate12%=IPT amount£120
Source-linked result · confirm policy facts before use
HOW HORIZON WORKS
XATIAHorizon
Multiple AI models. One structured research workflow.
Horizon is Xatia's internal research and validation platform for maintaining our tax content. It helps investigate potential tax changes, corroborate evidence and validate IPT content before it is delivered through the customer tools you use.
AI assisted research and human specialist review, organised into one workflow.
16,000+Total tax data pointsFor Horizon to monitor
3,800+Total weekly Horizon scansAcross all Xatia content
5,000+Total sourcesSupporting Horizon updates
Horizon takes the United Kingdom IPT example from source monitoring through parallel research, corroborated evidence and finding preparation to specialist assessment.
Horizon workflow01 / 05
Potential development
United Kingdom · IPTOfficial source monitoring
Monitoring
Official publicationsTax authoritiesMarket sources
Parallel research outputsLegislation · Market practice · Related developments
03 / 05Evidence filtering
Corroborate
Sources are linked while duplicate, known, irrelevant and unsupported findings are filtered out.
Evidence summaryUnited Kingdom · IPT
3 research checks completed2 supporting sources linked1 potential finding
Duplicates, known and unsupported results filtered
04 / 05Finding assembly
Prepare
The proposed change, status, relevant dates, potential impact and supporting evidence are assembled into one finding.
Example findingPotential United Kingdom IPT rate change
Proposed changeRelevant datesPotential impact
Evidence and source links attached
05 / 05Specialist decision
Review and act
A specialist can confirm, reject or continue monitoring the finding before any resulting alert or content update.
Human review boundarySpecialist decisionReady for specialist assessment
Confirm, reject or continue monitoring before any alert or content update.
ConfirmRejectMonitor
Horizon, beyond IPT
IPT is the first focus, not the boundary.
IPT is Horizon's first application. With the right sources, prompts, checkpoints and expert ownership, its multi model research pattern could also be configured for wider research and change monitoring use cases.
Beyond IPT
One research pattern. Different applications.
Discover
Compare
Apply
Review
Illustrative use case
Regulatory & policy change
Could surface potential developments across selected regulation, guidance and consultations for expert assessment.
Illustrative use case
Market intelligence
Could bring signals from selected public sources into a repeatable research brief and review workflow.
Illustrative use case
Broader tax application
Could be used to focus on other tax updates beyond IPT, such as VAT/sales taxes, Corporate Income Tax and employment taxes.
Illustrative use case
Enterprise knowledge
Could coordinate focused research across selected internal and external material, with checkpoints before findings are shared.
Latest intelligence
Global Insurance Tax developments worth knowing.
Timely updates on rate changes, legislation and operational developments across global insurance tax markets.
The Ontario Superior Court has held that premiums payable to insurance corporations for surety bonds fall within Ontario’s existing 3% insurer-level Insurance Premium Tax.
Read the full update
In Aviva Insurance Company of Canada v Minister of Finance, the Court rejected Aviva’s argument that surety bonds were not “contracts of insurance” for these purposes.
The ruling concerns the insurer-level IPT and does not change Ontario’s separate Retail Sales Tax exemption for surety.
HMRC has withdrawn its previous administrative treatment allowing buildings and contents risks relating to UK-based embassies to be treated as located outside the United Kingdom.
Read the full update
Under revised Notice IPT1, published on 31 July 2026, these risks are now treated as UK-located and liable to Insurance Premium Tax from 1 August 2026.
Contracts entered into before 1 August 2026 retain their existing IPT treatment until renewal. Contracts entered into or renewed from 1 August 2026 should follow the new HMRC position.
The French Government has confirmed that the FGTI contribution will rise from €6.50 to €8.50 per contract for premiums falling due from 1 January 2027.
Read the full update
The increase was formalised by a publication in the Journal officiel on 30 July 2026.
This follows the previously confirmed change extending the contribution to general civil liability insurance from 1 January 2027.
Insurers and intermediaries should now plan the required rating, policy administration and compliance updates ahead of the effective date. Xatia’s French insurance tax content and products have been updated accordingly.
Find maintained market content and supporting citations, then use Horizon to investigate potential changes and corroborate the evidence.
02
XATIA Lync + XATIA Calc
Determine and calculate
Bring tax decisions into the transaction through an API or a dedicated calculation interface.
03
XATIA Comply
Validate the outcome
Carry structured outputs into review and downstream compliance workflows.
Why Xatia
Technology shaped by experts who know Global Insurance Taxes.
Xatia combines Insurance Premium Tax expertise with proven tax technology, product and software engineering experience. The result is technology designed around the rules, data and operational decisions that insurance businesses actually face.
Insurance native
Products shaped by experts with direct experience of insurance tax data, decisions and review points.
Source backed
Keep relevant citations, effective dates and applied rules close to the answer.
AI assisted, SME controlled
Apply AI with practical tax and product judgement while specialists remain in the loop.
Built to grow
Start in the interface, then connect through APIs as more of your operating model moves onto Xatia.
ISO Certified
ISO/IEC 27001:2022
Xatia Limited's information security management system is certified by British Assessment Bureau Limited t/a Amtivo.
Experience across insurance tax, technology and product.
The team brings together senior IPT leadership, tax technology founders and builders, global engineering experience and AI led product innovation.
Insurance & IPTLloyd's, KPMG and senior insurance tax leadership
Tax technologyExperience founding and building Impendulo through its acquisition by Avalara
Product & engineeringEY, BDO Innovation and globally distributed technology teams
Forthcoming industry brief
The insurance tax operating problem.
A long-form guide for insurers and insurance intermediaries examining why global IPT remains difficult to determine, calculate and control across changing rules, fragmented data, systems and teams.
Where IPT decisions break down across the insurance lifecycle
How changing rates, complex rules and manual workarounds create cost, delay and tax risk
What a connected insurance tax operating model can enable
Industry briefInsurance tax: the hidden operational burden
Start a conversation
See what Xatia could do for your team.
See how Xatia can improve your insurance premium tax processes. Tell us where insurance tax creates friction today. We’ll show you the live products, explore your workflow and focus the conversation on what matters to your team.
01
A focused introduction to Insights, Lync and the wider roadmap.
02
A practical conversation about your markets, systems and priorities.
