Better Health for All

Sabre Insurance Group's core business of motor insurance has no direct positive or negative health impact. The company demonstrates excellent mental health programs for its employees and their families, providing 2 Mental Health First Aiders and 9 Mental Health Champions for its 161 employees.

It offers an Employee Assistance Programme with 24/7 telephone support and up to six counselling sessions per year, along with access to apps like Sanvello, Headspace, Talkspace, and BurnAlong. The company also runs a Well-being Advocate Network for peer-to-peer support and provides workshops covering mental health aspects of menopause and men's health. Other health-related KPIs are not applicable as the company does not operate in the healthcare sector, produce health-related products, or engage in public health initiatives.

Fair Money & Economic Opportunity

Sabre Insurance Group plc reinvested £26.9k in community initiatives through donations in 2024

, representing 0.0553% of its 2024 pre-tax profit of £48.6m. The company generates less than 2% of its insurance revenue from instalment interest , and states that margins on ancillary products are modest compared to market norms and in line with core products , indicating no revenue from high-cost or exploitative financial products. The company does not provide debt products to consumers , making the debt burden ratio not applicable.

Fair Pay & Worker Respect

Sabre Insurance Group plc pays the Real Living Wage as a minimum to all employees, and 46% of employees participated in a Save As You Earn (SAYE) grant as of December 31, 2024

, with other employee share plans also in place. The company's voluntary employee turnover rate was 7.6% in 2023. The CEO to median employee pay ratio for 2024 was 43.8:1. Furthermore, no labor-law or human-rights incidents were reported.

Fair Trade & Ethical Sourcing

The company is an insurer and does not procure or trade physical commodities, making KPIs such as fair_trade_cert_share, traceability_coverage, and materials_risk_index not applicable.

For other KPIs, while the company has policies and commitments, specific quantitative data points required by the rubric are not explicitly provided. For instance, there is no specific frequency for ethical sourcing audits, no three-year count of forced/child labour incidents (only one year of zero incidents is reported ), no percentage of supplier contracts with enforceable ethical clauses, and no data on remediation speed for supplier violations or the percentage of procurement budget directed to diverse suppliers.

Honest & Fair Business

The company has a comprehensive whistleblower policy, including a dedicated, anonymous hotline hosted by a third-party vendor

, an internal champion , and annual training for all employees . It also has a non-retaliation policy , and reporters can check for feedback within 5-6 business days . The company has an Anti-Bribery and Corruption Policy, which is reviewed and approved annually by the Risk Committee and includes compulsory annual e-training for all employees , as well as a requirement for suppliers to refrain from bribery and corruption . No financial restatements due to errors or misreporting were identified; the only mentioned restatement was a mandatory adjustment under IFRS 17 .

Planet-Friendly Business

Sabre's total Scope 1, 2, and 3 greenhouse gas emissions (excluding insured emissions) were 12,946 tCO2e in 2024, representing a 38.64% reduction from 21,099 tCO2e in 2023.

The company has committed to setting science-based targets, with some targets for purchased goods and services aligned with SBTi minimum standards, but its overall targets are not yet fully validated. Sabre aims to achieve net-zero emissions across all scopes by 2050 , with an interim goal of operational carbon neutrality for Scope 1 and 2 by 2030. The company has fully transferred its office estate to a renewable energy supplier. Sabre's inaugural sustainability report is aligned with TCFD recommendations , and it quantifies and stresses climate risks under several scenarios (SSP1, SSP2, SSP5) for investments and insurance liabilities.

Respect for Cultures & Communities

As a UK motor insurer, Sabre Insurance Group plc's business model means that many aspects of "Respect for Cultures & Communities" are not directly applicable. The company does not have formal partnerships with indigenous or local community groups. In 2024, Sabre donated £26.9k to charitable organizations, representing approximately 0.011% of its £236.4m gross written premium, with donations directed to general charities rather than cultural heritage organizations.

Free, Prior and Informed Consent (FPIC) processes are not applicable to its operations. The company's Charity and Social Committee is run by employees, with no specific community representation on governance bodies. All employees complete compulsory annual diversity and inclusiveness training.

Safe & Smart Tech

Sabre Insurance Group retains personal data for fifty years in most cases, which is an exceptionally long retention period.

The company invested 2.88% of its 2024 Gross Written Premium in IT expenses, which includes cybersecurity. It provides comprehensive security awareness training to all employees at least annually, including a marked assessment to ensure understanding. Multi-factor authentication (MFA) has been deployed for account access. The company reports no documented incidents of unauthorized data use and states compliance with the Data Protection Act, GDPR, FCA, and PRA. Users are granted standard data protection rights, including access, rectification, and erasure.

Zero Waste & Sustainable Products

The company has implemented over 10 waste reduction initiatives, including investigating solutions with landlords, regularly reviewing procedures in six main facilities, providing environmental awareness training, and launching seven regional sustainability groups in 2024.

Specific initiatives include trash segregation, recycling, composting, reusable kitchen supplies, and a policy to ensure all waste is recycled. The Krakow office organized an electronic waste collection drive to divert hazardous materials from landfill. The company aims to ensure that at least 50% of its offices have at least two waste streams (general waste and recycling) by 2026. Furthermore, it requires suppliers to have a written environmental policy that addresses waste management.