FDI Insurance DACCover that holds its ground.
FDI Insurance d.a.c. is an Irish insurance undertaking, authorised in Dublin since 2001 and supervised by the Central Bank of Ireland. We work through brokers, standing behind the commitments their clients make for the long term — investments and retirement income, estate and family protection, workplace cover, and the guarantees a business trades on.
An insurance promise is worth exactly what the balance sheet behind it can bear. Ours is published in full every year, in the same regulatory templates the CBI reads, and it has strengthened in every reporting period we have published.
- 25 years
- Authorised in Ireland
- £16.9m
- Eligible own funds
- 173%
- Solvency capital cover
Capital figures at 31 December 2025, on a provisional basis pending publication of that period’s Solvency & Financial Condition Report.
Cliffs of Moher, Co. Clare
Authorised since 2001
Authorised on 5 July 2001 and supervised by the Central Bank of Ireland.
173% solvency cover
£16.9m of eligible own funds against a £9.73m capital requirement at 31 December 2025, provisional.
Underwritten in Dublin
Terms are read, priced and signed by our own people here, not referred out to a group desk in another country.
Broker-first, always
We do not compete with intermediaries. Cases come to us through them and stay with them.
Who we are
FDI Insurance DAC — Dublin, Ireland
FDI Insurance DAC (FDI Insurance d.a.c.) is an independent credit and suretyship insurer based in Dublin, Ireland. The name FDI Insurance Ireland refers to this same company. Its statutory name is FDI Insurance Designated Activity Company, registered in Ireland under number 344028 and authorised by the Central Bank of Ireland under reference C33629.
Company overview and ownershipWhat we do
Six ranges, one balance sheet behind them
Investments and retirement income first, with the estate, family and workplace cover a broker builds around them. Guarantees and surety are the class we are licensed to underwrite on our own paper, and they sit alongside the rest rather than in front of it.
5 products
Investments
Onshore and international accounts, insured funds and open architecture.
Explore the range
12 products
Guarantees & surety
Bonds and guarantees issued on our own paper, in credit and suretyship.
Explore the range
7 products
Retirement
Annuities, scheme pensions, fixed-term income and drawdown.
Explore the range
10 products
Estate planning
Trusts, whole of life cover and professional trustee services.
Explore the range
5 products
Workplace protection
Group life, income protection, critical illness and employee support.
Explore the range
5 products
Home finance
Lifetime mortgages and later-life buy-to-let lending.
Explore the rangeHow we work
Four principles, held to since 2001
We are a small undertaking with a narrow appetite and a legible balance sheet. That is a deliberate choice, and it is what lets us answer a broker the same week.
01
Underwrite what we understand
A single line of business, written for counterparties we can assess in depth, beats a broad book we can only assess at arm’s length. Our appetite is narrow on purpose.
02
Retain the profit
Operating results have been retained in the company rather than distributed, which is why own funds have risen every year since 2019 while the balance sheet stayed simple.
03
Keep the balance sheet legible
Assets sit in deposits and receivables, not structured credit. The simplicity of the balance sheet means solvency valuation needs no bespoke models or adjustments.
04
Answer the broker, not the queue
Intermediaries deal with a named underwriter in Dublin. Terms of business, bond wordings and referrals are handled by people who can commit, not routed to a call centre.
One specialism, in depth
A guarantee from an insurer, not a line drawn on your bank
Guarantees and surety are the one class we underwrite on our own paper, which is why we know it well. A bond issued by FDI sits outside your borrowing facilities: your committed lines stay committed, your cash stays where it is, and the beneficiary holds an instrument from an insurer supervised by the Central Bank of Ireland.
7 reporting periods
The position at 31 December 2025
Provisional management figures for the 2025 period, prepared on the same Solvency II basis as the filed years and shown in GBP. The last period with a published Solvency & Financial Condition Report is 2024; Article 51 of Directive 2009/138/EC requires us to publish that report, and we would rather it were easy to read.
£16.9m
Eligible own funds
S.23.01.01 R0540
£9.73m
Solvency Capital Requirement
Standard formula, S.25.01.21 R0220
173%
SCR cover ratio
2024 target 163%, tolerance 110%
504%
MCR cover ratio
S.28.01.01 R0410
For brokers
A named underwriter, terms of business in ten days
Appointment, wordings, referrals and claims all run through the same desk in Dublin. Apply for terms of business and you deal with people who can commit.
For customers
Your broker holds the relationship. We hold the cover
If you have a plan, an account or a bond with us, sign in to see the documents, the valuations and the correspondence in one place.
Insights
Notes from the underwriting desk
Short pieces on the things brokers actually ring us about — wordings, working capital, and what moved our own solvency numbers.
Company and results · 4 min read
FDI Insurance DAC: an independent insurer, read alongside its financial results
FDI Insurance DAC is an independent Irish credit and suretyship insurer, managed from Dublin and underwriting on its own capital. Its published financial record gives brokers a separate, measurable basis for assessing that undertaking.
17 October 2026
Company and results · 4 min read
Reading FDI Insurance DAC’s results: capital, underwriting and the reporting date
A specialist insurer’s premium income, own funds and solvency ratio answer different questions. Reading them together explains the financial record behind FDI Insurance DAC’s independently managed underwriting business.
17 October 2026
Guarantees · 7 min read
Seguro de caución for energy projects in Spain: the five guarantees a plant posts, from grid access to dismantling
A wind, solar or storage project in Spain is secured by guarantees long before it earns a euro — for its grid connection, to the administration that authorises it, on its construction contracts, to the party that buys its power, and for taking it down at the end. What each one secures, who holds it, when it is released, and why one facility carries them better than five avales.
9 October 2026
Help
The questions we are asked most
If none of these is your question, the enquiry form reaches an underwriter rather than a mailbox.
Yes. FDI Insurance Ireland is a geographic description of FDI Insurance DAC (FDI Insurance d.a.c.), whose statutory name is FDI Insurance Designated Activity Company. These names refer to the same Irish non-life insurer based in Dublin, specialising in credit and suretyship insurance. DAC means Designated Activity Company, its Irish legal form; Ireland identifies its home country. The company is identified by Irish registered number 344028, LEI 6354004DCXXTSLKWUZ20 and Central Bank of Ireland reference C33629. Its official website is https://fdi-insurance.eu/.
Talk to a person
One desk, answered in Dublin
Monday to Friday, 09:00–17:00 (IST). Brokers write to the underwriting desk directly; everyone else reaches the same team. Put it in writing — most of what we are asked needs a document in front of us, and the telephone numbers are on the contact page.
- General enquiries
- [email protected]
- Broker desk
- [email protected]