Investor Presentaiton

21 24 0% Jan-22 Feb-22 5% Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Rate Change Inflation Note: 6 month rolling inflation with home excluding fire losses Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 25% 20% Premium increases driven by inflation, perils and reinsurance DIA Home inflation (non-perils) & premium increases Pricing includes higher perils 15% Increasing natural perils and reinsurance costs and reinsurance costs 20% 3,400 Perils above/(below) allowance (RHS) 10% 19% Gross perils allowance (RHS) 2,900 5% 18% Gross RI costs (RHS) Gross RI & perils allowance/GEP (LHS) 0% 17% 2,400 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 16% 1,900 Rate Change 15% Inflation 1,400 14% DIA Motor claims inflation & premium increases 20% 13% 900 12% 15% 400 11% Pricing includes higher perils 10% and reinsurance costs 10% -100 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24e iag

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