Financial planning We acknowledge that there are risks posed by climate change that could potentially have impacts on revenue and costs, and we intend to integrate further climate- related considerations into our financial planning processes from 2021 onwards. As an underwriter, we actively measure climate-related risk through climate risk modelling due to the nature of the Group’s products (see page 25). We recognise our prices, products and operations will evolve as climate change influences manifest themselves through changing loss patterns.