Insure Climate Justice Demands

We need a just transition and ensure energy access for all. For this to happen, those who currently hold the power must act to keep fossil fuels in the ground and support just climate solutions. We’re demanding the following:

1. An immediate phase out of the insurance of ‘all’ coal (including coking coal) and fossil fuels.

2. A stop to insurers supporting and profiting from fossil fuel extraction, and new infrastructure like roads and airports. The insurance industry must stop investing in and insuring these projects.

Transnational corporations profit from health and housing inequality in the UK, and also from coal, oil and gas extraction, mining, biofuel plantations and industrial agriculture abroad. The City of London’s financial sector all continue to bankroll and insure the corporations sucking our planet dry, harming people and nature.

Without corporate accountability and transparency we are in a race to the bottom on workers’ rights and climate, environmental and social standards.

3. Payment of climate reparations for the harms they drive around the world by insurance companies that have profited, and continue to profit, from causing climate chaos.

Climate reparations are a way to work towards guaranteeing thriving communities both in the global north and the global south.

It’s time to make climate polluters pay reparations for the care, regeneration & repair that our planet, our children and our communities deserve. It also means transforming the financial industry and corporations - bringing them under democratic accountable control - so we can ensure well-being and sustainability for all people and ecosystems.

4. We need a financial transaction Tax to pay for loss and damages caused by climate chaos and good, green jobs through a Global Green New Deal.

Especially for workers transitioning from high carbon industries and projects and those hit the hardest by climate impacts, Covid-19, and precarity.

5. The democratisation of the insurance industry to force a just transition for all.

We need to invest in win-win infrastructure solutions for communities.  For example, investing in good, green and community-owned housing can foster more equity, create retrofitting jobs, improve health, reduce energy poverty or insecurity, and reduce emissions all at once.

Public electric transport could foster more interconnected neighbourhoods and address the fact that poor and Black people are disproportionately exposed to air pollution. Repairing our connection with land and promoting sustainable, localised and healthy food can improve health, lower pollution, and foster biodiversity. Supporting and investing in low-carbon sectors, especially in health and social care, could ensure we recentre intergenerational well-being in our society and learn from Covid-19 to prioritise people over profit.

We need new rules that bring corporations and financiers into democratic control so that we can, together, prioritise care, regeneration and repair over profit and pollution.


Insurance Scorecard

Insure Our Futures Scorecard shows which insurance companies are taking action on fossil fuels and climate change. It focuses on 30 leading primary insurers and reinsurers, assessing and scoring their policies on insuring and investing in coal, oil, gas, and other aspects of climate (in)action….


AIG is a major insurance provider to fossil fuel companies, and has billions invested in the industry. AIG is the largest coal insurer outside of China, and one of the few still able and willing to underwrite new, multi-billion-dollar coal projects. The company is also…

Lloyd’s of London

Lloyd’s provides insurance and reinsurance that supports and enables some of the world’s worst fossil fuel projects including coal mines, tar sands pipelines, and new oil & gas exploration. Their business plans are incompatible with keeping climate change under 1.5°C. In total, Lloyds insures 40%…


Stop Adani

People across Australia have been fighting for 10 years to stop one of the most devastating mining projects currently being planned on the globe. The Adani coal mine, if it goes ahead, will open up the Galilee basin - one of the biggest untouched coal reserves on the planet - paving the way for at least eight more coal mines to be built. All at a time when scientists are warning we can't build any more fossil fuel infrastructure if we want to avoid catastrophic global heating.

Australia is already the world's number one exporter of coal and these mega-mines would double their current output! If that isn't enough, if built, Adani’s Carmichael mine will destroy the ancestral lands, waters and cultures of Indigenous people.

On the front line of the Adani mine standing their ground are the Wangan and Jagalingou people who have never given their free, prior, and informed consent to Adani’s mine and have said "No" to Adani five times. Adani has not only stolen their land (with the government's permission) but also bankrupted their spokesperson.

The Wangan and Jagalingou traditional custodians are joined by people from across Australia standing up to their corrupt politicians and the mining giants who own them. Together they have built the biggest climate movement in Australia's history.

In 2020 documents were leaked showing that Lloyd's of London were insuring the Adani mine. This kicked off a wave of actions targeting the individual insurance companies that make up the Lloyd's marketplace. The majority of the insurance companies involved have committed to not reinsure Adani. The fight isn’t over yet, and we will continue to demand all insurance companies rule out this dangerous project.

It’s unfortunately not just the UK insurance industry supporting Adani. Shockingly, the British Science Museum has joined forces with Adani, allowing them to sponsor their new Energy Revolution gallery! We are supporting groups across the world who are demanding the museum drops Adani.


Lloyd’s of London Insurer Probitas Exits Controversial Adani Coal Mine

Following a week of protests, Cincinnati Global’s syndicate at Lloyd’s confirmed that it will not insure the East Africa Crude Oil Pipeline, which has been the subject of international protests.

What to do when “our world needs climate action on all fronts”…?

In March, leading climate scientists delivered a “final warning” on climate change: act now. We’ve got five actions you can take with us to keep the pressure on the governments, financiers, insurers, and fossil fuel companies that are pushing us deeper into climate crisis.

Tell Probitas: Break up with Adani

Activists delivered thousands of messages from people around the world to all three of Probitas 1492’s UK offices, with the message: “Probitas, break up with Adani.” Find out how you can take action to cut of this toxic project’s insurance.

ACTION: British Science Museum’s dirty coal money

The Adani Group wants to expand its coal operations by 800%. Sadly, this is the British Science Museum’s new sponsor of the ‘Energy Revolution’ Gallery!

ACTION: #StopAdani on Social Media Pile On

Adani’s mines are supported by the UK’s finance industry – providing insurance and funding for it’s devastating coal mines in Australia, India and beyond. Can you to join us on Twitter and Facebook, to take on the institutions enabling climate breakdown?

Lloyd’s failure to implement ESG policy is driven by its CEO John Neal

“It is a serious problem that John Neal has not been well enough briefed, or is just personally sceptical, about climate science and the findings of the International Energy Agency.”

People from Across the World hold Climate Memorial at Lloyd’s of London

Today, on the eve of COP26 climate talks Coal Action Network were joined by Youth Strikers from across the world and the Pacific Climate Warriors, to set up a climate justice memorial at Lloyd’s of London HQ. The climate memorial was created to remember communities on the front lines of climate breakdown, who are being directly impacted by harmful projects and climate impacts. 

ACTION: Google Review Swarm – Stop Adani

Our guide to Google review swarming Lloyd’s of London market members to mount public pressure on them to rule out the Adani coal mine.

Lloyd’s Feeling the Pressure over Coal

As they reopened after lockdown, Lloyd’s of London and companies involved in their marketplace opened their offices to find local people demanding that they rule out insuring the West Cumbria and Adani coal mines immediately.

Brit & Hiscox will never insure Adani coal mine

Major Lloyd’s of London insurer Brit is the latest firm to rule out insurance for Adani’s controversial Carmichael coal mine project.