Z
ZURICH
Global Brand Health Brief Demo data

Zurich Insurance — Global Brand Health in Carbon

2026 H1 brand tracker — Q1 + Q2 waves · vs. 2025 H1 (same window) · prepared for Sarah Fryer, Head of Global Brand Tracking and NPS

Global Brand Health Index
64.3
+3.8 vs prior
Healthy — fundamentals intact, one-or-two-market risks to watch
Index range: 0–100 · weighted blend of six streams
Prior BHI: 60.5
Markets: UK, US, Switzerland, Germany, Brazil, Hong Kong
Audience: Global Brand Tracking & NPS
Carbon · cross-stream agent

Germany is the entire story this half — and it isn't pricing.

Carbon's cross-stream agent connects four signals that move together: Germany NPS drops 12pp QoQ, claims-experience sentiment inverts to −0.12, preference holds flat at 14% (so this isn't a brand-equity issue), and the 'Live well' campaign delivered the same +12pp prompted-recall lift Germany has historically shown. Conclusion: brand pull is fine; post-flood claims processing is the bottleneck. The intervention is operational, not advertising spend.

Customer NPS Germany NPS −12pp QoQ (9 → −3)
Claims-experience sentiment Germany inverts to −0.12 net (was +0.14)
Brand funnel Germany preference flat (14% vs 16% prior)
Ad recall Germany +12pp prompted lift — campaign fine
What Carbon does: Surface this narrative the moment Q2 data lands, with the named evidence rows above one click away. The Head of Brand Tracking walks into the board meeting with the story already written.
Customer NPS · the commercial signal

NPS by market — Germany is the outlier the rest of the dashboard wants to hide

A simple weighted-average global NPS would land at +20, masking a 12pp Germany collapse that's already showing up in renewals. Per-market is non-negotiable.

UK
+22
vs +18 prior · n=4,120
US
+14
vs +16 prior · n=3,840
Switzerland
+41
vs +38 prior · n=2,960
Germany
-3
vs +9 prior · n=3,540
Brazil
+28
vs +23 prior · n=2,710
Hong Kong
+19
vs +17 prior · n=1,890

By line of business — Home softens, Life holds

Motor
+18
-3.0pp
Home
+9
-5.0pp
Life
+34
+3.0pp
Commercial
+27
+1.0pp

Source: Post-interaction relationship NPS (n=19,060 across markets, Q1+Q2)

Brand funnel · awareness through preference

Switzerland holds the home-market premium; UK & Brazil moving up the funnel

Preference is the rare leading-indicator that ties to renewal intent in our category. Germany preference is *flat* (not down) — important context for the NPS reading above.

UK UP
Spontaneous34% Prompted81% Consideration23% Preference11% (+2.0pp)
US DOWN
Spontaneous18% Prompted52% Consideration14% Preference6% (-1.0pp)
Switzerland UP
Spontaneous72% Prompted96% Consideration58% Preference34% (+3.0pp)
Germany DOWN
Spontaneous41% Prompted87% Consideration28% Preference14% (-2.0pp)
Brazil UP
Spontaneous29% Prompted74% Consideration21% Preference10% (+2.0pp)
Hong Kong FLAT
Spontaneous52% Prompted89% Consideration36% Preference18% (+1.0pp)

Source: BVA-equivalent monthly tracker (n=1,000 per market, 18+)

Share of voice · category context

Up 1.5pp on prior — still 4–5pp behind Allianz and AXA

Q2 commercial-lines thought leadership moved the needle. The peer gap closes faster when SOV and preference move in the same market in the same wave.

Allianz
24.3%
AXA
22.1%
Zurich
18.6%
Aviva
11.4%
Generali
10.2%
Other
13.4%

Source: Brandwatch-equivalent, insurance category, all-markets

Claims-experience sentiment · the brand killer

Germany inverts to net-negative — operational signal masquerading as a brand signal

Net sentiment of claims-context conversation, scored −1 to +1, by market. This is the stream that explains the NPS reading.

UK
+0.2
vs +0.2 prior · 14,200 mentions
US
+0.1
vs +0.1 prior · 22,900 mentions
Switzerland
+0.4
vs +0.4 prior · 3,140 mentions
Germany
-0.1
vs +0.1 prior · 18,700 mentions
Brazil
+0.2
vs +0.2 prior · 8,900 mentions
Hong Kong
+0.2
vs +0.1 prior · 2,410 mentions

Source: Brandwatch-equivalent, claims-context mentions

Campaign · 'Live well' recall lift

Double-digit prompted-recall lift in every market

Per-market pre/post wave so a marketer can defend spend by geography. Switzerland and Brazil over-performed; Germany delivered the planned lift even with NPS collapsing — proof the brand pull is intact.

Market Spont. pre → post Spont. lift Promp. pre → post Promp. lift
UK 7% → 19% +12pp 24% → 51% +27pp
US 4% → 12% +8pp 16% → 38% +22pp
Switzerland 21% → 41% +20pp 58% → 78% +20pp
Germany 12% → 24% +12pp 34% → 56% +22pp
Brazil 8% → 22% +14pp 28% → 54% +26pp
Hong Kong 14% → 28% +14pp 37% → 62% +25pp

Source: Campaign tracker (pre/post wave, n=600 per market per wave)

Digital + earned · the streams a text-only tracker misses

Davos and the sustainability-bond drove a 43% lift in business-press logo placements

Image-recognition + branded-search overlay capture the earned-side value of corporate moments that don't show up in spend reports.

Logo placements (business press, image rec.)
4,870
+42.8% vs 3,410 prior
Branded search index (Google Trends, 100 = prior)
132
+32.0% vs prior

Source: Decizion-equivalent image recognition + Google Trends branded search

Global Brand Health Index · how the 64.3 is built

Six streams, explicit weights — the score is defensible because it's transparent

NPS and claims-experience sentiment carry the heaviest weight because for insurance they're the strongest commercial predictors. Slow-moving funnel and SOV are weighted lower.

Stream Sub-score (0–100) Weight Contribution
Customer NPS 70.2 30% 21.1
Claims-experience sentiment 58.1 20% 11.6
Brand funnel 31.0 20% 6.2
Share of voice 76.5 10% 7.7
Ad recall lift 90.2 10% 9.0
Digital + earned 87.4 10% 8.7
Global Brand Health Index 100% 64.3