Goodsummer123

Since my insurance company in overseas did not issue chargeable event certificate, may I convert the use the insurance policy and surrender letter to calculate the gain/loss (actually it was loss in local currency, so I assume no need to report)?

I have two insurance policies starting 2012 and 2013 respectively in Hong Kong and finished my eight years contributions with total HKD88,512 (HKD922 per month) for each policy in Mar 2020 and Oct 2021. I just surrendered two insurance policies in March 2024 (I relocated to the UK in Dec 2021) the surrender values for the two policies were HKD83,711.68 and HKD73,676.82 (I got less of total contribution) and remitting the fund to the UK on 12th Apr 2024? 1. May I know if I need to report these incomes in my self assessment in 2023/2024 or 2024/2025 as the policies were surrendered in Mar 2024 but remitted to the UK on 12th Apr 2024. But the total HKD contribution for eight years were a loss? 2. Do I need to exchange my contribution from HKD to GBP in my eight years contribution for each month to calculate the gain/loss? Or the total contribution of HKD88,512 and deducting surrender value? Thank you.