Opinion
AI could kill the insurance renewal habit
Editor’s View: With more than 70% of consumers expecting artificial intelligence to influence their insurance purchases within the next year, Emma Ann Hughes predicts renewals face their biggest disruption right now since the demise of the Yellow Pages.
Fair value rules still fail brokers and consumers alike
Four-and-a-half years after the Financial Conduct Authority’s fair value rules arrived, Branko Bjelobaba, principal of compliance consultancy Branko Ltd, argues inconsistent data and vague metrics still make it difficult for brokers and consumers to…
Pride exposes prejudice LGBTQ+ individuals face in insurance
Editor’s View: LGBTQ+ network Link’s latest survey shows many insurance professionals still feel pressure to hide parts of themselves at work, which Emma Ann Hughes argues highlights the need for insurers to move beyond Pride branding and ‘pinkwashing’…
Climate change puts brokers centre stage
With floods, heatwaves and subsidence rewriting the rules of risk, Caroline Elliott-Grey, senior product manager for UK and Ireland at LexisNexis Risk Solutions, argues brokers who harness property-level insights can build trust, protect clients and…
Could the Gallagher and PIB deal be back on?
Deputy Editor’s View: Whispers at the British Insurance Brokers' Association conference earlier this month suggest Gallagher could be willing to buy PIB again, less than a year after plug was pulled on a deal and the latter refinanced.
Why property insurance should lead the charge on sustainability
Conall Bolton, senior product consultant at technology and data analytics company Cotality, explains how incorporating carbon impact into claims can turn moments of loss into long-term impact.
Pet insurance risks a Consumer Duty reckoning
As pandemic-era pets age and claims costs increase, James Daley, founder and managing director of Fairer Finance, warns many owners are set to discover their policies offer far less protection than they expected.
Why insurers need to talk about garden design
Editor’s View: Following a visit to Chelsea Flower Show to admire Flood Re’s Contain the Rain garden, Emma Ann Hughes reflects on why insurers need to talk more about gardens, drainage and flood resilience.
Are first edition children’s books an insurance risk?
Emma Myrie, lead underwriter at specialist home insurer Homeprotect, warns that valuable children’s book collections are an often-overlooked contents risk that could leave policyholders underinsured.
Distribution flexibility isn’t optional in a soft market
As pricing power fades in a soft market, Simon Pritchard, managing director of insurtech IS2, argues insurers and MGAs must embrace flexible, API-led distribution to unlock growth and reach underserved commercial customers.
How the war with Iran will rip through insurers’ balance sheets
Editor’s View: From soaring claims inflation and disrupted supply chains to cyber threats, travel chaos and potential power outages, Emma Ann Hughes outlines how the Iran conflict could reshape underwriting, pricing and profitability for years to come.
Companies House breach tests fraud and insurance cover
Paul Wainwright, member of the fraud sector focus team at the Forum of Insurance Lawyers and partner at law firm Browne Jacobson, examines how a security flaw at Companies House could expose directors and insurers to complex, overlapping risks.
How insurance can counter the rise in AI-enabled fraud
Trade Voice: Lauren France, member of the Forum of Insurance Lawyers and counter fraud director at DWF on how the industry can work to counter AI-enabled fraud.
ERS warns motor pricing discipline must return
Declan O’Mahony, head of claims at ERS, warns motor claims inflation is back driven by energy costs, supply chain disruption and repair pressures, so insurers must restore pricing discipline now to avoid sustained underwriting losses.
Allianz’s Wyard on motor insurance shifting from drivers to tech risk
Alexandra Wyard, director of technical underwriting at Allianz UK, says autonomous vehicles will reshape liability, data and product design rather than make motor insurers obsolete.
HDI’s Reynolds on fleet risk of safer vehicles but costlier claims
Michael Reynolds, director of motor for HDI Global, UK and Ireland, on how his focus is moving from preventing accidents to managing increasingly complex and expensive repairs.
Admiral insists collaboration key to future-proofing motor repairs
Scott McCammon, Admiral’s head of motor repair, outlines how collaboration across insurers, garages, manufacturers and suppliers is essential to streamline repairs, reduce claims costs, and prepare the UK motor industry for the shift to electric vehicles.
Confused’s Jones on why data is vital as car insurance market hardens
Rhydian Jones, motoring expert at Confused.com, says early signs of the motor insurance market hardening are emerging as a result of increasing claims costs from electric vehicles, and ADAS makes data more vital to providers than ever.
ABI’s Bose on motor insurance reset as autonomous cars arrive
Chris Bose, director of general insurance at the Association of British Insurers, explains how autonomy shifts underwriting to technology performance, reshapes liability through data access, and introduces new cyber and systemic risks.
Axa’s Keane on how motor insurance is evolving for a new era
Andy Keane, technical head of commercial motor at Axa Insurance UK, explains how providers are adapting to electric vehicles, digital innovation and regulatory change to deliver more sustainable and customer-focused outcomes.
Telematics must move from pricing risk to preventing it
Liam Parker, telematics and first notification of loss manager at Winn Group, explores how insurers can move beyond pricing to use telematics and behavioural data to prevent collisions, improve claims outcomes, and foster safer driving.