As you may have noticed from the average premiums of different auto insurers, there can be a wide disparity in premium pricing. Do not rush to procure car insurance – like buying your motor, this is a considered purchase. Make an informed choice by checking the offerings of several insurers, comparing their prices, discounts, features, and reviews, then choose the one that best fits your needs and budget.
Having done his due diligence on the campaign, it wasn’t a personal connection to the disease that convinced him but rather some of the statistics around dementia. “Sadly, so many families are affected by dementia in one form or another,” he said. “What stood out to me, was that it’s probably the number one killer in the Western world, certainly in the UK where almost a million people are living with dementia right now.
Content featuring real names, likenesses, or personal opinions can create legal exposure. Brokers play a critical role in risk assessment. According to Wood: “When brokers are evaluating and mitigating potential liability risks related to the use of real names, likenesses, or personal opinions in content, they should thoroughly assess several factors. First and foremost, the content itself must be scrutinised to determine if there is a potential for defamatory issues to arise.”
Brokers are under pressure to deliver faster, tailored solutions, and AI could assist underwriting. Simon Hughes, SVP, global distribution & general manager UK at Cowbell, explained: “So the key thing is being able to use the data and make it intelligible. We gather about 1,000 different data points in every single business that we underwrite… AI tools allow us to get that data, put the answer in a tangible format, and use it to the benefit of our underwriting capability.”
“We looked at 14 pools, different pools around the world, [and] most of these pools do not bring focus to the importance of resilience,” said Golnaraghi. “In fact, most of them, because of solidarity based principles, allow people to live in high-risk zones.”
Undoubtedly, GenAI can give a competitive edge, by speeding up operations for instance. But this fast-evolving technology poses new risks to data privacy, intellectual property or sound decision making. While businesses are increasingly looking to engage with the new opportunities that AI offers, many are simultaneously grappling to understand and manage the full risk landscape that it operates within.
“Human-centric leaders are inclusive, empathetic, and driven by a purpose beyond profit, and offer their employees flexibility and an environment of psychological safety where their health and wellbeing are respected so they can perform at their best,” the report said.
The process follows a period of improved financial and operational performance at the AA, which serves more than 16 million customers, including 3.3 million individual members. Alongside roadside assistance, the AA operates in other sectors such as vehicle and home insurance, and driving instruction services through AA Driving School and BSM.
According to Stait, long-term value should drive the entire relationship – not just the renewal. “Value is added throughout the life cycle of the project, throughout the year, so claims, reviews, client meetings, all of that stuff, that’s absolutely key. And really the renewal should kind of follow that, rather than being the thing that drives the activity.”
Adam Atkins (pictured), head of technology underwriting at Hiscox UK, pointed to artificial intelligence (AI) as the key technology reshaping the landscape. “In January, the government launched the AI action plan, where they made it really clear that AI is going to be the way forward for the UK… I think that’s going to shape the technology sector, but much wider as well, because there’s going to be far more businesses now wanting the investment so that they can build AI, they can use AI, they can advise on AI,” he said.
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