There are two separate moments (AI Overviews & Insurance)at which a modern consumer loses meaningful visibility into their insurance decisions, and most people only know about one of them. The first is the obvious one — the black-box moment when an algorithm sets your premium, denies your claim, or flags your application for reasons that…
Somewhere between your last road trip and your next insurance renewal, a file was updated. You didn’t update it. You didn’t authorise it, at least not in any way that felt like a meaningful decision. A data broker — one whose name you have probably never heard — received information from a connected system, processed…
Something fundamental has shifted in the insurance industry, and it didn’t happen all at once. It happened through a thousand small integrations — a credit score added to a pricing formula here, a machine learning model deployed in a claims department there, a telematics app offered at renewal, a checkout toggle appearing on a flight…
Magnifica Humanitas – Something happened this week that most technology publications missed entirely, or buried beneath the more immediately lucrative conversation about quarterly earnings and model benchmarks. On May 25, 2026, Pope Leo XIV released Magnifica Humanitas — his first encyclical, formally titled On Safeguarding the Human Person in the Time of Artificial Intelligence —…
There’s a phrase that keeps appearing in insurance industry presentations and regulatory filings, and it deserves more scrutiny than it typically gets: “data-driven decision-making.” When an insurer says its pricing is data-driven, the implicit promise is objectivity — that a model built on numbers is, by definition, free from the kind of human prejudice that…
Most people don’t buy insurance. Insurance gets attached to things they’re already buying — and that distinction is becoming one of the most consequential shifts in the entire financial services industry. The travel coverage that appears on the last screen before you confirm your flight booking, the device protection that slides into your shopping cart…
There’s a decent chance your car knows more about you than your doctor does. It knows where you go at 11pm on a Tuesday, how hard you brake on the school run, whether you accelerated too quickly leaving the gym car park, and how often you drive past that particular stretch of motorway after midnight….
Remote work has gone from emergency measure to permanent fixture, and most businesses have made peace with that shift. The ergonomic chairs are bought, the VPN subscriptions are paid, and the Slack channels have replaced the coffee machine. What hasn’t kept pace, for a lot of organisations, is the insurance coverage sitting underneath all of…
Most people don’t spend much time thinking about how their insurance premium gets calculated. You fill out a form, wait a few days, and a number appears. Maybe you shop around and find something cheaper, or maybe you just pay it and move on. But the process behind that number — who or what decided…
