Analysis
Group risk: A group safety net
With state benefits set at low levels, the safety net of group risk cover has never been more valuable. But although sales are creeping up, providers and advisers believe there is much more that could be done to grow the market
Europe: Post-Brexit travel insurance
It is unclear whether UK nationals will be able to use the European Health Insurance Card after Brexit. If they don’t, travel insurers expect higher claims costs and higher premiums.
Wedding insurance: A promising market
The UK wedding market is worth £10bn and growing exponentially, but the wedding insurance market is comparatively less fruitful
Motor Report: What's driving motor?
With trials of driverless car fleets now occupying our national roads, the motor sector is getting an upgrade like never before. As fraudulent claims continue to accelerate and while premiums pay the price, new entrants are causing insurers to tighten…
Japan's earthquake gap
Despite being in a major earthquake zone the take up of insurance in Japan is relatively low. David Worsfold examines why.
Why and how cross-selling works for microinsurance
Cross-selling is a great way to distribute microinsurance, as illustrated in Africa, where some farming insurance programmes are also experimenting with new ways to pay out claims, write Tom Johansmeyer, assistant vice-president at Verisk Insurance…
Political risks: Halting new threats
Businesses with domestic and international footprints are increasingly demanding protection from political risks. But, as the threats have changed in recent years, so has the cover that serves to protect against them
More scrutiny on Luxembourg captives ahead
With increasing regulatory scrutiny, managing a captive can become challenging. Protected cell companies offer a practical alternative.
Running off captives in Luxembourg: How to recover the equalisation reserve
A treasure awaits those holding the keys for unlocking Luxembourg’s main assets within the insurance industry. According to the regulator’s latest annual report, reinsurers have built up €9.3bn (£7.8bn) in equalisation reserves in the country.
Claims aggregation: Joined-up thinking
The Supreme Court ruling in AIG has clarified the conditions under which claims can be aggregated, allowing insurers to reduce their exposure, but future cases will remain highly fact-sensitive
Finishing line in sight for the IPID
Although many who voted for Brexit may have hoped otherwise, leaving the European Union will not enable the UK insurance community to turn a blind eye to the insurance regulations dreamed up by those famously unelected bureaucrats in Brussels. Although…
Insurance Census 2017: Diversity isn't coming quick enough
The Chartered Insurance Institute responds to the Insurance Census 2017. Research conducted by Post and published in the March issue showed a profession getting older, paying men more than women, with boardrooms remaining rather pale.
Europe: Insuring robots (and against robots)
Robots are becoming ubiquitous. Do we need specific insurance? And do they?
Brokers: The unbearable weight of regulation
Brokers are becoming increasingly frustrated with the Financial Conduct Authority, citing rising compliance costs and an overbearing regulatory regime as hurdles to growth and innovation
Hong Kong grapples with healthcare inflation
In the second most expensive place in the world for private medical insurance insurers and the government are trying to tackle Hong Kong's multiple healthcare challenges.
Legal Update: When reasonable isn't enough
The Supreme Court judgment in Montgomery v Lanarkshire Health Board opens a new avenue for claims against professionals, explains Alisdair Matheson, partner at Brodies.
Identity fraud: Trading faces
With almost 173,000 reported cases last year, identity fraud is an ever-increasing problem. Insurers are taking a proactive approach to fight this pernicious problem
Insurance M&As expected to focus on insurtech
The days of mega-mergers in the insurance industry may be behind us as consolidation activity has dropped significantly from the peaks of 2014 and 2015. The sector is contemplating this change of gear and steadying itself in the face of waves of global…
Enterprise Act: Paying the price for paying late
With the Enterprise Act coming into force on 4 May, policyholders will now be able to claim damages for late payment of claims. Are insurers ready?
Making Winners work: African farm insurance
The Winners Project aims to provide a long-term-solution to the threat of extreme weather for farmers in Africa
Roundtable: Tackling the start-ups
As traditional insurers partner with start-up tech companies, the landscape of insurance is changing. Start-ups pose less as threats hellbent on disrupting the industry and more as an opportunity waiting to happen. Post, in association with Mendix,…
Climate change: insurers feeling the heat
The global risk landscape is currently dominated by environmental upheavals caused by climate change. The resulting catastrophes are of concern to people in general and insurers, in particular, tasked as they are with underwriting and managing ever…
Fire claims: Not getting burnt
The Enterprise Act may expose inefficiences in the way claims are handled – and fire investigators could feel the heat, as any delay in investigating may cost
Credit insurers look to capitalise on Brexit fallout
Any hint of an economic downturn inevitably results in forecasts that demand for trade credit insurance will soar. So, predictably, Brexit has sent the PR machines of the major credit insurers into overdrive.