Articles by David Worsfold
Personalise insurance or fall foul of disruptors
The potential of personalisation and embedded insurance continue to excite the insurance market. David Worsfold explores what progress is being made and whether the innovation is being driven by mainstream players, disruptors or a combination of the two.
How insurers can up their claims game
Insurers love to talk about claims exaggeration, but David Worsfold asks: are they guilty of some exaggeration of their own?
How brokering in Ukraine is triumphing over adversity
Interview: Ukrainian insurance broker Alina Golubieva talks to David Worsfold about the current challenges of insuring businesses and homes in the country, plus how the market is preparing to align itself with European Union regulation.
Insurance Women’s Inclusivity Network strikes a pose for IWD
For International Women’s Day, the Insurance Women’s Inclusivity Network took part in a special photoshoot inspired by the recent Vogue magazine cover featuring “legendary women”.
Impact of war in Ukraine on insurance
Two years on from Russia invading Ukraine, David Worsfold examines the ongoing impact of the war on global insurance markets.
Embedded insurance: Blind to the risks?
Analysis: David Worsfold examines whether wrapping up insurance with other products risks obscurity, especially if there is a poor understanding of consumer behaviour in a digital environment.
Rise of the AI insurers
David Worsfold examines can how artificial intelligence can be used to reimagine the insurance experience for customers, transforming it from a transactional, reactive model to a proactive, more personalised one.
Media risks in the digital age
Analysis: David Worsfold examines the implications of the Online Safety Bill for insurers of content creators, publishers, website hosts and social media platforms.
Are insurers ready for the British space age lift-off?
Analysis: With the British Space Age now a reality, David Worsfold examines how insurers plan to protect those hoping to blast off.
Hazards are still stalking the high seas for marine insurers
Analysis: David Worsfold examines how the Russia and Ukraine war has presented marine insurers with several tricky challenges, including insuring ships in the safe-grain corridor, and keeping abreast of the constantly changing sanctions regimes.
The insurance challenges facing churches this Christmas
As the cost-of-living crisis causes many to feel the pinch this Christmas churches and places of worship have been undergoing a transformation when it comes to the use of the house of God, one that the specialist insurers in the market have had to…
How equine insurers are still going the distance to manage horse-racing risks
David Worsfold explores how equine insurers rose to the challenge of managing horse-racing risks in the midst of the Covid-19 pandemic, and are now handling today's hardening market
Intelligence: Inclusivity in insurance - enabling customers with disabilities
In the UK 14.6 million people are classed as disabled and more than seven million people of working age have a disability. David Worsfold investigates how the insurance sector is catering for this vulnerable community – and managing this mainstream…
Spotlight on ESG: Aligning ESG values - delivering the promises
Turning the fine words of carefully crafted corporate environmental, social and governance strategies into a meaningful reality is one of the top priorities for general insurers. However, as David Worsfold discovers, it remains a complex challenge
Intelligence: The Tesla threat - EV disruption will hit the insurance market
Insurers have long been wary that car manufacturers could hijack a slice of the motor insurance market, but as David Worfold explains it is electric vehicles and their connectivity that are likely to be the most disruptive force in the immediate future.
Intelligence: Insurers must brace now for the oncoming inflation storm
Inflation is front of mind for the general public – and that is no different for the insurance market. David Worsfold investigates how prepared the sector is for inflation rises and how they can make sure customers see insurance as a must-have instead of…
Intelligence: Ireland is cautiously optimistic about its financial future
As Ireland emerges from the Covid-19 pandemic into a post-Brexit world, David Worsfold explains that after addressing past regulatory failures, and now looking to make personal injury reforms, the Irish insurance market is currently looking forward and…
Intelligence: China - Implications of uncertainty
There would be serious consequences for the insurance market if escalation of tensions between the major western democracies and China arose. David Worsfold asks, therefore, why insurance companies are burying their heads in the sand about the issue…
Intelligence: Reforms under the microscope
In its pre-budget statement the Association of British Insurers called on the government to reform the financial services regulation inherited from the European Union and unlock nearly £1trn over 15 years that could be invested in the UK’s transition to…
Intelligence: Product recall and labelling laws
Natasha’s Law has opened up a fresh range of risks for food businesses, while Brexit and Covid-19 have impacted product recall in other areas and ways. Post looks at what insurance cover is available for firms and what triggers they respond to
Intelligence: Insurance and politics - a story of slow progress
From when the All Party Parliamentary Group on Insurance & Financial Services was established in 1991 to the infamous 10 Downing Street summit on Valentine’s Day 2012 insurance and politics often cross paths. Post investigates the impact insurance has…
Intelligence: No time to hide on Scottish independence
A second independence referendum raised its head again in the recent elections for the Scottish Parliament, Post investigates what this would mean for the UK insurance sector
Intelligence: What is happening to European insurance regulation?
Nearly six months after the UK left the European Union without any deal in place for its insurance and financial services sectors Post looks at how this story is playing out in terms of regulation and what the next six months might bring.
Intelligence: EU Trading - Doing business in Europe
With no post-Brexit equivalence or passporting regime available to UK brokers, they have had to explore other avenues to continue to trade across the European Union. David Worsfold explores the options open to intermediaries and the benefits they can…