All columns
Every column argues one position on how AI is changing UK underwriting. Facts are linked; opinion is labelled.
Personalised price, or quiet value extraction?
The 2022 price-walking ban fixed one unfair signal. AI pricing can find others, and the FCA's own review admits it may struggle to tell the difference.
Mills makes the underwriter a supervisor. Who supervises the supervisor?
The FCA's review maps a ladder from 'Operator' to 'Observer'. Underwriting is climbing it faster than the Senior Managers Regime was built for.
Terrorism cover, quoted by a model: what Hiscox got right
The most useful line in Hiscox's AI launch was not the speed claim. It was the footnote listing what the model would not touch.
The follow market already belongs to the algorithm
Lloyd's told Parliament that algorithmic follow cut quote-to-bind from days to seconds. The lead underwriter has not been replaced. They have become the input.
Half the reading time is not half the judgement
Aviva's AI now summarises medical reports for life, critical illness and income protection cover. The speed is real. The question is what an underwriter stops noticing.