THE METHOD
The Framework
Eight tests across frequency, severity, exposure, accumulation, price response, capital, customer expectation and Consumer Duty.
Read the frameworkTHE LENS
Technology developments and their implications for insurance.
Track adoption, claims evidence and data availability across vehicle technologies, assessed through the eight tests of the Pricing Actuary’s Lens.
LIVE TRACKER · LAUNCHED
Autonomous Mobility
Regulatory status, commercial deployment and scale—separated from what those developments materially mean for motor insurance.
Explore the trackerLIVE TRACKER · LAUNCHED
Electric Mobility
UK adoption, commercial electrification, new manufacturers, charging and exposure—interpreted through the same eight actuarial tests.
Explore the trackerLIVE TRACKER · LAUNCHED
ADAS Systems
Fitment, capability, replacement lag and claims evidence—without turning uncertain model mapping into false precision.
Explore the trackerLIVE TRACKER · LAUNCHED
Pay Per Mile
Global products, annual mileage and the time-and-place shape of road exposure—tested against the limits of vehicle-year pricing.
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Connected Vehicle Data Lab
Which manufacturers and data routes are documented publicly—and where the evidence stops short of model, VIN or observed signal verification.
Explore the labUK INSURANCE · FRAUD & VALIDATION
Insurance Fraud
Application and claims fraud, AI-assisted deception, and the checks available to validate a proposal before and after sale.
Explore the trackerEDITORIAL PRINCIPLE
The tracker records what is changing.
The Lens interprets what those changes mean for insurance.
New evidence can update a location, milestone or scale indicator without changing the actuarial conclusion. Lens revisions are dated and logged only when the insurance implications materially change.
THE EXPONENTIAL INSURANCE BRIEF
Get the Brief each week.
One technology development each week, with its implications for pricing, claims and insurance products.
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