THE METHOD
The Framework
Eight tests across frequency, severity, exposure, accumulation, price response, capital, customer expectation and Consumer Duty.
Read the frameworkTHE ACTUARY LENS
Technology developments and their implications for insurance.
Track changing risks through the eight actuarial tests. Explore underlying data in Data Lab.
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.
Explore the trackerLIVE TRACKER · LAUNCHED
Connected Vehicle Data
How access, consent and coverage may affect insurance use. The detailed OEM and provider register is in Data Lab.
Explore the trackerUK 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 trackerGEOGRAPHIC RISK · ANNUAL EVIDENCE
Beyond Postcodes
Compare exposure, injury collision frequency, severity and environmental hazards. Test whether geographic differences persist in later years.
Explore the Geo RiskROAD RISK · STATS19 EVIDENCE
Which road risks persist?
Interpret comparable injury-collision trends, geographic persistence and the limits of vehicle and weather comparisons.
Read the road-risk interpretationEDITORIAL 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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