AI strategy·May 2026·12 min read
Ambitious AI, kept compliant
Generative AI delivers real value in insurance, and its biggest returns sit in the most ambitious work, well beyond the simple tasks.
Writing & research
White papers
Practical, no-nonsense writing on AI strategy, insurance regulation, and the motor claims and repair industry across the UAE and wider GCC. Free to read online or download.
AI strategy
AI strategy·May 2026·25 min read
Agentic AI in UAE motor claims
On Sunday 3 May 2026, with public announcement the following day, His Highness Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai, directed the Emirate's private sector to adopt agentic AI within 24 months.
AI strategy·April 2026·30 min read
Building an AI organization: a beginner's guide
An AI organization is a system of specialized AI agents, each responsible for a defined business function, managed by a human operator through a structured set of rules, context files, and quality gates.
AI strategy·March 2026·36 min read
Raising transparency and trust in insurance with AI
AI can materially raise transparency and trust in insurance by turning “trust” into an engineered outcome: cleaner data, faster and more consistent decisions, auditable workflows, and real-time customer visibility
Regulation & compliance
Regulation·May 2026·24 min read
Motor claims compliance under Federal Decree-Law No. 6 of 2025
The UAE's insurance regulatory framework changed fundamentally on 16 September 2025. For motor claims operations, the implications are structural, the timeline is short, and the compliance perimeter is wider than a first reading of the law…
Regulation·May 2026·14 min read
The CBUAE AI Guidance Note
On 11 February 2026, the Central Bank of the UAE issued the Guidance Note on Consumer Protection and Responsible Adoption and Use of Artificial Intelligence and Machine Learning by Licensed Financial Institutions.
Regulation·May 2026·10 min read
UAE PDPL: what insurers need on the board agenda before 2027
For insurer boards, the implication is straightforward. The regulatory architecture is real, the enforcement posture is maturing, and the exposure surface sits across every external party that holds policyholder data.
Regulation·April 2026·22 min read
Sanadak: an explainer
The UAE operates a mandatory three-tier dispute resolution system for consumer insurance complaints. Each tier must be exhausted before the next becomes available.
Regulation·April 2026·60 min read
A regulatory briefing for UAE insurance operations leaders
The operating-model implications are the same across all five frameworks. Insurers can no longer run siloed policy administration systems with spreadsheet underwriting, duplicated customer masters, and retrofitted compliance documentation.
Motor claims & repair
Repair & claims·April 2026·25 min read
UAE motor vehicle repair regulations
This guide consolidates the UAE regulatory framework governing motor vehicle insurance claims, covering repair location rules, depreciation schedules, total loss declarations, claims processing timelines, spare parts sourcing, deductible st…
Repair & claims·April 2026·18 min read
ESMA vehicle workshop quality standards
Reading the confidence labels. Each finding in this brief carries a confidence tag. HIGH CONFIDENCE means multiple independent primary or established industry sources agree and the finding is unlikely to be materially wrong. MEDIUM CONFIDEN…
Repair & claims·February 2026·17 min read
The electric vehicle repair gap
The advice is correct. The pricing assumptions behind it are not. An analysis of claims cost data across approximately 1.26 million vehicle-years of exposure in the UAE, covering both agency (authorised dealer workshop) and non-agency (inde…
Markets
Markets·May 2026·33 min read
UAE and Saudi Arabia motor insurance
The economic recovery in UAE motor and the partial recovery in Saudi motor mask a structural shift in where competitive advantage comes from.
Markets·February 2026·18 min read
The Chinese vehicle question
Insurers are responding with the same question, asked in different ways depending on the meeting room: "How do I price Chinese vehicles?" from the actuary, "What's the claims risk?" from the underwriter, "Do they break more?" from the claim…
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