Writing & research
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.
19 papers
Twelve motor claims processes, each carried by generative AI, deterministic control and people. Generative AI runs at under half its potential, control does not shrink as it grows, and human judgment concentrates where the money is.
Federal Decree-Law No. 6 of 2025 has been in force since September 2025; what closes in September 2026 is the Article 184 reconciliation period. The standard is not finished compliance, but a documented view of where an operation stands, with remediation under way.
Motor premium grew 12.2% and the line lost money doing it. A section-by-section read of the Insurance Authority's annual market report, with the per-vehicle economics the report leaves implicit.
A CBUAE-licensed insurer may use Claude Cowork today, across most business functions. The conditions come down to which documents the tool may read and which of two setups the company runs.
The rising repair burden in Saudi motor claims — a growing comprehensive book and the shift away from cash settlement — and how generative AI, outsourcing, and process redesign change the economics of absorbing it.
Generative AI delivers real value in insurance, and its biggest returns sit in the most ambitious work, well beyond the simple tasks.
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.
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…
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.
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.
The economic recovery in UAE motor and the partial recovery in Saudi motor mask a structural shift in where competitive advantage comes from.
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.
The UAE operates a mandatory three-tier dispute resolution system for consumer insurance complaints. Each tier must be exhausted before the next becomes available.
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.
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…
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…
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
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…
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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