Code to Cover Newsletter

Your fortnightly dose of insurance technology trends, intelligence and market news. Every 2nd Tuesday, we share a handpicked selection of news, articles and ideas shaping the future of insurance.

$1.23 trillion is up for grabs. How can you get a slice?

In this edition we look at why retailers, banks and platforms should be treating embedded insurance as a key part of their strategy, what distributors actually want from an insurance partner, how our AI-native product builder allows you to reshape partner distribution, and what we heard at MGAA 2026.

What’s the next big embedded insurance distribution opportunity?

Embedded partner distribution is expanding beyond traditional digital channels. In this edition, TikTok brings SME cover to e-commerce businesses, a new MGA embeds specialist cover through retailers, and South Africa’s Long-term Insurance Amendment Bill raises new operational and data challenges for insurers.

Would your product be recommended by AI?

End-to-end cover from inside WhatsApp, and ChatGPT’s new Shopping Assistant now tells you which insurer to pick.

What actually separates a good MGA from the rest?

The bar for MGAs is rising and good distribution alone no longer cuts it. Why the answer to AI scepticism might be more data, not more AI. Plus why insurers won't quote on your new Chinese EV.

A world’s first for AI-enabled distribution

The world’s first binding insurance quote over ChatGPT, where customers drop off the quote journey, and the UK's regulatory reform wish list moves closer to becoming law.

What 95% of brokers are betting on

Brokers are more confident than they have been in years, and AI-led distribution marches on.

Insurance is at a crucible moment. Should you build or buy your way through it?

South Africa's draft AI policy, the value of knowing your customer and whether the build versus buy debate is dead.

We're not all average drivers. So why is insurance priced like we are?

Fleet insurance pricing is getting more personalised, Admiral makes moves in commercial motor, what brokers actually want from insurers, and why social media lawsuits are quietly becoming an insurance story.

“How do we actually get value out of AI?”

Reflections on Insurtech Insights Europe 2026, ChatGPT converts customers 4x better than Google search, AI is preventing claims, and driverless cars may now be insured.

Rules, returns and deepfakes

The FCA's 2026 priorities, what COFI and Omni-Risk Return reforms mean for UMAs, why insurance's biggest AI gains are still ahead, and how generative AI is making claims fraud harder to spot.

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