Code to Cover Newsletter

Over the past couple of weeks, a string of insurers and comparison platforms have launched apps directly inside ChatGPT. What does the future of distribution look like in an AI-enabled world?

Delegated authority under closer scrutiny, Consumer Duty demands insights, and an MGA market that’s still growing.

Admiral Pioneer and Octopus EV team up for embedded motor, renewed calls for stricter AI supervision in insurance, the PRA publishes supervision priorities, and AXA looks to satellites for faster insight during extreme events.

Why 2026 is the year infrastructure matters: AI, APIs, and what MGAs need to know. Plus: Your UK and SA regulatory update calendar for 2026.

From makers in the middle and AI buzz to embedded distribution and new risks, we look back at 2025’s biggest insurance tech stories in this week’s edition.

Tailored cover for SMEs, a new role for brokers, and why foundational digital infrastructure is the key to AI adoption. Plus: a poll suggests only half of MGAs have started their API transformation journey - all in this week’s Code to Cover.

Lots of news this week - find out about Syndicate 1918's Lloyd's approval, Tide and Admiral's new embedded SME insurance offering, planned AI-related job cuts in insurance, and newly released AI adoption data for South Africa's insurance sector.

How intermediaries continue to fulfil an important role in the value chain, SA’s 1st parametric insurance licence, cyber claims take centre stage in the UK and the year of AI.

UK policyholder complaints edge up under Consumer Duty, and South Africa’s protection gap widens to R50.4 trillion. And what nuclear fusion, the Louvre Heist and Mad Max all have to do with insurance technology!

South Africa’s life insurers hit record AUM, the ombud sends R140 million back to policyholders, Moody’s holds the outlook stable for UK life and P&C. We unpack AI-washing, boardrooms getting tech-savvy and Discovery making rest a benefit.