by Ekrem Duman | Jun 3, 2026 | Insurance, InsurTech & Claims
⚡ TL;DRThe insurance claims process is how a policy turns into a payout. It moves through first notice of loss, assessment, investigation, decision, and payment. Understanding each stage — and your rights and responsibilities — helps you file successfully, avoid...
by Ekrem Duman | Jun 3, 2026 | Insurance, InsurTech & Claims
⚡ TL;DRUsage-based insurance (UBI) prices coverage on how you actually behave, using telematics — data from your car, phone, or connected devices. Safe, low-mileage drivers can earn significant discounts, while pricing becomes fairer and more individualized. It is one...
by Ekrem Duman | Jun 3, 2026 | Insurance, InsurTech & Claims
⚡ TL;DRInsurTech is the use of technology — AI, data analytics, mobile, IoT, and automation — to transform how insurance is designed, sold, priced, and serviced. It is making coverage faster, cheaper, more personalized, and more accessible, while pressuring...
by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRReinsurance prices move in cycles between ‘hard’ markets (high prices, scarce capacity after big losses) and ‘soft’ markets (low prices, abundant capital). These cycles ripple down to the insurance you buy. Understanding what drives them...
by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRAlternative risk transfer (ART) covers tools beyond traditional insurance, led by captive insurers — companies a business creates to insure its own risks. Captives let large organizations retain and manage risk directly, access reinsurance, gain cost and tax...
by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRCatastrophe reinsurance protects insurers against rare, severe events like hurricanes and earthquakes that can trigger thousands of claims at once. Beyond traditional reinsurers, insurers increasingly transfer this risk to capital markets through...
