AI adoption across the UK insurance sector continues to accelerate, yet the impact is falling short of the industry’s expectations. The narrative is now shifting beyond systems that analyse data and generate recommendations towards agentic AI, that is capable of taking action, whether that means initiating claims processes, identifying potential fraud in real time, refining underwriting decisions or triggering next-best actions. Many see this as the next major leap forward for insurance, and they may be correct, but not for the reasons most people think.
