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1、22/03/2022INDEPENDEN T P U B L I C AT I O N BY#0793R AC O N T EU R.NE TFUTURE OFINSURANCELOOKING TO A POST-COVID LANDSCAPE TOP FIVE INSURTECH TRENDS TO WATCH0603INSURERS REACT TO CLIMATE CHANGE12R A C O N T E U R.N E TF U T U R E O F I N S U R A N C E0302R A C O N T E U R.N E T03/future-insurance-20

2、22he pandemics effect on the insurance industry has been severe,unfold-ing at a time when insurers were already facing significant changes owing to Brexit.And while much of the impact was immediate and predictable,Covids longer-term consequences are worrying insurers.According to Edward Rushton,head

3、 of insurance and reinsurance at LexisNexis UK,business interrup-tion has caused the most headaches.He says claims will continue to be litigated and arbitrated as courts and ombudsmen work through a backlog of cases.“Beyond the direct claims are reinsurance claims.This is going to get really complic

4、ated and I expect Covid-19 reinsurance issues to be the subject of disputes throughout 2022 and quite possibly into the next decade.”Covid triggered a spike in the num-ber of policyholders claiming on their cover,the costs insurers had to fork out and the volume of disputed claims.The Financial Ombu

5、dsman Service said it received 90,000 more complaints than it expected to dur-ing the pandemic.Insurance broker Howden puts the insured losses so far from Covid-19 at$44bn(33bn),representing the third largest cost to insurers of any catastrophe,behind Hurricane Kat-rina and the 9/11 attacks.As well

6、as navigating disputes,insurers have had to quickly adapt to the rise of remote working.Digital transformation projects have been accelerated,with more money invested in technology and soft-ware.“Digital platforms have helped firms to cope,and we expect more digitisation to come;this is some-thing t