THE METHOD
The Framework
Eight tests across frequency, severity, exposure, accumulation, price response, capital, customer expectation and Consumer Duty.
Read the frameworkTHE LENS
Evidence changes. Interpretation earns the right to change.
The Lens tracks technologies developing quickly enough to alter insurance—and applies one consistent pricing-actuarial framework when the evidence becomes material.
LIVE TRACKER · LAUNCHED
Autonomous Mobility
Regulatory status, commercial deployment and scale—separated from what those developments materially mean for motor insurance.
Explore the trackerLIVE TRACKER · LAUNCHED
Electric Mobility
UK adoption, commercial electrification, new manufacturers, charging and exposure—interpreted through the same eight actuarial tests.
Explore the trackerLIVE TRACKER · LAUNCHED
ADAS Systems
Fitment, capability, replacement lag and claims evidence—without turning uncertain model mapping into false precision.
Explore the trackerLIVE TRACKER · LAUNCHED
Pay Per Mile
Global products, annual mileage and the time-and-place shape of road exposure—tested against the limits of vehicle-year pricing.
Explore the trackerLIVE TRACKER · LAUNCHED
Connected Vehicle Data Lab
Which manufacturers and data routes are documented publicly—and where the evidence stops short of model, VIN or observed signal verification.
Explore the labEDITORIAL PRINCIPLE
The tracker records what is changing.
The Lens interprets what those changes mean for insurance.
New evidence can update a location, milestone or scale indicator without changing the actuarial conclusion. Lens revisions are dated and logged only when the insurance implications materially change.
THE EXPONENTIAL INSURANCE BRIEF
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One material technology development, interpreted through insurance economics.
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