Articles | Andres Lehtmets

10 September 2025 · 1 min read

State of the Union 2025: What It Means for Insurance, Finance and Innovation

President von der Leyen just delivered the 2025 State of the Union. The speech was heavy on geopolitics, but there are important signals for financial services, insurance and innovation. Competitiveness & markets * A Single Market Roadmap to 2028 and a “28th Regime” aim to cut fragmentation and make cross-border activity easier. * Work is being accelerated on the Savings and Investments Union. * The European Innovation Act and Industrial Accelerator Act are designed to strengthen Europe’s

15 June 2025 · 2 min read

Savings and Investment Union (SIU) and the Financial Data Access Regulation (FiDA)

12 May 2025 · 1 min read

Affirmative AI Liability Insurance

Armilla Insurance Services (Armilla), a Coverholder at Lloyd's, has announced the launch of its AI Liability Insurance policy. Underwritten by certain underwriters at Lloyd’s, including Chaucer, this policy provides affirmative coverage for AI-related risks. As stated in the press release, businesses are racing to deploy AI, but their risk management and insurance tools haven't kept pace. There is growing concern around “silent AI cover”—the uncertainty over whether existing policies will respo

11 May 2025 · 1 min read

Open Insurance Use Case: Insurance Wallet

Why is it still impossible to get an overview of my insurance situation? Why do I always have to dig through my mailbox to find it? I’m not even talking about anything complex—just a simple overview: - These are my policies - These are my insurers - These are the renewal dates That is all (for beginning). I have several policies: home, rental apartments, life, casco, MTPL, MTPL for my hobby car, travel insurance and purchase insurance linked to different cards, a separate policy for my bic

11 May 2025 · 1 min read

Open Insurance Use Case: Insurance Dashboard

Currently, consumers are unable to access a single, user-friendly overview of their existing insurance policies—but open insurance can change that. It is also difficult for consumers to compare their current policies with new offers during the purchasing process, making it harder to make informed decisions about switching or supplementing coverage. Open insurance can address that challenge as well. An insurance dashboard, built on open insurance or a broader open finance framework, could help

23 April 2025 · 2 min read

Introduction to EU’s Financial Data Access (FiDA) proposal

If you operate in finance or insurance—and fall into one of the categories below—you cannot afford to ignore the EU’s Financial Data Access (FiDA) proposal. 1. Credit institution 2. Payment institution 3. Electronic money institution 4. Investment firm 5. Crypto-asset service provider 6. Issuer of asset-referenced tokens 7. Manager of alternative investment funds 8. Management company of undertakings for collective investment in transferable securities 9. Insurance undertaking

17 April 2025 · 14 min read

InsurTech 2050 | Alain Aun, Rendin

The goal of the InsurTech 2050 Interview Series is to create a platform where InsurTech founders, CEOs, and top insurance regulators and policymakers share their journeys and insights. This series aims to: * Inspire and support fellow founders and regulators/policymakers. * Foster closer collaboration and understanding between these two groups. * Provide thoughtful, in-depth discussions on the future of insurance and its biggest challenges. Today I´m speaking with Alain Aun from Rendin. T

14 April 2025 · 1 min read

How policymakers can better support (InsurTech) start-ups?

Start-ups are powerful engines of breakthrough innovation and technologies that can drive economic dynamism and growth. However, their success depends on access to appropriate funding, supportive policy frameworks, and robust innovation ecosystems. The OECD recently outlined four evidence-based strategies that policymakers can implement to help start-ups thrive: 1. Maintain a diverse funding environment 2. Promote co-operation while reducing dependencies 3. Promote entrepreneurship stemming

11 April 2025 · 1 min read

Digital Fairness Act and insurance

The European Commission’s 2024 fitness check (evaluation) on digital fairness identified gaps in consumer protection online. The next step is the development of a Digital Fairness Act. Building on the existing EU digital rulebook, this initiative aims to address problematic practices such as: * Unfair commercial practices related to dark patterns * Misleading marketing by influencers * Addictive design of digital products * Unfair personalisation practices It also seeks to ensure a level

24 March 2025 · 2 min read

Savings and Investments Union: Focus on Insurance and Pensions

The European Commission has adopted its strategy for the Savings and Investments Union (SIU). The SIU aims to create better financial opportunities for EU citizens while enhancing the financial system’s ability to connect savings with productive investments. This will provide savers with more choices to grow their household wealth and enable businesses across Europe to expand. At the EU level, measures will be required to support competition and ultimately offer retail investors a broader selec

12 March 2025 · 10 min read

InsurTech 2050 | Rauno Sigur, DriveX Technologies

The goal of the InsurTech 2050 Interview Series is to create a platform where InsurTech founders, CEOs, and top insurance regulators and policymakers share their journeys and insights. This series aims to: * Inspire and support fellow founders and regulators/policymakers. * Foster closer collaboration and understanding between these two groups. * Provide thoughtful, in-depth discussions on the future of insurance and its biggest challenges. Today I´m speaking with Rauno Sigur from DriveX T

18 February 2025 · 12 min read

InsurTech 2050 | Hedi Mardisoo, Cachet

The goal of the InsurTech 2050 Interview Series is to create a platform where InsurTech founders, CEOs, and top insurance regulators and policymakers share their journeys and insights. This series aims to: * Inspire and support fellow founders and regulators/policymakers. * Foster closer collaboration and understanding between these two groups. * Provide thoughtful, in-depth discussions on the future of insurance and its biggest challenges. Today I´m speaking with Hedi Mardisoo from Cachet

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