Articles by Sara Costantini
Could climate change drive an insurance availability crisis?
Climate change risk cannot be underestimated, neither can the insurance industry’s need to address the challenges it brings. CRIF’s Sara Costantini explains how the strong correlation between the use of ESG key indicators and improved loss ratios…
ESG Spotlight: Can SME commercial insurers drive profitable growth with ESG data?
ESG continues to act as a catalyst for change across business operations and culture with its reach having extended to the UK SME sector. What does this mean for SME commercial insurers and can they use ESG data to better assess risk and create…
All aboard: A smoother journey for commercial insurance onboarding
The changing business risk landscape is driving new trends in UK commercial insurance, as reported by insurers and brokers in a recent Commercial Insurance Risk Survey conducted by Insurance Post, in conjunction with Crif.
Pet insurance market grapples with soaring claims and premium pricing challenges
Pet insurers face mounting pressure as claims volumes and payouts hit record highs in 2022. Sara Costantini, regional director of Crif, UK & Ireland, explores how insurers could use enriched third-party data, including micro-level geographical…
Spotlight on ESG: Validating the ESG credentials of the insurance supply chain
Consumers, industry participants, civil society, regulators, and the media are all increasingly questioning the integrity of some of the ‘green’ claims made by companies and financial firms. ESG scrutiny is building, and this represents both business…
Blog: Pay-as-you-buy insurance – a customer choice-based concept
Telematics has created an acceptance of data sharing that paves the way for insurers and their customers to access the benefits from open banking data, argues Sara Costantini, managing director of Crif Decision Solutions.
Spotlight on Open banking and SME: Rebuilding trust among SMEs using open banking
Open banking has forced banks to find new ways to engage with their customers and partners. Sara Costantini, managing director of Crif Decision Solutions, asks whether it could also be the key to rebuilding trust between insurers, brokers and SMEs in the…
Spotlight: Open insurance: Restoring confidence and seizing opportunities post Covid-19
The post Covid-19 insurance landscape is rapidly changing and insurers are increasingly aware that they must adjust and rethink in order to satisfy the needs of their customers and remain relevant. As a result, the pandemic may be the catalyst for…
Spotlight: SME market: SMEs and cyber risk - a ticking time bomb
SMEs are a prime target for cyber criminals because they are believed to have limited resources and employ less technically aware employees than larger enterprises. Despite this, these businesses, their insurance providers and brokers are not assessing…
Analysis: Pet insurance: fetching data
Customer profiling is key to accurately assessing insurance risk, capturing fraud and improving the pet owner’s insurance experience
Spotlight: Solving pet fraud through data sharing
Pet insurance is a promising market – and one that is as exposed to fraud as other sectors