Earnix Research Reveals 55% of UK Insurers Have Already Embedded AI Into Core Business Functions

Survey report finds UK insurers moving beyond AI pilots — but struggling to scale execution, governance and personalisation

Earnix, a leader in AI-driven pricing, underwriting, and customer engagement for insurers, today released its new report Insurance 2026: Earnix AI Trends Bulletin | UK Survey Results In Depth, revealing that more than half (55%) of UK insurers have already integrated AI into some core business functions, signalling a major shift from experimentation toward operational deployment.

Based on insights from more than 400 global insurance executives for the Earnix 2026 Industry Trends Report, including 40 UK insurance leaders, the UK regional report explores how insurers in the UK market – are embedding, governing and scaling AI across pricing, underwriting, claims and customer engagement workflows, and compares this to the global results.

The findings show that while UK insurers are accelerating AI adoption, many are now confronting the industry’s growing “AI execution gap”: the challenge of moving from isolated AI use cases to enterprise-scale operational decisioning.

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Among the report’s key findings:

• 55% of UK insurers say AI is already integrated into some business functions
• 98% of UK insurers are either already using, or planning to use, generative AI for processing unstructured data – significantly ahead of the global average.
• 30% of UK insurers admit they are significantly lagging behind customer expectations around personalisation

The research also found that:

• 91% of UK insurers plan to increase investment in third-party data
• 53% say regulation is moderately slowing AI innovation
• UK insurers are prioritising AI for operational workflows such as claims processing and policy issuance ahead of customer retention use cases

Adrian Mincher, Head of UK, Ireland and South Africa at Earnix, said:

“UK insurers have clearly moved beyond experimenting with AI in isolated pilots. What comes through strongly in this research is that the pressure has shifted to making AI work consistently in the real world – inside pricing, underwriting, claims and customer decision-making, where speed, governance and commercial performance all matter at the same time.

There’s no shortage of ambition or investment across the market, but many firms are still finding it difficult to turn insight into action at scale. That’s especially visible around personalisation, where customer expectations are moving quickly and operational processes are struggling to keep up. The conversation around AI is becoming far more practical now – less about testing the technology, and more about whether insurers can bridge the execution gap, and actually embed AI confidently and at scale into the way decisions get made every day.”

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