Moving in to a new year I am optimistic that we will see a marked step forward in the relationship with InsurTech. Many of the technologies that have been explored over the last couple of years will start to evolve, and I think we will see an increased number of successful PoCs.

I also believe that this is the year when we will move away from a 'them and us' mentality, and start to cooperate to deliver something meaningful together - startups and incumbents collaborating to make a difference.