Mark Varley

speaker

154 appearances 2 recordings 1 series first heard Jul 2026 last heard 11 Aug

Mark Varley’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 1.

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Making Risk Flow | The Future of Insurance · Why Better Data Helps Underwriters Say 'Yes' More Often | Mark Varley & Simon de la Hoyde · 14 Jul 2026 podcast

It was taking data that we'd answered and displaying that, but it was also going off and kind of making its own inferences.

And some of those were wrong.

around not so much where the property is but even things like what county it's in now counties are kind of are things that aren't actually in the uk now the concept of county summit that was dispensed with quite a few years ago so you've got these kind of ceremonial counties but it was going off and making its own deductions i think saying oh this property is in middlesex which is something that none of us have probably seen for a long time so kind of basically telling it

You need to stay within your box.

These are the things that you should do.

These are the things you shouldn't do.

But then also from our perspective, being able to provide that wider context of understanding for a particular property, this is what its characteristics, this is what its risk profile looks like.

Because we have access to information on every property, whether that is globally or within a country, understanding and giving that context around if a particular property is non-standard.

So again, I think those are all the benefits you get from a working, interacting with a MCP server or to MCP technology rather than going directly against an API.

So we think that combination of applying the guardrails, but then also giving the broader context and then training that specifically for a customer and their own risk appetite is, we think that's a really powerful combination.

Yeah, and I think I'd just add to that as well.

So I think it allows insurers to bring in an additional level of sophistication that they would do currently.

So if you took flood as an example, a large part of the market in the UK are using JBA data, and there's kind of an established set of scores at which a lot of insurers will decline, you know, either refer or decline risk.

I think coupling that, so if insurers at the moment say, right, I'm going to decline a thing that's over a JBA 10,

There is potential, I would say, for insurers to start being a bit more nuanced to say, well, actually, I will decline.

Maybe I'll open up.

If a lot of insurers are declining over at that level, that therefore allows opportunity to potentially start writing some of the slightly higher risk properties.

potentially charging a premium for those because they're accepting risk but the knock-on effect to the consumer is that they're able to get insurance rather than you know it's being a kind of straight out decline but then actually being carefully just picking a few so like okay well i'll decline i'll write anything that's below instead of referring those i would take these on but once i've reached my capacity limit within that flood catchment for example then i'll stop

So I think that would allow insurers to get competitive advantage, but it would also help with the problems around availability of insurance in kind of flood affected zones.

So I think that combination together is really, really powerful.

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