This article explores the way sensors, the IoT and consumers are converging and impacting insurance. Add to this the emergence of new platforms like 360Globalnet which add video and photographic data analysis to telematics, machine data and structured/unstructured data to give a complete and contextual picture for insurance companies. 

Technology disruption that favours the brave but with the right culture can be exploited without disruption.

As always, to implement better decision making and and execution will require a combination of:-

Embedded analytics

Self-service analytics

Visual analytics