Dougie Willins

Dougie Willins

Dougie Willins is a Senior Consultant at Oxbow Partners and an analyst on our Market Intelligence product. You can reach him at

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Dougie's latest posts

Unpicking the growth vs. profitability dilemma in InsurTech

Hyper-growth vs. sustainable profitability: do you have to sacrifice one to gain the other?

TechExec – Dan Woods, CEO at Socotra

In this month’s TechExec we talk to Dan Woods, CEO at cloud-based policy administration vendor Socotra.

Who’s drinking all the Lemonade?

On 2nd July 2020, Lemonade filed its IPO, valuing the company at $1.6 billion. But […]

Data & Analytics benchmark in Corporate & Specialty

Oxbow Partners recently completed the second edition of its Data and Analytics (D&A) benchmark study […]

TechExec: Alex Zukerman, CMO & Chief Strategy Officer at Sapiens

In this month’s TechExec interview we talk to Alex Zukerman the CMO and Chief Strategy […]

An unfashionable, and maybe unpopular, view on the Lemonade IPO

Lemonade, the full stack InsurTech that launched in 2016, went public today in New York. […]

Should COVID-19 accelerate digital transformation?

The trading environment is evolving and (re)insurers and brokers must accelerate their digital transformation

SSP, wake-up call, the £40m turnaround

In the third of our TechExec series we interview Steve Lathrope, CEO at SSP Worldwide

Future at Lloyd’s: Blueprint One COVID-19 Update

The most recent update comes in response to the COVID-19 pandemic which has required Lloyd’s […]

The Four Ages of Insurance Technology

In this post we explore how technology has evolved over four ages and how technology […]

Staying at Home with Mark Eastham, CEO of Avantia

Avantia is a UK-based non-standard home insurance MGA, and Member of the 2020 InsurTech Impact […]

Suitability, transparency, certainty: The three imperatives for post-Covid insurance propositions

On 1 May the UK regulator, the FCA, announced that it expects insurers to “consider […]

TechExec: Raja Singh, GM Insurance at Vlocity

In the second instalment of our TechExec interview series we are interviewing Raja Singh Vlocity’s […]

Coronavirus – Life Post Lockdown

One of the most common questions the Oxbow Partners team was being asked by clients […]

Video series: Working from home during the lockdown for Assistants

Over here at Oxbow Partners we’ve been thinking about how we can best support the […]

TechExec: Tim Hardcastle, CEO INSTANDA

In this first in the series of ‘TechExec’ we interview Tim Hardcastle, CEO at INSTANDA […]

Covid-19 and why virtual organisations need stronger corporate purpose

Covid-19 could be either a “reputational dividend or tax” for the industry and individual companies. […]

Coronavirus Update: 20 March

Our weekly note on the Coronavirus impact on UK insurance

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Exchanging skills and opportunities in these tricky times

Enforced remote working: Some clients share their experience so far

Some anecdotes and tips from our clients at the end of week 1

Q&A with CyberCube

We recently caught up with Pascal Millaire, CEO of CyberCube, one of our 2020 InsurTech Impact 25 Members. […]

Q&A – Smart Contracts

In our latest guest blog, Nicholas Berry, a corporate partner specialising in the insurance sector […]

Future at Lloyd’s: Blueprint One Update

This blog post looks at progress made in the transition phase (September 2019 to February […]

Why a public debate is required to define and implement “fairness” in insurance pricing

The FCA will soon be publishing its final report on pricing practices in the UK […]

FCA Pricing Practices Market Study: Our survey results

We recently conducted a survey of C-Suite executives about their expectations of the forthcoming FCA […]

InsurTech Impact 2021 – how to apply

Tell us if you know any InsurTechs we should follow for the 2021 Impact 25

Impact 25 2020: Barbarians, Samaritans or Trojans at the gate?

On 19 February Oxbow Partners will publish the third edition of the InsurTech Impact 25. […]

InsurTech InsurTech Impact 25 2020: “Peak InsurTech” or the start of a new phase?

Some have called “peak InsurTech” – but “mega-deals” were the trend in Q4 2019

The rise of technology ecosystems

Legacy platforms are a barrier to growth: incumbents should rethink their approach to technology

Oxbow Partners publishes ‘Tip of the Iceberg’ report

On 8th January 2020, Oxbow Partners has published ‘The Tip of the Iceberg: InsurTech Activity […]

UK motor insurance prices hardening in November

From our Market Intelligence team: motor insurance rates increased in November for the second consecutive […]

Our 2020 Christmas letter

We wish our clients all the best for 2020 in our annual Christmas letter

Volunteering at Sound Minds

Lucy Alphonse talks about her experience volunteering at Sound Minds, a mental health charity

Starling Bank Ecosystem: The future of bancassurance?

Starling Bank is a UK-based digital “challenger” bank. The bank serves both retail and business […]

The Tip of the Iceberg: InsurTech Activity in Life and Health insurance and Pensions and Investment

Some thoughts from our forthcoming life, health, pensions and investments report

Data and Analytics Benchmark 2019

Apply now. Oxbow Partners will be running its data and analytics capability benchmark study and […]

B3i and the opportunities of digital reinsurance placement

There are huge opportunities for cedents and reinsurers to use technology in the placement process

Renewing my scooter insurance 2019

My renewal experience this year was just as terrible as in previous years – what […]

InsurTech Impact 25: What our members say

82% of our Members reported that the Impact 25 generated inbound enquires from VCs and […]

InsurTech Impact 25 2020: Applications are open

We are looking for 25 emerging technology-led businesses well placed to have an impact on […]

Brexit: Impact on UK motor claims

From our Market Intelligence team: we foresee an increase in claims inflation due to customs […]

FCA market study on pricing practices: The Oxbow Partners view

The FCA’s proposals have gone considerably further than most executives would have liked

FCA market study on pricing practices: Summary of proposed remedies

Our summary of the 11 remedies implied in the report

Future At Lloyd’s: The Oxbow Partners View

We dissect the Future At Lloyd’s and identify four assumptions implicit in the Blueprint

Future At Lloyd’s: Blueprint One in a nutshell

Oxbow Partners’ summary of the six solutions outlined in the Future At Lloyd’s Blueprint One

InsureTech Connect 2019: What to expect

Ahead of next month’s event in Las Vegas, Dougie Willins caught up with Co-founder and […]

UK H1 personal lines results: What we learnt

We take a look at the main themes arising from the H1 2019 results of […]

Agile operating models

Insurers need to be more agile – our maturity framework helps companies understand their progress […]

Age Reinvented: Some thoughts from Saga’s recent conference

UK over-50s insurer Saga hosted the conference Age Reinvented: Changing Perceptions of Age; Dougie Willins […]

5 actions to refresh your SME strategy

Digital is advancing in SME insurance – insurers need to make strategic and technology choices

Global Business Units: 5 critical actions for building an effective operating model

Structuring global business units poses particular challenges for insurers. We explore five critical actions for […]

InsurTech Ireland: Three takeways from May’s event

Oxbow Partners sponsored this week’s InsurTech Ireland meetup; here are three takeaways

Structuring data teams: burgers, jam doughnuts or smoothies

Infographic taking a look at how insurers organise their data teams

Lemonade’s $300m funding round and what incumbents should look out for when it expands into Europe

Lemonade’s expansion into Europe in 2019 has the potential to turn fundamental assumptions about how […]

“Innovation Leader” or “Non-innovator”? AM Best publishes its draft methodology for scoring innovation

AM Best, the rating agency, published draft methodology on the scoring and assessing of innovation […]

InsurTech Radio interviews Chris Sandilands

Chris Sandilands talks about the future of insurance with Conor Sweetman, host of InsurTech Radio

Oxbow Partners publishes the 2019 InsurTech Impact 25

Oxbow Partners has today published its 2019 InsurTech Impact 25, revealing the 25 technology-led businesses […]

Adapting agile for the corporate environment

For most corporates, the point at which the primary execution risk moves from being a […]

Choosing a next generation insurance system

8 tips for selecting the right core insurance system

Our 2019 Christmas letter

Bitesize InsurTech is on holiday until January; to fill the vacuum we thought we’d write […]

Applications open: InsurTech Impact 25 2019

Applications for the Impact 25 2018 are open

Renewing my scooter insurance 2018

There are issues in the insurance buying journey that could merit regulatory intervention

Recommendations open: InsurTech Impact 25 2019

Recommendations are open for the InsurTech Impact 25 2019 – tell us who should be […]

InsurTech-led Change in the Lloyd’s Market: A Primer and Strategic Guiderails for Managing Agents

This report, sponsored by the Lloyd’s Market Association, helps corporate & speciality insurers understand the […]

‘AWS moments’: The overlooked disruptive force in commercial and specialty insurance

There does not need to be an ‘Uber moment’ for corporate & specialty insurers to […]

Meet our guests on stage: Insurance 3.0 2018

InsurTech does Take Me Out: An InsurTech discussion in the format of a dating show

Lloyd’s Lab: Who are the startups in its first cohort?

Lloyd’s recently announced the first cohort for its Lab


We are delighted to be Content Partners for Insurance3.0, taking place on 21st September.

Internships at Oxbow Partners: A Day in the Life

Oxbow Partners hires interns from top schools who are keen on consulting and provides them […]

PREMIUM: Getting under the skin of exposure – a case study in pharma

An example of how commercial / industrial insurers can improve their underwriting decision-making – right […]

Distribution vs. Supplier InsurTechs

The key to understanding InsurTech is to remember that the term covers two fundamentally different […]

How to be a great intern

How to excel in your consulting internship

Oxbow Partners announced as Content Partner for Insurance 3.0 Conference

Oxbow Partners will be the Content Partner for Insurance 3.0, the conference which will move […]

Pioneer or follower: The importance of setting objectives for your innovation strategy

A successful innovation strategy requires insurers to define where they are pioneers and where they […]

Oxbow Partners House View May 2018: Blockchain

Greg Brown argues that the unique advantages of blockchain are not necessarily well aligned with […]

Emerging technology ‘s-curves’ in insurance

We consider how a framework for assessing the maturity of innovation applies to insurance

Recruiting event: LMH Oxford

Come to our recruitment event for jobs and internships

Why InsurTech now matters for corporate and specialty insurers

When InsurTech sprung to prominence in 2015 most startups were focusing on personal lines ‘disruption’. […]

InsurTech Impact 25 2018

25 technology-led businesses well placed to impact the insurance industry in 2018, and analysis of […]

Oxbow Partners launches InsurTech Impact 25

Oxbow Partners is launching the InsurTech Impact 25 Forum. The objective of the Forum is […]

Christopher Hess joins Oxbow Partners from Scottish Widows / Lloyds Banking Group Insurance

Oxbow Partners has announced that Christopher Hess, formerly the Business Development Director at Scottish Widows […]

FT survey: Oxbow Partners is one of UK’s leading management consultancies

Recommendations by clients and peers rank us at the same level as McKinsey and Oliver […]

Oxbow Partners InsurTech Impact 25

We are delighted to announce that we will be launching the InsurTech Impact 25 in […]

Eight things you need to know about Zhong An

Zhong An is variously a startup Chinese insurance company, a tech startup, and the first […]

Renewing my scooter insurance 2017

Chris Sandilands argues that some personal lines propositions would benefit from parametric triggers

Bitesize InsurTech Does Breakfast: ITC 2017

On the 19th October we held a Bitesize InsurTech breakfast to share perspectives on InsurTech […]

PREMIUM: We interview Daniel Schreiber, CEO of Lemonade

We interview Lemonade’s CEO and confirm our view that evolution, not revolution, is ahead for […]

Motor Claims 2040: Are Insurers Ready?

By 2040 motor claims frequency could decline by 65% and claims teams will be significantly […]

ReInsurTech: The New Wave of InsurTech?

Oxbow Partners takes a look at how ReInsurTech could affect the reinsurance value-chain.

Video: What challenges does regulation pose for InsurTechs?

Chris Sandilands interviews Nico Berry, Partner at Norton Rose Fulbright, about the challenges that regulation […]

Video: Market Minds 2017

Watch us talk InsurTech at Market Minds 2017

RBC Capital Markets: InsurTech Conversation with Oxbow Partners

RBC Capital Markets recently asked Oxbow Partners about their views on InsurTech: download the research […]

Video: Will InsurTech be disruptive for the insurance industry?

Chris Sandilands considers whether InsurTech is going to be disruptive for the insurance industry in […]

Meet the panellists: InsureTech Connect 2017

Meet the panellists for the Oxbow Partners session at ITC 2017

Meet the panellists: Market Minds 2017

Oxbow Partners is hosting a panel at Market Minds 2017: meet the particiapants

What Lemonade’s customer reviews teach us

Chris Sandilands argues that customers still love speaking to people

InsurTech investment: Healthy lumps

Q2 InsurTech investment volumes reach $985m driven by health startups

How InsurTech could shift profits in the industry

It’s debatable whether InsurTech will disrupt insurance; more likely it will shift profits in the […]

Stuart Davies joins Oxbow Partners as Chairman

Oxbow Partners has announced that Stuart Davies, former Group CEO of Sompo Canopius, has been […]

What to read on the beach: InsurTech edition

InsurTech startups’ recommendations for what to read on the beach this summer.

Partnering with startups: A failed experiment?

Chris Sandilands wonders whether corporates should change the way they partner with startups

Lemonade: What the numbers say

Oxbow Partners analyses Lemonade’s recently published policy and claims data to assess current performance and […]

What is Data Science? An interview with Orlando Machado at Aviva

Greg Brown talks to Orlando Machado, Aviva’s Director of Customer Analytics and Data Science about […]

Brokers: Wake up and smell the Lemonade

Brokers could be more vulnerable to disruption by InsurTech than insurers – they need to […]

InsurTech – and how it could change insurance

Chris Sandilands’s keynote address to the Slovenian Insurance Association

In Memoriam: Why InsurTech startups fail and how insurers can help

Startup success is not guaranteed: Greg Brown interviewed some InsurTech startups to find out why […]

Insurance Technology Ecosystem of the Future

Greg Brown describes the scalable, future-proof technology ecosystem that all personal lines and SME insurers […]

StartupBootcamp 2017 Demo Day: Our views

Scott Griffiths summarises the pitches of the ten startups participating at StartupBootcamp InsurTech Demo Day

The GDPR: What you need to know

Nick Pester, Partner and Head of the Insurance and InsurTech team at Capital Law, provides […]

The UK InsurTech sector’s emerging funding problem

A startup Founder explains why EIS eligibility is a real problem for UK InsurTech startups

Three messages from InsurTech Expo 2017

George Hanks shares three messages he took away from InsurTech Expo 2017

Managing Innovation: Are you strategic or reactive?

Our infographic looks at how corporates should organise their innovation activities

Cementing London as an InsurTech hub

George Hanks reports back from the recent All Party Parliamentary Group at the House of […]

Minigolf 2017: We have a winner!

On Thursday 23rd February Oxbow Partners held its inaugural minigolf tournament. The winners were…

Shoot the messenger: Lessons from Trump’s data-driven election victory for the insurance industry

Chris Sandilands considers how the use of data in Trump’s election victory could affect the […]

Brexit: Forget Article 50 – it’s the other 5+ negotiations that matter

Will Straw, Executive Director of Britain Stronger in Europe, the Remain campaign in the EU […]

InsurTech 2017: Hype vs. impact

There has been a lot of hype around many InsurTech. Greg Brown discusses where he […]

Crisis at Christmas

Chris Sandilands talks about his experience volunteering in a homeless shelter at Christmas.

Using machine learning to turbo-charge customer insight

Edwin Chung and Wayne Chen, members of the Oxbow Partners Expert Network, share some thoughts […]

InsurTech 2017: Infographic

InsurTech is coming of age. Chris Sandilands outlines eight possible responses available to incumbent insurers […]

InsurTech 2017: How insurers and brokers can respond

InsurTech is coming of age. Chris Sandilands outlines eight possible responses available to incumbent insurers […]

Five things to consider before allocating responsibility for innovation in your company

Here are five things to consider before building your innovation capability.

Admiral and Anti-Social Data

Sam Gilbert, CMO of Bought By Many, provides his perspective on the Admiral firstcarquote debacle.

Customer research doesn’t work

Greg Brown argues that traditional customer research methods are not relevant in the digital age […]

Broker networks: Infographic

Broker networks are a material but sometimes overlooked feature on the insurance landscape. We asked […]

What goes to Vegas and doesn’t stay in Vegas

Las Vegas was the host of InsureTech Connect in October 2016. We asked some attendees […]

Oxbow Partners is Hiring!

Manager Job Description: Oxbow Partners is hiring a manager to deliver client engagements. Click here […]

Peer to Peer Insurance: What are you?

There’s much talk about peer to peer insurance at the moment – but what is […]

5 practical tips for building a digital business

Greg Brown argues that setting up a “pure-play” digital business is not just about moving […]

A Millennial’s Guide to Social Media

A millennial’s guide on where to go and the ‘dos and do nots’ in the […]

Artificial Intelligence: everything you need to know but are too afraid to ask

Greg Brown sets out the fundamentals of Artificial Intelligence, what it is, why you should […]

Portfolio divestments: How Oxbow Partners helps

Business and portfolio sale processes are often stressful and slightly chaotic. Things don’t need to […]

5 pro tips for painless portfolio transfers

Portfolio transfers are arguably more fiddly transactions than sales of whole entities. In this blog […]

InsurTech Start-ups: 50% of insurtech startups are in the distribution space

Using our database of Insurtech startups we have compiled an infographic that brings to life […]

Policy Admin Systems – what to do when there’s too much choice

Greg Brown discusses the benefits and challenges the vast range of policy admin systems creates.

What to read on the beach

Oxbow Partners’ recommendations for what to read on the beach this summer.

Six characteristics of an Agile Strategy™ project

Traditional approaches to strategy consulting do not meet the needs of modern organisations. The solution: […]

Broker networks survey: Networks doing well, but room for improvement

Oxbow partners have launched a survey to investigate brokers’ views on networks, rather than what […]

Sharing economy – finally some sharer friendly insurance

Charlie Burgess explores the problems insurers face in embracing sharing economy models, the implications for […]

Brexit: Keep calm and carry on

There was a stunned hush in the office and the City on 24 June as […]

Strategy is dead. Long live Agile Strategy™.

Chris Sandilands explains why Oxbow Partners believes traditional approaches to consulting are often ineffective, and […]

Policy Administration Systems: Your Flexible Friend?

Greg Brown and Chris Scollo navigate the market of new policy administration systems designed to […]

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Actionable metrics: Rethinking management information

Chris Sandilands argues that commercial insurers and brokers should rethink their MI to support fact-based […]

The FCA Sandbox: A Regulatory Startup

After the successful launch of FCA Innovate in 2014 it followed up with the FCA […]

Gaining Additional Value From Solvency II

The implementation of Solvency II has been a huge and expensive challenge for the industry, […]

Reflections on the German insurance market

Chris Sandilands offers some reflections on the German insurance market, focusing on digital, talent – […]

Oxbow Partners InsurTech Startups Research

We asked 25 InsurTech startups about their experiences of creating something from scratch and identified […]

Contribute to our report on broker networks!

If you’re a broker, please contribute to our survey of networks for a ground-breaking industry […]

Startup techniques that can help insurance companies build better strategy and propositions

Greg Brown argues that insurance innovation teams should spend less time worrying about finding the […]

Building an innovation risk sandbox: What to expect from your CRO

Mike Steel argues that insurers should implement a “risk sandbox” that allows teams to innovate […]

P2P Insurance: Tricky social risks in need of bespoke regulation

Charlie Burgess argues that P2P insurance and P2P lending are similar in name only, and […]

Uber for claims – How the ‘gig economy’ could disrupt the loss adjusting sector

Chris Sandilands argues that the loss adjusting process is perfectly suited to being disrupted by […]

Insurance startups: 5 tips for partnering

Greg Brown argues that established insurers should embrace the differences they have with startups and […]

Oxbow Partners Briefing: The Simply Business Sale to Aquiline Capital Partners

This article dissects all of the publicly available information AnaCap’s sale of Simply Business to […]

Blockchain – 5 lessons I’ve learnt on the road to enlightenment

Greg Brown dispels 5 myths about Blockchain to help insurers better understand the value Blockchain […]

2016 UK broker M&A – Oxbow Partners’ predictions

Oxbow Partners’ views on the insurance broker M&A themes in 2016.

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