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Everything we publish in one place — blog posts, case studies, research, guides, and news & press on embedded insurance in the Kingdom.
Latest writing
Quarterly Saudi insurance tracker: Q4 2026
The forward edition: five questions the fourth quarter will answer about Saudi insurance — pricing discipline, the loss-making tail, consolidation — and the baselines we will score them against.
Yasmina Research · 3 min readInsurance penetration in Saudi Arabia: the gap behind the growth
Premiums keep setting records, yet insurance was still only 1.64% of Saudi GDP in 2023. What the penetration numbers measure, what they hide, and where the gap actually closes.
Yasmina Research · 4 min readThe claims moment: what embedded distribution owes the customer after the sale
Selling a policy in one tap creates an expectation the claim will feel the same. It usually doesn’t — and the gap is where embedded insurance will earn or lose its reputation.
Yasmina Product · 6 min readHow to evaluate an embedded insurance platform: a buyer’s checklist
Twenty questions across licensing, product depth, integration, economics and operations — with the red flags that should end a conversation early.
Yasmina Product · 6 min readAttach-rate benchmarks 2026: embedded insurance across five categories
What share of eligible transactions actually convert to policies? Benchmarks from live journeys across motor, medical, travel, property and specialty lines.
Yasmina Research · 8 min readOpen insurance is coming the way open banking did: slowly, then by regulation
Europe’s FiDA framework would make insurers share customer data through APIs on request. What open insurance means, why regulators are pushing it, and what the GCC should take from the story.
Yasmina Editorial · 6 min readDesigning insurance APIs: what we stole from payments, and what we couldn’t
Payment APIs taught a generation of developers what good infrastructure feels like. Insurance can borrow most of that playbook — but three properties of insurance break the analogy, and the API design has to absorb them.
Yasmina Engineering · 7 min readA CFO's guide to forecasting embedded insurance revenue
Embedded insurance revenue is forecastable from five variables you mostly already track. How to build the model, where each input comes from, and where forecasts usually break.
Yasmina Research · 5 min readUsage-based motor insurance: what a decade of telematics programmes taught the industry
Telematics was going to reprice motor insurance around behaviour. A decade on, the results are real but selective — and the lessons matter for every data-rich distribution channel.
Yasmina Research · 7 min readUnderinsurance in SMEs: measuring the protection gap that bites at claim time
Underinsurance is invisible until the claim cheque arrives short. What broker research actually measures, why average clauses cut payouts, and what would close the gap.
Yasmina Research · 5 min readQuarterly Saudi insurance tracker: Q3 2026
A mid-quarter read: the Insurance Authority put 2025 at SAR 84.3 billion in premiums, Q1 2026 profits jumped 34%, and Q2 results season shows the leaders pulling further ahead of a struggling tail.
Yasmina Research · 3 min readFraud detection is a data problem before it is a model problem
US insurance fraud alone is estimated at $308.6 billion a year. The engineering lesson from two decades of fighting it: detection quality is set by the data you join, not the model you pick.
Yasmina Engineering · 7 min read