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FAQs

WHAT IS THE CODE’S INTENTION?

This Voluntary Code of Conduct for the Use of AI in Claims is definitely not another layer of compliance-driven management to be imposed upon the industry. It has no legislative, authorized, or regulatory basis and is not intended to duplicate or replace other initiatives that may, in the fullness of time, flow from sources such as the FCA., FOS, or other bodies.

Instead, as time, tide and the pace of technological change wait for no one we are seeking to establish a broad consensus on the proper use of AI in advance of sometimes slow-moving authorities. With AI already being debated, delivered, and deployed in claims departments (and their suppliers) across the land it is clear that the time for action is right now and not some indeterminate time in the future.

Of course, there are many sectors of the insurance industry that are also already using AI. Pricing, underwriting, counter-fraud, risk management and many others. However, as a voluntary collaborative body of expertise, we could not hope to cover all the bases and answer all the questions that the use of AI in the insurance world poses. Instead we chose to focus on our primary area of expertise - claims and the supply chains that deliver a vast range of settlement services to individuals, SMEs, and corporates.

The intention has been to deliver a simple set of guidelines that will help all those involved in AI design and deployment to stop, think, and properly consider the basis on which AI is to be used.

We hope we have succeeded.

FAQs

  • The Code has been deliberately drafted to reflect recent government guidance on the key issues that need to be considered when adopting AI. The sections therefore mimic those key topics for consideration. Namely:

    • Safety, Security, and Robustness

    • Transparency and Explainability

    • Fairness

    • Accountability and Governance

    • Contestability and Redress

    As with the government guidance, there is much debate as to the exact meaning of these terms and especially when applied to the niche sector of claims and supply chain. However, we felt that this terminology would become a part of the AI landscape across many industries and it therefore seemed appropriate to draft our Code with these parameters in mind.

    We have then applied these broad topic areas to the claims and supply chain sectors and some of the specific issues that are faced by practitioners at all employment and accountability.

    For the sake of our debates and the drafting of this Code, we have also applied the OECD definition of an AI system as the working basis for our discussions:

    ‘An AI system is a machine-based system that, for explicit or implicit objectives, infers, from the input it receives, how to generate outputs such as predictions, content, recommendations, or decisions that can influence physical or virtual environments. Different AI systems vary in their levels of autonomy and adaptiveness after deployment’

  • Perhaps you will consider the wider positioning of the Code as a broad guide to ethical behaviours that would stand you and your business in good stead. So you will still choose to sign it.

    We have not attempted to cater in detail for every situation in every company, but we hope that the guidance the Code provides will prove to be of value in stimulating the right debate amongst the right people and help them to make the right decisions at the right time.

  • Any company, organisation, or individual who considers themselves to be part of the claims and supply chain sector of the insurance industry.

  • That’s fine. You can go ahead and sign the Code and use the guidance provided to inform you and your colleagues in any subsequent internal debate. When signing the code as an individual you can choose whether to declare your employer and the position that you hold within the business.

  • Please take as much time as you need to consider the validity of the Code as it applies to you and feel free to contact us if you have any queries. You may sign the Code at any time.

  • Not at this stage. There may well be revisions of the Code in the future as the regulatory and legislative environment develops. You would then be able to contribute to any future debate on how the Code might be adapted.

  • No. The Code is a voluntary exercise in cross-industry collaboration and enforcement is a matter for each signatory. We hope that your moral conscience and a willingness to be acknowledged as a signatory will guide you in your adherence to the Code along with knowledgeable debate amongst colleagues.

  • No. Signing the Code and having your name/logo displayed on the Code of Conduct website is entirely free of charge. If you wish to display the Code of Conduct logo in any of your literature, publicity, or as part of an email signature there is the option to make a voluntary donation to help defray expenses.

    Should you opt not to make a voluntary donation then that is a matter entirely for you and we fully respect your decision. You may still use the logo and publicise your support of the Code.

  • Visit the website on 31st January 2024 where you will see the instructions on how to sign the Code.

    If you are struggling to sign the Code via the website after it launches on 31st January, then please reach out to info@aicodeofconduct.co.uk.

  • Unless instructed otherwise your name/logo will feature on the website and may be used in any additional publicity concerned with the Code of Conduct. We hope you will go on to use the Code in your business, if applicable, or as an individual and inform all stakeholders affected by AI deployments of your support of the Code.

  • Whether or not you have made a voluntary donation, you may use the logo on any of your materials, email signatures, websites, or other promotional media. You may also promote your support of the Code of Conduct in any way that you see fit including the use of social media outlets. On signing the Code, we will despatch illustration files of the logo for you to use.

If you would like to download a booklet that contains all the information listed on this website as well as an advanced copy of the Code in a single PDF that we encourage you to read and share, please click here.