<![CDATA[ORIS Blog]]> https://www.oris.ai/en/blog en Fri, 11 Sep 2026 06:00:00 GMT <![CDATA[Automated decisions in a broker inbox: what changed for UK brokerages in February 2026]]> https://www.oris.ai/en/blog/automated-decisions-broker-inbox-article-22a-duaa https://www.oris.ai/en/blog/automated-decisions-broker-inbox-article-22a-duaa Fri, 11 Sep 2026 06:00:00 GMT <![CDATA[FICA in a brokerage: are you an accountable institution, and what if you are not?]]> https://www.oris.ai/en/blog/fica-accountable-institution-status-south-african-brokerage https://www.oris.ai/en/blog/fica-accountable-institution-status-south-african-brokerage Fri, 11 Sep 2026 06:00:00 GMT <![CDATA[When the insurer is slow to pay: section 13A and what the broker should actually do]]> https://www.oris.ai/en/blog/insurer-slow-to-pay-section-13a-insurance-act-broker-file https://www.oris.ai/en/blog/insurer-slow-to-pay-section-13a-insurance-act-broker-file Fri, 11 Sep 2026 06:00:00 GMT <![CDATA[No premium, no cover: building a reminder calendar for Uganda and Tanzania]]> https://www.oris.ai/en/blog/no-premium-no-cover-uganda-tanzania-broker-reminder-calendar https://www.oris.ai/en/blog/no-premium-no-cover-uganda-tanzania-broker-reminder-calendar Fri, 11 Sep 2026 06:00:00 GMT <![CDATA[Replacement business: what PPR rule 19 asks of your brokerage]]> https://www.oris.ai/en/blog/replacement-policy-advice-record-ppr-rule-19-brokers https://www.oris.ai/en/blog/replacement-policy-advice-record-ppr-rule-19-brokers Thu, 10 Sep 2026 06:00:00 GMT <![CDATA[Sectional title schemes: the insurance a body corporate must actually carry]]> https://www.oris.ai/en/blog/sectional-title-body-corporate-insurance-broker-checks https://www.oris.ai/en/blog/sectional-title-body-corporate-insurance-broker-checks Thu, 10 Sep 2026 06:00:00 GMT <![CDATA[Placing with an unrated insurer: due diligence and client consent]]> https://www.oris.ai/en/blog/unrated-insurer-placement-broker-due-diligence-client-consent https://www.oris.ai/en/blog/unrated-insurer-placement-broker-due-diligence-client-consent Thu, 10 Sep 2026 06:00:00 GMT <![CDATA[When WhatsApp goes down: continuity and incident reporting for brokers]]> https://www.oris.ai/en/blog/whatsapp-outage-brokerage-continuity-operational-incident-reporting https://www.oris.ai/en/blog/whatsapp-outage-brokerage-continuity-operational-incident-reporting Thu, 10 Sep 2026 06:00:00 GMT <![CDATA[Debarring a representative under FAIS section 14: the order of events, and the file]]> https://www.oris.ai/en/blog/fais-debarment-representative-process-brokerage-file https://www.oris.ai/en/blog/fais-debarment-representative-process-brokerage-file Wed, 09 Sep 2026 06:00:00 GMT <![CDATA[Power surge or grid failure? What your client’s policy actually covers]]> https://www.oris.ai/en/blog/power-surge-grid-failure-cover-broker-claim-south-africa https://www.oris.ai/en/blog/power-surge-grid-failure-cover-broker-claim-south-africa Wed, 09 Sep 2026 06:00:00 GMT <![CDATA[EIOPA's AI governance opinion covers intermediaries too: what it asks of a brokerage]]> https://www.oris.ai/en/blog/eiopa-ai-governance-opinion-insurance-intermediaries https://www.oris.ai/en/blog/eiopa-ai-governance-opinion-insurance-intermediaries Tue, 08 Sep 2026 06:00:00 GMT <![CDATA[Is that WhatsApp broadcast a financial promotion? The FCA test for brokerages]]> https://www.oris.ai/en/blog/whatsapp-broadcast-financial-promotion-fca-brokers https://www.oris.ai/en/blog/whatsapp-broadcast-financial-promotion-fca-brokers Tue, 08 Sep 2026 06:00:00 GMT <![CDATA[Before an AI tool touches your client book: the POPIA questions to put to a vendor]]> https://www.oris.ai/en/blog/ai-vendor-popia-operator-cross-border-broker-south-africa https://www.oris.ai/en/blog/ai-vendor-popia-operator-cross-border-broker-south-africa Mon, 07 Sep 2026 06:00:00 GMT <![CDATA[Ireland’s renewal runway is now eight weeks: a chase plan for brokers]]> https://www.oris.ai/en/blog/ireland-renewal-notifications-cpc-2025-broker-chase-plan https://www.oris.ai/en/blog/ireland-renewal-notifications-cpc-2025-broker-chase-plan Mon, 07 Sep 2026 06:00:00 GMT <![CDATA[Repudiated for non-disclosure: what a South African broker’s file has to show]]> https://www.oris.ai/en/blog/material-non-disclosure-repudiated-claim-broker-file-south-africa https://www.oris.ai/en/blog/material-non-disclosure-repudiated-claim-broker-file-south-africa Mon, 07 Sep 2026 06:00:00 GMT <![CDATA[When every month is a renewal: retention for Dutch intermediaries]]> https://www.oris.ai/en/blog/netherlands-monthly-cancellable-policies-retention-intermediaries https://www.oris.ai/en/blog/netherlands-monthly-cancellable-policies-retention-intermediaries Mon, 07 Sep 2026 06:00:00 GMT <![CDATA[Collecting premiums yourself: what section 45 asks of a South African brokerage]]> https://www.oris.ai/en/blog/section-45-premium-collection-south-african-brokerage https://www.oris.ai/en/blog/section-45-premium-collection-south-african-brokerage Sun, 06 Sep 2026 06:00:00 GMT <![CDATA[Selling add-ons: what the rules require when the extra is agreed in a chat]]> https://www.oris.ai/en/blog/selling-add-ons-icobs-6a-optional-additional-products-brokers https://www.oris.ai/en/blog/selling-add-ons-icobs-6a-optional-additional-products-brokers Sun, 06 Sep 2026 06:00:00 GMT <![CDATA[SIM swap and account takeover: protecting the number your clients message]]> https://www.oris.ai/en/blog/whatsapp-account-takeover-sim-swap-brokerage-south-africa https://www.oris.ai/en/blog/whatsapp-account-takeover-sim-swap-brokerage-south-africa Sun, 06 Sep 2026 06:00:00 GMT <![CDATA[Sent, delivered, read: what a WhatsApp status proves when a client says the notice never arrived]]> https://www.oris.ai/en/blog/whatsapp-delivered-read-status-proof-brokers https://www.oris.ai/en/blog/whatsapp-delivered-read-status-proof-brokers Sun, 06 Sep 2026 06:00:00 GMT <![CDATA[Fair value under PROD 4: how a small brokerage evidences its own commission]]> https://www.oris.ai/en/blog/fair-value-prod-4-broker-commission-evidence https://www.oris.ai/en/blog/fair-value-prod-4-broker-commission-evidence Sat, 05 Sep 2026 06:00:00 GMT <![CDATA[FAIS CPD: planning the cycle that closes on 31 May]]> https://www.oris.ai/en/blog/fais-cpd-cycle-planning-brokerage-competence-register https://www.oris.ai/en/blog/fais-cpd-cycle-planning-brokerage-competence-register Sat, 05 Sep 2026 06:00:00 GMT <![CDATA[Notifying a circumstance: the call a broker makes before a claim exists]]> https://www.oris.ai/en/blog/notifying-a-circumstance-claims-made-pi-cover-brokers https://www.oris.ai/en/blog/notifying-a-circumstance-claims-made-pi-cover-brokers Sat, 05 Sep 2026 06:00:00 GMT <![CDATA[Record of advice when the sale happened on WhatsApp]]> https://www.oris.ai/en/blog/record-of-advice-whatsapp-fais-general-code-suitability https://www.oris.ai/en/blog/record-of-advice-whatsapp-fais-general-code-suitability Sat, 05 Sep 2026 06:00:00 GMT <![CDATA[AI drafts in your client inbox, and your own PI renewal: what to check]]> https://www.oris.ai/en/blog/ai-drafted-messages-brokerage-pi-cover-mipru-renewal https://www.oris.ai/en/blog/ai-drafted-messages-brokerage-pi-cover-mipru-renewal Fri, 04 Sep 2026 06:00:00 GMT <![CDATA[Your Consumer Duty board report: the evidence a small brokerage already has]]> https://www.oris.ai/en/blog/consumer-duty-board-report-small-brokerage-evidence https://www.oris.ai/en/blog/consumer-duty-board-report-small-brokerage-evidence Fri, 04 Sep 2026 06:00:00 GMT <![CDATA[Your client says the policy lapsed: grace periods, reinstatement and what a broker may promise]]> https://www.oris.ai/en/blog/lapsed-policy-reinstatement-grace-period-south-africa-brokers https://www.oris.ai/en/blog/lapsed-policy-reinstatement-grace-period-south-africa-brokers Fri, 04 Sep 2026 06:00:00 GMT <![CDATA[Meta business verification for a brokerage: documents, display name and the blue tick]]> https://www.oris.ai/en/blog/meta-business-verification-brokerage-africa-official-business-account https://www.oris.ai/en/blog/meta-business-verification-brokerage-africa-official-business-account Fri, 04 Sep 2026 06:00:00 GMT <![CDATA[Your insurer pulls out of the class: remarketing the book without losing the clients]]> https://www.oris.ai/en/blog/insurer-withdraws-capacity-remarketing-renewal-retention-brokers https://www.oris.ai/en/blog/insurer-withdraws-capacity-remarketing-renewal-retention-brokers Thu, 03 Sep 2026 06:00:00 GMT <![CDATA[AI in a Kenyan broker inbox: automated decisions, the DPIA and the ODPC register]]> https://www.oris.ai/en/blog/kenya-ai-broker-inbox-automated-decisions-odpc-dpia https://www.oris.ai/en/blog/kenya-ai-broker-inbox-automated-decisions-odpc-dpia Thu, 03 Sep 2026 06:00:00 GMT <![CDATA[Your client was injured in a crash: the RAF claim, and where the brokerage stops]]> https://www.oris.ai/en/blog/raf-claim-injured-client-south-african-broker-role https://www.oris.ai/en/blog/raf-claim-injured-client-south-african-broker-role Thu, 03 Sep 2026 06:00:00 GMT <![CDATA[Where your clients’ WhatsApp messages are actually stored, and what to tell your DPO]]> https://www.oris.ai/en/blog/whatsapp-cloud-api-data-residency-eu-uk-brokers https://www.oris.ai/en/blog/whatsapp-cloud-api-data-residency-eu-uk-brokers Thu, 03 Sep 2026 06:00:00 GMT <![CDATA[Claim evidence on WhatsApp: what actually reaches the insurer]]> https://www.oris.ai/en/blog/claim-evidence-whatsapp-photos-voice-notes-brokers https://www.oris.ai/en/blog/claim-evidence-whatsapp-photos-voice-notes-brokers Wed, 02 Sep 2026 06:00:00 GMT <![CDATA[Group funeral schemes: what a broker can actually sell to a burial society]]> https://www.oris.ai/en/blog/group-funeral-scheme-burial-society-broker-south-africa https://www.oris.ai/en/blog/group-funeral-scheme-burial-society-broker-south-africa Wed, 02 Sep 2026 06:00:00 GMT <![CDATA[No premium, no cover: collecting and remitting premium in Nigeria under NIIRA 2025]]> https://www.oris.ai/en/blog/nigeria-premium-collection-remittance-niira-2025-brokers https://www.oris.ai/en/blog/nigeria-premium-collection-remittance-niira-2025-brokers Wed, 02 Sep 2026 06:00:00 GMT <![CDATA[Asking a client to pay over WhatsApp: bank details, fraud and client money]]> https://www.oris.ai/en/blog/premium-payment-requests-whatsapp-app-fraud-client-money https://www.oris.ai/en/blog/premium-payment-requests-whatsapp-app-fraud-client-money Wed, 02 Sep 2026 06:00:00 GMT <![CDATA[Broker fees and commission: what a South African brokerage may charge]]> https://www.oris.ai/en/blog/broker-fees-commission-caps-fee-agreement-south-africa https://www.oris.ai/en/blog/broker-fees-commission-caps-fee-agreement-south-africa Tue, 01 Sep 2026 06:00:00 GMT <![CDATA[Material facts over WhatsApp: capturing a fair presentation of the risk]]> https://www.oris.ai/en/blog/fair-presentation-of-risk-whatsapp-uk-brokers https://www.oris.ai/en/blog/fair-presentation-of-risk-whatsapp-uk-brokers Tue, 01 Sep 2026 06:00:00 GMT <![CDATA[Underinsurance and the average clause: the sum-insured conversation to have before the claim]]> https://www.oris.ai/en/blog/underinsurance-average-clause-sum-insured-review-brokers https://www.oris.ai/en/blog/underinsurance-average-clause-sum-insured-review-brokers Tue, 01 Sep 2026 06:00:00 GMT <![CDATA[Vulnerable clients on WhatsApp: what to spot, what to record, what to change]]> https://www.oris.ai/en/blog/vulnerable-customers-whatsapp-brokers-consumer-duty https://www.oris.ai/en/blog/vulnerable-customers-whatsapp-brokers-consumer-duty Tue, 01 Sep 2026 06:00:00 GMT <![CDATA[Buying a book of business: moving clients, consent and the WhatsApp inbox]]> https://www.oris.ai/en/blog/buying-a-broker-book-client-transfer-popia-whatsapp-opt-in https://www.oris.ai/en/blog/buying-a-broker-book-client-transfer-popia-whatsapp-opt-in Mon, 31 Aug 2026 06:00:00 GMT <![CDATA[When a client is retrenched: the cover that pays, and the cover to save]]> https://www.oris.ai/en/blog/client-retrenched-credit-life-cover-keeping-policies-in-force https://www.oris.ai/en/blog/client-retrenched-credit-life-cover-keeping-policies-in-force Mon, 31 Aug 2026 06:00:00 GMT <![CDATA[Does your AI-assisted WhatsApp inbox need a DPIA? A broker screening test]]> https://www.oris.ai/en/blog/dpia-ai-assisted-whatsapp-inbox-uk-broker https://www.oris.ai/en/blog/dpia-ai-assisted-whatsapp-inbox-uk-broker Mon, 31 Aug 2026 06:00:00 GMT <![CDATA[Referrals and introducers: what a broker may pay for, and what the client must be told]]> https://www.oris.ai/en/blog/referral-fees-introducers-uk-brokers-fca-rules https://www.oris.ai/en/blog/referral-fees-introducers-uk-brokers-fca-rules Mon, 31 Aug 2026 06:00:00 GMT <![CDATA[Your AI reads isiZulu less accurately than English: test the inbox before you automate]]> https://www.oris.ai/en/blog/ai-sentiment-african-languages-broker-inbox-testing https://www.oris.ai/en/blog/ai-sentiment-african-languages-broker-inbox-testing Sun, 30 Aug 2026 06:00:00 GMT <![CDATA[A client asks to cancel on WhatsApp: cooling-off, mid-term rules and the retention conversation]]> https://www.oris.ai/en/blog/client-asks-to-cancel-cooling-off-mid-term-whatsapp-brokers https://www.oris.ai/en/blog/client-asks-to-cancel-cooling-off-mid-term-whatsapp-brokers Sun, 30 Aug 2026 06:00:00 GMT <![CDATA[Disputed debit orders: the 60-day rule and the mandate trail a brokerage needs]]> https://www.oris.ai/en/blog/debit-order-disputes-60-day-rule-brokerage-mandate-trail https://www.oris.ai/en/blog/debit-order-disputes-60-day-rule-brokerage-mandate-trail Sun, 30 Aug 2026 06:00:00 GMT <![CDATA[Your WhatsApp display name is a client-facing disclosure: trading names and Meta review]]> https://www.oris.ai/en/blog/whatsapp-display-name-brokerage-trading-name-fca-register https://www.oris.ai/en/blog/whatsapp-display-name-brokerage-trading-name-fca-register Sun, 30 Aug 2026 06:00:00 GMT <![CDATA[Hail, flood, storm: running a claims surge without losing the book]]> https://www.oris.ai/en/blog/catastrophe-claims-surge-brokerage-whatsapp-plan https://www.oris.ai/en/blog/catastrophe-claims-surge-brokerage-whatsapp-plan Sat, 29 Aug 2026 06:00:00 GMT <![CDATA[What a brokerage really pays to message clients on WhatsApp]]> https://www.oris.ai/en/blog/whatsapp-per-message-pricing-brokerage-message-mix https://www.oris.ai/en/blog/whatsapp-per-message-pricing-brokerage-message-mix Sat, 29 Aug 2026 06:00:00 GMT