13 2. Trends in InsurTech KEY TAKEAWAYS FROM THIS CHAPTER: Increasingly sophisticated start-ups are offering greater value, tackling more complex problems through- out the insurance value chain and not only in personal lines Emerging technologies such as AI are increasingly important to the In- surTech sector Collaboration between insurers and InsurTechs remains vital to maxi- mising value; increasing numbers of insurers recognise that, but some must do more