SCIKIQ IIB Motor 360 demo
AI assistant on
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Use 18 · AI · Writes · Motor, Health, Life, Other Lines

A weekly briefing for each Vertical Head

IIB Board AI Pack, page 20. First phase. Built here on synthetic data.

Today. Vertical Heads follow their numbers through monthly reports and dashboards. A sharp change can sit unnoticed until someone spots it in the figures.

What would change. Every week AI writes a one-page note for each Vertical Head from that week's numbers: what moved, the likely reasons and what needs a look. It includes the vertical's weekly alert, and an analyst checks it before it goes out.

Who would use it. The four Vertical Heads and the CEO
Data it uses. Weekly prepared data for each vertical, and the weekly alerts · synthetic
When. First phase

This week across the four verticals

The typical question

A typical question. “What changed in Life this week, and what is behind it?”
Motor claims, last 6 weeks
2,469
2.2% above the usual level. Normal variation.
Policies issued, last 6 weeks
37,820
2.7% below the usual level. Policy files arrive monthly.
Alerts this week
1
Changes that passed the alert level.
The note for the Motor Vertical Head, week ending 4 October 2026

Written from a fixed template, because the AI draft had the wrong number of paragraphs. This is the Weekly briefing's own text.

Telangana two-wheeler claims up 68% against the usual level

In the 6 weeks to 4 October 2026 the demo sample had 2,469 motor claims. That is 2.2% above the usual level for this time of year. This change is small and may be noise. Policies issued, new and renewed, were 2.7% below the usual level in the 6 weeks to 27 September. The file checks held back 1,310 policy rows from these weeks, more than the shortfall, so this fall is likely missing data, not lost sales.

Telangana two-wheeler claims were 77 in the last 6 weeks, against a usual level of about 46 for this time of year. That is 68% above usual, which is very unusual. By claim type, theft claims were 19 against about 3, own damage claims were 52 against about 38 and third party claims were 6 against about 5. 13 insurers have more claims than usual. The biggest single rise is 5 claims, at Insurer J.

Also worth watching. Haryana two-wheeler policies issued were down 10%, which is unusual. Part of this drop is likely missing data, not lost sales. The file checks held back 53 rows of Insurer K's September policies file in Haryana. Jharkhand two-wheeler policies issued were down 14%, which is very unusual. Part of this drop is likely missing data, not lost sales. The file checks held back 24 rows of Insurer K's September policies file in Jharkhand.

Madhya Pradesh two-wheeler claims were up 20%. Madhya Pradesh private car claims were up 26%. These are within normal variation.

1 movement passed the alert level. Please record an outcome on each alert below.

No AI was used for this text. The template was given the 5 biggest changes in motor and the totals for the demo sample, from the Weekly briefing. Insurer code names only. No personal data. State totals only for this role.

Show the figures the note was written from
{
  "briefing_week": "28 September 2026 to 4 October 2026",
  "claims_period": "24 August 2026 to 4 October 2026",
  "policies_period": "17 August 2026 to 27 September 2026",
  "policy_figures_weeks_behind_claims": 1,
  "sample_totals": {
    "claims_last_6_weeks": 2469,
    "claims_usual_level": 2416,
    "claims_change_pct": 2.2,
    "claims_direction": "up",
    "claims_in_briefing_week": 424,
    "policies_issued_last_6_weeks": 37820,
    "policies_issued_usual_level": 38889,
    "policies_issued_change_pct": 2.7,
    "policies_issued_direction": "down",
    "policies_issued_means": "new and renewed policies",
    "claims_how_unusual": "normal variation",
    "policies_issued_how_unusual": "very unusual",
    "policy_rows_held_back_by_the_file_checks": 1310,
    "comparison": "every change is against the usual level for this time of year, not the previous period"
  },
  "insurers_in_total": 25,
  "movements": [
    {
      "rank": 1,
      "state": "Telangana",
      "vehicle_class": "two-wheeler",
      "measure": "claims",
      "direction": "up",
      "last_6_weeks": 77,
      "usual_level": 46,
      "change_pct": 68,
      "how_unusual": "very unusual",
      "alert": true,
      "period": "24 August 2026 to 4 October 2026",
      "drivers": {
        "claim_type": [
          {
            "claim_type": "theft",
            "last_6_weeks": 19,
            "usual_level": 3,
            "above_usual": 16
          },
          {
            "claim_type": "own damage",
            "last_6_weeks": 52,
            "usual_level": 38,
            "above_usual": 14
          },
          {
            "claim_type": "third party",
            "last_6_weeks": 6,
            "usual_level": 5,
            "above_usual": 1
          }
        ],
        "insurer": [
          {
            "insurer": "Insurer J",
            "last_6_weeks": 6,
            "usual_level": 1,
            "above_usual": 5
          },
          {
            "insurer": "Insurer F",
            "last_6_weeks": 8,
            "usual_level": 3,
            "above_usual": 5
          },
          {
            "insurer": "Insurer S",
            "last_6_weeks": 8,
            "usual_level": 4,
            "above_usual": 4
          }
        ]
      },
      "insurers_with_a_rise": 13,
      "biggest_single_insurer": {
        "insurer": "Insurer J",
        "above_usual": 5
      },
      "theft": {
        "last_6_weeks": 19,
        "usual_level": 3,
        "times_usual_level": 6
      }
    },
    {
      "rank": 2,
      "state": "Haryana",
      "vehicle_class": "two-wheeler",
      "measure": "policies issued",
      "direction": "down",
      "last_6_weeks": 786,
      "usual_level": 869,
      "change_pct": 10,
      "how_unusual": "unusual",
      "alert": false,
      "period": "17 August 2026 to 27 September 2026",
      "drivers": {
        "cover_type": [
          {
            "cover_type": "comprehensive",
            "last_6_weeks": 385,
            "usual_level": 437,
            "below_usual": 52
          },
          {
            "cover_type": "third party only",
            "last_6_weeks": 341,
            "usual_level": 377,
            "below_usual": 36
          }
        ],
        "insurer": [
          {
            "insurer": "Insurer K",
            "last_6_weeks": 42,
            "usual_level": 66,
            "below_usual": 24
          },
          {
            "insurer": "Insurer Y",
            "last_6_weeks": 44,
            "usual_level": 56,
            "below_usual": 12
          },
          {
            "insurer": "Insurer S",
            "last_6_weeks": 47,
            "usual_level": 56,
            "below_usual": 9
          }
        ]
      },
      "insurers_with_a_fall": 17,
      "biggest_single_insurer": {
        "insurer": "Insurer K",
        "below_usual": 24
      },
      "held_back": [
        {
          "insurer": "Insurer K",
          "file": "September policies file",
          "rows_held_back_in_state": 53,
          "up_to_this_many_in_this_movement": 36,
          "insurer_shortfall": 24,
          "meaning": "likely missing data, not lost sales"
        }
      ]
    },
    {
      "rank": 3,
      "state": "Madhya Pradesh",
      "vehicle_class": "two-wheeler",
      "measure": "claims",
      "direction": "up",
      "last_6_weeks": 116,
      "usual_level": 96,
      "change_pct": 20,
      "how_unusual": "normal variation",
      "alert": false,
      "period": "24 August 2026 to 4 October 2026",
      "drivers": {
        "claim_type": [
          {
            "claim_type": "own damage",
            "last_6_weeks": 88,
            "usual_level": 72,
            "above_usual": 16
          },
          {
            "claim_type": "third party",
            "last_6_weeks": 14,
            "usual_level": 9,
            "above_usual": 5
          }
        ],
        "insurer": [
          {
            "insurer": "Insurer W",
            "last_6_weeks": 12,
            "usual_level": 6,
            "above_usual": 6
          },
          {
            "insurer": "Insurer S",
            "last_6_weeks": 9,
            "usual_level": 6,
            "above_usual": 3
          },
          {
            "insurer": "Insurer Q",
            "last_6_weeks": 5,
            "usual_level": 2,
            "above_usual": 3
          }
        ]
      },
      "insurers_with_a_rise": 11,
      "biggest_single_insurer": {
        "insurer": "Insurer W",
        "above_usual": 6
      }
    },
    {
      "rank": 4,
      "state": "Madhya Pradesh",
      "vehicle_class": "private car",
      "measure": "claims",
      "direction": "up",
      "last_6_weeks": 61,
      "usual_level": 48,
      "change_pct": 26,
      "how_unusual": "normal variation",
      "alert": false,
      "period": "24 August 2026 to 4 October 2026",
      "drivers": {
        "claim_type": [
          {
            "claim_type": "own damage",
            "last_6_weeks": 54,
            "usual_level": 41,
            "above_usual": 13
          },
          {
            "claim_type": "third party",
            "last_6_weeks": 7,
            "usual_level": 6,
            "above_usual": 1
          }
        ],
        "insurer": [
          {
            "insurer": "Insurer Y",
            "last_6_weeks": 7,
            "usual_level": 2,
            "above_usual": 5
          },
          {
            "insurer": "Insurer D",
            "last_6_weeks": 4,
            "usual_level": 2,
            "above_usual": 2
          },
          {
            "insurer": "Insurer M",
            "last_6_weeks": 3,
            "usual_level": 1,
            "above_usual": 2
          }
        ]
      },
      "insurers_with_a_rise": 9,
      "biggest_single_insurer": {
        "insurer": "Insurer Y",
        "above_usual": 5
      }
    },
    {
      "rank": 5,
      "state": "Jharkhand",
      "vehicle_class": "two-wheeler",
      "measure": "policies issued",
      "direction": "down",
      "last_6_weeks": 462,
      "usual_level": 535,
      "change_pct": 14,
      "how_unusual": "very unusual",
      "alert": false,
      "period": "17 August 2026 to 27 September 2026",
      "drivers": {
        "cover_type": [
          {
            "cover_type": "third party only",
            "last_6_weeks": 202,
            "usual_level": 239,
            "below_usual": 37
          },
          {
            "cover_type": "comprehensive",
            "last_6_weeks": 234,
            "usual_level": 262,
            "below_usual": 28
          },
          {
            "cover_type": "own damage only",
            "last_6_weeks": 26,
            "usual_level": 34,
            "below_usual": 8
          }
        ],
        "insurer": [
          {
            "insurer": "Insurer K",
            "last_6_weeks": 16,
            "usual_level": 43,
            "below_usual": 27
          },
          {
            "insurer": "Insurer Y",
            "last_6_weeks": 23,
            "usual_level": 37,
            "below_usual": 14
          },
          {
            "insurer": "Insurer P",
            "last_6_weeks": 35,
            "usual_level": 46,
            "below_usual": 11
          }
        ]
      },
      "insurers_with_a_fall": 15,
      "biggest_single_insurer": {
        "insurer": "Insurer K",
        "below_usual": 27
      },
      "held_back": [
        {
          "insurer": "Insurer K",
          "file": "September policies file",
          "rows_held_back_in_state": 24,
          "up_to_this_many_in_this_movement": 17,
          "insurer_shortfall": 27,
          "meaning": "likely missing data, not lost sales"
        }
      ]
    }
  ],
  "alerts": 1,
  "rto_detail": false
}

The analyst's check

Draft Version 1.

Only the Analyst role approves a note or sends it back. A note goes out once it is approved.

What moved in Motor

Movement Last 6 weeksUsual levelChangeHow unusual Alert
Telangana two-wheeler claims77about 46+68.0% Very unusual alert
Haryana two-wheeler policies issued786about 869-10.0% Unusual
Madhya Pradesh two-wheeler claims116about 96+20.0% Normal variation
Madhya Pradesh private car claims61about 48+26.0% Normal variation
Jharkhand two-wheeler policies issued462about 535-14.0% Very unusual

The last 6 weeks are 24 August to 4 October 2026. Each figure is compared with the usual level for this time of year: the level of the 26 weeks before, scaled by how the same weeks went last year. Motor's figures are the Weekly briefing's, one movement per state and vehicle class. Open the Weekly briefing for the drivers and the outcomes.

Motor claims, week by week

20 weeks shown, up to 4 October 2026. The grey line is the usual weekly level for the last 6 weeks. Every state and vehicle class together.

This week's alert: Telangana two-wheeler claims, up 68%

Telangana two-wheeler claims, up 68%

Very unusual for this time of year. 77 in the last 6 weeks against about 46.

From use 4, claims early warning, the Motor vertical's weekly alert. A flag is for review by a person. Open claims early warning to record an outcome on each item.

How we would measure it

How we would measure it: Four in five briefings judged useful without rework by an analyst
No reviews yet
No note has been approved or sent back yet, so there is no figure. The analyst checks each note on this page, and the share is worked out from those checks.
The problems below were built into the test data on purpose, so this shows the notes can carry problems like them. It is checked live, for the notes this role reads. The real test is a pilot: analysts read real notes for some weeks and record whether each one could go out without rework.

Each note against its planted problem

Notes that name their planted problem
4 of 4
In the note this role reads, at the detail this role may see.
Planted problems the weekly alerts caught
4 of 4
The alert each note carries.
VerticalPlanted problemIn the alertNamed in the noteNote written by
MotorTwo-wheeler claims and thefts rising in Telangana Yes Ranked 1 of 5 movements, an alert. Yes The template
Health6 hospitals billing about 2.1 times similar hospitals Yes 6 of 6 planted hospitals flagged, and no other. Yes Azure OpenAI
LifeEarly death claims on PoS policies in 2 districts of Bihar Yes The Bihar PoS cluster is flagged at state level. Yes Azure OpenAI
Other LinesInsured warehouse value building up in one district of Maharashtra Yes Maharashtra warehouses flagged. Yes Azure OpenAI

Named means the note's own words name the planted place: Telangana two-wheelers for Motor, one of the planted hospitals for Health, Bihar and PoS for Life, and Maharashtra warehouses for Other Lines. This is a check on words, not a judgement of how good the note is. That judgement is the analyst's.

How it works

Every week the page gathers each vertical's figures: its headline numbers for the last 6 weeks against the usual level for this time of year, where each change sits, and the vertical's weekly alert. Azure OpenAI writes a short note from those figures only. Every number in the note is checked against them, and so is the house style. A draft that fails is rewritten once, then a fixed template is used, and the page says which wrote each note. Motor's note is the Weekly briefing, written the same way. The analyst then approves each note or sends it back with a comment.

The method in full, and the technical terms

The usual level for the last 6 weeks is the weekly level of the 26 weeks before them, scaled by a seasonal index: how the same 6 weeks last year compared with the 26 weeks before those. Early death claims and death claims told late borrow the index of all death claims, and the amount claimed on property borrows the index of property claims, because the smaller series are too thin to show a season of their own.

How unusual a change is comes from a z-score: the gap from the usual level divided by its expected spread. The spread allows for chance in the counts, for week to week swings seen in the 26 weeks (measured robustly, so one storm week does not set it), and for the uncertainty in last year's index. Very unusual is 2.5 or more, unusual is 2 or more, the same thresholds as the Weekly briefing.

Where a change sits uses the same rule as the Weekly briefing: each state, district, group or insurer's figure less its own usual level, the levels adding up to the whole's. Each keeps its own season where it has the volume to show one, pulled towards the whole's season when it is small. The note only names those that carry a sixth of the change or more.

Notes are kept against a fingerprint of their figures (a hash), so the same week's figures are written once. Notes the AI wrote are kept on disk, so an approved note stays the same after a restart. Reviews are kept in the app database, one row per action, in the table briefing_review.

No personal data is read for this page: the figures come from the prepared weekly views, which hold none. The AI reads insurer code names only. The AI drafts and an analyst decides what goes out. This use needs no outside data, so nothing on it is mock.