The dynamic development of modern technologies has changed the rules of the game in the financial market, including the insurance sector. While introducing digital business models may bring certain advantages for insurers, there is a widespread expectation of consumers to manage their financial affairs anytime and anywhere. This article sets out by demonstrating recent phenomena on the insurance market arising from its digitalisation, i.e., automation, personalisation, insurance on-demand, machine learning & artificial intelligence, Big Data, concluding distance contracts; along with the threats to consumer safety they pose a cyber risk that may materialise at different stages of the digital insurance selling process. Further, to provide insights into how modern digital insurance markets work, the article presents the results of a study conducted by the authors on a representative sample of 2,136 respondents from Poland. The study allows one to identify certain behaviour patterns of customers in their dealings with providers of insurance products and services as well as their approach to technological innovations introduced by the traders. Crucially, the study shows that insurance consumers have a positive attitude towards the use of modern technologies in insurance, however, their knowledge on this subject is still limited. Specifically, insurance consumers tend to be more afraid of cyber risks than any legal risks resulting from deploying new technologies in the insurance sector. In conclusion, the article maps out key regulatory challenges related to ensuring consumer protection on digital insurance markets.

中文翻译：

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波兰保险科技市场的调查结果可作为监管机构的路线图

现代技术的蓬勃发展改变了包括保险业在内的金融市场的游戏规则。虽然引入数字化商业模式可能会给保险公司带来一定的优势，但消费者普遍期望能够随时随地管理自己的财务。本文通过展示保险市场数字化带来的最新现象，即自动化、个性化、按需保险、机器学习和人工智能、大数据、签订远程合同；除了对消费者安全的威胁之外，它们还带来了网络风险，这种风险可能会在数字保险销售过程的不同阶段显现。此外，为了深入了解现代数字保险市场的运作方式，本文介绍了作者对来自波兰的 2,136 名受访者的代表性样本进行的研究结果。这项研究使人们能够识别客户在与保险产品和服务提供商打交道时的某些行为模式，以及他们对交易者引入的技术创新的方法。至关重要的是，研究表明，保险消费者对在保险中使用现代技术持积极态度，但他们对这一主题的了解仍然有限。具体而言，保险消费者往往更害怕网络风险，而不是在保险行业部署新技术所带来的任何法律风险。总之，本文列出了与确保数字保险市场消费者保护相关的关键监管挑战。