AI, digitalisation and insurtech in African insurance are posing fresh consumer protection risks – from data privacy breaches and algorithmic bias to low digital literacy putting consumers at risk of purchasing opaque app‑based policies. Insurtech and bundled products on mobile money apps are scaling fast across borders, creating challenges to cross-border supervision. With the AfCFTA pushing prudential harmonisation and CIMA already aligning rules across 14 markets, can regulators also achieve full Pan-African alignment on digital insurance standards?