The Aim of this research is to identify influence, usage, and the benefits of AI (Artificial Intelligence) and ML (Machine learning) using big data analytics in Insurance sector. Insurance sector is the most volatile industry since multiple natural influences like Brexit, pandemic, covid 19, Climate changes, Volcano interruptions. This research paper will be used to explore potential scope and use cases for AI, ML and Big data processing in Insurance sector for Automate claim processing, fraud prevention, predictive analytics, and trend analysis towards possible cause for business losses or benefits. Empirical quantitative research method is used to verify the model with the sample of UK insurance sector analysis. This research will conclude some practical insights for Insurance companies using AI, ML, Big data processing and Cloud computing for the better client satisfaction, predictive analysis, and trending.