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Ethics and Insurance

I help insurers achieve greater certainty on ethical issues, both present and emerging. I have a reputation for foresight, pragmatism and independent thinking, particularly around data ethics. You can keep in touch with my analysis through my free weekly ‘Ethics and Insurance’ newsletter. Join below
Ethics and Insurance
What I do

Insight

I help insurers understand developments in insurance from an ethical perspective and the options open to them. My analysis delivers an extra level of understanding from an independent perspective
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Critical Friend

Insurers face some ethical challenges at the moment – I’ve been tracking them for several years. My role as a critical friend helps them to reality check their thinking and turn a situation into a plan.
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Horizon Scanning

I’ve been an influential figure in analysing the implications of digital insurance for several years now. Through workshops and research, my ethics radar highlights the problems and opportunities to look out for.
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Latest posts
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More Political Scrutiny of Insurance Pricing public
Underwriting • 3 min read

More Political Scrutiny of Insurance Pricing

The Treasury Committee’s session yesterday on insurance saw consumer groups, insurers and the regulator have their say on pricing in motor and home markets. Nothing revealing or new emerged, but what was very clear was that pressure on the sector to be more transparent is about to rise again.…
Duncan Minty
Duncan Minty •
Are Insurers Ready for GDPR 2.0? public
Privacy • 6 min read

Are Insurers Ready for GDPR 2.0?

The GDPR may have felt pretty seismic when it came into force in 2018, but like many a step change in law, it contained compromises. All things digital have moved on a lot since then. As a result, the prospect of some form of GDPR 2.0 is on the horizon. So what are the implications for insurers?…
Duncan Minty
Duncan Minty •
A Lot of Life Insurers Are Navigating AI Blind public
Data Ethics • 4 min read

A Lot of Life Insurers Are Navigating AI Blind

A US regulatory organisation recently published a revealing survey about life insurers and their use of AI. For all the talk about responsible innovation, the reality in the life sector seems very different. Lack of accountability points to some serious problems ahead for life insurers.…
Duncan Minty
Duncan Minty •
Failings in Motor Claims Raise Accountability Questions public
Claims • 4 min read

Failings in Motor Claims Raise Accountability Questions

Several unfair practices have been identified in total loss claims in the UK motor insurance market. On the face of it, this seems like a numbers problem. Yet this is far from being a ‘which valuation is right’ issue. This is about people and how they decide to shape important decisions.…
Duncan Minty
Duncan Minty •
Building Fairness Feedback Loops into AI Systems public
Fairness • 3 min read

Building Fairness Feedback Loops into AI Systems

We are hearing a lot about AI ethics at the moment. It’s important, but still only one aspect of the situation. Another aspect would be the use of AI to facilitate more ethical decisions. By this, I don’t mean on a system wide basis, but in micro decision scenarios. It’s an idea worth exploring.…
Duncan Minty
Duncan Minty •
A Significant Development on Bias in US Insurance public
Discrimination • 4 min read

A Significant Development on Bias in US Insurance

Many in the sector are focussing on the ethics of AI decision systems. It’s important but an equally immediate issue is insurers’ use of secondary data. A recent legislative move in the US illustrates this. There are deep currents at play here. I unpick the layers and look at the implications.…
Duncan Minty
Duncan Minty •
The Ethnicity Penalty : What the BBC Research Points To public
Discrimination • 5 min read

The Ethnicity Penalty : What the BBC Research Points To

The debate about discriminatory pricing in UK motor insurance developed further this week, with a BBC news investigation publishing findings pretty much in line with what Citizens Advice have been reporting for two years now. What does this mean for UK motor insurers, and how should they respond?…
Duncan Minty
Duncan Minty •
Invisible Insurance - The Next Big Thing? public
Marketing • 4 min read

Invisible Insurance - The Next Big Thing?

Embedded insurance comes in three forms: soft, hard and invisible. Each comes with ethical implications, but none more so than invisible embedded. What does it mean to provide consumers with invisible insurance? Is it the future of distribution, or a disaster in the making? I explore it here.…
Duncan Minty
Duncan Minty •
Hardening Attitudes to Insurance Lobbying public
Regulation • 3 min read

Hardening Attitudes to Insurance Lobbying

Insurers invest a lot of money in trade bodies. Their role is to formulate sector level policy and lobby policy makers on members’ interests. However that lobbying seems to be having less impact. Insurers’ no longer have the most convincing message. The implications of this are significant.…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

206+
Underwriting

Underwriting

153+
Accountability

Accountability

107+
Regulation

Regulation

85+
Fairness

Fairness

75+
Personalisation

Personalisation

68+
Discrimination

Discrimination

64+
Ethical Culture

Ethical Culture

47+
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