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 fortnightly ‘Ethics and Insurance’ newsletter.
Ethics and Insurance
What I do

Insight

I keep insurers informed about ethical developments, allowing them to understand complex issues 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 a range of 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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How Consumers Balance Behavioural Insurance with Autonomy public
Autonomy 5 min read

How Consumers Balance Behavioural Insurance with Autonomy

How do consumers balance the data tracking inherent in behavioural life and health policies, with concerns about autonomy? Recent research has looked at what consumers say and do in relation to devices such as smart watches. I explore what this tells insurers about the design of such policies.…
Duncan Minty
Duncan Minty
Grim Findings for Insurers’ Digital Strategies public
Data Ethics 4 min read

Grim Findings for Insurers’ Digital Strategies

A survey by Policygenius about insurance and technology has found that more than 6 in 10 US consumers would not install data-sharing devices for any discount amount. Where does this leave the sector’s proponents of ‘ecospheres of prevention’ and usage based insurance? I explore the implications.…
Duncan Minty
Duncan Minty
These claims practices are indefensible public
Claims 6 min read

These claims practices are indefensible

The FCA has warned insurers not to undervalue total loss settlements, with a particular emphasis put on motor claims. And their warning makes specific mention of not incentivising staff to engage in potentially harmful claims settlement practices. I analyse the implications for claims people.…
Duncan Minty
Duncan Minty
Do Insurers have the Right Ethics Resource? public
Ethical Skills 4 min read

Do Insurers have the Right Ethics Resource?

A number of ethical challenges are circulating around insurance. Managing them so that they don’t disrupt the insurer’s business model requires expertise and experience. Yet how well resourced are insurers for this? As we head towards 2023, I set out some parameters for answering that question.…
Duncan Minty
Duncan Minty
Free Guide : How to deliver Leadership on Ethics public
Free Guides 8 min read

Free Guide : How to deliver Leadership on Ethics

Ethics is like any other part of your business – it needs leadership. Sure, we’re all good people, wanting to ‘do the right thing’. That’s not enough though – ethics needs to be organised so that it delivers on the commitments that the business had made.…
Duncan Minty
Duncan Minty
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