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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Risk Variables Are On Their Way Out public
Underwriting 3 min read

Risk Variables Are On Their Way Out

Underwriters have relied on risk variables for a very long time. After all, how would insurance work without them! Yet is their unique status on its way out? When motor insurers use 1000+ rating factors, what does this say about how insurance is now priced? More than just on risk, clearly.…
Duncan Minty
Duncan Minty
Suspicious Thinking and Insurance Counter Fraud public
Counter Fraud 5 min read

Suspicious Thinking and Insurance Counter Fraud

Insurers are on the lookout for suspicious things all the time. It helps ensure that consumers pay a fair premium. Yet how insurers go about this is hugely important. How is suspicion judged? How does this affect products and services?  I explore the ethical side of how the sector handles suspicion.…
Duncan Minty
Duncan Minty
The Keystone for Delivering Effective Data Ethics public
Data Ethics 5 min read

The Keystone for Delivering Effective Data Ethics

Data ethics has lots of dimensions. You may be tempted to think that expertise in each of those dimensions will reap the results being sought. Only to a degree though. Running through all of them is an issue that is age old to insurance. If you don’t get this one right, all others will be suffer.…
Duncan Minty
Duncan Minty
The Tectonic Plates of Insurance Have Just Moved public
Discrimination 3 min read

The Tectonic Plates of Insurance Have Just Moved

A US federal court has ruled on a long standing and hugely important case for property insurers. It pushed back insurers’ treasured ‘right to underwrite’ and the status of ‘objective actuarial data’. As I predicted 2 years ago, the tectonic plates for what is fair in insurance have just been moved.…
Duncan Minty
Duncan Minty
There Will Be More Than One Future to Insurance public
Personalisation 4 min read

There Will Be More Than One Future to Insurance

A lot of thinking about the future of insurance is premised upon the notion that personalisation is that future. Yet the future of insurance is so important, it’s vital not to just assume that this is the only way forward. I look at other ways in which it is likely to be envisioned.…
Duncan Minty
Duncan Minty
Why Secondary Data Could Turn Toxic for Insurers public
Discrimination 4 min read

Why Secondary Data Could Turn Toxic for Insurers

Digital innovations are helping the sector break new ground in how policies are underwritten. The problem is that some practices could be landing insurers outside of the law. This is not bias in data or analytics. This is ill advised decisions around the strategic use of secondary data.…
Duncan Minty
Duncan Minty
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