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Duncan Minty

Duncan Minty

Duncan has been researching and writing about ethics in insurance for over 20 years. As a Chartered Insurance Practitioner, he combines market knowledge with a strong and independent radar on ethics.
531 posts •
Duncan Minty
Should Minimum Insurance be Mandated to boost Resilience public
Personalisation • 6 min read

Should Minimum Insurance be Mandated to boost Resilience

The financial resilience of UK society is widely seen to be declining. People are caught between the trend in finance to take more responsibility for personal risks and the increasingly granular pricing of those risks. Is the solution to be found in some form of mandatory minimum insurance cover?…
Duncan Minty
Duncan Minty •
Data Ethics & Insurance : New Initiatives, Hard Decisions public
Data Ethics • 7 min read

Data Ethics & Insurance : New Initiatives, Hard Decisions

Several initiatives on data ethics will be launched in the UK insurance sector in 2024. That’s great, but those commitments need to reflect what consumers are concerned about. This means a lot of risk assessment and implementation work. So what are the hard decisions that will inevitably be faced?…
Duncan Minty
Duncan Minty •
Fairness as a Service : a Step Forward for Insurers public
Fairness • 8 min read

Fairness as a Service : a Step Forward for Insurers

A data and analytics provider to the insurance sector has launched fairness as a service. It’s orientated around the US requirement that insurers do not unfairly discriminate. It’s the sort of service that a recent UK Gov. report called for. I examine how it works and what it points to.…
Duncan Minty
Duncan Minty •
Embedded Insurance and Manufactured Vulnerability public
Marketing • 6 min read

Embedded Insurance and Manufactured Vulnerability

Embedded insurance is a form of hyper-personalisation designed to present the right product to you just when you need it and most likely to buy it. In short, data fuelled prescriptive marketing. Yet if marketing is about persuasion, how do insurers steer clear of digital manipulation?…
Duncan Minty
Duncan Minty •
Being Human - Insurance and the Right to Move On public
Autonomy • 6 min read

Being Human - Insurance and the Right to Move On

The digital world that insurers operate in sees data being retained for long periods of time. That view is based upon the influence of moral hazard and character. Yet part of being human is to evolve and move on, to leave behind who we used to be. I examine this dilemma and identify the challenges.…
Duncan Minty
Duncan Minty •
How to Waiver a Conflict of Interest public
Conflicts of Interest • 2 min read

How to Waiver a Conflict of Interest

Conflicts of interest are widespread across insurance. Many of them are too fundamental to be eliminated, but they still need to be managed. There may be occasions when one way to manage the conflict of interest is simply to accept it. So what conditions should apply to such situations?…
Duncan Minty
Duncan Minty •
Tensions Around Insurance and Mental Health Apps public
Underwriting • 6 min read

Tensions Around Insurance and Mental Health Apps

The insurance sector is interested in mental health. Support for their employees and those of clients is part of this. There’s also an underwriting interest in how mental health presents. There are tensions around these two things though, with important ethical questions needing to be addressed.…
Duncan Minty
Duncan Minty •
Telematics + In-Car Sensing = Unique Ethical Issues public
Data Ethics • 7 min read

Telematics + In-Car Sensing = Unique Ethical Issues

Telematics and in-car sensors create huge amounts of data that can be used to gauge all sorts of things about the people in the car. Emotional AI is part of this, offering lots of potential, but also some highly emotive risks. I look at the key themes that insurers need to have on their radars.…
Duncan Minty
Duncan Minty •
Why the FCA’s Views on AI Regulation are a Gamble public
Regulation • 5 min read

Why the FCA’s Views on AI Regulation are a Gamble

The FCA has sent a strong signal to insurers that they will not be pushing for any new regulations relating to AI. Confidence in the impact of existing regulations is clearly high. Yet what matters at the moment will be speed of impact. Are the FCA taking an almighty gamble? And will it pay off?…
Duncan Minty
Duncan Minty •
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