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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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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 and Training • 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
• 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 •
Warning Signals about Dark Patterns in Insurance Marketing public
Marketing • 5 min read

Warning Signals about Dark Patterns in Insurance Marketing

Insurance marketing is big business. As it moves online, the tracking of sales pipelines fuels marketing practices to increase returns on all that investment. EIOPA has published examples of dark patterns it has found on the websites of EU insurers. Yet it’s missed a key part of the bigger picture.…
Duncan Minty
Duncan Minty •
Strong Opinions Emerge on Data Use in Counter Fraud public
Counter Fraud • 8 min read

Strong Opinions Emerge on Data Use in Counter Fraud

A detailed survey of US consumers found that support for the use of data to combat insurance fraud is strong, but very conditional upon the proper handling of ethical issues. I examine the message being sent to insurers by the US public, and what UK insurers can learn from it.…
Duncan Minty
Duncan Minty •
Interesting Survey of Public Attitudes to Data and AI public
Data Ethics • 4 min read

Interesting Survey of Public Attitudes to Data and AI

The UK Government’s unit for enabling trustworthy digital innovation has published the second wave of its survey of public attitudes to data and AI. Given the low levels of trust that consumers have in how insurers handling their data, the survey’s findings are worth a closer look.…
Duncan Minty
Duncan Minty •
A Big Red Flag has been attached to Emotional AI public
Data Ethics • 8 min read

A Big Red Flag has been attached to Emotional AI

The UK’s data protection regulator has raised a big red flag over the use of emotional AI. Not only do such systems fail to meet data protection requirements, but they also come with other serious ethical issues. So what does this mean for insurers, and how should they respond?…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

218+
Underwriting

Underwriting

166+
Accountability

Accountability

112+
Regulation

Regulation

95+
Fairness

Fairness

88+
Personalisation

Personalisation

75+
Discrimination

Discrimination

67+
Claims

Claims

51+
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