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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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Bias in the Pricing of Italian Motor Insurance public
Underwriting • 2 min read

Bias in the Pricing of Italian Motor Insurance

The UK is not the only country in which concerns are being raised about the fairness of insurance pricing. A recent analysis of the Italian motor market points to problems there. The researchers found issues around ethnicity, plus something interesting on gender.…
Duncan Minty
Duncan Minty •
Insurance as a Common Good public
Fairness • 3 min read

Insurance as a Common Good

Could insurance be considered as a form of common good? And if so, how might that have come about? And more importantly, how might it influence the way in which insurance markets are allowed to digitally transform?…
Duncan Minty
Duncan Minty •
Moving from Healthcare Data to Lifestyle Data public
Underwriting • 3 min read

Moving from Healthcare Data to Lifestyle Data

With the EU proposing to ban the secondary use of electronic health data for insurance purposes, the sector was always going to be looking for other ways to rate life and health risk. And a recent paper by an executive at Swiss Re illustrates gives some insight into how this is being addressed.…
Duncan Minty
Duncan Minty •
Ethics, Claims and the Cost of Living Crisis public
Claims • 7 min read

Ethics, Claims and the Cost of Living Crisis

The cost of living crisis will have impacts across insurance. At the forefront will be claims, with increased settlements and concerns around fraud. Many insurers will turn to the digital tools widely used now in claims decisions. Yet in doing so, what ethical risks might they stir up?…
Duncan Minty
Duncan Minty •
Sentiment Analysis – Treat with Caution public
Data Ethics • 3 min read

Sentiment Analysis – Treat with Caution

The increase in remote working triggered by the pandemic caused Zoom to become a popular tool for holding meetings and speaking with clients. Now Zoom is to allow account holders to carry out sentiment analysis on those they are engaging with. I explore what it means for insurers.…
Duncan Minty
Duncan Minty •
Pay Attention to Undue Pressure public
Leadership on Ethics • 2 min read

Pay Attention to Undue Pressure

How a person responds to the ethics of a situation will be influenced by several things. Character is one, plus the skills and knowledge they’ve learnt. Yet what can sometimes render all these ineffective is something firmly in the hands of the firm’s leadership. It’s undue pressure.…
Duncan Minty
Duncan Minty •
Is Adverse Selection being Replaced by Inverse Selection? public
Underwriting • 4 min read

Is Adverse Selection being Replaced by Inverse Selection?

Insurers have long been concerned about adverse selection. They see today’s data and analytics as helping them reduce their exposure to it. Yet that explosion of data and analytics could not just reduce adverse selection, but flip it over, creating what is being called inverse selection.…
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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