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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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Data Ethics • 2 min read

Regulators issue Two Important Papers on Algorithms

The UK’s Digital Regulation Cooperation Forum has just issued two ‘call for input’ papers that insurers should pay attention to. These point to some joint regulatory initiatives ahead. One paper is on the benefits and harms of algorithms, and the other on auditing algorithms.…
Duncan Minty
Duncan Minty •
The Two Unknowns Forming Around the Ethnicity Penalty public
Discrimination • 4 min read

The Two Unknowns Forming Around the Ethnicity Penalty

Two unknowns are forming around the ethnicity penalty research at the moment. Insurers, consumer groups and trade bodies are talking about one of them. The other is not being mentioned. In this analysis piece, I’m going to explore both and what insurers can do in relation to each of them.…
Duncan Minty
Duncan Minty •
What the EHRC’s New Strategy Means for Insurers public
Discrimination • 4 min read

What the EHRC’s New Strategy Means for Insurers

Around the same time as Citizens Advice published its report on the ethnicity penalty, the Equalities and Human Rights Commission published its strategy for 2022-2025. It’s worthwhile taking a look at, for it will shape the EHRC’s response to this whole issue of discriminatory pricing.…
Duncan Minty
Duncan Minty •
How Diverse are the Digital Teams Working in Insurance? public
Discrimination • 2 min read

How Diverse are the Digital Teams Working in Insurance?

There’s a big obvious question that doesn’t seem to have been raised so far in relation to the Citizens Advice ethnicity penalty report. It’s this - to what degree does the problem in pricing set out in their report reflect a problem with the diversity of the people working in digital insurance?…
Duncan Minty
Duncan Minty •
Checking Ethical Culture - the Self-Serving Bias public
Ethical Culture • 3 min read

Checking Ethical Culture - the Self-Serving Bias

Insurance people have a lot on their radars nowadays. The wide range of rating factors and the increased variety of products are behind much of this. Not surprisingly, we start to apply filters to all this information. That however opens the door to an ethical problem called the self-serving bias.…
Duncan Minty
Duncan Minty •
What the FCA Strategy Tells Us about What Lies Ahead public
Regulation • 7 min read

What the FCA Strategy Tells Us about What Lies Ahead

The FCA has been talking boldly in recent years about its journey to become a data driven regulator. And their strategy and business plan published last week set out how they intend to do this. So how bold is it, and what are the implications, from an ethical perspective, for insurers?…
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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