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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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The Clash of Narratives in Life and Health Insurance public
Underwriting • 2 min read

The Clash of Narratives in Life and Health Insurance

There are two narratives becoming established around life and health underwriting, and they don’t fit well together. What they point to is an uncertain future for how rating will evolve. Insurance is a risk business, yet could this uncertainty be perhaps the biggest risk of them all?…
Duncan Minty
Duncan Minty •
The EU Digital Fairness Act : A Crucible for Fairness? public
Fairness • 5 min read

The EU Digital Fairness Act : A Crucible for Fairness?

The next three years will see some form of ‘Digital Fairness’ legislation take shape in the EU. There is much to be negotiated, but one of the key themes to be addressed will be commercial practices around digital profiling and personalisation. What will be the implications then for insurers?…
Duncan Minty
Duncan Minty •
Insurance and the Importance of Words and Language public
Personalisation • 6 min read

Insurance and the Importance of Words and Language

The big structural change in insurance is the trend from pooling to personalisation. It has lots of implications, and in consequence, lots of views about how they should be weighed up. If a consensus is to be reached, it is vital that words and language are chosen carefully and used correctly.…
Duncan Minty
Duncan Minty •
The Huge Health Data Disruption has Arrived public
Regulation • 3 min read

The Huge Health Data Disruption has Arrived

The final wording of the EU’s Health Data Space regulation is out, and the implications for insurers are significant. Not only is there a prohibition on insurers’ use of secondary health data, but as I anticipated, what counts as such data is wide. Insurers need to move with care here.…
Duncan Minty
Duncan Minty •
Is the Go Away Approach Right for Digital Insurance? public
Underwriting • 6 min read

Is the Go Away Approach Right for Digital Insurance?

‘Go away’ renewals have been around insurance for a long time. Originating in the personal motor market, they’re now used more widely. So what impact do they have on consumers? And how do they sit alongside all that pricing signal sophistication? Two distinct views need to be balanced.…
Duncan Minty
Duncan Minty •
Detriment: Insurers and the Regulator Need a Big Picture public
Fairness • 8 min read

Detriment: Insurers and the Regulator Need a Big Picture

How well do UK insurers understand consumer detriment? Enough, many would suggest. That is open to challenge, as would a similar assertion by the regulator. So what are they missing? I’m going to share some thoughts about detriment, as I think it is hindering the sector's transformation.…
Duncan Minty
Duncan Minty •
The Social Scoring Ban – Confusion for Insurers public
Underwriting • 6 min read

The Social Scoring Ban – Confusion for Insurers

Should insurers feel reassured by EU guidance about the prohibition on social scoring in the AI Act? It would be easy for them to think that way. The problem is that the guidance has some flawed assumptions about insurance. When those are corrected, the prohibition should be taken very seriously.…
Duncan Minty
Duncan Minty •
The Problems that Insurer Data Sharing Must Address public
Accountability • 7 min read

The Problems that Insurer Data Sharing Must Address

Insurers have a lot of data, and they often share it with each other. That’s good, right? The answer depends on what they plan to do with it and how well they manage those arrangements. So how are UK insurers performing on those two points? I weigh up the questions that the sector needs to address.…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

204+
Underwriting

Underwriting

148+
Regulation

Regulation

84+
Fairness

Fairness

82+
Accountability

Accountability

81+
Personalisation

Personalisation

71+
Discrimination

Discrimination

65+
Claims

Claims

50+
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