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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.
547 posts •
Duncan Minty
A New Trade Off Will Reshape Insurance Innovation public
Fairness • 8 min read

A New Trade Off Will Reshape Insurance Innovation

Trade offs are common when insurers judge the ethics of this or that decision. Key to this is how various conflicting interests are balanced. One particular trade off is coming to the fore now, and insurers need to adjust their human and digital systems to accommodate it. This article explains why.…
Duncan Minty
Duncan Minty •
What the FCA’s Problems Bode for Insurers public
Regulation • 5 min read

What the FCA’s Problems Bode for Insurers

An all-party group of MPs within the UK Parliament has issued a damning report on the FCA. It has certainly stirred up debate around the conclusions it reached. I think it will have a lasting impact, but not in the way commentators are thinking. For insurers, the consequences could be serious.…
Duncan Minty
Duncan Minty •
The Problem with Most Responsible AI Initiatives public
Data Ethics • 8 min read

The Problem with Most Responsible AI Initiatives

Every month sees guidance and standards issued about ‘Responsible AI’. Lift a few lids though and it becomes apparent that much of this output is one-sided. To properly address the issues associated with AI, insurers need to look beyond the technical. New research shows us how to get started.…
Duncan Minty
Duncan Minty •
When Firms Become Criminally Liable for Fraud public
Counter Fraud • 6 min read

When Firms Become Criminally Liable for Fraud

The UK Government has issued guidance on new legislation that holds firms to account for failing to prevent fraud. So what is its relevance to insurers? There are key triggers involved, and then the exposures are significant. I explore the ins and outs, including the references to ethics.…
Duncan Minty
Duncan Minty •
Delivering Fair Repudiations public
Claims • 5 min read

Delivering Fair Repudiations

Claims repudiation in household insurance is changing. Long established practices are now being overlaid with digital systems that are powering repudiation levels to new highs. Yet in so doing, have insurers been asking themselves the right questions? …and drawing the right conclusions?…
Duncan Minty
Duncan Minty •
The EU’s Social Scoring Ban – What Does It Mean? public
Underwriting • 9 min read

The EU’s Social Scoring Ban – What Does It Mean?

The EU’s AI Act prohibits social scoring. Insurers need to carefully weigh up the implications of this ban, for a lot of new digital insurance practices bear a remarkable resemblance to it. The ban was never meant to put pressure on modern insurance practices, but will that protect insurers.…
Duncan Minty
Duncan Minty •
Two Eye Popping Numbers for Household Claims public
Claims • 4 min read

Two Eye Popping Numbers for Household Claims

Household claims are being repudiated in startling volumes. And the cost to consumers is immense. It’s all in the public domain, so it seems inevitable that questions will be raised at some point. Do insurers have answers ready to meet such challenges?…
Duncan Minty
Duncan Minty •
What Claims Acceptance Rates Tell Us public
Claims • 5 min read

What Claims Acceptance Rates Tell Us

If you bought a type of policy that on average had one third of all claims rejected, and one in seven claimants complained, what would you think? And if you’re selling it, what would you think? I often hear insurers say that they ‘want to pay claims’. So why are so many claims being rejected?…
Duncan Minty
Duncan Minty •
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