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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.
558 posts •
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 •
Navigating a Recalibration of Principles Based Regulation public
Regulation • 3 min read

Navigating a Recalibration of Principles Based Regulation

There’s been a move in recent years towards principles based approaches, in what is expected of insurers (regulation) and what insurers expect of themselves (governance). So when powerful calls are heard to make things simpler, how should insurers respond? It’s not so simply as many would wish.…
Duncan Minty
Duncan Minty •
Personalised Insurance and Climate Change Resilience public
Personalisation • 4 min read

Personalised Insurance and Climate Change Resilience

Take two of the biggest trends influencing insurance at the moment – personalisation of underwriting and climate change. How do they interact? Do they support each other or are they in conflict? It’s unlikely to be so binary of course, so what are the factors that need to be weighed up?…
Duncan Minty
Duncan Minty •
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