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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.
556 posts •
Duncan Minty
Has Flood Re worked? public
Personalisation • 7 min read

Has Flood Re worked?

Has Flood Re worked? And if so, who is it working for the most? A Bank of England study addresses these questions, but with presumptions and interpretations that are open to challenge. This highlights why the policy landscape for flood insurance needs more diversified debate.…
Duncan Minty
Duncan Minty •
Can Insurers Overturn the ‘Right to be Forgotten’? public
Regulation • 3 min read

Can Insurers Overturn the ‘Right to be Forgotten’?

Insurers in Europe are challenging the EU’s proposals for people who survive cancer to have a ‘right to be forgotten’. At the heart of this dispute are two issues for insurers – the fairness of their underwriting, and the scope of their ‘right to know’. It’s part of a wider data ethics situation.…
Duncan Minty
Duncan Minty •
Credit Scores – could they turn toxic for insurers? public
Underwriting • 9 min read

Credit Scores – could they turn toxic for insurers?

The use of credit scores in insurance is contentious. Opinion has been divided over whether their use is fair or not. I say ‘has been’, for I’ve recently heard underwriters raise doubts. So should insurers prepare for change? And what might that change look like? I explore both questions here.…
Duncan Minty
Duncan Minty •
More Regulatory Scrutiny of Pricing Practices public
Underwriting • 9 min read

More Regulatory Scrutiny of Pricing Practices

EIOPA is about to close a consultation on non-life differential pricing. While we wait for the results, it’s worth examining how the consultation is framed and what that might mean for UK insurers. Will the FCA use it for a ‘Pricing Review Two’? There’s certain unresolved issues to be addressed.…
Duncan Minty
Duncan Minty •
Research finds Challenges Ahead for Digital Insurance public
Personalisation • 2 min read

Research finds Challenges Ahead for Digital Insurance

An independent think tank has found that people face significant hurdles to engaging with the biggest trend in financial services. As that trend is central to the digital future of insurance, their research gives insurers much to take on board when weighing up products, pricing and distribution.…
Duncan Minty
Duncan Minty •
Can Trust be Automated? public
Trust • 4 min read

Can Trust be Automated?

A leading supplier of software to the insurance sector has launched a ‘Trust Automation Platform’. It’s great of course that Friss are recognising the important of trust. It should get their clients and prospects thinking about it more. Yet can platforms like this actually deliver on trust itself?…
Duncan Minty
Duncan Minty •
Why Insurers Need to Respect Customer Autonomy public
Autonomy • 7 min read

Why Insurers Need to Respect Customer Autonomy

Autonomy is both simple and complex, ephemeral yet ever present. It’s rarely invoked in an insurance context outside of self-driving vehicles. Yet it’s an ethical issue that is becoming central to the debate on how insurance is to be priced. Insurers need to understand it to be part of that debate.…
Duncan Minty
Duncan Minty •
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