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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.
550 posts •
Duncan Minty
Is Open Data Compatible with Insurance? public
Underwriting • 4 min read

Is Open Data Compatible with Insurance?

There’s a lot of upbeat talk about how open data could revolutionise insurance. The seamless exchange of data and cover seems so simple. Yet dig around a bit and contradictions emerge. Are the principles of open data and insurance underwriting sufficiently in sync? It’s an open question.…
Duncan Minty
Duncan Minty •
Underwriting • 2 min read

Is the FCA a Price Regulator?

Is price in UK insurance markets regulated? There’s a game of words going on at the moment. The regulator told the sector last week that it’s not a price regulator. How should the sector react to that? Will they be convinced?…
Duncan Minty
Duncan Minty •
Are Regulators Sitting on an Algorithmic Fence? public
Data Ethics • 3 min read

Are Regulators Sitting on an Algorithmic Fence?

A key question for insurers over the next 5 years will be how regulators handle the issues raised by their increasing use of algorithms. The message being signalled in a recent paper by the Digital Regulation Cooperation Forum is clear. And the position they’re taking will be an uncomfortable one.…
Duncan Minty
Duncan Minty •
Machine Unlearning - a New Digital Capability for Insurers public
Data Ethics • 4 min read

Machine Unlearning - a New Digital Capability for Insurers

Some serious exposures are looming on insurers’ reputational horizons. Most stem from how their digital technologies have been configured. If any of those exposures are realised, insurers will have to both delete ‘bad data’ and remove its influence on their models. It’s called machine unlearning…
Duncan Minty
Duncan Minty •
Could the Ethnicity Penalty Trigger Something Very Big? public
Discrimination • 5 min read

Could the Ethnicity Penalty Trigger Something Very Big?

We’re living in a period of digital transformation. And one of those key areas of transformation is in the law. How do we make our laws fit for a digital future? Insurers have an interest in this on several levels, but in this analysis piece, I’m going to focus on this from a compliance angle.…
Duncan Minty
Duncan Minty •
Insurers to be Banned from Electronic Health Data in the EU public
Data Ethics • 3 min read

Insurers to be Banned from Electronic Health Data in the EU

The EU has this week issued a proposal for the regulation of electronic health data. It’s implications for insurance are stark. As it stands, the proposal will ban the secondary use of electronic health data for insurance purposes. It’s early days, but insurers have a digital mountain to climb.…
Duncan Minty
Duncan Minty •
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 •
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