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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.
110 posts •
Duncan Minty
Counter Fraud • 5 min read

Suspicious Thinking and Insurance Counter Fraud

Insurers are on the lookout for suspicious things all the time. It helps ensure that consumers pay a fair premium. Yet how insurers go about this is hugely important. How is suspicion judged? How does this affect products and services?  I explore the ethical side of how the sector handles suspicion.…
Duncan Minty
Duncan Minty •
Discrimination • 3 min read

The Tectonic Plates of Insurance Have Just Moved

A US federal court has ruled on a long standing and hugely important case for property insurers. It pushed back insurers’ treasured ‘right to underwrite’ and the status of ‘objective actuarial data’. As I predicted 2 years ago, the tectonic plates for what is fair in insurance have just been moved.…
Duncan Minty
Duncan Minty •
Personalisation • 4 min read

There Will Be More Than One Future to Insurance

A lot of thinking about the future of insurance is premised upon the notion that personalisation is that future. Yet the future of insurance is so important, it’s vital not to just assume that this is the only way forward. I look at other ways in which it is likely to be envisioned.…
Duncan Minty
Duncan Minty •
Discrimination • 4 min read

Why Secondary Data Could Turn Toxic for Insurers

Digital innovations are helping the sector break new ground in how policies are underwritten. The problem is that some practices could be landing insurers outside of the law. This is not bias in data or analytics. This is ill advised decisions around the strategic use of secondary data.…
Duncan Minty
Duncan Minty •
Claims • 4 min read

Failings in Motor Claims Raise Accountability Questions

Several unfair practices have been identified in total loss claims in the UK motor insurance market. On the face of it, this seems like a numbers problem. Yet this is far from being a ‘which valuation is right’ issue. This is about people and how they decide to shape important decisions.…
Duncan Minty
Duncan Minty •
Marketing • 3 min read

Invisible Insurance - The Next Big Thing?

Embedded insurance comes in three forms: soft, hard and invisible. Each comes with ethical implications, but none more so than invisible embedded. What does it mean to provide consumers with invisible insurance? Is it the future of distribution, or a disaster in the making? I explore it here.…
Duncan Minty
Duncan Minty •
Data Ethics • 3 min read

Forced Transparency – the Challenge facing Insurers

2024 will see several challenges that the insurance sector is facing come to a head. Out of this will emerge a period of forced transparency, in which certain working practices are opened up to scrutiny. How insurers prepare for this is crucial for customers, investors and regulators.…
Duncan Minty
Duncan Minty •
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