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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
Data Ethics • 4 min read

Synthetic Data - 3 Things Insurers Need to Understand

The data that fuels a digital strategy can be incomplete, expensive or biased. One way to overcome this is through synthetic data. As margins from existing datasets narrow, more and more insurers will turn to it. So what sort of ethical questions are associated with it?…
Duncan Minty
Duncan Minty •
Marketing • 6 min read

Embedded Insurance and Manufactured Vulnerability

Embedded insurance is a form of hyper-personalisation designed to present the right product to you just when you need it and most likely to buy it. In short, data fuelled prescriptive marketing. Yet if marketing is about persuasion, how do insurers steer clear of digital manipulation?…
Duncan Minty
Duncan Minty •
Autonomy • 6 min read

Being Human - Insurance and the Right to Move On

The digital world that insurers operate in sees data being retained for long periods of time. That view is based upon the influence of moral hazard and character. Yet part of being human is to evolve and move on, to leave behind who we used to be. I examine this dilemma and identify the challenges.…
Duncan Minty
Duncan Minty •
Data Ethics • 7 min read

Telematics + In-Car Sensing = Unique Ethical Issues

Telematics and in-car sensors create huge amounts of data that can be used to gauge all sorts of things about the people in the car. Emotional AI is part of this, offering lots of potential, but also some highly emotive risks. I look at the key themes that insurers need to have on their radars.…
Duncan Minty
Duncan Minty •
Regulation • 4 min read

Fairness, Digital and Target Markets

Target markets are now a key feature of product governance. The problem is that they take shape on two levels. There’s the generic version for the regulator, and the decision systems one for consumers. In this gap can be found some of the key challenges being put to insurers.…
Duncan Minty
Duncan Minty •
Counter Fraud • 6 min read

Why the Social Scoring Ban is Seismic for Counter Fraud

There are many significant things in the EU’s AI Act but none will be more disruptive for insurers than the proposed ban on social scoring. It will cause the sector’s core digital strategies to need serious reconfiguring. So why has this happened and what do insurers have to look out for?…
Duncan Minty
Duncan Minty •
Underwriting • 4 min read

Drones Enable Automated U/W by Image Analysis

I recently highlighted how insurers were starting to gather data not just about what’s around your house (think flood), but also about how your house is built and maintained. The result is a wave of policyholders receiving notices of non-renewal. So what’s the big picture here?…
Duncan Minty
Duncan Minty •
Privacy • 3 min read

The Risks Insurers Run as Buyers of Secondary Data

A technology activist has released a huge file of segmentation data into the public domain. It shows the extent to which data brokers are scraping data and selling it for “identities”. As significant users of secondary data, insurers need to take great care managing exposures like this.…
Duncan Minty
Duncan Minty •
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