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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
The Keystone for Delivering Effective Data Ethics public
Data Ethics • 5 min read

The Keystone for Delivering Effective Data Ethics

Data ethics has lots of dimensions. You may be tempted to think that expertise in each of those dimensions will reap the results being sought. Only to a degree though. Running through all of them is an issue that is age old to insurance. If you don’t get this one right, all others will be suffer.…
Duncan Minty
Duncan Minty •
The Tectonic Plates of Insurance Have Just Moved public
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 •
There Will Be More Than One Future to Insurance public
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 •
Why Secondary Data Could Turn Toxic for Insurers public
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 •
How Rules Reflect the Ethical Concerns of Consumers public
Regulation • 5 min read

How Rules Reflect the Ethical Concerns of Consumers

It’s common to hear people in the insurance sector talk about ‘rules, rules and more rules’. The EU AI Act is a typical development that can drive this sentiment. And rules they may be, but they are also more than that. Ethics allows you to recognise and unpick their different layers of meaning.…
Duncan Minty
Duncan Minty •
More Political Scrutiny of Insurance Pricing public
Underwriting • 3 min read

More Political Scrutiny of Insurance Pricing

The Treasury Committee’s session yesterday on insurance saw consumer groups, insurers and the regulator have their say on pricing in motor and home markets. Nothing revealing emerged, but what was clear was that pressure on the sector to be more transparent is about to rise again.…
Duncan Minty
Duncan Minty •
Are Insurers Ready for GDPR 2.0? public
Privacy • 6 min read

Are Insurers Ready for GDPR 2.0?

The GDPR felt pretty seismic when it came into force in 2018, but like many a step change in the law, it contained compromises. All things digital have moved on a lot since. As a result, the prospect of some form of GDPR 2.0 is on the horizon. So what does this mean for insurers?…
Duncan Minty
Duncan Minty •
A Lot of Life Insurers Are Navigating AI Blind public
Data Ethics • 4 min read

A Lot of Life Insurers Are Navigating AI Blind

A US regulatory organisation recently published a revealing survey about life insurers and their use of AI. For all the talk about responsible innovation, the reality in the life sector seems very different. Lack of accountability points to some serious problems ahead for life insurers.…
Duncan Minty
Duncan Minty •
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