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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.
560 posts •
Duncan Minty
What the 3 Most Read Articles in 2023 Tell Us public
Claims • 2 min read

What the 3 Most Read Articles in 2023 Tell Us

Three articles I wrote in 2023 grabbed the attention of readers. Out of the 76 articles I wrote last year covering a wide range of topics, the interest in these three stands out. I put this into context and look at what they say about insurers’ interests looking forward.…
Duncan Minty
Duncan Minty •
Forced Transparency – the Challenge facing Insurers public
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 •
Synthetic Data - 3 Things Insurers Need to Understand public
Data Ethics • 5 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 •
Should Minimum Insurance be Mandated to boost Resilience public
Personalisation • 6 min read

Should Minimum Insurance be Mandated to boost Resilience

The financial resilience of UK society is widely seen to be declining. People are caught between the trend in finance to take more responsibility for personal risks and the increasingly granular pricing of those risks. Is the solution to be found in some form of mandatory minimum insurance cover?…
Duncan Minty
Duncan Minty •
Data Ethics & Insurance : New Initiatives, Hard Decisions public
Data Ethics • 7 min read

Data Ethics & Insurance : New Initiatives, Hard Decisions

Several initiatives on data ethics will be launched in the UK insurance sector in 2024. That’s great, but those commitments need to reflect what consumers are concerned about. This means a lot of risk assessment and implementation work. So what are the hard decisions that will inevitably be faced?…
Duncan Minty
Duncan Minty •
Fairness as a Service : a Step Forward for Insurers public
Fairness • 8 min read

Fairness as a Service : a Step Forward for Insurers

A data and analytics provider to the insurance sector has launched fairness as a service. It’s orientated around the US requirement that insurers do not unfairly discriminate. It’s the sort of service that a recent UK Gov. report called for. I examine how it works and what it points to.…
Duncan Minty
Duncan Minty •
Embedded Insurance and Manufactured Vulnerability public
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 •
Being Human - Insurance and the Right to Move On public
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 •
How to Waiver a Conflict of Interest public
Conflicts of Interest • 2 min read

How to Waiver a Conflict of Interest

Conflicts of interest are widespread across insurance. Many of them are too fundamental to be eliminated, but they still need to be managed. There may be occasions when one way to manage the conflict of interest is simply to accept it. So what conditions should apply to such situations?…
Duncan Minty
Duncan Minty •
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