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Ethics and Insurance

I help insurers achieve greater certainty on ethical issues, both present and emerging. I have a reputation for foresight, pragmatism and independent thinking, particularly around data ethics. You can keep in touch with my analysis through my free weekly ‘Ethics and Insurance’ newsletter. Join below
Ethics and Insurance
What I do

Insight

I help insurers understand developments in insurance from an ethical perspective and the options open to them. My analysis delivers an extra level of understanding from an independent perspective
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Critical Friend

Insurers face some ethical challenges at the moment – I’ve been tracking them for several years. My role as a critical friend helps them to reality check their thinking and turn a situation into a plan.
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Horizon Scanning

I’ve been an influential figure in analysing the implications of digital insurance for several years now. Through workshops and research, my ethics radar highlights the problems and opportunities to look out for.
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Latest posts
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Can Insurers Tackle Discriminatory Pricing in Time? public
Discrimination • 7 min read

Can Insurers Tackle Discriminatory Pricing in Time?

The hugely significant issue of discriminatory pricing has entered its second phase, with Citizens Advice issuing a report on what it expects the regulator and insurers to do next. It’s an intriguing report, full of expectations, pathways and warnings. So what does it add up to?…
Duncan Minty
Duncan Minty •
Is Insurance prepared for a Consumer Advocate? public
Accountability • 4 min read

Is Insurance prepared for a Consumer Advocate?

Some business sectors in the UK have a consumer advocate appointed by the Government. Should one be appointed for insurance, the impact on the sector could be profound. With the power to pull data from firms and initiate regulatory reviews, transparency could be transformed.…
Duncan Minty
Duncan Minty •
Are IFB ambitions in danger of hitting a brick wall? public
Counter Fraud • 5 min read

Are IFB ambitions in danger of hitting a brick wall?

Counter fraud data sharing in the UK market is heading for new heights. How we’re scored on fraud from the moment we seek a quote will be automated and in real time. Yet for all this strategic ambition, there remains no mention of accountability. Recent events point to that being a big omission.…
Duncan Minty
Duncan Minty •
Worrying Signs of Regulatory Drift on Data public
Regulation • 3 min read

Worrying Signs of Regulatory Drift on Data

Is the FCA drifting off course on data and analytics? A recent speech seems to point to this. For insurers, the ‘false sense of security’ this creates matters less in the short term, more in the mid to long term. It introduces a systemic risk into the digital transformation happening in insurance.…
Duncan Minty
Duncan Minty •
Revolutionising Fairness to Enable Digital Insurance public
Fairness • 4 min read

Revolutionising Fairness to Enable Digital Insurance

The digital transformation of insurance will stall unless the “dominant theme of 21st century financial services” is resolved first. That ‘dominant theme’ is fairness. If fairness isn’t addressed, digital investment will be questioned as public confidence in what they experience diminishes.…
Duncan Minty
Duncan Minty •
The Challenges that Regulators are Facing with Technology public
Regulation • 3 min read

The Challenges that Regulators are Facing with Technology

A recent Financial Stability Institute report looks at how insurance regulators are using digital technologies to aid their work. SupTech has the capacity to revolutionise the regulation of ethical conduct in the sector. So what progress has been made, and what does this signal to the market?…
Duncan Minty
Duncan Minty •
Data used to back Discrimination Claim against US Insurer public
Discrimination • 4 min read

Data used to back Discrimination Claim against US Insurer

A lawsuit recently filed in a US court shows how consumers are using data to support legal cases of discrimination against insurers in claims and counter fraud. One aim of the plaintiff is to achieve class-action status, so widening its impact considerably. The implications would be significant.…
Duncan Minty
Duncan Minty •
The Three Most Read Articles of 2022 public
Trust • 3 min read

The Three Most Read Articles of 2022

With so much happening in insurance at the moment, and with plenty on the horizon, it’s interesting to see which articles were the most read during 2022. The top three show insurance people weighing up some of the significant implications of the digital transformation of insurance.…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

214+
Underwriting

Underwriting

160+
Accountability

Accountability

110+
Regulation

Regulation

88+
Fairness

Fairness

85+
Personalisation

Personalisation

71+
Discrimination

Discrimination

67+
Claims

Claims

51+
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