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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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The Fairness of Insurance Pricing is Challenged Again public
Discrimination • 8 min read

The Fairness of Insurance Pricing is Challenged Again

The fairness of insurance pricing is again being challenged, this time by the UK’s leading campaigning journalist on finance matters. Martin Lewis believes insurers are breaking the law in how they handle people with mental health issues. The only surprise is how long this has taken to emerge.…
Duncan Minty
Duncan Minty •
New UK Survey on Public Attitudes to AI public
Data Ethics • 2 min read

New UK Survey on Public Attitudes to AI

A major new UK survey into public attitudes to AI has been launched. Its scope will pick up on several technologies relevant to the digital transformation of insurance. Its findings will influence policy makers, both in terms of possible legislation and pressure on regulators.…
Duncan Minty
Duncan Minty •
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 •
Explore topics
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Data Ethics

Data Ethics

215+
Underwriting

Underwriting

162+
Accountability

Accountability

110+
Regulation

Regulation

88+
Fairness

Fairness

85+
Personalisation

Personalisation

73+
Discrimination

Discrimination

67+
Claims

Claims

51+
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