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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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Warning Signals about Dark Patterns in Insurance Marketing public
Marketing • 5 min read

Warning Signals about Dark Patterns in Insurance Marketing

Insurance marketing is big business. As it moves online, the tracking of sales pipelines fuels marketing practices to increase returns on all that investment. EIOPA has published examples of dark patterns it has found on the websites of EU insurers. Yet it’s missed a key part of the bigger picture.…
Duncan Minty
Duncan Minty •
Strong Opinions Emerge on Data Use in Counter Fraud public
Counter Fraud • 8 min read

Strong Opinions Emerge on Data Use in Counter Fraud

A detailed survey of US consumers found that support for the use of data to combat insurance fraud is strong, but very conditional upon the proper handling of ethical issues. I examine the message being sent to insurers by the US public, and what UK insurers can learn from it.…
Duncan Minty
Duncan Minty •
Interesting Survey of Public Attitudes to Data and AI public
Data Ethics • 4 min read

Interesting Survey of Public Attitudes to Data and AI

The UK Government’s unit for enabling trustworthy digital innovation has published the second wave of its survey of public attitudes to data and AI. Given the low levels of trust that consumers have in how insurers handling their data, the survey’s findings are worth a closer look.…
Duncan Minty
Duncan Minty •
A Big Red Flag has been attached to Emotional AI public
Data Ethics • 8 min read

A Big Red Flag has been attached to Emotional AI

The UK’s data protection regulator has raised a big red flag over the use of emotional AI. Not only do such systems fail to meet data protection requirements, but they also come with other serious ethical issues. So what does this mean for insurers, and how should they respond?…
Duncan Minty
Duncan Minty •
Is your Code of Ethics Good Enough? public
Codes and Values • 5 min read

Is your Code of Ethics Good Enough?

Is your code of ethics good enough? A quick way to answer that is to look at when it was last reviewed. If that date is before November 2019, then the answer will almost certainly be no. And if your firm has been making some strategic moves recently, I would move that date to November 2020.…
Duncan Minty
Duncan Minty •
Challenges Emerge for Insurance and Wellness Products public
Underwriting • 4 min read

Challenges Emerge for Insurance and Wellness Products

‘Moving beyond insurance’ is a popular digital trend across many markets. Why just deal with losses when you can prevent claims, goes the narrative. Yet one regulatory move means insurers will soon have to design and sell their cover / wellness combination with great care.…
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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