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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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How to Assess the Biggest Ethical Risk in Insurance public
Ethical Risks • 7 min read

How to Assess the Biggest Ethical Risk in Insurance

At the heart of most ethical issues in insurance is a conflict of interest. It’s always been around and likely always will be. So the question is not whether you have eliminated it, but how you are managing it. This means you’ve got to assess the scope and depth of conflicts of interest properly.…
Duncan Minty
Duncan Minty •
Data Ethics • 2 min read

Exploitation in Data Supply Chains

Insurers may have data provenance as part of their data ethics programme, but have they scoped it correctly? An often overlooked aspect of data ethics has recently received media attention. It deals with an age old problem in supply chains – how labour is managed and remunerated.…
Duncan Minty
Duncan Minty •
An Important Development on Financial Inclusion public
Regulation • 3 min read

An Important Development on Financial Inclusion

The need for insurers to take a more formalised approach to financial inclusion has moved a step closer. If the regulator is to ‘have a regard’ for financial inclusion, with data and reports, then it will expect insurers to do the same. It’s a stone that will gather moss.…
Duncan Minty
Duncan Minty •
Bias in the Pricing of Italian Motor Insurance public
Underwriting • 2 min read

Bias in the Pricing of Italian Motor Insurance

The UK is not the only country in which concerns are being raised about the fairness of insurance pricing. A recent analysis of the Italian motor market points to problems there. The researchers found issues around ethnicity, plus something interesting on gender.…
Duncan Minty
Duncan Minty •
Insurance as a Common Good public
Fairness • 3 min read

Insurance as a Common Good

Could insurance be considered as a form of common good? And if so, how might that have come about? And more importantly, how might it influence the way in which insurance markets are allowed to digitally transform?…
Duncan Minty
Duncan Minty •
Moving from Healthcare Data to Lifestyle Data public
Underwriting • 3 min read

Moving from Healthcare Data to Lifestyle Data

With the EU proposing to ban the secondary use of electronic health data for insurance purposes, the sector was always going to be looking for other ways to rate life and health risk. And a recent paper by an executive at Swiss Re illustrates gives some insight into how this is being addressed.…
Duncan Minty
Duncan Minty •
Ethics, Claims and the Cost of Living Crisis public
Claims • 7 min read

Ethics, Claims and the Cost of Living Crisis

The cost of living crisis will have impacts across insurance. At the forefront will be claims, with increased settlements and concerns around fraud. Many insurers will turn to the digital tools widely used now in claims decisions. Yet in doing so, what ethical risks might they stir up?…
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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