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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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Pricing is in the Spotlight Again public
Underwriting • 4 min read

Pricing is in the Spotlight Again

Research by the University of Bristol into the reasons why low income families pay more for motor cover applies further pressure on insurers in four already sensitive areas. It represents an interweaving of related issues towards one big push, oven ready for political intervention.…
Duncan Minty
Duncan Minty •
Vulnerability Starts with Scope public
Claims • 5 min read

Vulnerability Starts with Scope

Vulnerability is a significant theme for the UK regulator, and obviously insurers have been responding to those expectations. This has led to a lot of management information being produced around vulnerability. That’s only as good though as the scope of what you decide to put into your MI.…
Duncan Minty
Duncan Minty •
Risk Variables Are On Their Way Out public
Underwriting • 3 min read

Risk Variables Are On Their Way Out

Underwriters have relied on risk variables for a very long time. After all, how would insurance work without them! Yet is their unique status on its way out? When motor insurers use 1000+ rating factors, what does this say about how insurance is now priced? More than just on risk, clearly.…
Duncan Minty
Duncan Minty •
Suspicious Thinking and Insurance Counter Fraud public
Counter Fraud • 5 min read

Suspicious Thinking and Insurance Counter Fraud

Insurers are on the lookout for suspicious things all the time. It helps ensure that consumers pay a fair premium. Yet how insurers go about this is hugely important. How is suspicion judged? How does this affect products and services?  I explore the ethical side of how the sector handles suspicion.…
Duncan Minty
Duncan Minty •
The Keystone for Delivering Effective Data Ethics public
Data Ethics • 5 min read

The Keystone for Delivering Effective Data Ethics

Data ethics has lots of dimensions. You may be tempted to think that expertise in each of those dimensions will reap the results being sought. Only to a degree though. Running through all of them is an issue that is age old to insurance. If you don’t get this one right, all others will be suffer.…
Duncan Minty
Duncan Minty •
The Tectonic Plates of Insurance Have Just Moved public
Discrimination • 3 min read

The Tectonic Plates of Insurance Have Just Moved

A US federal court has ruled on a long standing and hugely important case for property insurers. It pushed back insurers’ treasured ‘right to underwrite’ and the status of ‘objective actuarial data’. As I predicted 2 years ago, the tectonic plates for what is fair in insurance have just been moved.…
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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