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Autonomy

Autonomy is both simple and complex, ephemeral yet ever present. It’s rarely invoked in an insurance context outside of self-driving vehicles. Yet it’s an ethical issue that is becoming central to the debate on how insurance evolves.
24 posts
Autonomy
Being Human - Insurance and the Right to Move On public
Autonomy • 6 min read

Being Human - Insurance and the Right to Move On

The digital world that insurers operate in sees data being retained for long periods of time. That view is based upon the influence of moral hazard and character. Yet part of being human is to evolve and move on, to leave behind who we used to be. I examine this dilemma and identify the challenges.…
Duncan Minty
Duncan Minty •
How Consumers Balance Behavioural Insurance with Autonomy public
Autonomy • 5 min read

How Consumers Balance Behavioural Insurance with Autonomy

How do consumers balance the data tracking inherent in behavioural life and health policies, with concerns about autonomy? Recent research has looked at what consumers say and do in relation to devices such as smart watches. I explore what this tells insurers about the design of such policies.…
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 •
Why Insurers Need to Respect Customer Autonomy public
Autonomy • 7 min read

Why Insurers Need to Respect Customer Autonomy

Autonomy is both simple and complex, ephemeral yet ever present. It’s rarely invoked in an insurance context outside of self-driving vehicles. Yet it’s an ethical issue that is becoming central to the debate on how insurance is to be priced. Insurers need to understand it to be part of that debate.…
Duncan Minty
Duncan Minty •
Prediction and the Cold Hand public
Data Ethics • 3 min read

Prediction and the Cold Hand

Analytics are not neutral tools. When you use analytics to work something out, you start to change that something. In some forms of analytics, this change can be supportive. In other forms, it can be destructive. This mix of influences should be part of how you design and deploy analytics.…
Duncan Minty
Duncan Minty •
Personalisation • 2 min read

Life and Motor Underwriting Start to Converge

Policyholders of US insurer John Hancock who have an Allstate Drivewise policy can now earn Vitality points on their life insurance for safe driving. It works in a rather analogue way at the moment, but it confirms a trend towards how you drive influencing the price and scope of your life cover.…
Duncan Minty
Duncan Minty •
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