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Data Ethics

With insurance becoming increasingly digital, data ethics has become the key lens through which issues and challenges are emerging. What makes it particularly important is how it is influencing insurance at both the policy and the market levels.
216 posts
Data Ethics
A Legal Spotlight Turns on Discrimination in Claims public
Claims • 4 min read

A Legal Spotlight Turns on Discrimination in Claims

Insurers using algorithms in claims and fraud decisions should now prepare for much greater scrutiny of how such systems are designed and used. A legal challenge in the US alleging discrimination has in part passed a key legal milestone. I weigh up the ramifications of what could be a landmark case.…
Duncan Minty
Duncan Minty •
ICO Consultation on Biometrics: Key Points for Insurers public
Data Ethics • 6 min read

ICO Consultation on Biometrics: Key Points for Insurers

The UK data protection regulator has issued draft guidance on the use of biometric data. It’s been delivered in a pretty ‘oven ready’ state, with two clear exposures for insurers. Are insurers prepared for the pretty fundamental questions they will now need to ask themselves?…
Duncan Minty
Duncan Minty •
Why the Social Scoring Ban is Seismic for Counter Fraud public
Counter Fraud • 6 min read

Why the Social Scoring Ban is Seismic for Counter Fraud

There are many significant things in the EU’s AI Act but none will be more disruptive for insurers than the proposed ban on social scoring. It will cause the sector’s core digital strategies to need serious reconfiguring. So why has this happened and what do insurers have to look out for?…
Duncan Minty
Duncan Minty •
Drones Enable Automated U/W by Image Analysis public
Underwriting • 4 min read

Drones Enable Automated U/W by Image Analysis

I recently highlighted how insurers were starting to gather data not just about what’s around your house (think flood), but also about how your house is built and maintained. The result is a wave of policyholders receiving notices of non-renewal. So what’s the big picture here?…
Duncan Minty
Duncan Minty •
The FCA’s Approach to AI is to be Audited public
Regulation • 5 min read

The FCA’s Approach to AI is to be Audited

The National Audit Office is to review the FCA’s approach to artificial intelligence. A subsequent speech by the FCA’s chief executive set out their thinking on AI. It sounded very much like 'have cake and eat it’ thinking. Will the NAO call this out? If so, what will that mean for insurers?…
Duncan Minty
Duncan Minty •
Three Questions for Managing Legal/Ethical Boundaries public
Accountability • 3 min read

Three Questions for Managing Legal/Ethical Boundaries

The boundary between what’s ethical and what’s legal is said at times to be a fine one, at other times a blurry one. In these digital times, it is also a moving one. So how should an insurer handle this? A ‘wait and see’ approach is too ostrich like. Instead, try this approach to get you started.…
Duncan Minty
Duncan Minty •
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