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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.
215 posts
Data Ethics
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 •
Can Insurers Overturn the ‘Right to be Forgotten’? public
Regulation • 3 min read

Can Insurers Overturn the ‘Right to be Forgotten’?

Insurers in Europe are challenging the EU’s proposals for people who survive cancer to have a ‘right to be forgotten’. At the heart of this dispute are two issues for insurers – the fairness of their underwriting, and the scope of their ‘right to know’. It’s part of a wider data ethics situation.…
Duncan Minty
Duncan Minty •
Credit Scores – could they turn toxic for insurers? public
Underwriting • 9 min read

Credit Scores – could they turn toxic for insurers?

The use of credit scores in insurance is contentious. Opinion has been divided over whether their use is fair or not. I say ‘has been’, for I’ve recently heard underwriters raise doubts. So should insurers prepare for change? And what might that change look like? I explore both questions here.…
Duncan Minty
Duncan Minty •
More Regulatory Scrutiny of Pricing Practices public
Underwriting • 9 min read

More Regulatory Scrutiny of Pricing Practices

EIOPA is about to close a consultation on non-life differential pricing. While we wait for the results, it’s worth examining how the consultation is framed and what that might mean for UK insurers. Will the FCA use it for a ‘Pricing Review Two’? There’s certain unresolved issues to be addressed.…
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 •
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