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Personalisation

The biggest trend in insurance raises some of the most fundamental ethical questions. You can read about these here.
72 posts
Personalisation
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 •
Have Insurers been Honest with Consumers? public
Personalisation • 5 min read

Have Insurers been Honest with Consumers?

Big changes are underway in insurance. So what do consumers think of those changes? Surveys often show strong support from consumers for the biggest change of all – the move from pooling to personalisation. Yet why is this so, and can we trust what these surveys tell us?…
Duncan Minty
Duncan Minty •
The Insurance Complex: A Bleak Future? public
Personalisation • 6 min read

The Insurance Complex: A Bleak Future?

Insurance is becoming a performance market. For insurers to compete, consumers must perform, at first for a competitive premium, progressively for enough cover and eventually for access to the market. What emerges then is ‘an insurance complex’ that defines relations with consumers and society.…
Duncan Minty
Duncan Minty •
The Three Most Read Articles of 2022 public
Trust • 3 min read

The Three Most Read Articles of 2022

With so much happening in insurance at the moment, and with plenty on the horizon, it’s interesting to see which articles were the most read during 2022. The top three show insurance people weighing up some of the significant implications of the digital transformation of insurance.…
Duncan Minty
Duncan Minty •
Are Politicians Ready for Wind Re? public
Underwriting • 4 min read

Are Politicians Ready for Wind Re?

The development by insurers of individualised flood underwriting capabilities lead to negotiations with UK politicians and civil society for a fairer arrangement. The result was Flood Re. Now insurers are developing similar underwriting capabilities for wind risk. What does this point to?…
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 •
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