Pre-approved insurance – what are the implications?
How might consumers react to recent signs of insurance being offered on a
pre-approved basis? Is there a sense that…
Personalisation
The biggest trend in insurance raises some of the most fundamental ethical questions. You can read about these here.
75 posts
Manufactured vulnerability – how might insurers respond?
Manufactured vulnerability
[https://www.ethicsandinsurance.info/2015/11/04/dangers-of-manufactured-vulnerability/]
is an ethical risk that marketing and compliance people in…
Insurance marketing and the dangers of manufactured vulnerability
Marketing is adopting the tools of big data and some of the practices that are
emerging would, if used by…
Could price optimisation soon be banned in the UK insurance market?
We know that price optimisation is an established feature of many markets – hotel beds and airline seats for example. And…
Insurance, Fairness and the work of Marie Curie
There’s a view becoming established in the UK insurance market that it’s only
fair that premiums should become…
A radical change in insurance regulation is underway
The Chartered Insurance Institute has recently published a paper by me, entitled ‘The Digital Panopticon and the New Power of…
Social Sorting: could it be the stuff of nightmares for insurance firms?
Privacy is an ethical issue that the UK insurance sector often thinks about,
usually in terms of it being something…
Price optimisation pt2 – key losses that insurers face
Around half of UK motor insurance is said to be priced according to some form of
price optimisation. If so,…
Price optimisation – approach with care!
Questions have already been raised about the ethics of dual pricing
[https://www.ethicsandinsurance.info/2013/03/12/ethical-issues-dual-pricing/].
This…