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Ethics and Insurance

I help insurers achieve greater certainty on ethical issues, both present and emerging. I have a reputation for foresight, pragmatism and independent thinking, particularly around data ethics. You can keep in touch with my analysis through my free weekly ‘Ethics and Insurance’ newsletter. Join below
Ethics and Insurance
What I do

Insight

I help insurers understand developments in insurance from an ethical perspective and the options open to them. My analysis delivers an extra level of understanding from an independent perspective
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Critical Friend

Insurers face some ethical challenges at the moment – I’ve been tracking them for several years. My role as a critical friend helps them to reality check their thinking and turn a situation into a plan.
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Horizon Scanning

I’ve been an influential figure in analysing the implications of digital insurance for several years now. Through workshops and research, my ethics radar highlights the problems and opportunities to look out for.
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Latest posts
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When Firms Become Criminally Liable for Fraud public
Counter Fraud • 6 min read

When Firms Become Criminally Liable for Fraud

The UK Government has issued guidance on new legislation that holds firms to account for failing to prevent fraud. So what is its relevance to insurers? There are key triggers involved, and then the exposures are significant. I explore the ins and outs, including the references to ethics.…
Duncan Minty
Duncan Minty •
Delivering Fair Repudiations public
Claims • 5 min read

Delivering Fair Repudiations

Claims repudiation in household insurance is changing. Long established practices are now being overlaid with digital systems that are powering repudiation levels to new highs. Yet in so doing, have insurers been asking themselves the right questions? …and drawing the right conclusions?…
Duncan Minty
Duncan Minty •
The EU’s Social Scoring Ban – What Does It Mean? public
Underwriting • 9 min read

The EU’s Social Scoring Ban – What Does It Mean?

The EU’s AI Act prohibits social scoring. Insurers need to carefully weigh up the implications of this ban, for a lot of new digital insurance practices bear a remarkable resemblance to it. The ban was never meant to put pressure on modern insurance practices, but will that protect insurers.…
Duncan Minty
Duncan Minty •
Two Eye Popping Numbers for Household Claims public
Claims • 4 min read

Two Eye Popping Numbers for Household Claims

Household claims are being repudiated in startling volumes. And the cost to consumers is immense. It’s all in the public domain, so it seems inevitable that questions will be raised at some point. Do insurers have answers ready to meet such challenges?…
Duncan Minty
Duncan Minty •
What Claims Acceptance Rates Tell Us public
Claims • 5 min read

What Claims Acceptance Rates Tell Us

If you bought a type of policy that on average had one third of all claims rejected, and one in seven claimants complained, what would you think? And if you’re selling it, what would you think? I often hear insurers say that they ‘want to pay claims’. So why are so many claims being rejected?…
Duncan Minty
Duncan Minty •
Pricing is in the Spotlight Again public
Underwriting • 4 min read

Pricing is in the Spotlight Again

Research by the University of Bristol into the reasons why low income families pay more for motor cover applies further pressure on insurers in four already sensitive areas. It represents an interweaving of related issues towards one big push, oven ready for political intervention.…
Duncan Minty
Duncan Minty •
Vulnerability Starts with Scope public
Claims • 5 min read

Vulnerability Starts with Scope

Vulnerability is a significant theme for the UK regulator, and obviously insurers have been responding to those expectations. This has led to a lot of management information being produced around vulnerability. That’s only as good though as the scope of what you decide to put into your MI.…
Duncan Minty
Duncan Minty •
Risk Variables Are On Their Way Out public
Underwriting • 3 min read

Risk Variables Are On Their Way Out

Underwriters have relied on risk variables for a very long time. After all, how would insurance work without them! Yet is their unique status on its way out? When motor insurers use 1000+ rating factors, what does this say about how insurance is now priced? More than just on risk, clearly.…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

213+
Underwriting

Underwriting

160+
Accountability

Accountability

108+
Regulation

Regulation

86+
Fairness

Fairness

83+
Personalisation

Personalisation

71+
Discrimination

Discrimination

66+
Claims

Claims

51+
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