Hackers' Pub

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Frederik Borgesius @Frederik_Borgesius@akademienl.social

3/18/2025, 3:53:05 PM

Public

‘Discrimination and AI in insurance: what do people find fair? Results from a survey’

Pre-print paper by Marvin van Bekkum, Iris van Ooijen, Gabi Schaap, Maaike Harbers, Tjerk Timan, and me.

https://arxiv.org/abs/2501.12897

#law #ethics #ai #tech #insurance #fintech #discrimination

Screenshot of the abstract:

Two modern trends in insurance are data-intensive underwriting and behavior-based insurance. (...)

In this paper, we report on a survey of the Dutch population (N=999) in which we asked people’s opinions about examples of data-intensive underwriting and behavior-based insurance. The main results include the following. First, if survey respondents find an insurance practice unfair, they also find the practice unacceptable. Second, respondents find almost all modern insurance practices that we described unfair. Third, respondents find practices fairer if they can influence the premium. For example, respondents find behavior-based car insurance relatively fair. Fourth, if respondents do not see the logic of using a certain consumer characteristic, then respondents find it unfair if an insurer calculates the premium based on the characteristic. Fifth, respondents find it unfair if an insurer offers an insurance product only to a specific group, such as car insurance specifically for family doctors. Sixth, respondents find it unfair if an insurance practice leads to higher prices for poorer people.

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