Insurance in the age of big data and personalized tracking

Last week there was some debate spurred by some of the larger insurers of the Netherlands who want to use tracking data to personalize insurance coverage. A piece in the Reformatorisch Dagblad of all places and Rob Wijnberg talking about it at DWDD.

The problem is that insurance by definition is not personalized and we should be protected from each other’s best interests. I tweetstormed about it and have recorded it below.

This is particularly salient from a design perspective if you see the tweets below. What this comes down to is a policy design problem of a vast scale, a level of abstraction up again from service design. People aren’t well equipped to make these decisions for themselves and they probably shouldn’t have to be. They should be aware of which expertise they are lacking and they should know who they can trust. Creating those two competencies are the two hardest problems of our time.

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