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An Empirical Investigation of the Right to Explanation Under GDPR in Insurance

Dexe, Jacob ; Ledendal, Jonas LU and Franke, Ulrik (2020) 12395. p.125-139
Abstract
The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their... (More)
The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their answers. Overall, several different approaches to answering the request can be discerned, including different uses of examples, lists, descriptions of logic, legal basis as well as data related to the process of answering the requests. Results are analyzed in light of GDPR requirements. A number of potential improvements are identified—at least three responses are likely to fail the undue delay requirement. The article is concluded with a discussion about future work. (Less)
Abstract (Swedish)
The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their... (More)
The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their answers. Overall, several different approaches to answering the request can be discerned, including different uses of examples, lists, descriptions of logic, legal basis as well as data related to the process of answering the requests. Results are analyzed in light of GDPR requirements. A number of potential improvements are identified—at least three responses are likely to fail the undue delay requirement. The article is concluded with a discussion about future work. (Less)
Please use this url to cite or link to this publication:
author
; and
organization
publishing date
type
Chapter in Book/Report/Conference proceeding
publication status
published
subject
keywords
GDPR, trust, right to explanation, transparency, Insurance, GDPR, Trust, Meaningful information, Transparency, Insurance
host publication
Trust, Privacy and Security in Digital Business : TrustBus 2020 - TrustBus 2020
editor
Gritzalis, Stefanos ; Weippl, Edgar ; Kotsis, Gabriele ; Tjoa, A Min and Khalil, Ismail
volume
12395
pages
15 pages
publisher
Springer
external identifiers
  • scopus:85091602721
ISBN
978-3-030-58986-8
978-3-030-58985-1
DOI
10.1007/978-3-030-58986-8_9
language
English
LU publication?
yes
id
822b73b3-ba2c-454e-a3e8-7ce520c318cc
date added to LUP
2020-10-01 14:59:02
date last changed
2024-10-03 08:49:46
@inbook{822b73b3-ba2c-454e-a3e8-7ce520c318cc,
  abstract     = {{The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their answers. Overall, several different approaches to answering the request can be discerned, including different uses of examples, lists, descriptions of logic, legal basis as well as data related to the process of answering the requests. Results are analyzed in light of GDPR requirements. A number of potential improvements are identified—at least three responses are likely to fail the undue delay requirement. The article is concluded with a discussion about future work.}},
  author       = {{Dexe, Jacob and Ledendal, Jonas and Franke, Ulrik}},
  booktitle    = {{Trust, Privacy and Security in Digital Business : TrustBus 2020}},
  editor       = {{Gritzalis, Stefanos and Weippl, Edgar and Kotsis, Gabriele and Tjoa, A Min and Khalil, Ismail}},
  isbn         = {{978-3-030-58986-8}},
  keywords     = {{GDPR; trust; right to explanation; transparency; Insurance; GDPR; Trust; Meaningful information; Transparency; Insurance}},
  language     = {{eng}},
  month        = {{09}},
  pages        = {{125--139}},
  publisher    = {{Springer}},
  title        = {{An Empirical Investigation of the Right to Explanation Under GDPR in Insurance}},
  url          = {{http://dx.doi.org/10.1007/978-3-030-58986-8_9}},
  doi          = {{10.1007/978-3-030-58986-8_9}},
  volume       = {{12395}},
  year         = {{2020}},
}