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An Empirical Investigation of the Right to Explanation Under GDPR in Insurance
RISE Research Institutes of Sweden, Digital Systems, Prototyping Society. KTH Royal Institute of Technology, Sweden.ORCID iD: 0000-0003-0738-2737
Lund University, Sweden.
RISE Research Institutes of Sweden, Digital Systems, Mobility and Systems. KTH Royal Institute of Technology, Sweden.ORCID iD: 0000-0003-2017-7914
2020 (English)In: 17th International Conference on Trust, Privacy and Security in Digital Business, TrustBus 2020 (Part of the Lecture Notes in Computer Science book series (LNCS, volume 12395)), Springer Science and Business Media Deutschland GmbH , 2020, p. 125-139Conference paper, Published paper (Refereed)
Abstract [en]

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.

Place, publisher, year, edition, pages
Springer Science and Business Media Deutschland GmbH , 2020. p. 125-139
Keywords [en]
GDPR, Insurance, Meaningful information, Transparency, Trust, Data subjects, Descriptive statistics, Empirical investigation, Insurance companies, Insurance markets, Swedishs, Commerce
National Category
Natural Sciences
Identifiers
URN: urn:nbn:se:ri:diva-49481DOI: 10.1007/978-3-030-58986-8_9Scopus ID: 2-s2.0-85091602721ISBN: 9783030589851 (print)OAI: oai:DiVA.org:ri-49481DiVA, id: diva2:1477775
Conference
Lund University, 14 September 2020 through 17 September 2020
Note

Funding details: P4/18; Funding text 1: This research was partially supported by Länsfärsäkringsgruppens Forsknings-& Utvecklingsfond, agreement no. P4/18.

Available from: 2020-10-20 Created: 2020-10-20 Last updated: 2023-06-08Bibliographically approved

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Dexe, JacobFranke, Ulrik

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