Jonas Ledendal
Senior lecturer
An Empirical Investigation of the Right to Explanation Under GDPR in Insurance
Author
Editor
- Stefanos Gritzalis
- Edgar Weippl
- Gabriele Kotsis
- A Min Tjoa
- Ismail Khalil
Summary, in English
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.
Department/s
- Lund University Centre for Business Law (Swedish abbr: ACLU)
- Department of Business Law
Publishing year
2020-09-14
Language
English
Pages
125-139
Publication/Series
Trust, Privacy and Security in Digital Business : TrustBus 2020
Volume
12395
Document type
Book chapter
Publisher
Springer
Topic
- Other Engineering and Technologies
- Law (excluding Law and Society)
Keywords
- GDPR
- trust
- right to explanation
- transparency
- Insurance
- GDPR
- Trust
- Meaningful information
- Transparency
- Insurance
Status
Published
Research group
- Lund University Centre for Business Law (Swedish abbr: ACLU)
ISBN/ISSN/Other
- ISBN: 978-3-030-58986-8
- ISBN: 978-3-030-58985-1