Privacy, software and insurance

This paper deals with the use of software in insurance production and distribution considering the privacy issues that can arise. With regards to those uses we will consider on first the use of software in distribution in order to better perform the compliance with the regulations in insurance distribution (submission of information documents, administration of questionnaires on demands and needs to clients, registrations of contracts, payments etc.) and on second the use of software to reduce cyberisk on clients, insured with a cyberisk policy, or the use of software to supervise the activity of the insured person in order to assess the risk over the duration of the contract and possibly regulate the premium. In these cases, specific clauses in the contracts regulate the use of such software in order to obtain premium reductions. New privacy issues arise from the application of software in insurance that we are going to consider.