British grocery stores offer insurance discounts based on shopping habits
In 2017, Britain's' two biggest supermarkets, Tesco and Sainsbury's, which jointly cover 45% of the UK's grocery market, announced they would offer discounts on car and home insurance based on customers' shopping habits. For example, based on data from its Nectar card loyalty scheme, Sainsbury's associates reliable, predictable patterns of visits to stores with safer and more cautious driving, and therefore offers those individuals cheaper insurance. For some products, Sainsbury's also mines Clubcard data. The supermarkets claim their approach complies with GDPR because it's explained in their privacy policies.
In other examples of this approach, some life insurers are using sentiment analysis on Twitter to offer lower rates to people whose postings are upbeat; other car insurers offer discounts in return for installing a GPS tracker.
Writer: Lawrence White
Control over intelligence
Individuals should have control over the data generated about their activities, conduct, devices, and interactions, and be able to determine who is gaining this intelligence and how it is to be used.
We should know all our data and profiles
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Individuals should be able to know about, understand, question and challenge consequential decisions that are made about them and their environment. This means that controllers too should have an insight into and control over this processing.