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C7RKY's profile
John Clarke
John Clarke
John Clarke
@C7RKY

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John Clarke

@C7RKY

Of course views all mine. All without prejudice. Just a regular chap after all. Oh...and RT's may equally imply ridicule as endorsement.

UK
Joined December 2011

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    1. John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @ianmsyme

      .@ianmsyme @mellojonny Yes, good piece. Except "But no one has concerns about the report" bit of course @amcunningham. Not strictly no one..

      3 replies 0 retweets 0 likes
    2. Anne Marie Cunningham‏ @amcunningham 27 Feb 2014
      Replying to @C7RKY

      @C7RKY - but I have heard concerns about the fact that actuaries received the data to produce it @ianmsyme @mellojonny

      1 reply 0 retweets 0 likes
    3. John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @amcunningham

      @amcunningham @ianmsyme @mellojonny Aahh..ok. That's the distinction you're drawing? Report itself a sideshow for you then? Data main thing?

      3 replies 0 retweets 0 likes
    4. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
      Replying to @C7RKY

      @C7RKY @amcunningham @ianmsyme @mellojonny The report quantifies risk associated with social factors. Nothing personal.

      1 reply 0 retweets 0 likes
    5. John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @atm0spheric

      @atm0spheric @amcunningham @ianmsyme @mellojonny Doesn't need to be personal to extract profit from the broader group tho. That was my point

      4 replies 0 retweets 0 likes
    6. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
      Replying to @C7RKY

      @C7RKY @amcunningham @ianmsyme @mellojonny Then you say you want to be insured by the company doing the best for you - with the best data!

      1 reply 0 retweets 0 likes
    7. John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @atm0spheric

      @atm0spheric @amcunningham @ianmsyme @mellojonny It doesn't follow that best data = best deal. In fact, far from it. Helps avoid risk/payout

      3 replies 0 retweets 0 likes
    8. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
      Replying to @C7RKY

      @C7RKY @amcunningham @ianmsyme @mellojonny It's better if they all have the best data than if only those making big profits do.

      1 reply 0 retweets 0 likes
    9. John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @atm0spheric

      @atm0spheric @amcunningham @ianmsyme @mellojonny They combine claims experience/use actuaries to achieve that anyway. This is stacking deck.

      2 replies 0 retweets 0 likes
    10. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
      Replying to @C7RKY

      @C7RKY @amcunningham @ianmsyme @mellojonny It is important that customer also knows risk factors.

      1 reply 0 retweets 0 likes
      John Clarke‏ @C7RKY 27 Feb 2014
      Replying to @atm0spheric

      @atm0spheric @amcunningham @ianmsyme @mellojonny It is, but in this case, only 1 player gets to assess risk - public just get told the price

      4:19 PM - 27 Feb 2014
      4 replies 0 retweets 0 likes
        1. New conversation
        2. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @ianmsyme @mellojonny Others would say if all insurers have best data then market will ensure price reflects risk.

          1 reply 0 retweets 0 likes
        3. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @atm0spheric

          @atm0spheric @amcunningham @ianmsyme @mellojonny Market? Let's remember it's financial svcs regulation we're talking about. Track record?

          1 reply 0 retweets 0 likes
        4. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @ianmsyme @mellojonny Yes! But leaving them with poor data won't tame that jungle!

          1 reply 0 retweets 0 likes
        5. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @atm0spheric

          @atm0spheric @amcunningham @ianmsyme @mellojonny What poor data? Where's this poor data come from? They've plenty of their own, quality data

          1 reply 0 retweets 0 likes
        6. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @ianmsyme @mellojonny Shorthand. Perhaps it's more accurate to say less data or less well founded data.

          1 reply 0 retweets 0 likes
        7. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @atm0spheric

          @atm0spheric @amcunningham @ianmsyme @mellojonny Yes. Less well-founded data, meaning they get it wrong slightly more often, thus paying out

          1 reply 0 retweets 0 likes
        8. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @C7RKY

          @atm0spheric @amcunningham @ianmsyme @mellojonny With this data they refine that position, avoiding more claims/providing cover in 1st place

          1 reply 0 retweets 0 likes
        9. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @C7RKY

          @atm0spheric @amcunningham @ianmsyme @mellojonny At v least charge more if they see new risk. Profits go up, payouts go down...public lose!

          0 replies 0 retweets 0 likes
        10. End of conversation
        1. New conversation
        2. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @ianmsyme @mellojonny Which is why I believe the analysis should be done by the NHS & published, not sold for best bid.

          2 replies 0 retweets 0 likes
        3. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @atm0spheric

          @atm0spheric @amcunningham @ianmsyme @mellojonny Published for who to use? If you still intend to let insurance companies see it, then no.

          2 replies 0 retweets 0 likes
        4. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @C7RKY

          @atm0spheric @amcunningham @ianmsyme @mellojonny Not unless it's to help them introduce cover for a new condition (to them) because they >

          1 reply 0 retweets 0 likes
        5. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @C7RKY

          @atm0spheric @amcunningham @ianmsyme @mellojonny have yet to establish any claims experience for that. Morally justified then. Not otherwise

          0 replies 0 retweets 0 likes
        6. End of conversation
        1. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @C7RKY

          @atm0spheric @amcunningham @ianmsyme @mellojonny And that's assuming they aren't excluded because of insight this data provided to insurers

          0 replies 0 retweets 0 likes
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        1. New conversation
        2. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @ianmsyme @mellojonny That doesn't justify poor data! But I agree - public should be given the same information.

          1 reply 0 retweets 0 likes
        3. Anne Marie Cunningham‏ @amcunningham 27 Feb 2014
          Replying to @atm0spheric

          @atm0spheric unfortunately many poor people couldn't afford to move somewhere which would reduce their premium @C7RKY @mellojonny

          2 replies 0 retweets 0 likes
        4. John Clarke‏ @C7RKY 27 Feb 2014
          Replying to @amcunningham

          .@amcunningham @atm0spheric @mellojonny You think this is just about where you live? This is SO much more than that. So much...

          1 reply 0 retweets 0 likes
        5. Eddy Ventolera‏ @atm0spheric 27 Feb 2014
          Replying to @C7RKY

          @C7RKY @amcunningham @mellojonny Yes - the philosophy is a transferrable abstraction. The specific report was about wealth and environment.

          0 replies 0 retweets 0 likes
        6. End of conversation

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