Insurance data privacy & ethics - how far does the market need to go?

This is an interesting topic - because if you see insurers who follow GDPR across Europe for example - they have different interpretations.
GDPR should be seen as a mechanism to share data under lawful conditions when often it can be said that it is instead used to say no to sharing. This has an impact to fraud - especially with data sharing and we all know that fraudsters are not vertical specific i.e. if they commit insurance fraud, they may commit banking fraud, tax fraud, benefits fraud etc.
Having a platform that is transparent, explains decision making and only uses the data required to make decisions is very important. Especially when considering multiple use cases - with data collected under different gateways i.e. consent versus legitimate interest.