Trust is both a prerequisite and a product of insurance, as insurance contracts are built on and create trust relations that enable a risk-averse perspective towards the future. At the same time, insurer-policyholder relationships are characterised by a persistent distrust, rooted in insurance economics and industry reputation. In this article, we discuss these dynamics through a Luhmannian understanding of (dis)trust as a complexity-reducing functional fiction resulting from social action. Beyond traditional insurance, we examine how trust relations are reconfigured by the introduction of digital technologies and data, developments that could enable new ways to calculate, price and manage risks. We critically assess the claim that these techniques make the future knowable and mitigate-or even eliminate-'the unreliable human factor', ultimately replacing trust relations with a principle of transparency. Drawing on sociology of insurance, critical data studies, and our own case-based research on digital insurance products marketed to individuals, we argue that these technologies do not eliminate uncertainties and vulnerabilities as expected in insurance discourse. Instead, they introduce new insecurities and complexities by increasing the trust relations required for insurance arrangements. Consequently, the principle of transparency offers a narrow, techno-solutionist substitute for trust, ignoring the affective aspects of insurer-policyholder relationships and potentially undermining the social contract and solidarity associated with insurance.
{"title":"(Dis)trust in Digital Insurance: How Datafied Practices Shift Uncertainties and Reconfigure Trust Relations.","authors":"Maiju Tanninen, Gert Meyers","doi":"10.1111/1468-4446.13223","DOIUrl":"https://doi.org/10.1111/1468-4446.13223","url":null,"abstract":"<p><p>Trust is both a prerequisite and a product of insurance, as insurance contracts are built on and create trust relations that enable a risk-averse perspective towards the future. At the same time, insurer-policyholder relationships are characterised by a persistent distrust, rooted in insurance economics and industry reputation. In this article, we discuss these dynamics through a Luhmannian understanding of (dis)trust as a complexity-reducing functional fiction resulting from social action. Beyond traditional insurance, we examine how trust relations are reconfigured by the introduction of digital technologies and data, developments that could enable new ways to calculate, price and manage risks. We critically assess the claim that these techniques make the future knowable and mitigate-or even eliminate-'the unreliable human factor', ultimately replacing trust relations with a principle of transparency. Drawing on sociology of insurance, critical data studies, and our own case-based research on digital insurance products marketed to individuals, we argue that these technologies do not eliminate uncertainties and vulnerabilities as expected in insurance discourse. Instead, they introduce new insecurities and complexities by increasing the trust relations required for insurance arrangements. Consequently, the principle of transparency offers a narrow, techno-solutionist substitute for trust, ignoring the affective aspects of insurer-policyholder relationships and potentially undermining the social contract and solidarity associated with insurance.</p>","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":" ","pages":""},"PeriodicalIF":2.7,"publicationDate":"2025-05-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144095571","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Afropessimism is a critical framework that is often used to analyse anti-Black violence and its deep entrenchment within systems and structures that perpetuate Black subjugation. By conceptualising Black life as ‘non-life’, afropessimism examines how anti-Black violence shapes health disparities, influencing who is deemed worthy of care and underscoring the systemic nature of this (d)evaluation. This framework holds significant potential for anti-racist efforts that aim to address Black health disparities by exposing their root causes. However, afropessimism's central claim—that Black people are not only excluded from the category of the ‘human’ but are also positioned as its antithesis—poses challenges for anti-racist strategies focussed on affirming recognitions of Black humanity to achieve health equity. This paper critically investigates the role of afropessimism in anti-racist health promotion by examining divergent perspectives within its schools of thought. While all scholars who use afropessimist frameworks critically interrogate the systemic inequities that harm Black populations, they differ in their views on the potential for Black life within and beyond current anti-Black systems and structures. These differences lead to varying implications for advancing anti-racist health initiatives and promoting health justice through afropessimism. By analysing how afropessimism may inform anti-racist health frameworks, this paper explores how its distinct theoretical perspectives can enrich, challenge, and constrain efforts to dismantle racial health inequities.
{"title":"Racial Health Equity and the Question of Black (Non?) Being: Exploring the Uses of Afropessimism in Approaches to Anti-Racist Health Promotion","authors":"Tanisha Spratt","doi":"10.1111/1468-4446.13232","DOIUrl":"10.1111/1468-4446.13232","url":null,"abstract":"<p>Afropessimism is a critical framework that is often used to analyse anti-Black violence and its deep entrenchment within systems and structures that perpetuate Black subjugation. By conceptualising Black life as ‘non-life’, afropessimism examines how anti-Black violence shapes health disparities, influencing who is deemed worthy of care and underscoring the systemic nature of this (d)evaluation. This framework holds significant potential for anti-racist efforts that aim to address Black health disparities by exposing their root causes. However, afropessimism's central claim—that Black people are not only excluded from the category of the ‘human’ but are also positioned as its antithesis—poses challenges for anti-racist strategies focussed on affirming recognitions of Black humanity to achieve health equity. This paper critically investigates the role of afropessimism in anti-racist health promotion by examining divergent perspectives within its schools of thought. While all scholars who use afropessimist frameworks critically interrogate the systemic inequities that harm Black populations, they differ in their views on the potential for Black life within and beyond current anti-Black systems and structures. These differences lead to varying implications for advancing anti-racist health initiatives and promoting health justice through afropessimism. By analysing how afropessimism may inform anti-racist health frameworks, this paper explores how its distinct theoretical perspectives can enrich, challenge, and constrain efforts to dismantle racial health inequities.</p>","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":"76 4","pages":"898-906"},"PeriodicalIF":3.3,"publicationDate":"2025-05-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/1468-4446.13232","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144095656","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Fall and Rise of the English Upper Class: Houses, Kinship and Capital Since 1945. By Daniel Smith, Manchester: 2023","authors":"Eve Worth","doi":"10.1111/1468-4446.13227","DOIUrl":"https://doi.org/10.1111/1468-4446.13227","url":null,"abstract":"","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":"76 4","pages":"945-946"},"PeriodicalIF":3.3,"publicationDate":"2025-05-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144999089","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Distancing the Past: Racism as History in South African Schools By Teeger, Chana, New York: Columbia University Press, 2024.","authors":"Berenike Firestone","doi":"10.1111/1468-4446.13228","DOIUrl":"https://doi.org/10.1111/1468-4446.13228","url":null,"abstract":"","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":"76 4","pages":"943-944"},"PeriodicalIF":3.3,"publicationDate":"2025-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144999134","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Review of The Sound of Difference: Race, Class and the Politics of 'Diversity' in Classical Music By Kristina Kolbe, 2024, Manchester University Press, vii + 281 pp., #85 (hardcover), ISBN 9781526165497","authors":"Rafal Zaborowski","doi":"10.1111/1468-4446.13226","DOIUrl":"https://doi.org/10.1111/1468-4446.13226","url":null,"abstract":"","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":"76 4","pages":"941-942"},"PeriodicalIF":3.3,"publicationDate":"2025-05-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144999079","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}