Fehlerhafte Risikoselektion bei New Business
Definition
In motor insurance, underwriting losses occurred between 2022-2024 due to high claims inflation outpacing premiums, with combined ratio at 111% in 2023 for German motor insurance.
Key Findings
- Financial Impact: € billions in underwriting losses (e.g., combined ratio 111% in 2023 motor insurance); €1.9bn technical profit strain in P&C 2024 after prior losses
- Frequency: Annual, per policy cycle
- Root Cause: Lack of real-time risk data in manual New Business underwriting
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Insurance Carriers.
Affected Stakeholders
Underwriters, Risk Managers, New Business Teams
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Kosten hoher Schadensquoten durch ungenaue Underwriting
Kundenverluste durch langsame Underwriting
Betrugskosten durch unzureichende Erkennung
Fehlentscheidungen bei Rückstellungsanpassung
Prämieneinnahmen-Unterschätzung durch Auditfehler
Kapazitätsverluste durch manuelle Schadensbearbeitung
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