🇩🇪Germany
Kundenverluste durch langsame Underwriting
2 verified sources
Definition
Premium growth subdued despite hikes; price increases (30-40%) make insurance less affordable, restraining growth amid competition.
Key Findings
- Financial Impact: 2-5% restrained premium growth (€4.75-12.5bn on €238bn GWP); static real-term growth despite nominal 5-7.5%
- Frequency: Per new business opportunity
- Root Cause: Bottlenecks in manual risk assessment queues
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Insurance Carriers.
Affected Stakeholders
Sales Teams, Brokers
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
Fehlerhafte Risikoselektion bei New Business
€ 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
Kosten hoher Schadensquoten durch ungenaue Underwriting
Combined ratio 106-111% (2023-2024); €92bn GWP with claims growth outpacing premiums by 11.3% vs 6.4%
Betrugskosten durch unzureichende Erkennung
1-3% der Auszahlungen (€100.000+ jährlich pro Mittelstand-Versicherer)
Fehlentscheidungen bei Rückstellungsanpassung
Doppel-Impact: Own Funds sinken + SCR-Anstieg; materiales Downgrade-Risiko
Prämieneinnahmen-Unterschätzung durch Auditfehler
20% zusätzliche Prämien pro Audit (Bottom-Line-Verlust ohne Audit)
Kapazitätsverluste durch manuelle Schadensbearbeitung
20-40 Stunden/Monat pro Bearbeitungsteam (bei €50/Stunde = €1.000-2.000/Monat pro Team)
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