Kockázatvállalás
Underwriting Risk Intelligence
Hungary · Real-time risk assessment across water, weather, structural, and industry dimensions
Total Policies
14,871
active portfolio
Active Premium
3.42B HUF
earned premium
Pending
48
awaiting decision
Referred
21
need senior review
Avg. Risk Score
51
portfolio average
Loss Ratio
54.2%
trailing 12 months
Open Claims
187
in process
Approval Rate
71.4%
auto-decisioned
Risk Dimensions
Water Damage
/ 100
Elevated exposure driven by ageing plumbing infrastructure in the Eastern and Central regions, combined with increased groundwater levels following above-average spring rainfall along the Tisza and Danube floodplains.
Sub-factors
AI model flags 23% of the portfolio in elevated flood-risk postcodes. Mandatory flood survey recommended for all property policies above the equivalent of €200K in the selected market. Reinsurance threshold adjustment advised for Q3.
Risk Score Trend
Loss Ratio by Industry
% of earned premiumRecent Weather Events
Last 90 days · HUFflood — Eastern Hungary (Tisza valley)
high2024-05-08 · 312 policies · Est. loss 1.8B HUF
28%
30d prob.
hail — Northern Hungary
medium2024-05-02 · 87 policies · Est. loss 240M HUF
42%
30d prob.
storm — Western Hungary (Transdanubia)
medium2024-04-28 · 143 policies · Est. loss 380M HUF
35%
30d prob.
drought — Southern Great Plain
high2024-04-15 · 641 policies · Est. loss 2.1B HUF
58%
30d prob.
frost — Central Hungary
low2024-03-22 · 56 policies · Est. loss 88M HUF
12%
30d prob.