Underwriting Data Input: The data required is very comprehensive. It captures most of the details available in the proposal
Underwriting Data Output: The macro data statistics that can be generated are with regard to the motor portfolio distribution among all insurers. The classes and sub-classes of vehicles and their distribution across the national zones. Premium quantum distribution across all classes of vehicles and the nature and extent of the additional coverage of various risks.
Claims Data Input: The claims data requirement sets out to capture a detailed picture of the types, nature and quantum of claims paid separately for OD and TP.
Underwriting Input Data: The particulars of every risk accepted by the insurers are obtained and can be grouped as under: Vehicle particulars and Claims Input Data
Claims Output: The claims reports generated from the data are normally expressed in the following forms: i. Claims paid in absolute terms against premium class wise. ii. Distribution of premium and claims coverage - wise and class-wise. iii. Incurred claims ratios are a truer picture of the business as they adjust for previous years losses.
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