Exposure record review
Asset configuration, stated use and material documents reconciled with the policy record.
Underwriting & Coverage Intelligence
Understand the vehicle you’re covering.
Connect vehicle configuration, operating use and policy evidence to specialist referrals and portfolio analysis.
Insurance Intelligence Scoping programme
edge. Coverage intelligenceIllustrative
Chassis₹18.0LDeclared
Load body₹6.0LDeclared
Refrigeration₹4.0LRefer for review
Policy scheduleChassis + load bodyEquipment scope open
The inspection names a refrigeration unit absent from the declaration.
What you receive
The configuration, cover and open questions.
Coverage questions
Items requiring an authorised review of descriptions, endorsements or supporting evidence.
Portfolio analysis
Claims and exposure patterns across supported configuration and use cohorts, with coverage limits.
Referral criteria
Proposed specialist review triggers evaluated with underwriting and actuarial owners.
An illustrative engagement
A specialised equipment portfolio
A insurer examines how mounted equipment is described across a commercial motor portfolio and whether that description is consistent with subsequent claims records.
The review file connects
Explore the working sampleProposed use case · not a customer result01
Exposure and endorsement history
02
Equipment and configuration records
03
Comparable claims outcomes
How it works
From the source to the receiving team.
- 01
Choose the exposure question
Define the asset segment, policy period and intended underwriting use.
- 02
Reconcile the records
Connect configuration and endorsements with exposure and claims history.
- 03
Test the findings
Review cohort comparability, loss development and the evidence for any proposed rule.
- 04
Agree controlled use
Document the insurer’s approved interpretation, validation and monitoring requirements.
Scope & evaluation
Agree the evidence.
Define a useful result.
Use the details below to assess fit with your workflow.
01 Evidence requirements5 inputs
- Policy and exposure records
- Endorsements and asset descriptions
- Operating-use and modification declarations
- Claims and loss-development history
- Underwriting and actuarial review criteria
02 Evaluation measures4 measures
- Completeness of configuration attributes
- Confirmed coverage-review questions
- Stability of supported cohort findings
- Specialist referral usefulness
03 Scope and outputs in detail
The programme examines how bodies, mounted equipment, modifications and use are represented in exposure and claims records. It supports a focused underwriting question and tests proposed portfolio insights against the insurer’s own history and validation requirements.
Outputs to assess
- A configuration coverage assessment
- A supported cohort analysis
- Questions for underwriting and actuarial review
Scope, permissions, integrations and acceptance criteria are agreed before work begins. Your authorised team retains the institutional decision.
Questions
Can the analysis be used directly to set premiums?
Any pricing use follows the insurer’s actuarial validation and approval process. The programme states what the evidence supports and how the proposed use was evaluated.
Can electric commercial vehicles be included?
Yes, where the asset, battery, exposure and claims evidence support a defined question. Sparse or immature loss history is identified explicitly.
How are modifications handled?
The review records the source, date and declared scope of a modification. The insurer determines its relevance to underwriting, coverage and required follow-up.
The next conversation
Start with this workflow.
Bring a representative set of records and the team responsible for assessing the output.
Start a conversationTalk to the desk.
Tell us who you are and the decision you are pricing. The first conversation costs nothing. A reply comes on working days.
Or write to [email protected].