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Extraordinary Risks Statistical Data

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Estimation of property insured capital by postcode and kind of property

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Estimation of property insured capital by post code [Download XLS] [Download CSV]

Description

Estimate of insured capital in property damage, based on the surcharges by kind of property reported to Consorcio by insurance companies through the SIR (surcharge declaration system) with the situation of the policies as of the reference date.

Publisher

Consorcio de Compensación de Seguros

Distributions

estimacion_bienes_asegurados_por_codigo_postal

License

Attribution 4.0 International (CC BY 4.0)

Additional information
  • Reference dates: 31-12-2023, 31-12-2022, 31-12-2021
  • Update frequency: Annual
  • Geographical coverage: Spain
  • Geographical unit: Post code
  • Languages: Spanish
  • Keywords: 'Sums insured', 'Property', 'Number of policies'.
  • Available format: XLS, CSV
  • Fee: Free
Limitations of use

The starting point is the distribution of surcharges by post code and risk class as reported to Consorcio de Compensación de Seguros by the insurance companies through the SIR with the situation of the policies as of reference date. Deviations may occur due to, among other reasons, the attribution of multiple risk locations to a single post code.

Certain assumptions have been applied to the distribution of surcharges of post codes not found, these representing 2.8% of the total.

Certain assumptions have been applied to determine the economic value of vehicles as they have no associated capital.

Certain average rate assumptions have been applied to transform surcharges into capital.

An estimate of sums insured (not exposed capital, but sums insured) per postcode is obtained.

Data Dictionary
Column Type Description
codigo_postal text Post codes reported to Consorcio by insurance companies through the SIR (surcharge declaration system).
numero_de_polizas integer Number of policies in force valid for the estimation.
total_capitales float Value in euros of the total of sums insured for property damage by postcode, regardless of the kind of property.
capital_viviendas float Value in euros of the total of sums insured for residential property damage.
capital_vehiculos float Estimated value in euros of vehicles with Spanish license plates by the postcode of the policyholder's address.
capital_resto_de_riesgos_comerciales_industriales_e_infraestructuras float Value in euros of sums insured for property damage by postcode in the kinds of property: `offices, commercial, industrial, infrastructure and others'.
fecha_referencia date Reference date of data in DD/MM/YYYY format