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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: 31-12-2024, 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

This is based on the distribution of surcharges by postcode and risk class communicated to us by insurance companies through the SIR surcharge declaration system with the status of policies on the reference date (see tab name). There may be deviations, among other reasons, because several risk locations are allocated to a single postcode.

In the capital estimates for 2021 and 2022, certain assumptions have been applied to the distribution of surcharges corresponding to postcodes not recognised by the Spanish National Statistics Institute or the Spanish Postal Service.

In 2023 and 2024, the data associated with these unrecognised postcodes are grouped under the category ‘Invalid’. Specifically, for 2024, they are detailed in the following table and represent 0.17% of the total number of policies and 1.38% of the total insured capital.

 

Postcode Total policies Total capital Total homes Vehicle capital Capital for other risks
INVALID 105.512 99.574.223.951 5.383.821.452 10.054.788 94.180.347.712

 

 

 

Certain assumptions have been applied to estimate the economic value of the vehicles, since they do not have associated capital.

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

The results obtained represent an estimate of the insured capital (not exposed capital, but insured capital) per CP.

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