Non-Life Windstorm Risk Grouping Simplification

Calculate the Windstorm Grouped Sum Insured instantly.

Group	Sum Insured	Highest Risk Weight	Weighted Sum Insured
Windstorm Group 1	Windstorm group 1 sum insured€	Windstorm group 1 risk weight%	€0(0.50%)
Windstorm Group 2	Windstorm group 2 sum insured€	Windstorm group 2 risk weight%	€0(0.00%)
Windstorm Group 3	Windstorm group 3 sum insured€	Windstorm group 3 risk weight%	€0(0.00%)
Windstorm Group 4	Windstorm group 4 sum insured€	Windstorm group 4 risk weight%	€0(0.00%)
Windstorm Group 5	Windstorm group 5 sum insured€	Windstorm group 5 risk weight%	€0(0.00%)
Windstorm Group 6	Windstorm group 6 sum insured€	Windstorm group 6 risk weight%	€0(0.00%)
Windstorm Group 7	Windstorm group 7 sum insured€	Windstorm group 7 risk weight%	€0(0.00%)
Windstorm Group 8	Windstorm group 8 sum insured€	Windstorm group 8 risk weight%	€0(0.00%)
Windstorm Group 9	Windstorm group 9 sum insured€	Windstorm group 9 risk weight%	€0(0.00%)
Windstorm Group 10	Windstorm group 10 sum insured€	Windstorm group 10 risk weight%	€0(0.00%)

Windstorm Grouped Sum Insured

€6 000

1Step 1

Weight each windstorm group by the highest risk weight in that group

Weighted_i=SumInsured_i\times RiskWeight_i

2Step 2

Sum weighted groups to produce the grouped sum insured simplification

GroupedSI=\sum_i Weighted_i

Understand the Non-Life Windstorm Risk Grouping Simplification

Overview

Article 90b permits grouped natural catastrophe exposure data where the highest applicable risk weight is retained for each group.^[1]

Input Terms

Windstorm Group Sum Insured: The sum insured for each windstorm exposure group used in the Article 90b natural catastrophe simplification.^[1]^[2]
Windstorm Group Highest Risk Weight: The highest applicable windstorm risk weight assigned to the exposure group.^[1]^[2]

Technical Rationale

For windstorm, the grouped exposure remains Article 121-compliant only when each group retains the highest applicable windstorm-zone weight.^[2]

Important Notes

Grouping condition: The simplification should not understate windstorm exposure by combining zones with different risk weights unless the Article 90b highest-risk-weight rule is preserved.^[1]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.