Refurbed - OLD

• Monitor results EW
• Get tender details for 2026 (to keep EUR 3m EW and EUR 2m additional on damage) against Bolttech

Call 06.12.2024

reconciliation claims reparation, difficult because reparation costs were not associated to each claim.

--> Evy states that Web distributed products have lower frequency.

--> important is price sensitivity.

--> Benchmark frequency AD 1 year 12-13% France

7% Italy

8+% MM poland

--> Renewal rate higher in Italy

Example :

--> Web frequencies are lower for online retail.

-->70% of frequency, behavioural impacts, ( forgetful rate),

In the case of web, clients forgets that he has the insurance.

--> attachment rates ( 9%), GWP max 10% of item value. Absolute value is important as well, 29€ threshold. 300 item value max insurance value is 30€. only include EW.

Digital:

--> Pattern degressif ( taux d’oubli)

--> Pattern Physic, linear, 30% annual frequency occurs in the latest months.

--> sales are mostly by the end of year, apple launches a new phone in september,

--> Fraud, self harmening of phones when a new phone is launched.