Motor Insurance Risk Analytics Dataset

This dataset contains French Motor Third-Party Liability (MTPL) insurance policy and claims information, widely used in actuarial science, insurance risk modeling, and predictive analytics.

The dataset combines policy-level characteristics with claims information and can be used for:

• Insurance Risk Analytics
• Claims Frequency Modeling
• Claims Severity Modeling
• Expected Loss Estimation
• Portfolio Risk Assessment
• Pricing and Underwriting Research
• Machine Learning Applications
• Predictive Modeling and Forecasting

Files

freMTPL2freq.csv

Policy-level information including:

• Policy ID
• Exposure
• Driver Age
• Vehicle Age
• Vehicle Power
• Bonus-Malus
• Region
• Population Density
• Number of Claims

freMTPL2sev.csv

Claim-level information including:

• Policy ID
• Claim Amount

Potential Use Cases

• Risk Intelligence Dashboards
• Insurance Portfolio Analytics
• Actuarial Modeling
• Pricing Optimization
• Claims Analytics
• Risk Segmentation
• Data Science and Machine Learning Projects

Data Source

French Motor Third-Party Liability (MTPL) Dataset from the CASdatasets project.

Reference: Dutang, C. & Charpentier, A. CASdatasets – Actuarial and Insurance Datasets.

License: GPL-2 / GPL-3

The Actuarial Consulting Services market is booming, reaching an estimated $15 billion in 2025 and projected for significant growth through 2033. Discover key market trends, regional analysis, and leading companies driving innovation in risk management, predictive analytics, and insurance consulting.

Explore the booming Actuarial Software for Insurance Pricing market, projected to reach $860 million by 2025 with a 6.6% CAGR. Discover key drivers, trends, and segments shaping this critical industry sector.

Context & Inspiration

Understanding the drivers of healthcare costs is a foundational challenge in actuarial science and predictive modeling. While traditional datasets often rely strictly on basic demographics (age, BMI, smoking status), this extended dataset provides a more holistic view of a beneficiary. By integrating lifestyle choices (exercise frequency), socioeconomic indicators (annual income, occupation risk), and broader health metrics (blood pressure, pre-existing conditions), this dataset allows for the development of highly nuanced, multidimensional regression models to predict medical premiums.

Column Descriptions

Climate Risk Attribution Insurance Market Outlook 2025-2034

The global climate risk attribution insurance market was valued at $3.1 billion in 2025 and is projected to reach $22.1 billion by 2034, expanding at a compound annual growth rate (CAGR) of 18.9% during the forecast period 2026-2034. This emerging and rapidly evolving segment of the specialty insurance industry sits at the intersection of climate science, legal liability, and risk finance, providing policyholders with structured protection against losses that can be scientifically attributed to anthropogenic climate change. As attribution science matures - allowing researchers to quantify the degree to which a specific extreme weather event was intensified or made more probable by human-driven greenhouse gas emissions - insurers are increasingly developing bespoke products that harness these scientific findings to establish causation-based coverage triggers and liability defense mechanisms. The market has moved from niche academic discussion to active underwriting desks at the world's largest reinsurers, driven by a confluence of regulatory mandates, expanding judicial recognition of climate science, and unprecedented catastrophic loss events that are reshaping actuarial models globally.

The primary growth driver behind this market's remarkable trajectory is the rapid maturation and institutionalization of climate attribution science. Between 2019 and 2025, the volume of peer-reviewed attribution studies grew by more than 340%, with organizations such as the World Weather Attribution consortium producing real-time event attribution analyses within days of major disasters. By 2025, attribution science methodologies had been formally recognized in legal proceedings in at least 14 jurisdictions across North America, Europe, and Australia, creating a direct and legally admissible link between documented greenhouse gas emissions and identifiable economic losses. This judicial acceptance dramatically expanded the addressable market for climate risk attribution insurance, as utility operators, infrastructure owners, agricultural enterprises, and forestry companies facing litigation exposure began seeking purpose-built coverage solutions. Insurers offering liability defense products backed by causation data now command significant pricing power, with average premiums for litigation-support coverage lines growing at rates exceeding 22% annually through 2026. The convergence of science, law, and capital markets is creating one of the most dynamic specialty insurance niches of the decade.

The Brazilian vehicle fleet is intrinsically related to national economic growth, changes in consumer habits and market trends. It has already reached over one hundred million units and continues to grow. As a result, growth in insurance claims related to accidents, theft and fires is expected to occur. Additionally, while transfer of risk to insurer becomes essential, it causes a shift in demand for a higher quantity of precise and grounded premium estimates by insurance companies. Data analysis for automobile insurance requires actuarial methods that consider risk factors such as driver and vehicle features. Consequently, this study sought to estimate risk premium for different vehicle categories as classified by Superintendence of Private Insurance - SUSEP considering driver’s sex and age, as well as national region. To achieve this goal, regression models for claims frequency and severity of claims, using Poisson, Gaussian Inverse Poisson, and Negative Binomial for claims frequencies, as well as Gamma, Gaussian and Log-Gaussian for severity of claims.

Climate-Adaptive Property Insurance with Resilience Pricing Market Outlook 2025-2034

The global climate-adaptive property insurance with resilience pricing market was valued at $3.1 billion in 2025 and is projected to expand to $11.4 billion by 2034, registering a compound annual growth rate (CAGR) of 16.0% over the forecast period 2026-2034. This market sits at the intersection of climate science, actuarial modeling, and property underwriting, offering insurance products whose premiums, coverages, and deductibles are dynamically recalibrated based on a policyholder's physical resilience investments and the evolving hazard profile of their property location. Unlike conventional property insurance, which applies static risk tables, climate-adaptive products incorporate real-time satellite imagery, soil composition data, heat island mapping, and structural hardening audits to price policies with unprecedented granularity and fairness, rewarding property owners who invest in flood barriers, fire-resistant roofing, and hardened foundations with meaningful premium discounts.

The primary catalyst propelling this market is the historic escalation in climate-related insured losses globally. Between 2020 and 2025, average annual insured catastrophe losses surpassed $120 billion, more than double the decade-prior average, with hurricanes, wildfires, and inland flooding accounting for the majority of property claims. Traditional insurers have responded by withdrawing from high-risk geographies - including coastal Florida, California wildfire interface zones, and Gulf Coast corridors - creating acute coverage gaps that have become politically and economically untenable. Climate-adaptive insurers are filling this void by using granular parcel-level data to distinguish between high-risk and resilience-hardened properties within the same ZIP code, enabling profitable underwriting in markets that blanket-model insurers have abandoned. The entry of artificial intelligence platforms capable of ingesting LiDAR topography, NOAA storm-surge projections, and building materials data has compressed the time to generate a resilience-based quote from weeks to minutes, democratizing sophisticated risk differentiation for carriers of all sizes. Regulatory tailwinds are also accelerating adoption, as state insurance commissioners in California, Florida, Texas, and Louisiana have begun mandating resilience credits and requiring carriers to demonstrate climate-informed underwriting practices as a condition of market participation. The confluence of these forces - coverage gaps, regulatory pressure, and technological enablement - positions the climate-adaptive property insurance with resilience pricing market for sustained double-digit growth through 2034.

Climate Stress Testing for Insurers Market Outlook

According to our latest research, the global climate stress testing for insurers market size reached USD 1.42 billion in 2024, demonstrating robust momentum as insurers worldwide increasingly incorporate climate risk into their strategic frameworks. The market is expected to grow at a CAGR of 17.6% from 2025 to 2033, reaching a forecasted value of USD 6.07 billion by 2033. This growth is fueled by the stringent regulatory mandates, rising frequency of climate-related catastrophes, and the urgent need for insurers to align their portfolios with environmental, social, and governance (ESG) standards.

The primary drivers of the climate stress testing for insurers market are the growing regulatory pressures and evolving supervisory expectations. Global regulatory bodies such as the International Association of Insurance Supervisors (IAIS), the European Insurance and Occupational Pensions Authority (EIOPA), and the Bank of England have mandated climate stress testing as a critical risk management practice. Insurers are now required to evaluate the resilience of their portfolios under various climate scenarios, including physical risks from extreme weather events and transition risks arising from policy and market shifts. This regulatory push is compelling insurers to invest heavily in advanced climate risk analytics, scenario modeling software, and consulting services, thereby driving market expansion.

Another significant factor propelling the market is the increasing frequency and severity of climate-related disasters, which have heightened the urgency for robust risk assessment frameworks. Catastrophic events such as hurricanes, wildfires, and floods have resulted in substantial insured losses globally, exposing the vulnerability of traditional risk models. Insurers are recognizing the imperative to integrate climate science with actuarial modeling to better anticipate and mitigate future losses. The adoption of climate stress testing tools enables insurers to quantify potential financial impacts, optimize reinsurance strategies, and enhance underwriting accuracy, ultimately improving their operational resilience.

The growing investor and stakeholder emphasis on ESG compliance and sustainable finance is also shaping the climate stress testing for insurers market. Institutional investors, rating agencies, and policyholders are increasingly scrutinizing insurers’ climate risk disclosures and sustainability practices. This has prompted insurers to adopt comprehensive climate stress testing solutions that support transparent reporting, scenario analysis, and portfolio alignment with net-zero targets. As a result, the market is witnessing a surge in demand for integrated platforms that offer end-to-end climate risk assessment, regulatory compliance, and portfolio management capabilities.

Regionally, Europe has emerged as the frontrunner in the adoption of climate stress testing for insurers, driven by proactive regulatory frameworks and ambitious climate policies. North America is rapidly catching up, with major insurers and reinsurers leveraging advanced analytics to manage climate exposures. The Asia Pacific region is poised for significant growth, fueled by increasing climate vulnerability, regulatory reforms, and the expansion of the insurance sector. Latin America and the Middle East & Africa are gradually entering the market, supported by international collaborations and technology transfer initiatives. Overall, the global market is characterized by dynamic regional trends, with each geography presenting unique opportunities and challenges for insurers.

Component Analysis

The component segment of the climate stress testing for insurers market is categorized into software, services, and platforms, each playing a pivotal role in supporting insurers’ climate risk management initiatives. Software solutions are at the core of this segment, offering advanced analytics, scenario modeling, and data visualization ca

Wellness-Based Life Insurance Underwriting Market Outlook 2025-2034

The global wellness-based life insurance underwriting market was valued at $4.8 billion in 2025 and is forecast to reach $32.1 billion by 2034, expanding at a robust compound annual growth rate (CAGR) of 23.4% during the forecast period 2026-2034. This exceptional growth trajectory places wellness-based underwriting among the most dynamic segments within the broader insurance technology and life and health analytics industry, which is projected to exceed $31.76 billion by 2031 across adjacent verticals. The market encompasses insurance products and underwriting platforms that integrate real-time behavioral, biometric, and lifestyle data into premium calculation, risk segmentation, and policy issuance workflows, fundamentally transforming how life insurers assess mortality, morbidity, and longevity risk.

The primary engine powering this market's extraordinary expansion is the dramatic proliferation of consumer-grade wearable health technology and digital health applications that generate continuous, longitudinal streams of physiologically validated data. In 2025, an estimated 580 million wearable health devices are active globally, producing upward of 4.2 exabytes of health data annually. Insurers that successfully harness this data can construct far more granular risk profiles than traditional underwriting allows, reducing adverse selection, improving mortality model accuracy, and enabling dynamic premium adjustments tied to verified policyholder behavior. The transition from static, point-in-time medical underwriting to continuous, engagement-driven risk monitoring represents a structural shift equivalent to the industry's adoption of actuarial science in the early twentieth century. Moreover, consumer sentiment has shifted decisively in favor of personalized insurance products: surveys conducted in 2025 consistently show that more than 67% of life insurance applicants aged 25 to 45 would accept sharing health data in exchange for premium discounts, accelerated underwriting, or wellness rewards. Regulatory frameworks in the United States, United Kingdom, Singapore, Australia, and several European Union member states have progressively accommodated dynamic and behavior-linked underwriting rules, removing a key barrier to adoption. Concurrent advances in federated machine learning enable insurers to train predictive mortality models on distributed data without centralizing sensitive health records, addressing privacy concerns at scale. Pharmacy transaction data integration is also gaining traction as a supplementary input, allowing underwriters to validate medication adherence and chronic condition management without relying exclusively on self-reported health histories. As all these forces converge through the forecast period, the wellness-based life insurance underwriting market is positioned to reshape the global life a