Simon de la Hoyde

speaker

94 appearances 2 recordings 1 series first heard Jul 2026 last heard 11 Aug

Simon de la Hoyde’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 1.

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Making Risk Flow | The Future of Insurance · Why Better Data Helps Underwriters Say 'Yes' More Often | Mark Varley & Simon de la Hoyde · 14 Jul 2026 podcast

And point of quote accumulation gives that ability to understand what the level of accumulated risk for, let's say, exposure to flood, a flood catchment.

We manage all of those flood catchment areas, looking at return periods, one in 100, one in 200 year return period extents, and identifying what level of accumulation the existing book of a carrier has within that.

So then, therefore, at a point of quote, what capacity is left within that area can be filled quite happily before hitting any limits of insurance and reinsurance.

So it does both things.

It enables them to write more business because it's categorically defining where the level of capacity remains within the network, and conversely, stopping overtopping your limits and therefore potentially...

breaching your reinsurance treaty or some of your capital that's reserved behind your book.

There are a few angles to that.

And I think the primary one for us is accumulation again.

It comes down to appetite and capacity.

So there was that element.

What we're also seeing within the market, and we partner with Flood Re and provide services to that platform.

So when we're talking here about

enabling insurers to confidently take a level of risk to a point where it's very clear and conscious, but stop at that point.

It's something that they may well have previously thought, well, we'll see that risk to Flood Re.

But in terms of those mitigation steps, there's a lot of great things happening in the market around the Flood Re's program of Build Back Better.

There's also floods and the certification of property for resilience factors as well.

So that's coming into play.

So to be able to bring that information into the overall mix of the decision making that an underwriter has in terms of accepting that risk or not, then it's becoming a much richer data market from a factual perspective that helps that loss mitigation perspective be solved.

The piece that we are trying to assist with is pushing the quality of the decision making and with it the data that is presented to the underwriter closer towards that kind of finishing line of full understanding of what the loss cost potential is of an SOV that is being considered to be written.

And yes, that's often several day process of a full cap model against a large part of the book to generate that lost cost value is historically where the market has been.

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