Com-PASS Advisory is an actuarial consulting practice serving non-life insurers across Central and Eastern Europe. We work alongside pricing, reserving, and risk teams as long-term partners, delivering the actuarial science and the engineering it runs on.
Three product lines that close the loop on motor pricing. An engine that prices each quote. A workbench that shows how the market is moving. A diagnostic and modelling layer that keeps the engine honest over time.
A pricing engine for MTPL and CASCO that takes the wider motor market into account on every quote. The benefit is straightforward. Lower loss ratio at the volume you already have, or higher volume at the loss ratio you already accept. Covers both new business and renewal retention, with lapse modelling feeding into both.
A web application for pricing teams. It tracks competitor tariffs, market share, and structural shifts so you see the full picture of the motor market. The picture you defend in front of management, not only calibrate against.
The diagnostic and modelling layer that feeds Dynamic Pricing. Risk Reporting shows where loss characteristics are heading. AVA identifies the segments where the risk model is mispricing and produces an updated model. A static GLM tariff stops being static.
Most pricing tools look only at your own loss data and your own ratebook. We track competitor pricing across CEE markets every month and feed that signal into every pricing cycle — so your decisions are made against the full picture, not just your own book.
A Prague-based team, in your time zone, with first-hand experience of how these markets actually behave. Senior actuaries and engineers at the table from day one — no layer of coordinators in front of them. The person who builds the model is the one who presents it to your board.
We come in as long-term partners, not project teams that hand off and disappear. Actuarial discipline and engineering craft under one roof — so what gets delivered is rigorous enough for your board and usable enough for the people running it day to day.