Non-Life Subsidence Zone WSI

Calculate the Subsidence Zone Weighted Sum Insured instantly.

Calculation Date Basis

Annex IX - Zone

Residential Building Sum Insured

€

Apply Lower Amount Cap

Risk Factor

0.0005

0.0005 before 30 January 2027; region Q factor from 30 January 2027

Zone Weight W

0.5

Looked up from the selected French zone

Residential Building SI

€80 000 000

Uncapped WSI

€20 000

1Step 1

Apply the selected date-basis risk factor and zone risk weight

WSI_i=Factor_i\times W_i\times SI_i

2Step 2

Apply the lower amount cap when it binds

WSI_i=\min(WSI_i,\;LowerAmount_i)

Understand the Non-Life Subsidence Zone WSI

Non-Life Subsidence Zone Weighted Sum Insured

Calculates one subsidence zone weighted sum insured using the selected calculation-date basis, region where applicable, zone risk weight, residential building sum insured, and optional lower amount cap.

Before 30 January 2027, the page uses the current France-only Article 125 factor of 0.0005 with the French zone risk-weight table. From 30 January 2027, it uses the Regulation (EU) 2026/269 regional factor and selected zone table: 0.0006 for FR and 0.0002 for BE.

Important Notes

Gross basis: Amounts are before deduction of recoverables from reinsurance contracts and special purpose vehicles unless the lower amount alternative is supportable from policy terms.
Gross vs. Net SCR: This calculator determines the standalone Non-Life Subsidence Zone WSI SCR. Solvency II risk is only finalized as a net impact on Basic Own Funds after diversification in Non-Life Risk, then within BSCR, and after the top-level LAC TP and LAC DT adjustments.
Regulatory deviation: Material deviation from standard-formula assumptions at this layer may support a capital add-on or a move toward an internal model where justified.^[1]
Reporting: The displayed result is intended to support the corresponding standard-formula component for the S.25.01.01 standard-formula reporting view.^[2]

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.