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UNREST

Data-driven insight for an unpredictable world.

Developed through an exclusive partnership between Howden Re and Synthetik Insurance Technologies, UNREST (Understanding Networked Risk, Exposure and Scenario Trends) is a next-generation global analytics capability.

Combining property-level analytics with dynamic event simulation, it reveals where exposure is concentrated, how events could unfold and what they could mean for your portfolio, helping you make more confident underwriting, portfolio management and reinsurance decisions.

Built for the changing nature of civil unrest

Civil unrest is becoming more frequent, more localised and increasingly difficult to assess using traditional approaches.

Many insurers still rely on historical losses or broad geographic assessments that provide limited insight into how events may unfold or where concentrations of exposure exist.

UNREST changes that.

Rather than looking backwards at historical events alone, UNREST models how future unrest could develop, enabling insurers and reinsurers to assess exposure with greater confidence and make better-informed commercial decisions.

Turning uncertainty into underwriting insight

UUNREST combines Howden Re’s market expertise with Synthetik’s advanced modelling capability to deliver a clearer view of Strikes, Riots and Civil Commotion risk (SRCC) risk.

Rather than looking backwards at historical events alone, UNREST models how future unrest could develop, enabling insurers and reinsurers to assess exposure with greater confidence and make better-informed commercial decisions.

Whether reviewing an individual risk, monitoring portfolio accumulations or shaping a reinsurance programme, UNREST delivers the insight you need where it matters most.

How it works

UNREST combines advanced analytics with realistic event simulation to create a detailed view of SRCC exposure across insured portfolios:

Maps exposure at individual property level.
Simulates realistic civil unrest scenarios and event footprints.
Identify global accumulation and concentration risk.
Quantifies potential portfolio impacts.
Supports underwriting, portfolio optimisation and reinsurance purchasing decisions.

Key business benefits

More confident underwriting

Assess SRCC exposure with greater precision, helping underwriters make better-informed pricing and risk selection decisions.

Clearer portfolio visibility

Identify concentrations of exposure and understand where civil unrest could create unexpected accumulation risk.

Stronger reinsurance strategy

Use realistic scenario analysis to support treaty design, capital allocation and portfolio optimisation. Understand the impact of occurrence definitions on realistic event scenarios.

Better risk resilience

Stress test portfolios against plausible civil unrest events to improve strategic planning and strengthen long-term portfolio performance.

What makes UNREST different

Purpose-built for SRCC
Designed specifically to understand Strikes, Riots and Civil Commotion risk, rather than adapting broader catastrophe models.
Property-level intelligence
Moves beyond postcode or regional analysis to provide detailed insight into individual asset exposure.
Dynamic scenario modelling
Models how civil unrest could realistically develop and spread instead of relying solely on applying probable max loss percentages to portfolio aggregates.
Exclusive to Howden Re
Combines Howden Re's reinsurance expertise with Synthetik's advanced modelling capability through an exclusive partnership.

Understand unrest. Underwrite with confidence.

UNREST helps insurers and reinsurers to better understand aggregation risk and damageability factors – giving them the clarity needed to underwrite with confidence, manage accumulation more effectively and build more resilient portfolios.