A detailed dataset of motor insurance policies with coverage-specific financial information

This article presents a dataset of anonymised motor insurance policies from a Spanish insurance company covering the period 2022-2024. The dataset contains 354,140 policy-year observations and >185,000 unique insured policies per year, with a total of 47 variables. The dataset includes detailed information on policy and insured characteristics, driver and vehicle characteristics, as well as financial information such as premiums, exposure and claims. A systematic data processing and validation procedure was applied to ensure internal consistency, including the removal of duplicate policy-year records, standardisation of categorical variables and validation of numerical ranges. A key feature of the dataset is the detailed disaggregation of premiums, exposures, claim counts and incurred amounts by insurance coverage, including third-party liability (material and bodily injury), property damage, theft, fire, glass, legal protection and occupants. This structure supports reuse in actuarial pricing, risk modelling and insurance research.