Solvency Capital Requirement (SCR)

For the "Income Protection" product described below in the "background of the question" can you kindly provide guidance on which shocks we should apply in calculation of the SCR? We are currently applying the normal standard ones 1. Central 2. Lapse up/down/mass 3. Expenses and inflation Do we need to apply the disability shocks to the Romania TTD or is this not required? Our thinking is that the "disability shocks" are not bases on traffic accidents but rather accidents unrelated to vehicle activity?

We write credit protection insurance (CPI) and adding a product to our SII (SCR) assesment for the first time this quarter. The product is classified as "Income Protection" and is called "Driver insurance/traffic accident" The product details is that policyholder get benefits only in the case of a traffic accident while driving his/her motor vehicle The benefit is for > hospitilasation (in Italy) in case of traffic accident > Disability (in Romania) in case of traffic accident