// insight.jsx - Cova Insight: portfolio risk overview + Cova recommendations const { useMemo: useMemoIn } = React; function buildInsight(assets, claims) { const D = window.VC_DATA; const p = D.portfolio(assets); // portfolio risk score: coverage gap weight + asset risk mix + lapsing. // Factors are kept so Cova's chat can explain the score in plain language. const highRisk = assets.filter((a) => ["marine", "jewelry"].includes(a.category) || a.replacement >= 100000000); const factors = { base: 20, gapPoints: Math.round((1 - p.covered) * 45), mixPoints: Math.min(18, highRisk.length * 6), lapsingPoints: Math.min(12, (p.counts.lapsing || 0) * 6), highRiskCount: highRisk.length, lapsingCount: p.counts.lapsing || 0, }; let score = factors.base + factors.gapPoints + factors.mixPoints + factors.lapsingPoints; score = Math.min(95, Math.max(8, score)); const level = score >= 60 ? "High" : score >= 35 ? "Elevated" : "Healthy"; const recs = []; const uninsured = assets.filter((a) => a.status === "uninsured"); const partial = assets.filter((a) => a.status === "partial"); const lapsing = assets.filter((a) => a.status === "lapsing"); const unbundled = assets.filter((a) => !a.bundle && a.insurer); if (uninsured.length) recs.push({ icon: "alert", tone: "danger", title: `${uninsured.length} asset${uninsured.length > 1 ? "s" : ""} fully exposed`, detail: `${uninsured.map((a) => a.name).slice(0, 2).join(", ")}${uninsured.length > 2 ? " +" + (uninsured.length - 2) : ""} - ${D.fmtNaira(uninsured.reduce((s, a) => s + a.replacement, 0))} at risk with no cover.`, action: "Insure now", chat: "Insure my uninsured assets" }); if (partial.length) recs.push({ icon: "trend", tone: "warning", title: `${D.fmtNaira(partial.reduce((s, a) => s + a.replacement - a.sumInsured, 0))} underinsurance gap`, detail: `${partial.length} asset${partial.length > 1 ? "s are" : " is"} insured below replacement cost - claims would be scaled down proportionally.`, action: "Close the gap", chat: "Close my coverage gap" }); if (lapsing.length) recs.push({ icon: "clock", tone: "warning", title: `${lapsing.length} polic${lapsing.length > 1 ? "ies" : "y"} lapsing soon`, detail: `${lapsing.map((a) => a.name).join(", ")} - renew before expiry to keep your claim-free streak and cashback.`, action: "Renew", chat: "Renew my lapsing policies" }); if (unbundled.length >= 2) recs.push({ icon: "layers", tone: "accent", title: `Bundle ${unbundled.length} standalone policies`, detail: `Combining them into one policy could save ~18% in premium and simplify renewals.`, action: "Bundle & save", chat: "Bundle my assets" }); recs.push({ icon: "doc", tone: "accent", title: "Keep valuations current", detail: "Two assets have no recent valuation report. Updated values prevent claim disputes.", action: "Ask Cova", chat: "How do I update my asset valuations?" }); return { p, score, level, recs, factors }; } const INSIGHT_ICONS = { alert: 1, trend: 1, clock: 1, layers: 1, doc: 1, shield: 1, vault: 1, quote: 1, sparkle: 1, claim: 1, flag: 1, bell: 1 }; function Insight({ assets, claims, profile, onChat, onNav }) { const D = window.VC_DATA; const { t } = window.useT(); const local = useMemoIn(() => buildInsight(assets, claims), [assets, claims]); // Live read: Cova (Claude) scores the persisted portfolio server-side. // The local heuristic paints instantly; the live result swaps in when ready. const [live, setLive] = React.useState(null); React.useEffect(() => { let on = true; fetch("/api/insight").then((r) => (r.ok ? r.json() : null)).then((d) => { if (on && d && typeof d.score === "number") setLive(d); }).catch(() => {}); return () => { on = false; }; }, [assets.length]); const p = local.p; const score = live ? live.score : local.score; const level = live ? live.level : local.level; const recs = live && Array.isArray(live.recs) && live.recs.length ? live.recs.map((r) => ({ ...r, icon: INSIGHT_ICONS[r.icon] ? r.icon : "sparkle" })) : local.recs; const narrative = live && live.narrative; const color = level === "High" ? "var(--danger)" : level === "Elevated" ? "var(--warning)" : "var(--success)"; const animScore = window.useCountUp(score, 1300, [score]); const byCat = useMemoIn(() => { const m = {}; assets.forEach((a) => { if (!m[a.category]) m[a.category] = { value: 0, exposed: 0 }; m[a.category].value += a.replacement; m[a.category].exposed += Math.max(0, a.replacement - a.sumInsured); }); return Object.entries(m).sort((a, b) => b[1].exposed - a[1].exposed); }, [assets]); // Activity feed: real events from the server when available, else a light default. const feed = (live && Array.isArray(live.feed) && live.feed.length ? live.feed.map((f) => ({ ...f, icon: INSIGHT_ICONS[f.icon] ? f.icon : "sparkle" })) : [ { icon: "sparkle", text: "Auto-assessed your latest asset addition - risk profile updated.", time: "Just now" }, { icon: "shield", text: `Verified ${assets.filter((a) => a.insurer).length} active policies against insurer records.`, time: "Today" }, ]); return (

Cova Insight

{t("in.subtitle")}

onChat("Explain my risk score")}>{t("in.askScore")}
{/* score hero */}
{/* overflow:visible so the arc's soft glow renders fully instead of being clipped at the SVG box (which read as a "bleed"). r reduced a touch to keep the ring comfortably inside its 168px frame. */}
{Math.round(animScore)}
{t("in.riskScore")}
{level === "Healthy" ? "Healthy portfolio" : level + " risk portfolio"}

{narrative || (level === "Healthy" ? "Your cover broadly matches your exposure. Keep renewals on time to stay here." : level === "Elevated" ? "A few gaps are inflating your risk. The actions on the right would bring your score down fast." : "Significant exposure detected. Cova recommends acting on the items listed - most can be fixed in minutes.")}

{live && ( Cova live assessment )}
{t("in.protected")}
{Math.round(p.covered * 100)}%
{t("in.exposedValue")}
{D.fmtNaira(p.gap)}
{t("in.assets")}
{assets.length}
{/* exposure by category */}
{t("in.exposureByCategory")}
{byCat.slice(0, 4).map(([cat, v]) => (
{D.CATEGORIES[cat]?.label || cat} {v.exposed ? D.fmtNaira(v.exposed) + " exposed" : "covered"}
))}
{/* recommendations */}
{t("in.recommended")}
{recs.map((r, i) => { const tone = r.tone === "danger" ? ["var(--danger)", "var(--danger-soft)"] : r.tone === "warning" ? ["var(--warning)", "var(--warning-soft)"] : ["var(--accent)", "var(--accent-soft)"]; return (
{/* Text spans the full width, with the action button beneath it — so nothing is squeezed into a narrow column. Every card gets the same primary CTA (they're all equally actionable). */}
{r.title}
{r.detail}
onChat(r.chat)}>{r.action}
); })}
{/* Cova activity feed */}

{t("in.busy")}

{feed.map((f, i) => (
{f.text}
{f.time}
))}
Cova auto-assesses most risks instantly. High-value or unusual cases go to our human underwriters - you'll see their verdict here.
); } Object.assign(window, { Insight, buildInsight });