Zimnat Insurance Recommendation Challenge
Can you predict which insurance products existing clients will want next?
$5 000 USD
Ended almost 2 years ago
614 active ยท 1677 enrolled
Customer service
Financial Services

Please note: To enter this competition, you must complete this survey https://www.surveymonkey.com/r/zindi

For insurance markets to work well, insurance companies need to be able to pool and spread risk across a broad customer base. This works best where the population to be insured is diverse and large. In Africa, formal insurance against risk has been hampered by lack of private sector companies offering insurance, with no way to diversify and pool risk across populations.

Understanding the varied insurance needs of a population, and matching them to appropriate products offered by insurance companies, makes insurance more effective and makes insurance companies more successful.

At the heart of this, understanding the consumer of insurance products helps insurance companies refine, diversify, and market their product offerings. Increased data collection and improved data science tools offer the chance to greatly improve this understanding.

In this competition, you will leverage data and ML methods to improve market outcomes for insurance provider Zimnat, by matching consumer needs with product offerings in the Zimbabwean insurance market. Zimnat wants an ML model to use customer data to predict which kinds of insurance products to recommend to customers. The company has provided data on nearly 40,000 customers who have purchased two or more insurance products from Zimnat.

Your challenge: for around 10,000 customers in the test set, you are given all but one of the products they own, and are asked to make predictions around which products are most likely to be the missing product. This same model can then be applied to any customer to identify insurance products that might be useful to them given their current profile.

To enter this competition, we require that you complete this 7-minute survey about your experience as a data scientist. All survey data will be anonymised, and will be used for research purposes only by the Research Unit for the Diffusion of Quality AI.

About Zimnat (zimnat.co.zw)

Zimnat has been a leading player in the Zimbabwean life assurance and short-term insurance industries since 1946. For over 70 years, Zimnat has been protecting the assets of Zimbabweans, managing their wealth and ensuring that their assets and funds are passed onto future generations, should that be their wish.

About the Research Unit for the Diffusion of Quality AI (quality-ai.org)

The Research Unit for the Diffusion of Quality AI is a multi-disciplinary and international team who examine the factors that determine the diffusion, adoption and quality of AI, and the implications thereof for society. The research project is funded by the Volkswagen Stiftung within its program on Artificial Intelligence and the Future of Society.


By entering this competition, you authorise the Research Unit for the Diffusion of Quality AI to have access to information about your submissions and other activities on the Zindi platform, as per your existing preferences for data sharing on the Zindi platform. You are also required to complete this 7-minute survey about your experience as a data scientist. All data will be used for research purposes only by the Research Unit for the Diffusion of Quality AI, and we will not share your contact information or any other sensitive information with any other party.

Teams and collaboration

You may participate in this competition as an individual or in a team of up to four people. When creating a team, the team must have a total submission count less than or equal to the maximum allowable submissions as of the formation date. A team will be allowed the maximum number of submissions for the competition, minus the highest number of submissions among team members at team formation. Prizes are transferred only to the individual players or to the team leader.

Multiple accounts per user are not permitted, and neither is collaboration or membership across multiple teams. Individuals and their submissions originating from multiple accounts will be disqualified.

Code must not be shared privately outside of a team. Any code that is shared, must be made available to all competition participants through the platform. (i.e. on the discussion boards).

Datasets and packages

The solution must use publicly-available, open-source packages only. Your models should not use any of the metadata provided.

You may use only the datasets provided for this competition. Automated machine learning tools such as automl are not permitted.

Leave your predictions as probabilities with values between 0 and 1 and do not round them to 0s or 1s.

If the challenge is a computer vision challenge, image metadata (Image size, aspect ratio, pixel count, etc) may not be used in your submission.

If external data is allowed you may only use data that is freely available to everyone. You must send it to Zindi to confirm that it is allowed to be used and then it will appear on the data page under additional data.

You may use pretrained models as long as they are openly available to everyone.

The data used in this competition is the sole property of Zindi and the competition host. You may not transmit, duplicate, publish, redistribute or otherwise provide or make available any competition data to any party not participating in the Competition (this includes uploading the data to any public site such as Kaggle or GitHub). You may upload, store and work with the data on any cloud platform such as Google Colab, AWS or similar, as long as 1) the data remains private and 2) doing so does not contravene Zindi’s rules of use.

You must notify Zindi immediately upon learning of any unauthorised transmission of or unauthorised access to the competition data, and work with Zindi to rectify any unauthorised transmission or access.

Your solution must not infringe the rights of any third party and you must be legally entitled to assign ownership of all rights of copyright in and to the winning solution code to Zindi.

Submissions and winning

You may make a maximum of 10 submissions per day. Your highest-scoring solution on the private leaderboard at the end of the competition will be the one by which you are judged.

As this competition is now closed the number of submissions has been increased to 30 submissions per day.

Zindi maintains a public leaderboard and a private leaderboard for each competition. The Public Leaderboard includes approximately 50% of the test dataset. While the competition is open, the Public Leaderboard will rank the submitted solutions by the accuracy score they achieve. Upon close of the competition, the Private Leaderboard, which covers the other 50% of the test dataset, will be made public and will constitute the final ranking for the competition.

If you are in the top 20 at the time the leaderboard closes, we will email you to request your code. On receipt of email, you will have 48 hours to respond and submit your code following the submission guidelines detailed below. Failure to respond will result in disqualification.

If your solution places 1st, 2nd, or 3rd on the final leaderboard, you will be required to submit your winning solution code to us for verification, and you thereby agree to assign all worldwide rights of copyright in and to such winning solution to Zindi.

If two solutions earn identical scores on the leaderboard, the tiebreaker will be the date and time in which the submission was made (the earlier solution will win).

The winners will be paid via bank transfer, PayPal, or other international money transfer platform. International transfer fees will be deducted from the total prize amount, unless the prize money is under $500, in which case the international transfer fees will be covered by Zindi. In all cases, the winners are responsible for any other fees applied by their own bank or other institution for receiving the prize money. All taxes imposed on prizes are the sole responsibility of the winners.

You acknowledge and agree that Zindi may, without any obligation to do so, remove or disqualify an individual, team, or account if Zindi believes that such individual, team, or account is in violation of these rules. Entry into this competition constitutes your acceptance of these official competition rules.

Zindi is committed to providing solutions of value to our clients and partners. To this end, we reserve the right to disqualify your submission on the grounds of usability or value. This includes but is not limited to the use of data leaks or any other practices that we deem to compromise the inherent value of your solution.

Zindi also reserves the right to disqualify you and/or your submissions from any competition if we believe that you violated the rules or violated the spirit of the competition or the platform in any other way. The disqualifications are irrespective of your position on the leaderboard and completely at the discretion of Zindi.

Please refer to the FAQs and Terms of Use for additional rules that may apply to this competition. We reserve the right to update these rules at any time.


  • If your submitted code does not reproduce your score on the leaderboard, we reserve the right to adjust your rank to the score generated by the code you submitted.
  • If your code does not run you will be dropped from the top 10. Please make sure your code runs before submitting your solution.
  • Always set the seed. Rerunning your model should always place you at the same position on the leaderboard. When running your solution, if randomness shifts you down the leaderboard we reserve the right to adjust your rank to the closest score that your submission reproduces.
  • We expect full documentation. This includes:
  • All data used
  • Output data and where they are stored
  • Explanation of features used
  • Your solution must include the original data provided by Zindi and validated external data (no processed data)
  • All editing of data must be done in a notebook (i.e. not manually in Excel)

Data standards:

  • Your submitted code must run on the original train, test, and other datasets provided.
  • If external data is allowed it must not exceed 1 GB. External data must be freely and publicly available, including pre-trained models with standard libraries. If external data is allowed, any data used should be shared on the discussion forum.
  • Packages:
  • You must use the most recent versions of packages. Custom packages in your submission notebook will not be accepted.
  • You may only use tools available to everyone i.e. no paid services or free trials that require a credit card.

Consequences of breaking any rules of the competition or submission guidelines:

  • First offence: No prizes or points for 6 months. If you are caught cheating all individuals involved in cheating will be disqualified from the challenge(s) you were caught in and you will be disqualified from winning any competitions or Zindi points for the next six months.
  • Second offence: Banned from the platform. If you are caught for a second time your Zindi account will be disabled and you will be disqualified from winning any competitions or Zindi points using any other account.

Monitoring of submissions

  • We will review the top 20 solutions of every competition when the competition ends.
  • We reserve the right to request code from any user at any time during a challenge. You will have 24 hours to submit your code following the rules for code review (see above).
  • If you do not submit your code within 24 hours you will be disqualified from winning any competitions or Zindi points for the next six months. If you fall under suspicion again and your code is requested and you fail to submit your code within 24 hours, your Zindi account will be disabled and you will be disqualified from winning any competitions or Zindi points.

The error metric for this competition is the log loss.

For every customer ID in the test set, for each product code, you must submit a prediction between 0 and 1 for likelihood that that customer has that product. You may NOT round your predictions to 0s and 1s.

Your submission file should look like this:

ID X PCODE       Label
F86J5PC X P5DA    0

1st Place: $2 500 USD

2nd Place: $1 500 USD

3rd Place: $1 000 USD


Competition closes on 13 September 2020.

Final submissions must be received by 11:59 PM GMT.

We reserve the right to update the contest timeline if necessary.