Before you are worried, more volatility means a lot more value for money in "reinsurance". So a few big deductions are a better deal for you than a lot of small ones! See below for the reasons why.
There are 3 scenarios that can lead to big wallet deductions:
1 - The community is still in early stage/ very small.
If the community is still small a single claim will have a larger impact on all wallets.
For example, if there is a R10 000 claim. And there are 10 community members. All things being equal all members contribute an average of R1 000. On the plus side the you can expect only 1 person to claim in the year
If there are 10 000 community members. And a R10 000 claim. All members will contribute an average of R1. On the down side, we would expect 1 000 people to claim in this year
So both scenarios your wallet is expected to be allocated R1000 in the year (either 1 x R1000 or 1000 x R1)
So the larger the community the more frequent but smaller alllocations.
ON THE PLUS SIDE (for you) the bigger the amount in a single allocation, the more wallets will be depleted and the the more the re-insurer will have to pay. Since you still pay 15% for reinsurance the community gets a much better deal on reinsurance.
2 - Someone in your connections had a claim.
If someone that is part of your connections has a claim you are allocated a larger share of their claim and the rest of the community is allocated a smaller share.
This balances out with the protection you gain from being protected against claims from outside your connections perfectly! You can thank Nelson for this!
ON THE PLUS SIDE ONCE AGAIN (for you) the bigger the allocation, the more wallets will be depleted and the the more the re-insurer will have to pay. Since you still pay 15% for reinsurance the community gets a much better deal on reinsurance. AND the odds of a bigger payout are a lot larger.
3 - There was a catastrophe event
If there is a hailstorm or catastrophe event there will be a lot of claims allocated to wallets and you will see a lot of deductions.
Think Gauteng hailstorms or Knysna fires.
So don't be too concerned if you have a big deduction. It means you are:
a) getting a better deal on reinsurance
b) Helped a connection in a time of need
c) Helped the community to make it through a natural disaster- Look at you go UNICEF.
Celebrate deductions as there is always someone on the other end being helped out of a bad situation and you can give yourself a pat on the back for this.