According to one embodiment, a method, computer system, and computer program product for cognitive digital risk analysis is provided. The present invention may include receiving telematics data; receiving road network and weather data; generating one or more customer behavior profiles based on the telematics data and the road network and weather data; receiving historical claims data; training, using the historical claims data and features of the customer behavior profile, a risk scoring engine; and producing, by the risk scoring engine, an assessment of the risk of loss posed by one or more drivers.
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