Insurance EuropeInsurance Europe
InsuranceData

InsuranceData is an interactive tool detailing the latest data from the European insurance industry. Data is provided by Insurance Europe members (the members of the European Union (except Lithuania), Switzerland, Iceland, Norway, Liechtenstein and Turkey). To use the tool, open one of the dropdown menus and hover over the chart to see the data points, or click the premiums and claims charts for more detailed data. Last updated on 4 September 2015.

Premiums

The premiums charts show the life and non-life premiums received. Hover over the charts for each data point, or click a chart area to see the next level of data. Charts available include life premiums by country and non-life premium breakdowns by health, motor, property, general liability and accident.

Total premiums
TotalLife premiumsNon-life premiums
2003523343
2004560353
2005614364
2006670395
2007732402
2008649415
2009678417
2010691429
2011654439
2012641446
2013677453
2014713455
Colour#82c55b#002957
URL/node/4161/node/441
Stacked Column

Hover over the bars for each data point, or click on a bar to see life or non-life premiums data. Data correct as of 12 January 2016.

Notes:
Nominal growth at constant exchange rates
For DE, figures include “Pensionskassen” and pension funds covered by GDV statistics
For LI, foreign business is included
For NL, foreign business and indirect business are included
For SI, only SZZ member companies. Branches are excluded
For the UK, 2014 figures are estimates

Claims

The benefits and claims charts show the life benefits and non-life claims paid. Hover over the chart for each data point, or click a chart area to see the next level of data. Charts available include life benefits by country and non-life claims breakdowns by health, motor and property.

Total benefits and claims paid
TotalLife benefitsNon-life claims
2003383220
2004395219
2005431228
2006516253
2007582267
2008620281
2009565301
2010580316
2011643303
2012656312
2013638324
2014630313
Colour#82c55b#002957
URL/node/4291/node/4371
Stacked Column

Hover over the bars for each data point, or click on a bar to see life benefits or non-life claims paid data.

Notes:
Nominal growth at constant exchange rates
For DE, the figures include gross claims expenditure (ie claims paid + provision for claims) for all property and casualty branches
For SI, only SZZ member companies. Branches are excluded

Investments

The investment charts show the European insurance sector investment activities. Hover over the chart for detail on each data point.

Premiums provide a stable source of funding even during downturns
TotalGross written premiumsDJ Euro Stoxx 50 (historical values EUR price)
20038662761
20049112951
20059883579
200610694120
200711424400
200810702448
200911022965
201011262793
201110992317
201211082636
201311303109
201411693146
Colour#002957#82c55b
Mixed Bar & Line

Hover over the bars and line chart for each data point.

Ratio of European insurers' investment portfolio to GDP
TotalInvestments to GDP
200348.2
200447.8
200550.9
200651.3
200751.0
200847.2
200954.5
201054.5
201152.9
201255.9
201360.1
201463.0
Colour#82c55b
Column

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Notes:
For the UK, 2014 figures are estimates
For LU, figures are from 2013
For RO and SK, no data is available

Structure of European insurers' investment portfolio 2013
TypeInvestmentsColour
Property (other than for own use) 178916#f78f1e
Participations 406822#002957
Equities342114#82c55b
Bonds 2741360#662d91
Investment funds 679272#971b1e
Derivatives11368#ffc846
Deposits other than cash equivalents 72909#e2a9b4
Other investments 85082#a28800
Loans and mortgages (except loans on policies)711811#23a2b2
Donut

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Notes:
Size of the sample (as % of total premiums): 63%

European insurers investment portfolio
TotalLife insurers' investment portfolioNon-life insurers' investment portfolio
200342421029
200445671098
200551631174
200654951269
200758091329
200853511317
200959211323
201063071347
201163081378
201268321491
201374341567
201481641678
Colour#82c55b#002957
URL/node/4421/node/4401
Stacked Column

Hover over the bars for each data point, or click on a bar to see life or non-life premiums by country data.

Notes:
Nominal growth at constant exchange rates
For ES, the total insurers’ investment portfolio is greater than the sum of the life & non-life insurers’ portfolios because unaffected investment is included in the total
For LI, figures include cross-border business
For LU, figures are from the Commissariat aux Luxembourg and include cross-border business
Size of the sample (as % of total premiums): 99.7%

Industry information

These charts show insurance industry information. Hover over the chart for detail on each data point.

Market share
Market shares (GWP), 2014ColourURL
UK241432#002957/node/4111
FR197100#82c55b/node/4111
DE192369#662d91/node/4111
IT143315#23a2b2/node/4111
NL73766#971b1e/node/4111
ES54440#f78f1e/node/4111
CH48940#e2a9ba/node/4111
SE31327#a28800/node/4111
BE27076#ffc846/node/4111
DK26530#bd1a8d/node/4111
FI23069#30433c/node/4111
Other109636#215352/node/4111
Donut

Hover over the sections for each data point. Click on a section to see the country statistics.

Worldwide insurance premiums
YearEuropeAsiaNorth AmericaOther
200412415107357931183105135017
200513489007606501189692153812
200614824137703361263663177456
200717509178174261340107208594
200816829529294621345628235397
2009159140810075001251773226366
2010159187111652851278613265935
2011162740112757371345592309359
2012154044813335651398468328847
2013162013312519921382749338758
2014169752913175661405816357338
Colour#002957#82c55b#662d91#23a2b2
Stacked Area

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Non-life distribution channels
CountryDirect writingTotal IntermediariesAgentsBrokersOther IntermediariesBancassuranceOther
HR71.217.16.10.03.42.2
FI43.941.77.60.06.80.0
MT40.036.623.40.00.00.0
FR34.034.018.00.013.01.0
SI30.261.15.90.00.52.2
BE19.711.460.70.67.70.0
NL19.00.00.00.00.081.0
PT10.861.217.10.710.20.0
IT7.980.57.9-0.43.60.0
TR6.267.911.90.014.00.0
DE4.858.525.40.06.94.4
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

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Notes:
Size of the sample (as % of total premiums): 53%
For NL, there is no distinction between the indirect distribution channels
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

Life distribution channels
CountryDirect writingTotal IntermediariesAgentsBrokersOther IntermediariesBancassuranceOther
HR41.00.029.82.10.023.43.8
NL30.00.00.00.00.00.070.0
BE23.30.06.336.50.733.20.0
SE18.00.02.028.00.012.040.0
FR15.00.07.011.00.064.03.0
GR10.061.00.00.00.029.00.0
IT8.90.014.40.9-0.375.80.0
PT8.60.011.31.10.378.70.0
TR8.10.010.10.60.081.20.0
SI4.80.084.30.00.010.80.0
DE4.00.048.325.20.019.82.7
MT1.80.059.52.40.036.30.0
Colour#002957#82c55b#662d91#23a2b2#971b1e#f78f1e#ffc846
Stacked Column Percentage

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Notes:
For NL and SK, agents included with brokers 

Size of the sample (as % of total premiums): 68%
For DE and SE, figures refer to new business
For GR the is no distinction between intermediaries
For NL, there is no distinction between the indirect distribution channels
For SI, data is from SZZ members only. Branches of companies from EU/EEA countries and FOS are excluded

Insurance companies by country
CountryNumber of insurance companies, 2013Number of insurance companies, 2014
UK12291282
DE560548
FR395381
SE329327
ES255255
IE227227
IT225219
NL189170
Average153152
BE140140
CH147139
DK138129
NO119119
LU9595
PT7778
FI7471
TR6869
AT6968
MT6767
GR6665
PL5857
CZ5153
BG4546
LI4242
RO3837
CY3433
HU3032
HR2625
SK2121
LV2020
EE1818
SI1818
IS1312
Colour#82c55b#002957
Column

Hover over the bars for each data point.

Notes:
For DE, data cover companies under German federal supervision including Pensionskassen and funeral expenses funds
For DK, data covers life insurance and multi-employer pension funds as well as non-life insurance including foreign branches that are members of the Danish Insurance Association
For the UK, there was a change in the definition of an insurance company in 2004. The substantial increase reported in 2010 stems mainly from insurance companies writing under freedom of services
For SI, data includes all SZZ member insurance companies, pension companies and other companies with their head office in Slovenia, and branches of foreign insurace companies

Insurance companies in Europe
TotalNumber of insurance companiesAnnual change, %
20035001
200453296.6
20055251-1.5
20065147-2.0
20075129-0.3
20085010-2.3
20094922-1.8
201052266.2
20115022-3.9
20124954-1.4
20134883-1.4
20144863-0.4
Colour#82c55b#ffffff
Candlestick

Hover over the bars for each data point.

Notes:

As of 2013, number of domestic active companies operating on the domestic market (ie licensed companies that actually collected premium in the year of review) is collected. The definition of domestic market covers all domestic companies operating in the country of review, including subsidiaries of EU/EEA and non-EU/EEA country companies, and branches from companies of third (non-EU/EEA) countries. It excludes branches of companies from EU/EEA countries and FOS.

For DE, data cover companies under German federal supervision including Pensionskassen and funeral expenses funds.
For DK, data covers life insurance and multi-employer pension funds as well as non-life insurance including foreign branches that are members of the Danish Insurance Association.
For the UK, there was a change in the definition of an insurance company in 2004. The substantial increase reported in 2010 stems mainly from insurance companies writing under freedom of services.
For SI, data includes all SZZ member insurance companies, pension companies and other companies with their head office in Slovenia, and branches of foreign insurace companies.

Country data

Click on a member country to see information and data relating to it.

Country data
CountryURLColour
Austria /members/austria?section=Related statistics#99A9BC
Belgium /members/belgium?section=Related statistics#99A9BC
Bulgaria /members/bulgaria-bg?section=Related statistics#99A9BC
Croatia /members/croatia-hr?section=Related statistics#99A9BC
CY/members/cyprus-cy?section=Related statistics#99A9BC
Czech Republic /members/czech-republic-cz?section=Related statistics#99A9BC
Denmark /members/denmark-dk?section=Related statistics#99A9BC
Estonia /members/estonia-ee?section=Related statistics#99A9BC
Finland /members/finland-fi?section=Related statistics#99A9BC
France /members/france-fr?section=Related statistics#99A9BC
Germany /members/germany-de?section=Related statistics#99A9BC
Greece /members/greece-gr?section=Related statistics#99A9BC
Hungary /members/hungary-hu?section=Related statistics#99A9BC
Iceland /members/iceland?section=Related statistics#99A9BC
Ireland /members/ireland-ie?section=Related statistics#99A9BC
Italy /members/italy-it?section=Related statistics#99A9BC
Latvia /members/latvia-lv?section=Related statistics#99A9BC
Liechtenstein /members/liechtenstein-li?section=Related statistics#99A9BC
Luxembourg /members/luxembourg-lu?section=Related statistics#99A9BC
Malta /members/malta-mt?section=Related statistics#99A9BC
Netherlands /members/netherlands-nl?section=Related statistics#99A9BC
Norway /members/norway-no?section=Related statistics#99A9BC
Poland /members/poland-pl?section=Related statistics#99A9BC
Portugal /members/portugal-pt?section=Related statistics#99A9BC
Romania /members/romania-ro?section=Related statistics#99A9BC
Russia /members/russia-ru-partner?section=Related statistics#f9f4d6
San Marino /members/san-marino-sm-associate-member?section=Related statistics#e3f0da
Serbia /members/serbia-rs-associate-member?section=Related statistics#e3f0da
Slovakia /members/slovakia-sk?section=Related statistics#99A9BC
Slovenia /members/slovenia-si?section=Related statistics#99A9BC
Spain/members/spain-es?section=Related statistics#99A9BC
Sweden /members/sweden-se?section=Related statistics#99A9BC
Switzerland /members/switzerland-ch?section=Related statistics#99A9BC
TR /members/turkey-tr?section=Related statistics#99A9BC
United Kingdom/members/united-kingdom-uk-0?section=Related statistics#99A9BC
United Kingdom/members/united-kingdom-uk-1?section=Related statistics#99A9BC
United Kingdom/members/united-kingdom-uk?section=Related statistics#99A9BC
Map
European insurance industry database

Insurance Europe has published a database with figures on the European insurance industry for the period 2004 to 2014. The database includes information on insurers’ investment portfolio, benefits and claims paid, distribution channels and the market structure for the life, non-life and health insurance sectors in Europe. The information can be downloaded by clicking on the buttons below.

Last updated on 13 May 2016

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