InsuranceData | Insurance Europe

Premiums

The premiums charts show the life, non-life and health 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, health premiums by country and non-life premium breakdowns by motor, property, general liability and accident.

Total premiums

Total	Life premiums	Non-life premiums	Health premiums
2004	567	291	61
2005	632	299	64
2006	684	303	91
2007	754	308	94
2008	664	313	102
2009	690	312	105
2010	705	320	110
2011	665	324	114
2012	654	329	115
2013	679	331	119
2014	722	331	120
2015	733	340	125
Colour	#82c55b	#002957	orange
URL	/node/4161	/node/441	/node/4271

Stacked Column

Hover over the bars for each data point, or click on a bar to see life, non-life or health premiums data. Data correct as of 30 August 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 the health 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, health claims by country and non-life claims breakdowns by motor, property and accident.

Total benefits and claims paid

Total	Life benefits	Non-life claims	Health claims
2007	754	176	73
2008	664	182	77
2009	690	193	82
2010	705	203	85
2011	665	190	89
2012	654	192	86
2013	679	182	94
2014	722	196	95
2015	733	204	99
Colour	#82c55b	#002957	orange
url	/node/4291	/node/4371	/node/4351

Stacked Column

Hover over the bars for each data point, or click on a bar to see life benefits or non-life or health claims paid data. Data correct as of 30 August 2016.

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

Total	Gross Written Premiums	DJ Euro Stoxx 50 (historical values EUR price)
2004	922	2951
2005	999	3579
2006	1081	4120
2007	1160	4400
2008	1083	2448
2009	1111	2965
2010	1139	2793
2011	1109	2317
2012	1103	2636
2013	1138	3109
2014	1184	3146
2015	1207	3268
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

Total	Investments to GDP, %
2004	49.7
2005	53.4
2006	54.0
2007	53.7
2008	48.8
2009	55.0
2010	56.1
2011	54.5
2012	58.4
2013	59.1
2014	62.3
2015	62.2
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 2014

Type	Investments	Colour
Property (other than for own use)	252938	#f78f1e
Participations	411224	#002957
Equities	425626	#82c55b
Bonds	3106942	#662d91
Investment funds	2108920	#971b1e
Derivatives	2279	#ffc846
Deposits other than cash equivalents	166401	#e2a9b4
Other investments	146429	#a28800
Loans and mortgages (except loans on policies)	767156	#23a2b2

Donut

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

European insurers investment portfolio

Total	Life insurers' investment portfolio	Non-life insurers' investment portfolio
2004	4682	1107
2005	5306	1192
2006	5657	1287
2007	5949	1348
2008	5501	1337
2009	6101	1350
2010	6502	1365
2011	6515	1404
2012	7063	1520
2013	7300	1554
2014	7905	1665
2015	8165	1694
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), 2014	Colour	URL
UK	241432	#002957	/node/4111
FR	197100	#82c55b	/node/4111
DE	192369	#662d91	/node/4111
IT	143315	#23a2b2	/node/4111
NL	73766	#971b1e	/node/4111
ES	54440	#f78f1e	/node/4111
CH	48940	#e2a9ba	/node/4111
SE	31327	#a28800	/node/4111
BE	27076	#ffc846	/node/4111
DK	26530	#bd1a8d	/node/4111
FI	23069	#30433c	/node/4111
Other	109636	#215352	/node/4111

Donut

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

Worldwide insurance premiums

Year	Europe	Asia	North America	Other
2004	1241443	735766	1183105	134868
2005	1348900	760651	1189693	153811
2006	1482413	770336	1263663	177456
2007	1750917	817426	1340107	208594
2008	1682952	929462	1345628	235397
2009	1591408	1007500	1251773	226366
2010	1591871	1165285	1278613	265935
2011	1627401	1275737	1345592	309359
2012	1540448	1333565	1398468	328847
2013	1620133	1251992	1382749	338758
2014	1697529	1317566	1405816	357338
2015	1468878	1350974	1431239	302694
Colour	#002957	#82c55b	#662d91	#23a2b2

Stacked Area

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Non-life distribution channels

Country	Direct writing	Intermediaries	Agents	Brokers	Other intermediaries	Bancassurance	Other
SK	0.2		0.8	0	0	0	0
IT	0.1		0.8	0.1	0	0	0
TR	0.1		0.7	0.1	0	0.1	0
SI	0.3		0.6	0.1	0	0	0
DE	0.1		0.6	0.3	0	0.1	0
PT	0.1		0.6	0.2	0	0.2	0
FI	0.5		0.4	0	0	0.1	0
MT	0.4		0.4	0.3	0	0	0
FR	0.3		0.3	0.2	0	0.1	0
ES	0.2		0.3	0.2	0	0.1	0.1
BG	0.2		0.3	0.5	0	0	0
HR	0.7		0.2	0	0	0	0.1
BE	0.2		0.1	0.6	0	0.1	0
UK	0.3		0	0.5	0	0.1	0.1
NL	0.2		0	0	0	0	0.8
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

Country	Direct writing	Total intermediaries	Agents	Brokers	Other intermediaries	Bancassurance	Other
MT	0		0.1	0	0	0.8	0
PT	0		0.2	0	0	0.8	0
IT	0.1		0.1	0	0	0.8	0
TR	0.1		0.1	0	0	0.8	0
FR	0.2		0.1	0.1	0	0.6	0
ES	0.1		0.2	0.1	0	0.6	0
BE	0.2		0.1	0.4	0	0.4	0
GR	0.1	0.6	0	0	0	0.4	0
HR	0.4		0.3	0	0	0.3	0
DE	0		0.5	0.3	0	0.2	0
SE	0.2		0	0.3	0	0.1	0.4
SI	0		0.8	0	0	0.1	0
BG	0.2		0.6	0.2	0	0	0
IE	0.5		0.1	0	0	0	0
NL	0.4		0	0	0	0	0.6
SK	0.4		0.6	0	0	0	0
UK	0.2		0.2	0.6	0	0	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

Country	Number of insurance companies, 2014	Number of insurance companies, 2015
DE	548	539
UK	526	496
FR	381	365
SE	322	300
ES	255	240
IE	191	191
NL	170	162
CH	155	144
NO	119	119
IT	124	117
Average	118	113
DK	110	104
LU	97	97
BE	80	78
FI	71	69
AT	68	67
TR	69	65
PL	57	57
BG	46	46
PT	43	45
GR	47	45
LI	42	41
RO	37	35
CY	33	33
HU	32	32
CZ	33	32
HR	25	23
SK	21	21
SI	16	17
EE	18	17
MT	11	11
IS	11	11
LV	7	8
Colour	#82c55b	#002957

Column

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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

	Number of insurance companies in Europe	Annual change, %
2004	4204	0.0
2005	4141	-1.5
2006	4033	-2.6
2007	3980	-1.3
2008	3973	-0.2
2009	3908	-1.6
2010	3824	-2.2
2011	3730	-2.4
2012	3618	-3.0
2013	3662	1.2
2014	3561	-2.8
2015	3428	-3.7
Colour	#82c55b	#ffffff

Candlestick

4511

Insurance companies in Europe

Small

Candlestick

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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.

Candlestick

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1

Annual change, %

Number of insurance companies

5500

2500

392

300

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

Country	URL	Colour
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 2015. 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 30 August 2016