Non-Life Insurance in France, Key Trends and Opportunities to 2019

Non-Life Insurance in France, Key Trends and Opportunities to 2019

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Segment Outlook
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Claims
4.2.3 Profitability
4.2.4 Assets and investments

5 Outlook by Category
5.1 Property Insurance
5.1.1 Product overview
5.1.2 Premium
5.1.3 Claims
5.1.4 Profitability
5.2 Motor Insurance
5.2.1 Product overview
5.2.2 Premium
5.2.3 Claims
5.2.4 Profitability
5.3 Liability Insurance
5.3.1 Product overview
5.3.2 Premium
5.3.3 Claims
5.3.4 Profitability
5.4 Marine, Aviation and Transit Insurance
5.4.1 Product overview
5.4.2 Premium
5.4.3 Claims
5.4.4 Profitability

6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
6.1.1 Agencies
6.1.2 Brokers
6.1.3 Direct marketing
6.1.4 Bancassurance
6.1.5 E-commerce

7 Natural Hazards
7.1 Flooding
7.2 Droughts
7.3 Earthquakes
7.4 Cyclones and Storms
7.5 Others
7.6 Exposure

8 Competitive Landscape
8.1 Comparison of the Top Five Insurers
8.1.1 Gross written premium
8.2 Leading Companies in the French Non-Life Insurance Segment
8.3 Company Profiles
8.3.1 Covéa Mutual Insurance Group - company overview
8.3.2 Groupama SA - company overview
8.3.3 Sferen (Macif, Maif and Matmut) - company overview
8.3.4 Allianz France SA - company overview
8.3.5 Axa France Assurance SAS - company overview

9 Governance, Risk and Compliance
9.1 Legislation Overview and Historical Evolution
9.2 Latest Changes in Regulations
9.3 Legislation and Market Practice by Type of Insurance
9.3.1 Life insurance
9.3.2 Property insurance
9.3.3 Motor insurance
9.3.4 Liability insurance
9.3.5 Marine, aviation and transit insurance
9.3.6 Personal accident and health insurance
9.4 Compulsory Insurance
9.4.1 Motor third-party liability (MTPL) insurance
9.4.2 Workers' compensation
9.4.3 Air carriers and aircraft operators insurance
9.4.4 Professional indemnity insurance for alternative investment fund managers
9.5 Supervision and Control
9.5.1 International Association of Insurance Supervisors (IAIS)
9.5.2 European Insurance and Occupational Pensions Authority
9.5.3 Autorité de Contrôle Prudentiel
9.5.4 Autorité des Marchés Financiers (AMF)
9.5.5 Federation of European Risk Management Associations (FERMA)
9.6 Non-Admitted Insurance
9.6.1 Overview
9.6.2 Intermediaries
9.6.3 Market practices
9.6.4 Fines and penalties
9.7 Company Registration and Operations
9.7.1 Types of insurance organization
9.7.2 Establishing a local company
9.7.3 Foreign ownership
9.7.4 Types of license
9.7.5 Capital requirements
9.7.6 Solvency margins
9.7.7 Reserve requirements
9.7.8 Investment regulations
9.7.9 Statutory return requirements
9.7.10 Fee structure
9.8 Taxation
9.8.1 Insurance premium or policy taxation
9.8.2 Withholding taxes on premium paid overseas
9.8.3 Corporate tax
9.8.4 VAT
9.8.5 Captives
9.9 Legal System
9.9.1 Introduction
9.9.2 Access to court
9.9.3 Alternative dispute resolution (ADR)

10 Databook
10.1 Policies and Premium
10.2 Claims and Expenses
10.3 Assets and Investments
10.4 Direct Marketing and E-Commerce
10.5 Insurance Brokers and Agencies
10.6 Bancassurance and Other Distribution Channels
10.7 Property Insurance
10.8 Property Insurance by Product
10.9 Motor Insurance
10.1 Motor Insurance by Product
10.11 Liability Insurance
10.12 Marine, Aviation and Transit Insurance

11 Definitions and Methodology
11.1 Definitions
11.2 Methodology

12 About Timetric
12.1 Contact Timetric
12.2 About Timetric
12.3 Timetric's Services
12.4 Disclaimer

List of Tables

Table 1: French Non-Life Insurance - Key Facts, 2014
Table 2: French Non-Life Insurance - Segment Shares of the Top Insurers, 2014
Table 3: French Government Credit Ratings
Table 4: French Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2010-2014
Table 5: French Non-Life Insurance - Penetration (%), 2010-2014
Table 6: French Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2014-2019
Table 7: French Non-Life Insurance - Penetration (%), 2014-2019
Table 8: French Non-Life Insurance - Premium per Capita (EUR and US$), 2010-2014
Table 9: French Non-Life Insurance - Premium per Capita (EUR and US$), 2014-2019
Table 10: French Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 11: French Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 12: French Non-Life Insurance - Profitability Ratio (%), 2010-2014
Table 13: French Non-Life Insurance - Profitability Ratio (%), 2014-2019
Table 14: French Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2010-2014
Table 15: French Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2014-2019
Table 16: French Non-Life Insurance - Total Investment Income (EUR Billion and US$ Billion), 2010-2014
Table 17: French Non-Life Insurance - Total Investment Income (EUR Billion and US$ Billion), 2014-2019
Table 18: French Non-Life Insurance - Investment Portfolio (EUR Billion), 2010-2014
Table 19: French Non-Life Insurance - Investment Portfolio (EUR Billion), 2014-2019
Table 20: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2010-2014
Table 21: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2014-2019
Table 22: French Property and Casualty category - Direct Written Premium (EUR Billion) 2010-2014 and Business Share (%), 2014
Table 23: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2010-2014
Table 24: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2014-2019
Table 25: French Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 26: French Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 27: French Property Insurance - Loss Ratio (%), 2010-2014
Table 28: French Property Insurance - Loss Ratio (%), 2014-2019
Table 29: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2010-2014
Table 30: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2014-2019
Table 31: French Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 32: French Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 33: French Motor Insurance - Loss Ratio (%), 2010-2014
Table 34: French Motor Insurance - Loss Ratio (%), 2014-2019
Table 35: French Liability Insurance - Direct Written Premium (EUR Billion), 2010-2014
Table 36: French Liability Insurance - Direct Written Premium (EUR Billion), 2014-2019
Table 37: French Liability Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 38: French Liability Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 39: French Liability Insurance - Loss Ratio (%), 2010-2014
Table 40: French Liability Insurance - Loss Ratio (%), 2014-2019
Table 41: French Transport Network - Global Rankings
Table 42: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2010-2014
Table 43: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2014-2019
Table 44: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 45: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 46: French Marine, Aviation and Transit Insurance - Loss Ratio (%), 2010-2014
Table 47: French Marine, Aviation and Transit Insurance - Loss Ratio (%), 2014-2019
Table 48: French Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2010-2014
Table 49: French Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2014-2019
Table 50: French Non-Life Insurance - Direct Written Premium by Distribution Channel (%), 2010-2019
Table 51: French Average Annual Loss by Hazard, 1990-2014
Table 52: French Natural Hazards - Total Deaths, Affected and Damages (US$ Million) by Flood Type, 1990-2015
Table 53: Shares of Key Insurers in the French Non-Life Insurance Segment (%), 2014
Table 54: Covéa Mutual Insurance Group - Key Facts
Table 55: Covéa Mutual Insurance Group - Key Financials (EUR Million), 2010-2014
Table 56: Groupama SA - Key Facts
Table 57: Groupama SA - Key Financials (EUR Million), 2010-2014
Table 58: Sferen (Macif, Maif and Matmut) - Key Facts
Table 59: Sferen (Macif, Maif and Matmut) - Key Financials (EUR Million), 2010-2014
Table 60: Allianz France SA -Key Facts
Table 61: Allianz France SA - Key Financials (EUR Million), 2010-2014
Table 62: Axa France Assurance SAS - Key Facts
Table 63: Axa France Assurance SAS - Key Financials (EUR Million), 2010-2014
Table 64: France - Insurance Regulatory Framework Key Features
Table 65: France - Life Insurance Regulatory Framework
Table 66: France - Property Insurance Regulatory Framework
Table 67: France - Motor Insurance Regulatory Framework
Table 68: France - Liability Insurance Regulatory Framework
Table 69: France - Minimum Coverage for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 70: France - Insurance Premium Taxation
Table 71: France - Corporate Tax Rates for the Financial Year 2016
Table 72: French Insurance Industry - Policies and Premium, 2010-2014
Table 73: French Insurance Industry - Policies and Premium, 2014-2019
Table 74: French Non-Life Insurance - Claims and Expenses, 2010-2014
Table 75: French Non-Life Insurance - Claims and Expenses, 2014-2019
Table 76: French Non-Life Insurance - Assets and Investments, 2010-2014
Table 77: French Non-Life Insurance - Assets and Investments, 2014-2019
Table 78: French Non-Life Insurance - Direct Marketing and E-Commerce, 2010-2014
Table 79: French Non-Life Insurance - Direct Marketing and E-Commerce, 2014-2019
Table 80: French Non-Life Insurance - Insurance Brokers and Agencies, 2010-2014
Table 81: French Non-Life Insurance - Insurance Brokers and Agencies, 2014-2019
Table 82: French Non-Life Insurance - Bancassurance and Other Distribution Channels, 2010-2014
Table 83: French Non-Life Insurance - Bancassurance and Other Distribution Channels, 2014-2019
Table 84: French Non-Life Insurance - Property Insurance, 2010-2014
Table 85: French Non-Life Insurance - Property Insurance, 2014-2019
Table 86: French Non-Life Insurance - Property Insurance by Product, 2010-2014
Table 87: French Non-Life Insurance - Property Insurance by Product, 2014-2019
Table 88: French Non-Life Insurance - Motor Insurance, 2010-2014
Table 89: French Non-Life Insurance - Motor Insurance, 2014-2019
Table 90: French Non-Life Insurance - Motor Insurance by Product, 2010-2014
Table 91: French Non-Life Insurance - Motor Insurance by Product, 2014-2019
Table 92: French Non-Life Insurance - Liability Insurance, 2010-2014
Table 93: French Non-Life Insurance - Liability Insurance, 2014-2019
Table 94: French Non-Life Insurance - Marine, Aviation and Transit Insurance, 2010-2014
Table 95: French Non-Life Insurance - Marine, Aviation and Transit Insurance, 2014-2019
Table 96: Insurance Industry Definitions

List of Figures

Figure 1: France GDP - Contribution by Sector (%), Value Added in 2015
Figure 2: France Real GDP (EUR Trillion), 2010-2019
Figure 3: EUR-US$ Exchange Rate, 2010-2019
Figure 4: French Consumer Price Inflation, 2010-2019
Figure 5: French Current Account Balance (% of GDP), 2010-2014
Figure 6: French Unemployment Rate, 2010-2019
Figure 7: French Population by Age Group, 1991-2025
Figure 8: French Non-Life Insurance Penetration - Regional Comparison (%), 2014
Figure 9: French Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2014
Figure 10: French Non-Life Insurance - Gross Written Premium (EUR Billion), 2010-2019
Figure 11: French Non-Life Insurance - Penetration (%), 2010-2019
Figure 12: French Non-Life Insurance - Premium per Capita (EUR), 2010-2019
Figure 13: French Non-Life Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 14: French Non-Life Insurance - Profitability Ratio (%), 2010-2019
Figure 15: French Non-Life Insurance - Total Assets (EUR Billion), 2010-2019
Figure 16: French Non-Life Insurance - Total Investment Income (EUR Billion), 2010-2019
Figure 17: French Non-Life Insurance - Investment Portfolio (EUR Billion), 2010-2019
Figure 18: French Non-Life Insurance - Investment Portfolio Dynamics by Category, 2010-2019
Figure 19: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion and US$ Billion), 2010-2019
Figure 20: French Non-Life Insurance - Direct Written Premium Dynamics by Category, 2010-2019
Figure 21: French Property Insurance - Construction Value Output by Category (EUR Billion), 2010-2014
Figure 22: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2010-2019
Figure 23: French Property Insurance - Direct Written Premium Dynamics by Sub-Category, 2010-2019
Figure 24: French Property Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 25: French Property Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2010-2019
Figure 26: New Passenger Vehicle registration in France, 2011-2015
Figure 27: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2010-2019
Figure 28: French Motor Insurance - Direct Written Premium Dynamics by Sub-Category, 2010-2019
Figure 29: French Motor Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 30: French Motor Insurance- Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2010-2019
Figure 31: French Liability Insurance - Direct Written Premium (EUR Billion), 2010-2019
Figure 32: French Liability Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 33: French Liability Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2010-2019
Figure 34: French Imports and Exports of Goods and Services (US$ Billion), 2010-2014
Figure 35: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2010-2019
Figure 36: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 37: French Marine, Aviation and Transit Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2010-2019
Figure 38: French Non-Life Insurance - Direct Written Premium by Distribution Channel (%), 2010, 2014 and 2019
Figure 39: French Frequency of Hazards by Type, 1990-2014
Figure 40: French Mortality of Hazards by Type, 1990-2014
Figure 41: French Economic issues of Hazards by Type, 1990-2014
Figure 42: French Non-Life Insurance - Top Insurers' Gross Written Premium Growth Relative to Overall Segment (%), 2010-2014
Figure 43: Shares of Key Insurers in the French Non-Life Insurance Segment (%), 2014
Figure 44: France - The Three Pillars of Solvency II
Figure 45: France - Insurance Supervision and Control at Various Levels
Figure 46: France - Insurance Regulatory Frameworks for Company Registration and Operation

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