Marktanalyse - Non-Life Insurance in the Netherlands, Key Trends and Opportunities to 2016

Synopsis
The report provides in depth market analysis, information and insights into the Netherlands non-life insurance market, including:
• The Netherlands non-life insurance market’s growth prospects by non-life insurance categories
• The various distribution channels in the Netherlands non-life insurance market
• The competitive landscape in the non-life insurance market in the Netherlands
• A description of the non-life reinsurance market in the Netherlands

Summary
The Dutch non-life insurance segment is mature and considered one of the ten largest in the world in terms of gross written premium. The Netherlands non-life insurance segment is highly fragmented and competitive with the presence of more than 174 insurers supplying a variety of products. Due to the impact of the global financial crisis, the non-life segment’s growth was almost stagnant during 2008—2010. Prior to the global financial crisis of 2008, which led to a period of economic deceleration in the Netherlands, leading non-life insurance companies were engaged in pricing competition in order to gain market share.

Scope
This report provides a comprehensive analysis of the non-life insurance market in the Netherlands:
• It provides historical values for the Netherlands non-life insurance market for the report’s 2007—2011 review period and forecast figures for the 2012—2016 forecast period
• It offers a detailed analysis of the key sub-segments in the Netherlands non-life insurance market, along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for non-life insurance products in the Netherlands
• Using Porter’s industry-standard 'Five Forces” analysis, it details the competitive landscape in the Netherlands for the non-life insurance business
• It provides a detailed analysis of the reinsurance market in the Netherlands and its growth prospects
• It profiles the top non-life insurance companies in the Netherlands, and outlines the key regulations affecting them

Reasons To Buy
• Make strategic business decisions using in depth historic and forecast market data related to the Netherlands non-life insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Netherlands non-life insurance market
• Assess the competitive dynamics in the non-life insurance market, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Netherlands insurance market and its impact on companies and the market's future

Key Highlights
• Non-life insurers are now focusing on reducing costs and improving efficiency to generate sufficient profit margins. Disciplined underwriting, lower expense bases (including reduced staff headcounts) and cost-effective sales platforms remain crucial success factors.
• Due to factors such as the global financial crisis, the sovereign debt crisis in the Eurozone and direct competition between banks and insurance companies in savings products, the value of the Dutch life insurance segment declined continuously during the review period.
• Due to the implementation of Solvency II legislation, the Dutch non-life insurance segment is expected to experience further consolidation with an increase in merger and acquisition (M&A) activity over the forecast period.
• The Netherlands non-life insurance segment is highly competitive and firms employ a combination of distribution channels to maximize revenues. Insurance brokers were the second-largest distributor of non-life products in the Netherlands during the review period.
• Considering the fast-changing industry dynamics, insurers are increasingly focusing on cost control measures and economies of scale. Direct marketing is expected to remain the most popular channel, followed by bancassurance and brokers.
• The non-life insurance segment is highly competitive with the presence of around 174 primary insurers. Interpolis Schade N.V. was the leading non-life insurance company in the Dutch non-life insurance segment in 2010 followed by Achmea Schadeverzekeringen N.V. and ASR Schadeverzekering N.V.


Press Release:

Non-Life Insurance in the Netherlands, Key Trends and Opportunities to 2016

The Netherlands non-life insurance segment is highly fragmented and competitive with the presence of more than 174 insurers supplying a variety of products. Due to the impact of the global financial crisis the non-life segment’s growth was almost stagnant during 2008—2010. Price competition is so intensive that in 2011, the Dutch Central Bank (DNB) issued a warning to a number of insurers because premiums were set too low, which posed a threat to firm’s financial position. The 10-leading non-life insurers accounted for around 63% of the segment’s overall gross written premiums in 2011.

The main categories in the segment are property and motor insurance. Non-life products are distributed through a variety of channels, of which, direct marketing accounted for the largest share of 30.3% of the total commission earned in 2011. As economic conditions improve and the property market stabilizes over the forecast period (2012—2016), the segment is projected to grow at a CAGR of 1.8%.

Stabilizing property market to impact growth

Property insurance is the largest category in the non-life insurance segment, accounting for a market share of 48.6% of the total gross written premiums in 2011. According to the Dutch Construction and Infrastructure Federation (Bouwend Nederland), annual construction output should average 75,000 housing completions annually in order to meet the nation’s demand. Also, according to the existing homes indicator of Statistics Netherlands/Land Registry, house prices declined by 1% during the first quarter of 2012 on a quarterly basis. As economic conditions improve, consumer purchasing power and borrowing capacity will rise, a situation which will support the growth of non-life insurance segment.

Fragmented non-life insurance segment is in the process of consolidation

According to the Dutch central bank there were 247 non-life insurance companies in 2007, this number declined to 174 in 2012. Due to the implementation of Solvency II legislation, the Dutch non-life insurance segment is expected to experience further consolidation with an increase in merger and acquisition (M&A) activity over the forecast period. Many smaller insurers will not able to restore their balance sheets following the global financial crisis and subsequent European debt crisis, and therefore will look to merge with larger firms.

Timetric

Timetric is an independent economic and business research firm providing critical intelligence on emerging economies and key global industries. It provides detailed economic and sector intelligence, business insights and independent authoritative commentary. Each year Timetric produces hundreds of high-quality research reports across numerous countries, industries and companies. These reports draw on in-depth primary and secondary research, proprietary data, and high-quality modelling and analysis to give deep insight into global market dynamics and economic trends.

Table of Contents

1 Executive Summary

2 Introduction

2.1 What is this Report About?

2.2 Definitions

2.3 Methodology

3 The Dutch Insurance Industry Attractiveness

3.1 Insurance Industry Market Size, 2007—2016

3.2 Key Industry Trends and Drivers

3.2.1 Business drivers

3.2.2 Consumer drivers

3.3 Recent Market Developments

4 Non-Life Insurance Segment Outlook

4.1 Non-Life Insurance Growth Prospects by Category

4.1.1 Property insurance category

4.1.2 Fire and allied perils insurance sub-category

4.1.3 Engineering insurance sub-category

4.1.4 Agriculture insurance sub-category

4.1.5 Other property sub-category

4.2 Motor Insurance Category

4.2.1 Motor hull sub-category

4.2.2 Motor third-party sub-category

4.3 General Third-Party Category

4.4 Marine, Aviation and Transit Category

4.4.1 Marine sub-category

4.4.2 Marine hull sub-category

4.4.3 Marine third party sub-category

4.4.4 Aviation sub-category

4.4.5 Transit sub-category

5 Analysis by Distribution Channel

5.1 Direct Marketing Channel

5.2 Bancassurance Channel

5.3 Agencies Channel

5.4 E-Commerce Channel

5.5 Brokers Channel

5.6 Other Channels

6 Regulatory Policies

7 Porter’s Five Forces Analysis — The Netherlands Non-Life Insurance Segment

7.1 Bargaining Power of Supplier: Low to Medium

7.2 Bargaining Power of Buyer: Medium

7.3 Barriers to Entry: Medium to High

7.4 Intensity of Rivalry: High

7.5 Threat of Substitutes: Low

8 Reinsurance Growth Dynamics and Challenges

8.1 Reinsurance Market Size, 2007—2016

8.2 Reinsurance Market Size by Type of Insurance, 2007—2016

9 Competitive Landscape and Strategic Insights

9.1 Overview

9.2 Leading Companies in the Dutch Non-Life Insurance Market

9.3 Comparison of Top-Five Insurers

9.3.1 Gross written premium

9.3.2 Net earned premiums

9.3.3 Gross claims

9.3.4 Paid claims

9.3.5 Pre tax profit/loss

9.3.6 Total assets

9.3.7 Total investment income

9.4 Interpolis Schade N.V. — Company Overview

9.4.1 Interpolis Schade N.V. — key facts

9.4.2 Interpolis Schade N.V. — key financials

9.5 Achmea Schadeverzekeringen N.V. — Company Overview

9.5.1 Achmea Schadeverzekeringen N.V. — key facts

9.5.2 Achmea Schadeverzekeringen N.V. — key financials

9.6 ASR Schadeverzekering N.V. — Company Overview

9.6.1 ASR Schadeverzekering N.V. — key facts

9.6.2 ASR Schadeverzekering N.V. — key financials

9.7 Delta Lloyd Schadeverzekering N.V. — Company Overview

9.7.1 Delta Lloyd Schadeverzekering N.V. — key facts

9.7.2 Delta Lloyd Schadeverzekering N.V. — key financials

9.8 Atradius Credit Insurance N.V. — Company Overview

9.8.1 Atradius Credit Insurance N.V. — key facts

9.8.2 Atradius Credit Insurance N.V. — key financials

9.9 Amlin Corporate Insurance N.V. — Company Overview

9.9.1 Amlin Corporate Insurance N.V. — key facts

9.9.2 Amlin Corporate Insurance N.V. — key financials

9.1 Nationale-Nederlanden Schadeverzekering Maatschappij N.V. — Company Overview

9.10.1 Nationale-Nederlanden Schadeverzekering Maatschappij N.V. — key facts

9.10.2 Nationale-Nederlanden Schadeverzekering Maatschappij N.V. — key financials

9.11 REAAL Schadeverzekeringen N.V. — Company Overview

9.11.1 REAAL Schadeverzekeringen N.V. — key facts

9.11.2 REAAL Schadeverzekeringen N.V. — key financials

9.12 Allianz Nederland Schadeverzekering N.V. — Company Overview

9.12.1 Allianz Nederland Schadeverzekering N.V. — key facts

9.12.2 Allianz Nederland Schadeverzekering N.V. — key financials

9.13 Menzis N.V. — Company Overview

9.13.1 Menzis N.V. — key facts

9.13.2 Menzis N.V. — key financials

10 Business Environment and Country Risk

10.1 Business Confidence

10.1.1 Market capitalization trend — Euronext Amsterdam stock exchange, the Netherlands

10.2 Economic Performance

10.2.1 GDP at constant prices (US dollar)

10.2.2 GDP per capita at constant prices (US dollar)

10.2.3 GDP at current prices (US dollar)

10.2.4 GDP per capita at current prices (US dollar)

10.2.5 GDP by key segments

10.2.6 Agricultural net output at current prices (EUR)

10.2.7 Agricultural net output at current prices (US dollar)

10.2.8 Agricultural net output at current prices as a percentage of GDP

10.2.9 Manufacturing net output at current prices (EUR)

10.2.10 Manufacturing net output at current prices (US dollar)

10.2.11 Manufacturing net output at current prices as a percentage of GDP

10.2.12 Mining, manufacturing and utilities net output at current prices (EUR)

10.2.13 Mining, manufacturing and utilities at current prices (US dollar)

10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP

10.2.15 Construction net output at current prices (EUR)

10.2.16 Construction net output at current prices, (US dollar)

10.2.17 Construction net output at current prices as a percentage of GDP

10.2.18 Inflation rate

10.2.19 Current account balance as a percentage of GDP

10.2.20 Exports as a percentage of GDP

10.2.21 Imports as a percentage of GDP

10.2.22 Exports growth

10.2.23 Imports growth

10.2.24 Annual average exchange rate US$—EUR

10.2.25 End-of-period exchange rate US$—EUR

10.3 Infrastructure Quality and Availability

10.3.1 Total airports and sea ports

10.3.2 Railways and roadways

10.3.3 Passenger vehicle production volume

10.3.4 Commercial vehicle production volume

10.3.5 Automotive component exports trend

10.3.6 Automotive component imports trend

10.3.7 Passenger car penetration

10.3.8 Healthcare expenditure

10.3.9 Healthcare expenditure as a percentage of GDP

10.3.10 Healthcare expenditure per capita

10.3.11 Total internet subscribers

10.4 Labor Force

10.4.1 Labor force

10.4.2 Unemployment rate

10.5 Demographics

10.5.1 Annual disposable income

10.5.2 Annual per capita disposable income

10.5.3 Total population

10.5.4 Urban and rural population

10.5.5 Females as a percentage of the total population

10.5.6 Males as a percentage of the total population

10.5.7 Mean age of the population

10.5.8 Median age of population

10.5.9 Population density

10.5.10 Age distribution of the total population

10.5.11 Age distribution of the male population

10.5.12 Age distribution of the female population

10.5.13 Number of households

10.6 Political and Social Risk

10.6.1 Political stability

10.6.2 Terrorism index

10.6.3 Transparency index

11 Appendix

11.1 Methodology

11.2 Contact Us

11.3 About Timetric

11.4 Disclaimer





List of Tables

Table 1: Insurance Industry Definitions

Table 2: Netherlands Insurance — Overall Written Premium by Segment (EUR Billion), 2007—2011

Table 3: Netherlands Insurance — Overall Written Premium by Segment (US$ Billion), 2007—2011

Table 4: Netherlands Insurance — Overall Written Premium by Segment (EUR Billion), 2011—2016

Table 5: Netherlands Insurance — Overall Written Premium by Segment (US$ Billion), 2011—2016

Table 6: Netherlands Insurance Segmentation (% Share), 2007—2016

Table 7: Netherlands Non-Life Insurance Written Premium by Category (EUR Billion), 2007—2011

Table 8: Netherlands Non-Life Insurance Written Premium by Category (US$ Billion), 2007—2011

Table 9: Netherlands Non-Life Insurance Written Premium by Category (EUR Billion), 2011—2016

Table 10: Netherlands Non-Life Insurance Written Premium by Category (US$ Billion), 2011—2016

Table 11: Netherlands Non-Life Insurance — Earned Premium (EUR Billion), 2007—2011

Table 12: Netherlands Non-Life Insurance — Earned Premium (EUR Billion), 2011—2016

Table 13: Netherlands Non-Life Insurance — Paid Claims by Category (EUR Billion), 2007—2011

Table 14: Netherlands Non-Life Insurance — Paid Claims by Category (US$ Billion), 2007—2011

Table 15: Netherlands Non-Life Insurance — Paid Claims by Category (EUR Billion), 2011—2016

Table 16: Netherlands Non-Life Insurance — Paid Claims by Category (US$ Billion), 2011—2016

Table 17: Netherlands Non-Life Insurance — Incurred Loss by Category (EUR Billion), 2007—2011

Table 18: Netherlands Non-Life Insurance — Incurred Loss by Category (US$ Billion), 2007—2011

Table 19: Netherlands Non-Life Insurance — Incurred Loss by Category (EUR Billion), 2011—2016

Table 20: Netherlands Non-Life Insurance — Incurred Loss by Category (US$ Billion), 2011—2016

Table 21: Netherlands Non-Life Insurance — Loss Ratio (%), 2007—2011

Table 22: Netherlands Non-Life Insurance — Loss Ratio (%), 2011—2016

Table 23: Netherlands Non-Life Insurance — Commission and Expenses (EUR Billion), 2007—2011

Table 24: Netherlands Non-Life Insurance — Commission and Expenses (EUR Billion), 2011—2016

Table 25: Netherlands Non-Life Insurance — Combined Ratio (%), 2007—2011

Table 26: Netherlands Non-Life Insurance — Combined Ratio (%), 2011—2016

Table 27: Netherlands Non-Life Insurance — Frauds and Crimes (EUR Billion), 2007—2011

Table 28: Netherlands Non-Life Insurance — Frauds and Crimes (EUR Billion), 2011—2016

Table 29: Netherlands Non-Life Insurance — Total Assets (EUR Billion), 2007—2011

Table 30: Netherlands Non-Life Insurance — Total Assets (EUR Billion), 2011—2016

Table 31: Netherlands Non-Life Insurance — Total Investment Income (EUR Billion), 2007—2011

Table 32: Netherlands Non-Life Insurance — Total Investment Income (EUR Billion), 2011—2016

Table 33: Netherlands Non-Life Insurance — Retentions (EUR Billion), 2007—2011

Table 34: Netherlands Non-Life Insurance — Retentions (EUR Billion), 2011—2016

Table 35: Netherlands Property Insurance Written Premium by Sub-Category (EUR Billion), 2007—2011

Table 36: Netherlands Property Insurance Written Premium by Sub-Category (US$ Billion), 2007—2011

Table 37: Netherlands Property Insurance Written Premium by Sub-Category (EUR Billion), 2011—2016

Table 38: Netherlands Property Insurance Written Premium by Sub-Category (US$ Billion), 2011—2016

Table 39: Netherlands Property Insurance Category — Loss Ratio (%), 2007—2011

Table 40: Netherlands Property Insurance Category — Loss Ratio (%), 2011—2016

Table 41: Netherlands Fire and Allied Perils Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 42: Netherlands Fire and Allied Perils Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 43: Netherlands Fire and Allied Perils Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 44: Netherlands Fire and Allied Perils Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 45: Netherlands Engineering Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 46: Netherlands Engineering Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 47: Netherlands Engineering Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 48: Netherlands Engineering Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 49: Netherlands Agriculture Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 50: Netherlands Agriculture Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 51: Netherlands Agriculture Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 52: Netherlands Agriculture Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 53: Netherlands Other Property Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 54: Netherlands Other Property Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 55: Netherlands Other Property Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 56: Netherlands Other Property Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 57: Netherlands Motor Insurance Written Premium by Sub-Category (EUR Billion), 2007—2011

Table 58: Netherlands Motor Insurance Written Premium by Sub-Category (US$ Billion), 2007—2011

Table 59: Netherlands Motor Insurance Written Premium by Sub-Category (EUR Billion), 2011—2016

Table 60: Netherlands Motor Insurance Written Premium by Sub-Category (US$ Billion), 2011—2016

Table 61: Netherlands Motor Insurance Category — Loss Ratio (%), 2007—2011

Table 62: Netherlands Motor Insurance Category — Loss Ratio (%), 2011—2016

Table 63: Netherlands Motor Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 64: Netherlands Motor Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 65: Netherlands Motor Hull Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 66: Netherlands Motor Hull Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 67: Netherlands Motor Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 68: Netherlands Motor Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 69: Netherlands Motor Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 70: Netherlands Motor Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 71: General Third-Party Insurance Category — Number of Policies Sold (Thousand), 2007—2011

Table 72: Netherlands General Third-Party Insurance Category — Number of Policies Sold (Thousand), 2011—2016

Table 73: Netherlands General Third-Party Insurance Category by Written Premium (EUR Billion), 2007—2011

Table 74: Netherlands General Third-Party Insurance Category by Written Premium (EUR Billion), 2011—2016

Table 75: Netherlands General Third-Party Insurance Category — Loss Ratio (%), 2007—2011

Table 76: Netherlands General Third-Party Insurance Category — Loss Ratio (%), 2011—2016

Table 77: Netherlands Marine, Aviation and Transit Insurance Written Premium by Sub-Category (EUR Billion), 2007—2011

Table 78: Netherlands Marine, Aviation and Transit Insurance Written Premium by Sub-Category (US$ Billion), 2007—2011

Table 79: Netherlands Marine, Aviation and Transit Insurance Written Premium by Sub-Category (EUR Billion), 2011—2016

Table 80: Netherlands Marine, Aviation and Transit Insurance Written Premium by Sub-Category (US$ Billion), 2011—2016

Table 81: Netherlands Marine, Aviation and Transit Insurance Category — Loss Ratio (%), 2007—2011

Table 82: Netherlands Marine, Aviation and Transit Insurance Category — Loss Ratio (%), 2011—2016

Table 83: Netherlands Marine Insurance Written Premium by Sub-category (EUR Billion), 2007—2011

Table 84: Netherlands Marine Insurance Written Premium by Sub-category (US$ Billion), 2007—2011

Table 85: Marine Insurance Written Premium by Sub-category (EUR Billion), 2011—2016

Table 86: Marine Insurance Written Premium by Sub-category (US$ Billion), 2011—2016

Table 87: Netherlands Marine Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 88: Netherlands Marine Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 89: Netherlands Marine Hull Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 90: Netherlands Marine Hull Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 91: Netherlands Marine Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 92: Netherlands Marine Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 93: Netherlands Marine Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 94: Netherlands Marine Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 95: Netherlands Aviation Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 96: Netherlands Aviation Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 97: Netherlands Aviation Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 98: Netherlands Aviation Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 99: Netherlands Transit Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Table 100: Netherlands Transit Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Table 101: Netherlands Transit Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Table 102: Netherlands Transit Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Table 103: Netherlands Non-Life Insurance — Direct Marketing Commission Paid (EUR Billion), 2007—2011

Table 104: Netherlands Non-Life Insurance — Direct Marketing Commission Paid (EUR Billion), 2011—2016

Table 105: Netherlands Non-Life Insurance — Written Premium Through Direct Marketing (EUR Billion), 2007—2011

Table 106: Netherlands Non-Life Insurance — Written Premium Through Direct Marketing (EUR Billion), 2011—2016

Table 107: Netherlands Non-Life Insurance — Policies Sold Through Direct Marketing (Thousand), 2007—2011

Table 108: Netherlands Non-Life Insurance — Policies Sold Through Direct Marketing (Thousand), 2011—2016

Table 109: Netherlands Non-Life Insurance — Number of Direct Marketing Distributors, 2007—2011

Table 110: Netherlands Non-Life Insurance — Number of Direct Marketing Distributors, 2011—2016

Table 111: Netherlands Non-Life Insurance — Bancassurance Commission Paid (EUR Billion), 2007—2011

Table 112: Netherlands Non-Life Insurance — Bancassurance Commission Paid (EUR Billion), 2011—2016

Table 113: Netherlands Non-Life Insurance — Written Premium Through Bancassurance (EUR Billion), 2007—2011

Table 114: Netherlands Non-Life Insurance — Written Premium Through Bancassurance (EUR Billion), 2011—2016

Table 115: Netherlands Non-Life Insurance — Policies Sold Through Bancassurance (Thousand), 2007—2011

Table 116: Netherlands Non-Life Insurance — Policies Sold Through Bancassurance (Thousand), 2011—2016

Table 117: Netherlands Non-Life Insurance — Number of Bancassurance Distributors, 2007—2011

Table 118: Netherlands Non-Life Insurance — Number of Bancassurance Distributors, 2011—2016

Table 119: Netherlands Non-Life Insurance — Commission Paid to Agencies (EUR Billion), 2007—2011

Table 120: Netherlands Non-Life Insurance — Commission Paid to Agencies (EUR Billion), 2011—2016

Table 121: Netherlands Non-Life Insurance — Written Premium Through Agencies (EUR Billion), 2007—2011

Table 122: Netherlands Non-Life Insurance — Written Premium Through Agencies (EUR Billion), 2011—2016

Table 123: Netherlands Non-Life Insurance — Policies Sold Through Agencies (Thousand), 2007—2011

Table 124: Netherlands Non-Life Insurance — Policies Sold Through Agencies (Thousand), 2011—2016

Table 125: Netherlands Non-Life Insurance — Number of Agencies, 2007—2011

Table 126: Netherlands Non-Life Insurance — Number of Agencies, 2011—2016

Table 127: Netherlands Non-Life Insurance — E-Commerce Commission Paid (EUR Billion), 2007—2011

Table 128: Netherlands Non-Life Insurance — E-Commerce Commission Paid (EUR Billion), 2011—2016

Table 129: Netherlands Non-Life Insurance — Written Premium Through E-Commerce (EUR Billion), 2007—2011

Table 130: Netherlands Non-Life Insurance — Written Premium Through E-Commerce (EUR Billion), 2011—2016

Table 131: Netherlands Non-Life Insurance — Policies Sold Through E-Commerce (Thousand), 2007—2011

Table 132: Netherlands Non-Life Insurance — Policies Sold Through E-Commerce (Thousand), 2011—2016

Table 133: Netherlands Non-Life Insurance — Number of E-Commerce Distributors, 2007—2011

Table 134: Netherlands Non-Life Insurance — Number of E-Commerce Distributors, 2011—2016

Table 135: Netherlands Non-Life Insurance — Commission Paid to Brokers (EUR Billion), 2007—2011

Table 136: Netherlands Non-Life Insurance — Commission Paid to Brokers (EUR Billion), 2011—2016

Table 137: Netherlands Non-Life Insurance — Written Premium Through Brokers (EUR Billion), 2007—2011

Table 138: Netherlands Non-Life Insurance — Written Premium Through Brokers (EUR Billion), 2011—2016

Table 139: Netherlands Non-Life Insurance — Policies Sold Through Brokers (Thousand), 2007—2011

Table 140: Netherlands Non-Life Insurance — Policies Sold Through Brokers (Thousand), 2011—2016

Table 141: Netherlands Non-Life Insurance — Number of Brokers, 2007—2011

Table 142: Netherlands Non-Life Insurance — Number of Brokers, 2011—2016

Table 143: Netherlands Non-Life Insurance — Commission Paid to Other Channels (EUR Billion), 2007—2011

Table 144: Netherlands Non-Life Insurance — Commission Paid to Other Channels (EUR Billion), 2011—2016

Table 145: Netherlands Non-Life Insurance — Written Premium Through Other Channels (EUR Billion), 2007—2011

Table 146: Netherlands Non-Life Insurance — Written Premium Through Other Channels (EUR Billion), 2011—2016

Table 147: Netherlands Non-Life Insurance — Policies Sold Through Other Channels (Thousand), 2007—2011

Table 148: Netherlands Non-Life Insurance — Policies Sold Through Other Channels (Thousand), 2011—2016

Table 149: Netherlands Non-Life Insurance — Number of Distributors in Other Channels, 2007—2011

Table 150: Netherlands Non-Life Insurance — Number of Distributors in Other Channels, 2011—2016

Table 151: Reinsurance in the Netherlands by Category (EUR Billion), 2007—2011

Table 152: Reinsurance in the Netherlands by Category (US$ Billion), 2007—2011

Table 153: Reinsurance in the Netherlands by Category (EUR Billion), 2011—2016

Table 154: Reinsurance in the Netherlands by Category (US$ Billion), 2011—2016

Table 155: The Netherlands — Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2007—2011

Table 156: The Netherlands — Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2007—2011

Table 157: The Netherlands — Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2011—2016

Table 158: The Netherlands — Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2011—2016

Table 159: Netherlands Non-Life Insurance — Percentage of Reinsurance Ceded, 2007—2011

Table 160: Netherlands Non-Life Insurance — Percentage of Reinsurance Ceded, 2011—2016

Table 161: Netherlands Non-Life Insurance Market Share, 2009—2010

Table 162: Interpolis Schade N.V., Key Facts

Table 163: Interpolis Schade N.V., Key Financials (EUR Thousand)

Table 164: Achmea Schadeverzekeringen N.V., Key Facts

Table 165: Achmea Schadeverzekeringen N.V., Key Financials (EUR Thousand)

Table 166: ASR Schadeverzekering N.V., Key Facts

Table 167: ASR Schadeverzekering N.V., Key Financials (EUR Thousand)

Table 168: Delta Lloyd Schadeverzekering N.V., Key Facts

Table 169: Delta Lloyd Schadeverzekering N.V., Key Financials (EUR Thousand)

Table 170: Atradius Credit Insurance N.V., Key Facts

Table 171: Atradius Credit Insurance N.V., Key Financials (EUR Thousand)

Table 172: Amlin Corporate Insurance N.V., Key Facts

Table 173: Amlin Corporate Insurance N.V., Key Financials (EUR Thousand)

Table 174: Nationale-Nederlanden Schadeverzekering Maatschappij N.V., Key Facts

Table 175: Nationale-Nederlanden Schadeverzekering Maatschappij N.V., Key Financials (EUR Thousand)

Table 176: REAAL Schadeverzekeringen N.V., Key Facts

Table 177: REAAL Schadeverzekeringen N.V., Key Financials (EUR Thousand)

Table 178: Allianz Nederland Schadeverzekering N.V., Key Facts

Table 179: Allianz Nederland Schadeverzekering N.V., Key Financials (EUR Thousand)

Table 180: Menzis N.V., Key Facts

Table 181: Menzis N.V., Key Financials (EUR Thousand)



List of Figures

Figure 1: Netherlands Insurance Overall Written Premium by Segment (EUR Billion), 2007—2016

Figure 2: Netherlands Insurance Market Dynamics by Segment, 2007—2016

Figure 3: Netherlands Non-Life Insurance Written Premium by Category (EUR Billion), 2007—2016

Figure 4: Netherlands Non-Life Insurance Written Premium by Category (% Share), 2011 and 2016

Figure 5: Netherlands Non-Life Insurance Market Dynamics by Category, 2007—2016

Figure 6: Netherlands Non-Life Insurance — Earned Premium (EUR Billion), 2007—2011

Figure 7: Netherlands Non-Life Insurance — Earned Premium (EUR Billion), 2011—2016

Figure 8: Netherlands Non-Life Insurance — Paid Claims by Category (EUR Billion), 2007—2016

Figure 9: Netherlands Non-Life Insurance — Incurred Loss by Category (EUR Billion), 2007—2016

Figure 10: Netherlands Non-Life Insurance — Loss Ratio (%), 2007—2011

Figure 11: Netherlands Non-Life Insurance — Loss Ratio (%), 2011—2016

Figure 12: Netherlands Non-Life Insurance — Commission and Expenses (EUR Billion), 2007—2011

Figure 13: Netherlands Non-Life Insurance — Commission and Expenses (EUR Billion), 2011—2016

Figure 14: Netherlands Non-Life Insurance — Combined Ratio (%), 2007—2011

Figure 15: Netherlands Non-Life Insurance — Combined Ratio (%), 2011—2016

Figure 16: Netherlands Non-Life Insurance — Frauds and Crimes (EUR Billion), 2007—2011

Figure 17: Netherlands Non-Life Insurance — Frauds and Crimes (EUR Billion), 2011—2016

Figure 18: Netherlands Non-Life Insurance — Total Assets (EUR Billion), 2007—2011

Figure 19: Netherlands Non-Life Insurance — Total Assets (EUR Billion), 2011—2016

Figure 20: Netherlands Non-Life Insurance — Total Investment Income (EUR Billion), 2007—2011

Figure 21: Netherlands Non-Life Insurance — Total Investment Income (EUR Billion), 2011—2016

Figure 22: Netherlands Non-Life Insurance — Retentions (EUR Billion), 2007—2011

Figure 23: Netherlands Non-Life Insurance — Retentions (EUR Billion), 2011—2016

Figure 24: Netherlands Non-Life Insurance — Investment Portfolio (EUR Billion), 2007—2011

Figure 25: Netherlands Non-Life Insurance — Investment Portfolio (% Share), 2007 and 2011

Figure 26: Netherlands Non-Life Insurance Penetration (% of GDP), 2007—2011

Figure 27: Netherlands Non-Life Insurance — Number of Policies Sold (Thousand), 2007—2011

Figure 28: Netherlands Non-Life Insurance — Number of Policies Sold (Thousand), 2011—2016

Figure 29: Netherlands Non-Life Insurance — Premium Per Capita (LCU), 2007—2011

Figure 30: Netherlands Property Insurance Written Premium (EUR Billion) by Sub-Category, 2007—2016

Figure 31: Netherlands Property Insurance Market Dynamics by Sub-Category, 2007—2016

Figure 32: Netherlands Property Insurance Category — Loss Ratio (%), 2007—2011

Figure 33: Netherlands Property Insurance Category — Loss Ratio (%), 2011—2016

Figure 34: Netherlands Fire and Allied Perils Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 35: Netherlands Fire and Allied Perils Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 36: Netherlands Fire and Allied Perils Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 37: Netherlands Fire and Allied Perils Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 38: Netherlands Engineering Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 39: Netherlands Engineering Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 40: Netherlands Engineering Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 41: Netherlands Engineering Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 42: Netherlands Agriculture Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 43: Netherlands Agriculture Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 44: Netherlands Agriculture Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 45: Netherlands Agriculture Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 46: Netherlands Other Property Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 47: Netherlands Other Property Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 48: Netherlands Other Property Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 49: Netherlands Other Property Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 50: Netherlands Motor Insurance Written Premium and by Sub-Category (EUR Billion), 2007—2016

Figure 51: Netherlands Motor Insurance Market Dynamics by Sub-Category, 2007—2016

Figure 52: Netherlands Motor Insurance Category — Loss Ratio (%), 2007—2011

Figure 53: Netherlands Motor Insurance Category — Loss Ratio (%), 2011—2016

Figure 54: Netherlands Motor Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 55: Netherlands Motor Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 56: Netherlands Motor Hull Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 57: Netherlands Motor Hull Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 58: Netherlands Motor Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 59: Netherlands Motor Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 60: Netherlands Motor Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 61: Netherlands Motor Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 62: General Third-Party Insurance Category — Number of Policies Sold (Thousand), 2007—2011

Figure 63: Netherlands General Third-Party Insurance Category — Number of Policies Sold (Thousand), 2011—2016

Figure 64: Netherlands General Third-Party Insurance Category by Written Premium (EUR Billion), 2007—2011

Figure 65: Netherlands General Third-Party Insurance Category by Written Premium (EUR Billion), 2011—2016

Figure 66: Netherlands General Third-Party Insurance Category — Loss Ratio (%), 2007—2011

Figure 67: Netherlands General Third-Party Insurance Category — Loss Ratio (%), 2011—2016

Figure 68: Netherlands Marine, Aviation and Transit Insurance Written Premium (EUR Billion) by Sub-Category, 2007—2016

Figure 69: Netherlands Marine, Aviation and Transit Insurance Market Dynamics by Sub-Category, 2007—2016

Figure 70: Netherlands Marine, Aviation and Transit Insurance Category — Loss Ratio (%), 2007—2011

Figure 71: Netherlands Marine, Aviation and Transit Insurance Category — Loss Ratio (%), 2011—2016

Figure 72: Netherlands Marine Insurance Written Premium by Sub-category (EUR Billion), 2007—2016

Figure 73: Netherlands Marine Insurance Market Dynamics by Sub-category, 2007—2016

Figure 74: Netherlands Marine Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 75: Netherlands Marine Hull Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 76: Netherlands Marine Hull Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 77: Netherlands Marine Hull Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 78: Netherlands Marine Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 79: Netherlands Marine Third-Party Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 80: Netherlands Marine Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 81: Netherlands Marine Third-Party Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 82: Netherlands Aviation Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 83: Netherlands Aviation Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 84: Netherlands Aviation Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 85: Netherlands Aviation Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 86: Netherlands Transit Insurance Sub-Category — Number of Policies Sold (Thousand), 2007—2011

Figure 87: Netherlands Transit Insurance Sub-Category — Number of Policies Sold (Thousand), 2011—2016

Figure 88: Netherlands Transit Insurance Sub-Category — Written Premium (EUR Billion), 2007—2011

Figure 89: Netherlands Transit Insurance Sub-Category — Written Premium (EUR Billion), 2011—2016

Figure 90: Netherlands Non-Life Insurance Written Premium by Distribution Channel (% Share), 2011 and 2016

Figure 91: Netherlands Non-Life Insurance — Direct Marketing Commission Paid (EUR Billion), 2007—2011

Figure 92: Netherlands Non-Life Insurance — Direct Marketing Commission Paid (EUR Billion), 2011—2016

Figure 93: Netherlands Non-Life Insurance — Written Premium Through Direct Marketing (EUR Billion), 2007—2011

Figure 94: Netherlands Non-Life Insurance — Written Premium Through Direct Marketing (EUR Billion), 2011—2016

Figure 95: Netherlands Non-Life Insurance — Policies Sold Through Direct Marketing (Thousand), 2007—2011

Figure 96: Netherlands Non-Life Insurance — Policies Sold Through Direct Marketing (Thousand), 2011—2016

Figure 97: Netherlands Non-Life Insurance — Number of Direct Marketing Distributors, 2007—2011

Figure 98: Netherlands Non-Life Insurance — Number of Direct Marketing Distributors, 2011—2016

Figure 99: Netherlands Non-Life Insurance — Bancassurance Commission Paid (EUR Billion), 2007—2011

Figure 100: Netherlands Non-Life Insurance — Bancassurance Commission Paid (EUR Billion), 2011—2016

Figure 101: Netherlands Non-Life Insurance — Written Premium Through Bancassurance (EUR Billion),

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