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

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Synopsis

Timetric's 'Non-Life Insurance in France, Key Trends and Opportunities to 2019' report provides a detailed outlook by product category for the French non-life insurance segment, and a comparison of the French insurance industry wit

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Synopsis

Timetric's 'Non-Life Insurance in France, Key Trends and Opportunities to 2019' report provides a detailed outlook by product category for the French non-life insurance segment, and a comparison of the French insurance industry with its regional counterparts.

It provides values for key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2010-2014) and forecast period (2014-2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of French economy and demographics, explains the various types of natural hazard and their impact on the French insurance industry, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's ' Non-Life Insurance in France, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the French non-life insurance segment, including:

French non-life insurance segment's detailed outlook by product category

A comprehensive overview of French economy and demographics

A comparison of the French insurance industry with its regional counterparts

Detailed analysis of natural hazards and their impact on the French insurance industry

Details of the competitive landscape in the non-life insurance segment in France

Details of regulatory policy applicable to French insurance industry

Scope

This report provides a comprehensive analysis of the non-life insurance segment in France:

It provides historical values for the French non-life insurance segment for the report's 2010-2014 review period, and projected figures for the 2014-2019 forecast period.

It offers a detailed analysis of the key categories in the French non-life insurance segment, and market forecasts to 2019.

It analyzes the various distribution channels for non-life insurance products in France.

It profiles the top non-life insurance companies in France, 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 French non-life insurance segment, and each category within it.

Understand the demand-side dynamics, key market trends and growth opportunities in the French non-life insurance segment.

Assess the competitive dynamics in the non-life insurance segment.

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the French insurance industry, and their impact on companies and the industry's future.

Key Highlights

Property insurance was the largest category in the non-life segment, and accounted for 46.8% of the segment's direct written premium in 2014.

Telematics, or usage-based insurance, is an upcoming global technological development used by motor insurers to measure driving behavior and determine the premium rates for individual drivers.

Liability insurance was the smallest category in 2014, accounting for 9.3% of the segment'sdirect written premium.

Agencies and direct marketing were the most popular distribution channels for non-life insurers in France during the review period, each accounting for 34.0% of the new business direct written premium generated in 2014.

The French non-life insurance segment is consolidated, with the presence of both domestic and foreign insurers. The top nine leading insurers accounted for 87.3% of the non-life gross written premium in 2014.

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Scope

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 Covea 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 Autorite de Controle Prudentiel

9.5.4 Autorite des Marches 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 Figure

Figure 1: France GDP-Contribution by Sector (%), Value Added in 2015

Figure 2: France Real GDP (EUR Trillion), 2010-2019

Figure 3: EUR-USD 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 USD 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 (USD 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


List Of Table

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 USD Billion), 2010-2014

Table 5: French Non-Life Insurance-Penetration (%), 2010-2014

Table 6: French Non-Life Insurance-Gross Written Premium (EUR Billion and USD Billion), 2014-2019

Table 7: French Non-Life Insurance-Penetration (%), 2014-2019

Table 8: French Non-Life Insurance- Premium per Capita (EUR and USD), 2010-2014

Table 9: French Non-Life Insurance- Premium per Capita (EUR and USD), 2014-2019

Table 10: French Non-Life Insurance-Paid Claims (EUR Billion and USD Billion), 2010-2014

Table 11: French Non-Life Insurance-Paid Claims (EUR Billion and USD 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 USD Billion), 2010-2014

Table 15: French Non-Life Insurance-Total Assets (EUR Billion and USD Billion), 2014-2019

Table 16: French Non-Life Insurance-Total Investment Income (EUR Billion and USD Billion), 2010-2014

Table 17: French Non-Life Insurance-Total Investment Income (EUR Billion and USD 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 USD Billion), 2010-2014

Table 26: French Property Insurance-Paid Claims (EUR Billion and USD 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 USD Billion), 2010-2014

Table 32: French Motor Insurance-Paid Claims (EUR Billion and USD 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 USD Billion), 2010-2014

Table 38: French Liability Insurance-Paid Claims (EUR Billion and USD 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 USD Billion), 2010-2014

Table 45: French Marine, Aviation and Transit Insurance-Paid Claims (EUR Billion and USD 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 (USD Million) by Flood Type, 1990-2015

Table 53: Shares of Key Insurers in the French Non-Life Insurance Segment (%), 2014

Table 54: Covea Mutual Insurance Group-Key Facts

Table 55: Covea 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

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Products

Non-life insurance

Economy and demographics

Motor insurance

Motor hull insurance

Motor third-party insurance

Property insurance

Fire and allied perils insurance

Liability insurance

Marine insurance

Aviation insurance

Transit insurance

Distribution channels

Direct Marketing

E-commerce

Bancassurance

Natural hazards

Leading companies

Legislation

Compulsory insurance

Supervision and control

Non-admitted insurance

Types of insurance organization


Companies

Covea Group (MAAF, MMA, GMF)

Groupama

Sferen

Allianz France

Axa France

Generali France

Credit Mutuel

Groupe Credit Agricole Assurance

BNP Paribas Cardif

Brand Description
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