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Non-Life Insurance in Portugal, Key Trends and Opportunities to 2017 - Product Image

Non-Life Insurance in Portugal, Key Trends and Opportunities to 2017

  • Published: December 2013
  • Region: Portugal
  • 273 pages
  • Timetric

FEATURED COMPANIES

  • Liberty Seguros, SA
  • Mapfre Seguros Gerais, SA
  • Zurich Insurance Plc
  • MORE

The report provides in depth market analysis, information and insights into the Portuguese non-life insurance segment, including:
- The Portuguese non-life insurance segment’s growth prospects by non-life insurance categories
- Key trends and drivers for the non-life insurance segment
- The various distribution channels in the Portuguese non-life insurance segment
- Detailed competitive landscape in the non-life insurance segment in Portugal
- Detailed regulatory framework of the Portuguese insurance industry
- A description of the non-life reinsurance segment in Portugal
- Porter's Five Forces Analysis of the non-life insurance segment
- Benchmarking section on the Portuguese non-life insurance segment in comparison to other countries with gross written premium in the range of US$10 billion to US$40 billion

Summary
Portugal’s recessionary economic environment and ongoing austerity measures adopted by the government have created difficult operating conditions for the insurance business in Portugal. The gross written premium of the non-life segment declined at a CAGR of 4.1%, from EUR2.7 billion (US$3.9 billion) in 2008 to EUR2.3 READ MORE >

1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Non-Life Insurance
4.1 Scale and Penetration
4.1.1 Total market gross written premium
4.1.2 Premium per capita
4.1.3 Non-life insurance penetration
4.2 Growth
4.2.1 Gross written premium
4.2.2 Gross written premium per capita
4.3 Efficiency and Risk
4.3.1 Loss ratio
4.3.2 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP
4.4 Distribution Channels
4.4.1 Direct marketing
4.4.2 Brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Portuguese Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends and Drivers
6 Non-Life Insurance Outlook
6.1 Non-Life Insurance Growth Prospects by Category
6.1.1 Property insurance
6.1.2 Fire and allied perils insurance
6.1.3 Engineering insurance
6.1.4 Agriculture insurance
6.1.5 Other property insurance
6.2 Motor Insurance
6.2.1 Motor hull insurance
6.2.2 Motor third-party insurance
6.3 General Third-Party Insurance
6.4 Marine, Aviation and Transit Insurance
6.4.1 Marine insurance
6.4.2 Marine hull insurance
6.4.3 Marine third-party insurance
6.4.4 Aviation insurance
6.4.5 Transit insurance
7 Analysis by Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-Commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Portuguese Non-Life Insurance
8.1 Bargaining Power of Suppliers: Low to Medium
8.2 Bargaining Power of Buyers: Low to Medium
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Medium
8.5 Threat of Substitutes: Low
9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size by Type of Insurance, 2008–2017
10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor vehicle third-party liability insurance
10.3.2 Air carriers and aircraft operators insurance
10.4 Supervision and Control
10.4.1 International regulatory authority
10.4.2 European Insurance and Occupational Pensions Authority
10.4.3 Portugal Insurance Institute
10.4.4 Portuguese Association of Insurers
10.5 Non-Admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and penalties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Reserve requirements
10.6.8 Investment regulations
10.6.9 Statutory return requirements
10.6.10 Fee structure
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Alternative dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the Portuguese Non-Life Insurance Segment
11.3 Companhia de Seguros Fidelidade Mundial SA – Company Overview
11.3.1 Companhia de Seguros Fidelidade Mundial SA – key facts
11.3.2 Companhia de Seguros Fidelidade Mundial SA – key financials
11.4 Companhia de Seguros Tranquilidade, SA – Company Overview
11.4.1 Companhia de Seguros Tranquilidade SA – key facts
11.4.2 Companhia de Seguros Tranquilidade SA – key financials
11.5 Axa Portugal Companhia de Seguros, SA – Company Overview
11.5.1 Axa Portugal Companhia de Seguros, SA – key facts
11.5.2 Axa Portugal Companhia de Seguros, SA – key financials
11.6 Companhia de Seguros Allianz Portugal SA – Company Overview
11.6.1 Companhia de Seguros Allianz Portugal SA – key facts
11.6.2 Companhia de Seguros Allianz Portugal SA – key financials
11.7 Liberty Seguros, SA – Company Overview
11.7.1 Liberty Seguros, SA – key facts
11.7.2 Liberty Seguros, SA – key financials
11.8 Companhia de Seguros Açoreana, SA – Company Overview
11.8.1 Companhia de Seguros Açoreana, SA – key facts
11.8.2 Companhia de Seguros Açoreana, SA – key financials
11.9 Lusitania, Companhia de Seguros SA – Company Overview
11.9.1 Lusitania, Companhia de Seguros SA – key facts
11.9.2 Lusitania, Companhia de Seguros SA – key financials
11.1 Mapfre Seguros Gerais, SA – Company Overview
11.10.1 Mapfre Seguros Gerais, SA – key facts
11.10.2 Mapfre Seguros Gerais, SA – key financials
11.11 Generali – Companhia de Seguros, SpA – Company Overview
11.11.1 Generali – Companhia de Seguros, SpA – key facts
11.12 Zurich Insurance Plc – Sucursal em Portugal – Company Overview
11.12.1 Zurich Insurance Plc – Sucursal em Portugal – key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Lisbon Stock Exchange, Portugal
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.7 Manufacturing net output at current prices (US$)
12.2.8 Manufacturing net output at current prices as a percentage of GDP
12.2.9 Mining, manufacturing and utilities at current prices (US$)
12.2.10 Mining, manufacturing and utilities at current prices, as a percentage of GDP
12.2.11 Construction net output at current prices, (US$)
12.2.12 Construction net output at current prices as a percentage of GDP
12.2.13 Inflation rate
12.2.14 Merchandise exports as a percentage of GDP
12.2.15 Goods imports as a percentage of GDP
12.2.16 Exports growth
12.2.17 Imports growth
12.2.18 Annual average exchange rate EUR–US$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicle exports – total value
12.3.2 Commercial vehicle imports – total value
12.3.3 Automotive exports – total value
12.3.4 Automotive imports – total value
12.3.5 Total Internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross national disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural populations
12.5.5 Age distribution of the total population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions
Table 2: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2012
Table 3: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 4: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2012–2017
Table 5: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 6: Portuguese Insurance – Segmentation (Percentage Share), 2008–2017
Table 7: Portuguese Non-Life Insurance – Written Premium by Category (EUR Billion), 2008–2012
Table 8: Portuguese Non-Life Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 9: Portuguese Non-Life Insurance – Written Premium by Category (EUR Billion), 2012–2017
Table 10: Portuguese Non-Life Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 11: Portuguese Non-Life Insurance – Earned Premium (EUR Billion), 2008–2012
Table 12: Portuguese Non-Life Insurance – Earned Premium (EUR Billion), 2012–2017
Table 13: Portuguese Non-Life Insurance – Paid Claims by Category (EUR Billion), 2008–2012
Table 14: Portuguese Non-Life Insurance – Paid Claims by Category (US$ Billion), 2008–2012
Table 15: Portuguese Non-Life Insurance – Paid Claims by Category (EUR Billion), 2012–2017
Table 16: Portuguese Non-Life Insurance – Paid Claims by Category (US$ Billion), 2012–2017
Table 17: Portuguese Non-Life Insurance – Incurred Loss by Category (EUR Billion), 2008–2012
Table 18: Portuguese Non-Life Insurance – Incurred Loss by Category (US$ Billion), 2008–2012
Table 19: Portuguese Non-Life Insurance – Incurred Loss by Category (EUR Billion), 2012–2017
Table 20: Portuguese Non-Life Insurance – Incurred Loss by Category (US$ Billion), 2012–2017
Table 21: Portuguese Non-Life Insurance – Loss Ratio (%), 2008–2012
Table 22: Portuguese Non-Life Insurance – Loss Ratio (%), 2012–2017
Table 23: Portuguese Non-Life Insurance – Commissions and Expenses (EUR Billion), 2008–2012
Table 24: Portuguese Non-Life Insurance – Commissions and Expenses (EUR Billion), 2012–2017
Table 25: Portuguese Non-Life Insurance – Combined Ratio (%), 2008–2012
Table 26: Portuguese Non-Life Insurance – Combined Ratio (%), 2012–2017
Table 27: Portuguese Non-Life Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Table 28: Portuguese Non-Life Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Table 29: Portuguese Non-Life Insurance – Total Assets (EUR Billion), 2008–2012
Table 30: Portuguese Non-Life Insurance – Total Assets (EUR Billion), 2012–2017
Table 31: Portuguese Non-Life Insurance – Retentions (EUR Billion), 2008–2012
Table 32: Portuguese Non-Life Insurance – Retentions (EUR Billion), 2012–2017
Table 33: Portuguese Property Insurance – Written Premium by Sub-Category (EUR Billion), 2008–2012
Table 34: Portuguese Property Insurance – Written Premium by Sub-Category (US$ Billion), 2008–2012
Table 35: Portuguese Property Insurance – Written Premium by Sub-Category (EUR Billion), 2012–2017
Table 36: Portuguese Property Insurance – Written Premium by Sub-Category (US$ Billion), 2012–2017
Table 37: Portuguese Property Insurance – Loss Ratio (%), 2008–2012
Table 38: Portuguese Property Insurance – Loss Ratio (%), 2012–2017
Table 39: Portuguese Fire and Allied Perils Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 40: Portuguese Fire and Allied Perils Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 41: Portuguese Fire and Allied Perils Insurance – Written Premium (EUR Billion), 2008–2012
Table 42: Portuguese Fire and Allied Perils Insurance – Written Premium (EUR Billion), 2012–2017
Table 43: Portuguese Engineering Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 44: Portuguese Engineering Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 45: Portuguese Engineering Insurance – Written Premium (EUR Million), 2008–2012
Table 46: Portuguese Engineering Insurance – Written Premium (EUR Million), 2012–2017
Table 47: Portuguese Agriculture Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 48: Portuguese Agriculture Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 49: Portuguese Agriculture Insurance – Written Premium (EUR Million), 2008–2012
Table 50: Portuguese Agriculture Insurance – Written Premium (EUR Million), 2012–2017
Table 51: Portuguese Other Property Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 52: Portuguese Other Property Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 53: Portuguese Other Property Insurance – Written Premium (EUR Million), 2008–2012
Table 54: Portuguese Other Property Insurance – Written Premium (EUR Million), 2012–2017
Table 55: Portuguese Motor Insurance – Written Premium by Sub-Category (EUR Billion), 2008–2012
Table 56: Portuguese Motor Insurance – Written Premium by Sub-Category (US$ Billion), 2008–2012
Table 57: Portuguese Motor Insurance – Written Premium by Sub-Category (EUR Billion), 2012–2017
Table 58: Portuguese Motor Insurance – Written Premium by Sub-Category (US$ Billion), 2012–2017
Table 59: Portuguese Motor Insurance – Loss Ratio (%), 2008–2012
Table 60: Portuguese Motor Insurance – Loss Ratio (%), 2012–2017
Table 61: Portuguese Motor Hull Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 62: Portuguese Motor Hull Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 63: Portuguese Motor Hull Insurance – Written Premium (EUR Billion), 2008–2012
Table 64: Motor Hull Insurance – Written Premium (EUR Billion), 2012–2017
Table 65: Portuguese Motor Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 66: Portuguese Motor Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 67: Portuguese Motor Third-Party Insurance – Written Premium (EUR Billion), 2008–2012
Table 68: Portuguese Motor Third-Party Insurance – Written Premium (EUR Billion), 2012–2017
Table 69: Portuguese General Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 70: Portuguese General Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 71: Portuguese General Third-Party Insurance – Written Premium (EUR Million), 2008–2012
Table 72: Portuguese General Third-Party Insurance – Written Premium (EUR Million), 2012–2017
Table 73: Portuguese General Third-Party Insurance – Loss Ratio (%), 2008–2012
Table 74: Portuguese General Third-Party Insurance – Loss Ratio (%), 2012–2017
Table 75: Portuguese Marine, Aviation and Transit Insurance – Written Premium by Sub-Category (EUR Million), 2008–2012
Table 76: Portuguese Marine, Aviation and Transit Insurance – Written Premium by Sub-Category (US$ Million), 2008–2012
Table 77: Portuguese Marine, Aviation and Transit Insurance – Written Premium by Sub-Category (EUR Million), 2012–2017
Table 78: Portuguese Marine, Aviation and Transit Insurance – Written Premium by Sub-Category (US$ Million), 2012–2017
Table 79: Portuguese Marine, Aviation and Transit Insurance – Loss Ratio (%), 2008–2012
Table 80: Portuguese Marine, Aviation and Transit Insurance – Loss Ratio (%), 2012–2017
Table 81: Portuguese Marine Insurance – Written Premium by Policy Type (EUR Million), 2008–2012
Table 82: Portuguese Marine Insurance – Written Premium by Policy Type (US$ Million), 2008–2012
Table 83: Portuguese Marine Insurance – Written Premium by Policy Type (EUR Million), 2012–2017
Table 84: Portuguese Marine Insurance – Written Premium by Policy Type (US$ Million), 2012–2017
Table 85: Portuguese Marine Hull Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 86: Portuguese Marine Hull Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 87: Portuguese Marine Hull Insurance – Written Premium (EUR Million), 2008–2012
Table 88: Portuguese Marine Hull Insurance – Written Premium (EUR Million), 2012–2017
Table 89: Portuguese Marine Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 90: Portuguese Marine Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 91: Portuguese Marine Third-Party Insurance – Written Premium (EUR Million), 2008–2012
Table 92: Portuguese Marine Third-Party Insurance – Written Premium (EUR Million), 2012–2017
Table 93: Portuguese Aviation Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 94: Portuguese Aviation Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 95: Portuguese Aviation Insurance – Written Premium (EUR Million), 2008–2012
Table 96: Portuguese Aviation Insurance – Written Premium (EUR Million), 2012–2017
Table 97: Portuguese Transit Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 98: Portuguese Transit Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 99: Portuguese Transit Insurance – Written Premium (EUR Million), 2008–2012
Table 100: Portuguese Transit Insurance – Written Premium (EUR Million), 2012–2017
Table 101: Portuguese Non-Life Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Table 102: Portuguese Non-Life Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Table 103: Portuguese Non-Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Table 104: Portuguese Non-Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Table 105: Portuguese Non-Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 106: Portuguese Non-Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 107: Portuguese Non-Life Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 108: Portuguese Non-Life Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 109: Portuguese Non-Life Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Table 110: Portuguese Non-Life Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Table 111: Portuguese Non-Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Table 112: Portuguese Non-Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Table 113: Portuguese Non-Life Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 114: Portuguese Non-Life Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 115: Portuguese Non-Life Insurance – Number of Bancassurance Distributors, 2008–2012
Table 116: Portuguese Non-Life Insurance – Number of Bancassurance Distributors, 2012–2017
Table 117: Portuguese Non-Life Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Table 118: Portuguese Non-Life Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Table 119: Portuguese Non-Life Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Table 120: Portuguese Non-Life Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Table 121: Portuguese Non-Life Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 122: Portuguese Non-Life Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 123: Portuguese Non-Life Insurance – Number of Agencies, 2008–2012
Table 124: Portuguese Non-Life Insurance – Number of Agencies, 2012–2017
Table 125: Portuguese Non-Life Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Table 126: Portuguese Non-Life Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Table 127: Portuguese Non-Life Insurance – Written Premium Through E-Commerce (EUR Million), 2008–2012
Table 128: Portuguese Non-Life Insurance – Written Premium Through E-Commerce (EUR Million), 2012–2017
Table 129: Portuguese Non-Life Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 130: Portuguese Non-Life Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 131: Portuguese Non-Life Insurance – Number of E-Commerce Distributors, 2008–2012
Table 132: Portuguese Non-Life Insurance – Number of E-Commerce Distributors, 2012–2017
Table 133: Portuguese Non-Life Insurance – Commission Paid to Brokers (EUR Million), 2008–2012
Table 134: Portuguese Non-Life Insurance – Commission Paid to Brokers (EUR Million), 2012–2017
Table 135: Portuguese Non-Life Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Table 136: Portuguese Non-Life Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Table 137: Portuguese Non-Life Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 138: Portuguese Non-Life Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 139: Portuguese Non-Life Insurance – Number of Brokers, 2008–2012
Table 140: Portuguese Non-Life Insurance – Number of Brokers, 2012–2017
Table 141: Portuguese Non-Life Insurance – Commission Paid to Other Channels (EUR Million), 2008–2012
Table 142: Portuguese Non-Life Insurance – Commission Paid to Other Channels (EUR Million), 2012–2017
Table 143: Portuguese Non-Life Insurance – Written Premium Through Other Channels (EUR Million), 2008–2012
Table 144: Portuguese Non-Life Insurance – Written Premium Through Other Channels (EUR Million), 2012–2017
Table 145: Portuguese Non-Life Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 146: Portuguese Non-Life Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 147: Portuguese Non-Life Insurance – Number of Distributors in Other Channels, 2008–2012
Table 148: Portuguese Non-Life Insurance – Number of Distributors in Other Channels, 2012–2017
Table 149: Reinsurance in Portugal by Category (EUR Billion), 2008–2012
Table 150: Reinsurance in Portugal by Category (US$ Billion), 2008–2012
Table 151: Reinsurance in Portugal by Category (EUR Billion), 2012–2017
Table 152: Reinsurance in Portugal by Category (US$ Billion), 2012–2017
Table 153: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2012
Table 154: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 155: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2012–2017
Table 156: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 157: Portuguese Non-Life Insurance – Percentage of Reinsurance Ceded, 2008–2012
Table 158: Portuguese Non-Life Insurance – Percentage of Reinsurance Ceded, 2012–2017
Table 159: Portugal – Life Insurance Regulatory Framework
Table 160: Portugal – Property Insurance Regulatory Framework
Table 161: Portugal – Motor Insurance Regulatory Framework
Table 162: Portugal – Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 163: Portugal – Stamp Duty on Insurance Premium
Table 164: Portugal – Corporate Tax Rates for the Financial Year 2013
Table 165: Shares of Key Insurers in the Portuguese Non-Life Insurance Segment, 2012
Table 166: Companhia de Seguros Fidelidade Mundial SA – Key Facts
Table 167: Companhia de Seguros Fidelidade Mundial SA – Key Financials (EUR Million), 2007–2012
Table 168: Companhia de Seguros Tranquilidade SA – Key Facts
Table 169: Companhia de Seguros Tranquilidade SA – Key Financials (EUR Million), 2007–2012
Table 170: Axa Portugal Companhia de Seguros, SA – Key Facts
Table 171: Axa Portugal Companhia de Seguros, SA – Key Financials (EUR Million), 2007–2012
Table 172: Companhia de Seguros Allianz Portugal SA – Key Facts
Table 173: Companhia de Seguros Allianz Portugal SA – Key Financials (EUR Million), 2007–2012
Table 174: Liberty Seguros, SA – Key Facts
Table 175: Liberty Seguros, SA – Key Financials (EUR Million), 2007–2012
Table 176: Companhia de Seguros Açoreana, SA – Key Facts
Table 177: Companhia de Seguros Açoreana, SA – Key Financials (EUR Million), 2007–2012
Table 178: Lusitania, Companhia de Seguros SA – Key Facts
Table 179: Lusitania, Companhia de Seguros SA – Key Financials (EUR Million), 2007–2012
Table 180: Mapfre Seguros Gerais, SA – Key Facts
Table 181: Mapfre Seguros Gerais, SA – Key Financials (EUR Million), 2007–2012
Table 182: Generali – Companhia de Seguros, SpA – Key Facts
Table 183: Zurich Insurance Plc – Sucursal em Portugal – Key Facts

List of Figures
Figure 1: Peer Group (US$10–40 billion) Insurance Markets – Economies and Populations, 2011
Figure 2: Peer Group (US$10–40 billion) Insurance Markets – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Peer Group (US$10–40 billion) Insurance Markets – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Growth Trends (%), 2007–2016
Figure 5: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Gross Written Premiums (US$ Billion), 2011
Figure 6: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Premium Per Capita (%), 2007–2016
Figure 7: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Penetration (% of GDP), 2011 and 2016
Figure 8: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Gross Written Premium Growth (%), 2007–2016
Figure 9: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Gross Written Premium Per Capita Growth (%), 2007–2016
Figure 10: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Loss Ratios (%), 2011 and 2016
Figure 11: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Combined Ratios (%), 2011 and 2016
Figure 12: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Incurred Losses per Capita (US$), 2011 and 2016
Figure 13: Peer Group (US$10–40 Billion) Insurance Markets – Non-Life Insurance Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 14: Peer Group (US$10–40 Billion) Insurance Markets – Direct Marketing Share of Non-Life Insurance Gross Written Premium (%), 2007–2016
Figure 15: Peer Group (US$10–40 Billion) Insurance Markets – Insurance Brokers Share of Non-Life Insurance Gross Written Premium (%), 2007–2016
Figure 16: Peer Group (US$10–40 Billion) Insurance Markets – Bancassurance Share of Non-Life Insurance Gross Written Premium (%), 2007–2016
Figure 17: Peer Group (US$10–40 Billion) Insurance Markets – Agencies Share of Non-Life Insurance Gross Written Premium (%), 2007–2016
Figure 18: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2017
Figure 19: Portuguese Insurance – Dynamics by Segment (%), 2008–2017
Figure 20: Portuguese Non-Life Insurance – Written Premium by Category (EUR Billion), 2008–2017
Figure 21: Portuguese Non-Life Insurance – Written Premium by Category (Percentage Share), 2012 and 2017
Figure 22: Portuguese Non-Life Insurance – Dynamics by Category (%), 2008–2017
Figure 23: Portuguese Non-Life Insurance – Earned Premium (EUR Billion), 2008–2012
Figure 24: Portuguese Non-Life Insurance – Earned Premium (EUR Billion), 2012–2017
Figure 25: Portuguese Non-Life Insurance – Paid Claims by Category (EUR Billion), 2008–2017
Figure 26: Portuguese Non-Life Insurance – Incurred Loss by Category (EUR Billion), 2008–2017
Figure 27: Portuguese Non-Life Insurance – Loss Ratio (%), 2008–2012
Figure 28: Portuguese Non-Life Insurance – Loss Ratio (%), 2012–2017
Figure 29: Portuguese Non-Life Insurance – Commissions and Expenses (EUR Billion), 2008–2012
Figure 30: Portuguese Non-Life Insurance – Commissions and Expenses (EUR Billion), 2012–2017
Figure 31: Portuguese Non-Life Insurance – Combined Ratio (%), 2008–2012
Figure 32: Portuguese Non-Life Insurance – Combined Ratio (%), 2012–2017
Figure 33: Portuguese Non-Life Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Figure 34: Portuguese Non-Life Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Figure 35: Portuguese Non-Life Insurance – Total Assets (EUR Billion), 2008–2012
Figure 36: Portuguese Non-Life Insurance – Total Assets (EUR Billion), 2012–2017
Figure 37: Portuguese Non-Life Insurance – Retentions (EUR Billion), 2008–2012
Figure 38: Portuguese Non-Life Insurance – Retentions (EUR Billion), 2012–2017
Figure 39: Portuguese Non-Life Insurance – Investment Portfolio (EUR Billion), 2008–2012
Figure 40: Portuguese Non-Life Insurance – Penetration (%), 2008–2012
Figure 41: Portuguese Non-Life Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 42: Portuguese Non-Life Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 43: Portuguese Non-Life Insurance – Premium Per Capita (EUR), 2008–2012
Figure 44: Portuguese Property Insurance – Written Premium by Sub-Category (EUR Billion), 2008–2017
Figure 45: Portuguese Property Insurance – Dynamics by Sub-Category (%), 2008–2017
Figure 46: Portuguese Property Insurance – Loss Ratio (%), 2008–2012
Figure 47: Portuguese Property Insurance – Loss Ratio (%), 2012–2017
Figure 48: Portuguese Fire and Allied Perils Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 49: Portuguese Fire and Allied Perils Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 50: Portuguese Fire and Allied Perils Insurance – Written Premium (EUR Billion), 2008–2012
Figure 51: Portuguese Fire and Allied Perils Insurance – Written Premium (EUR Billion), 2012–2017
Figure 52: Portuguese Engineering Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 53: Portuguese Engineering Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 54: Portuguese Engineering Insurance – Written Premium (EUR Million), 2008–2012
Figure 55: Portuguese Engineering Insurance – Written Premium (EUR Million), 2012–2017
Figure 56: Portuguese Agriculture Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 57: Portuguese Agriculture Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 58: Portuguese Agriculture Insurance – Written Premium (EUR Million), 2008–2012
Figure 59: Portuguese Agriculture Insurance – Written Premium (EUR Million), 2012–2017
Figure 60: Portuguese Other Property Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 61: Portuguese Other Property Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 62: Portuguese Other Property Insurance – Written Premium (EUR Million), 2008–2012
Figure 63: Portuguese Other Property Insurance – Written Premium (EUR Million), 2012–2017
Figure 64: Portuguese Motor Insurance – Written Premium by Sub-Category (EUR Billion), 2008–2017
Figure 65: Portuguese Motor Insurance – Dynamics by Sub-Category, 2008–2017
Figure 66: Portuguese Motor Insurance – Loss Ratio (%), 2008–2012
Figure 67: Portuguese Motor Insurance – Loss Ratio (%), 2012–2017
Figure 68: Portuguese Motor Hull Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 69: Portuguese Motor Hull Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 70: Portuguese Motor Hull Insurance – Written Premium (EUR Billion), 2008–2012
Figure 71: Portuguese Motor Hull Insurance – Written Premium (EUR Billion), 2012–2017
Figure 72: Portuguese Motor Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 73: Portuguese Motor Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 74: Portuguese Motor Third-Party Insurance – Written Premium (EUR Billion), 2008–2012
Figure 75: Portuguese Motor Third-Party Insurance – Written Premium (EUR Billion), 2012–2017
Figure 76: Portuguese General Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 77: Portuguese General Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 78: Portuguese General Third-Party Insurance – Written Premium (EUR Million), 2008–2012
Figure 79: Portuguese General Third-Party Insurance – Written Premium (EUR Million), 2012–2017
Figure 80: Portuguese General Third-Party Insurance – Loss Ratio (%), 2008–2012
Figure 81: Portuguese General Third-Party Insurance – Loss Ratio (%), 2012–2017
Figure 82: Portuguese Marine, Aviation and Transit Insurance – Written Premium by Sub-Category (EUR Billion), 2008–2017
Figure 83: Portuguese Marine, Aviation and Transit Insurance – Dynamics by Sub-Category (%), 2008–2017
Figure 84: Portuguese Marine, Aviation and Transit Insurance – Loss Ratio (%), 2008–2012
Figure 85: Portuguese Marine, Aviation and Transit Insurance – Loss Ratio (%), 2012–2017
Figure 86: Portuguese Marine Insurance – Written Premium by Policy Type (EUR Billion), 2008–2017
Figure 87: Portuguese Marine Insurance – Dynamics by Policy Type (%), 2008–2017
Figure 88: Portuguese Marine Hull Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 89: Portuguese Marine Hull Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 90: Portuguese Marine Hull Insurance – Written Premium (EUR Million), 2008–2012
Figure 91: Portuguese Marine Hull Insurance – Written Premium (EUR Million), 2012–2017
Figure 92: Portuguese Marine Third-Party Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 93: Portuguese Marine Third-Party Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 94: Portuguese Marine Third-Party Insurance – Written Premium (EUR Million), 2008–2012
Figure 95: Portuguese Marine Third-Party Insurance – Written Premium (EUR Million), 2012–2017
Figure 96: Portuguese Aviation Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 97: Portuguese Aviation Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 98: Portuguese Aviation Insurance – Written Premium (EUR Million), 2008–2012
Figure 99: Portuguese Aviation Insurance – Written Premium (EUR Million), 2012–2017
Figure 100: Portuguese Transit Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 101: Portuguese Transit Insurance – Number of Policies Sold (Thousand), 20

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