Non-Life Insurance in France, Key Trends and Opportunities to 2020

  • ID: 4369389
  • Report
  • Region: France
  • 150 pages
  • GlobalData
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FEATURED COMPANIES

  • Allianz France
  • Axa
  • BNP Paribas Cardif
  • Covéa (MAAF, MMA, GMF)
  • Crédit Mutuel
  • GENERALI France
  • MORE
The 'Non-Life Insurance in France, Key Trends and Opportunities to 2020' 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 (2011-2015) and forecast period (2015-2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the 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 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:

The 'Non-Life Insurance in France, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the French non-life insurance segment, including:
  • The French non-life insurance segment’s detailed outlook by product category
  • A comprehensive overview of the French economy and demographics
  • A comparison of the French insurance industry with its regional counterparts
  • The various distribution channels in the French non-life insurance segment
  • 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 the 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 2011-2015 review period, and projected figures for the 2015-2020 forecast period.
  • It offers a detailed analysis of the key categories in the French non-life insurance segment, and market forecasts to 2020.
  • 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:
  • Solvency ll was implemented with effect from January 2016, and is expected to consolidate the segment.
  • The Insurance Code, which governs insurance activity in France, was last updated in January 2016.
  • In July 2016, the French Federation of Insurance Companies (FFSA) and the Pool of Mutual Insurance Companies (GEMA) merged to form the French Federation of Insurance (FFA).
  • The Insurance Distribution Directive (IDD), which is a framework for regulating European Union (EU) insurance intermediaries, will be effective from February 2018.
  • In March 2017, Axa introduced Axa Global Parametric insurance, which covers risks and business that are exposed to weather such as crop losses caused by a catastrophic event.
  • Effective November 2016, French law affirmed mandatory liability for clinical trials along with liability for medical equipment manufacturers.
  • Rapid growth of telematics-based motor and cyberinsurance is expected.
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Note: Product cover images may vary from those shown
2 of 4

FEATURED COMPANIES

  • Allianz France
  • Axa
  • BNP Paribas Cardif
  • Covéa (MAAF, MMA, GMF)
  • Crédit Mutuel
  • GENERALI France
  • MORE
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
7 Natural and Man-made Hazards
7.1 Flooding
7.2 Droughts
7.3 Earthquakes
7.4 Cyclones and Storms
7.5 Others
7.6 Man-Made Disasters
7.7 Exposure
8 Competitive Landscape
8.1 Company Profiles
8.1.1 Covéa Mutual Insurance Group - company overview
8.1.2 Groupama SA - company overview
8.1.3 Sferen (Macif, Maif and Matmut) - company overview
8.1.4 Allianz France SA - company overview
8.1.5 Axa France Assurance - company overview
9 Governance, Risk and Compliance
9.1 Legislation Overview and Historical Evolution
9.2 Latest Changes in Regulation
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
9.4.5 Liability insurance for health professionals
9.4.6 Clinical trials liability insurance
9.4.7 Liability insurance for construction contractors (decennial liability insurance)
9.5 Supervision and Control
9.5.1 International Association of Insurance Supervisors
9.5.2 European Insurance and Occupational Pensions Authority
9.5.3 Autorité de Contrôle Prudentiel
9.5.4 Autorité des Marchés Financiers
9.5.5 Federation of European Risk Management Associations
9.6 Non-Admitted Insurance Regulations
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 Type 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 margin
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
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
12.1 Contact
12.2 About
12.3 Services
12.4 Disclaimer

List of Tables
Table 1: French Non-Life Insurance - Key Facts, 2015
Table 2: French Non-Life Insurance - Leading Insurers, 2015
Table 3: French Government Credit Ratings
Table 4: French Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2011-2015
Table 5: French Non-Life Insurance - Penetration (%), 2011-2015
Table 6: French Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2015-2020
Table 7: French Non-Life Insurance - Penetration (%), 2015-2020
Table 8: French Non-Life Insurance - Premium per Capita (EUR and US$), 2011-2015
Table 9: French Non-Life Insurance - Premium per Capita (EUR and US$), 2015-2020
Table 10: French Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 11: French Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 12: French Non-Life Insurance - Profitability Ratio (%), 2011-2015
Table 13: French Non-Life Insurance - Profitability Ratio (%), 2015-2020
Table 14: French Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2011-2015
Table 15: French Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2015-2020
Table 16: French Non-Life Insurance - Total Investment Income (EUR Billion and US$ Billion), 2011-2015
Table 17: French Non-Life Insurance - Total Investment Income (EUR Billion and US$ Billion), 2015-2020
Table 18: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2011-2015
Table 19: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2015-2020
Table 20: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2015
Table 21: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2015-2020
Table 22: French Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 23: French Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 24: French Property Insurance - Loss Ratio (%), 2011-2015
Table 25: French Property Insurance - Loss Ratio (%), 2015-2020
Table 26: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2015
Table 27: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2015-2020
Table 28: French Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 29: French Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 30: French Motor Insurance - Loss Ratio (%), 2011-2015
Table 31: French Motor Insurance - Loss Ratio (%), 2015-2020
Table 32: French Liability Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2015
Table 33: French Liability Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2015-2020
Table 34: French Liability Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 35: French Liability Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 36: French Liability Insurance - Loss Ratio (%), 2011-2015
Table 37: French Liability Insurance - Loss Ratio (%), 2015-2020
Table 38: French Transport Network - Global Rankings 2016
Table 39: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2011-2015
Table 40: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2015-2020
Table 41: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Million and US$ Million), 2011-2015
Table 42: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Million and US$ Million), 2015-2020
Table 43: French Marine, Aviation and Transit Insurance - Loss Ratio (%), 2011-2015
Table 44: French Marine, Aviation and Transit Insurance - Loss Ratio (%), 2015-2020
Table 45: French Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2011-2015
Table 46: French Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2015-2020
Table 47: French Non-Life Insurance - Percentage of Direct Written Premium Ceded, by Distribution Channel, 2011-2020
Table 48: French Average Annual Loss by Hazard, 1990-2014
Table 49: French Non-Life Segment - Leading Insurers, 2015
Table 50: Covéa Mutual Insurance Group - Key Facts
Table 51: Covéa Mutual Insurance Group - Key Financials (EUR Million), 2011-2015
Table 52: Groupama SA - Key Facts
Table 53: Groupama SA - Key Financials (EUR Million), 2011-2015
Table 54: Sferen - Key Facts
Table 55: Sferen - Key Financials (EUR Million), 2011-2015
Table 56: Allianz France SA - Key Facts
Table 57: Allianz France SA - Key Financials (EUR Million), 2011-2015
Table 58: Axa France Assurance - Key Facts
Table 59: Axa France Assurance - Key Financials (EUR Million), 2011-2015
Table 60: France- Insurance Regulatory Framework Key Features
Table 61: France-Life Insurance Regulatory Framework
Table 62: France-Property Insurance Regulatory Framework
Table 63: France-Motor Insurance Regulatory Framework
Table 64: France-Liability Insurance Regulatory Framework
Table 65: France-Minimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 66: France-Motor Insurance Regulatory Framework
Table 67: France-Corporate Tax Rates for the Financial Year 2017
Table 68: French Insurance Industry - Policies and Premium, 2011-2015
Table 69: French Insurance Industry - Policies and Premium, 2015-2020
Table 70: French Non-Life Insurance - Claims and Expenses, 2011-2015
Table 71: French Non-Life Insurance - Claims and Expenses, 2015-2020
Table 72: French Non-Life Insurance - Assets and Investments, 2011-2015
Table 73: French Non-Life Insurance - Assets and Investments, 2015-2020
Table 74: French Non-Life Insurance - Direct Marketing and E-Commerce, 2011-2015
Table 75: French Non-Life Insurance - Direct Marketing and E-Commerce, 2015-2020
Table 76: French Non-Life Insurance - Insurance Brokers and Agencies, 2011-2015
Table 77: French Non-Life Insurance - Insurance Brokers and Agencies, 2015-2020
Table 78: French Non-Life Insurance - Bancassurance and Other Distribution Channels, 2011-2015
Table 79: French Non-Life Insurance - Bancassurance and Other Distribution Channels, 2015-2020
Table 80: French Non-Life Insurance - Property Insurance, 2011-2015
Table 81: French Non-Life Insurance - Property Insurance, 2015-2020
Table 82: French Non-Life Insurance - Property Insurance by Product, 2011-2015
Table 83: French Non-Life Insurance - Property Insurance by Product, 2015-2020
Table 84: French Non-Life Insurance - Motor Insurance, 2011-2015
Table 85: French Non-Life Insurance - Motor Insurance, 2015-2020
Table 86: French Non-Life Insurance - Motor Insurance by Product, 2011-2015
Table 87: French Non-Life Insurance - Motor Insurance by Product, 2015-2020
Table 88: French Non-Life Insurance - Liability Insurance, 2011-2015
Table 89: French Non-Life Insurance - Liability Insurance, 2015-2020
Table 90: French Non-Life Insurance - Marine, Aviation and Transit Insurance, 2011-2015
Table 91: French Non-Life Insurance - Marine, Aviation and Transit Insurance, 2015-2020
Table 92: Insurance Industry Definitions

List of Figures
Figure 1: French Economic Transition, by GDP components (% of GDP), 1990-2015
Figure 2: French Real GDP (EUR Trillion), 2011-2020
Figure 3: French Consumer Price Inflation (%), 2011-2020
Figure 4: French Current Account Balance as Percentage of GDP (%), 2011-2020
Figure 5: French Unemployment Rate, 2011-2020
Figure 6: French Population by Age Group, 1990-2025
Figure 7: French Non-Life Insurance Penetration - Regional Comparison (%), 2015
Figure 8: French Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2015
Figure 9: French Non-Life Insurance - Gross Written Premium (EUR Billion), 2011-2020
Figure 10: French Non-Life Insurance - Penetration (%), 2011-2020
Figure 11: French Non-Life Insurance - Premium per Capita (EUR), 2011-2020
Figure 12: French Non-Life Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 13: French Non-Life Insurance - Profitability Ratio (%), 2011-2020
Figure 14: French Non-Life Insurance - Total Assets (EUR Billion), 2011-2020
Figure 15: French Non-Life Insurance - Total Investment Income (EUR Billion), 2011-2020
Figure 16: French Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2011-2020
Figure 17: French Non-Life Insurance - Direct Written Premium Dynamics by Category, 2011-2020
Figure 18: French Property Insurance - Construction Value Output by Category (EUR Billion), 2011-2020
Figure 19: French Property Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2020
Figure 20: French Property Insurance - Direct Written Premium Dynamics by Sub-Category, 2011-2020
Figure 21: French Property Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 22: French Property Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 23: French New Vehicle registration, 2011-2016
Figure 24: French Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2020
Figure 25: French Motor Insurance - Direct Written Premium Dynamics by Sub-Category, 2011-2020
Figure 26: French Motor Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 27: French Motor Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 28: French Liability Insurance - Direct Written Premium (EUR Billion), 2011-2020
Figure 29: French Liability Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 30: French Liability Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 31: French Imports and Exports of Goods (EUR Billion), 2011-2015
Figure 32: French Marine, Aviation and Transit Insurance - Direct Written Premium (EUR Billion), 2011-2020
Figure 33: French Marine, Aviation and Transit Insurance - Paid Claims (EUR Million), 2011-2020
Figure 34: French Marine, Aviation and Transit Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Million and %), 2011-2020
Figure 35: French Non-Life Insurance - Direct Written Premium by Distribution Channel (%), 2011, 2015 and 2020
Figure 36: France - Frequency of Hazards by Type, 1990-2014
Figure 37: French Mortality by Hazards Type, 1990-2014
Figure 38: French Economic Loss by Hazards Type, 1990-2014
Figure 39: France - The Three Pillars of Solvency II
Figure 40: France- Insurance Supervision and Control at Various Levels
Figure 41: France- Insurance Regulatory Frameworks for Company Registration and Operation
Note: Product cover images may vary from those shown
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  • Covéa (MAAF, MMA, GMF)
  • GROUPAMA
  • SFEREN
  • Allianz France
  • Axa
  • GENERALI France
  • Crédit Mutuel
  • Groupe Crédit Agricole Assurance
  • BNP Paribas Cardif
Note: Product cover images may vary from those shown
5 of 4
Note: Product cover images may vary from those shown
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