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Synopsis
Timetric’s 'Non-Life Insurance in Switzerland, Key Trends and Opportunities to 2019' report provides a detailed outlook by product category for the Swiss non-life insurance segment, and a comparison of the Swiss 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 the Swiss economy and demographics, explains the various types of natural hazard and their impact on the Swiss 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 Switzerland, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Swiss non-life insurance segment, including:

- The Swiss non-life insurance segment’s detailed outlook by product category

- A comprehensive overview of the Swiss economy and demographics

- A comparison of the Swiss insurance industry with its regional counterparts

- The various distribution channels in the Swiss non-life insurance segment

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

- Details of the competitive landscape in the life insurance segment in Switzerland

- Details of regulatory policy applicable to the Swiss insurance industry

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

- It provides historical values for the Swiss 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 Swiss non-life insurance segment, and market forecasts to 2019.

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

- Understand the demand-side dynamics, key market trends and growth opportunities in the Swiss 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 Swiss insurance industry, and their impact on companies and the industry's future.

Key Highlights
- Non-life insurance was the second-largest segment of the Swiss insurance industry in 2014, accounting for 26.7% of the industry’s gross written premium.

- While telematics is less popular in Switzerland than in European countries, it is still likely to experience significant growth over the forecast period, which should benefit Swiss motor insurers’ profitability.

- Switzerland has a relatively mature non-life insurance segment, with a penetration rate broadly in line with those of Norway and Germany.

- The market for cyber-liability insurance is small in Switzerland.

- Brokers have performed especially well for foreign and large-scale commercial business.

- All companies that offer fire insurance must also include natural hazards insurance.

Table Of Contents

Non-Life Insurance in Switzerland, Key Trends and Opportunities to 2019
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Segment Outlook
4.1 Regional Comparison
4.1.1 Segment indicators
4.1.2 Gross written premium and penetration
4.1.3 Claims
4.1.4 Profitability
4.1.5 Assets and investments
5 Outlook by Product
5.1 Property Insurance
5.1.1 Product overview
5.1.2 Claims
5.1.3 Profitability
5.2 Motor Insurance
5.2.1 Product overview
5.2.2 Claims
5.2.3 Profitability
5.3 Liability Insurance
5.3.1 Product overview
5.3.2 Claims
5.3.3 Profitability
5.4 Marine, Aviation and Transit Insurance
5.4.1 Product overview
5.4.2 Claims
5.4.3 Profitability
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
6.1.1 Agents
6.1.2 Brokers
6.1.3 Bancassurance
6.1.4 Direct marketing and e-commerce
7 Natural Hazards
7.1 Flooding
7.2 Windstorms
7.3 Hailstorms
7.4 Earthquakes
7.5 Exposure
8 Competitive Landscape
8.1 Company Rankings
8.2 Comparison of the Top Five Insurers
8.2.1 Gross written premium
8.3 Company Profiles
8.3.1 Axa Versicherungen AG
8.3.2 Schweizerische Mobiliar Versicherungsgesellschaft AG
8.3.3 Zürich Versicherungs-Gesellschaft AG
8.3.4 Allianz Suisse Versicherungs-Gesellschaft AG
8.3.5 Basler Versicherung AG
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 Health insurance
9.4.2 Marine liability insurance
9.4.3 Motor third-party liability insurance
9.4.4 Accident insurance
9.4.5 Aviation liability insurance
9.5 Supervision and Control
9.5.1 International Association of Insurance Supervisors
9.5.2 Financial Market Supervisory Authority
9.5.3 Swiss Insurance Association
9.5.4 Federation of European Risk Management Associations (FERMA)
9.5.5 Swiss Association of Insurance and Risk Managers (SIRM)
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 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
11 Definitions and Methodology
11.1 Definitions
11.2 Methodology
12 About Timetric
12.1 Contact Timetric
12.2 About Timetric
12.3 Timetric's Services
12.4 Disclaimer


List of Tables
Table 1: Swiss Non-Life Insurance - Key Facts, 2014
Table 2: Swiss Non-Life Insurance - Segment Shares of the Top Insurers, 2013
Table 3: Swiss Government Credit Ratings
Table 4: Swiss Non-Life Insurance - Gross Written Premium (CHF Billion and US$ Billion), 2010-2014
Table 5: Swiss Non-Life Insurance - Penetration (%), 2010-2014
Table 6: Swiss Non-Life Insurance - Gross Written Premium (CHF Billion and US$ Billion), 2014-2019
Table 7: Swiss Non-Life Insurance - Penetration (%), 2014-2019
Table 8: Swiss Non-Life Insurance - Premium per Capita (CHF and US$), 2010-2014
Table 9: Swiss Non-Life Insurance - Premium per Capita (CHF and US$), 2014-2019
Table 10: Swiss Non-Life Insurance - Paid Claims (CHF Billion and US$ Billion), 2010-2014
Table 11: Swiss Non-Life Insurance - Paid Claims (CHF Billion and US$ Billion), 2014-2019
Table 12: Swiss Non-Life Insurance - Profitability Ratios (%), 2010-2014
Table 13: Swiss Non-Life Insurance - Profitability Ratios (%), 2014-2019
Table 14: Swiss Non-Life Insurance - Solvency Position, 2009-2012
Table 15: Swiss Non-Life Insurance - Total Assets (CHF Billion and US$ Billion), 2010-2014
Table 16: Swiss Non-Life Insurance - Total Assets (CHF Billion and US$ Billion), 2014-2019
Table 17: Swiss Non-Life Insurance - Total Investment Income (CHF Billion and US$ Billion), 2010-2014
Table 18: Swiss Non-Life Insurance - Total Investment Income (CHF Billion and US$ Billion), 2014-2019
Table 19: Swiss Non-Life Insurance - Investment Portfolio (CHF Billion), 2010-2014
Table 20: Swiss Non-Life Insurance - Investment Portfolio (CHF Billion), 2014-2019
Table 21: Swiss Non-Life Insurance - Direct Written Premium by Category (CHF Billion), 2010-2014
Table 22: Swiss Non-Life Insurance - Gross Written Premium by Category (CHF Billion), 2013-2018
Table 23: Swiss Property Insurance - Paid Claims (CHF Billion and US$ Billion), 2010-2014
Table 24: Swiss Property Insurance - Paid Claims (CHF Billion and US$ Billion), 2014-2019
Table 25: Swiss Property Insurance - Loss Ratio, 2010-2014
Table 26: Swiss Property Insurance - Loss Ratio, 2014-2019
Table 27: Swiss Motor Insurance - Paid Claims (CHF Billion and US$ Billion), 2010-2014
Table 28: Swiss Motor Insurance - (CHF Billion and US$ Billion), 2014-2019
Table 29: Swiss Motor Insurance - Loss Ratio (%), 2010-2014
Table 30: Swiss Motor Insurance - Loss Ratio (%), 2014-2019
Table 31: Swiss Liability Insurance - Paid Claims (CHF Billion and US$ Billion), 2010-2014
Table 32: Swiss Liability Insurance - Paid Claims (CHF Billion and US$ Billion), 2014-2019
Table 33: Swiss Liability Insurance - Loss Ratio (%), 2010-2014
Table 34: Swiss Liability Insurance - Loss Ratio (%), 2014-2019
Table 35: Swiss Transport Network - Global Rankings
Table 36: Swiss Marine, Aviation and Transit Insurance (CHF Million and US$ Million) - Paid Claims, 2010-2014
Table 37: Swiss Marine, Aviation and Transit Insurance - Paid Claims (CHF Million and US$ Million), 2014-2019
Table 38: Swiss Marine, Aviation and Transit Insurance - Loss Ratio (%), 2010-2014
Table 39: Swiss Marine, Aviation and Transit Insurance - Loss Ratio (%), 2014-2019
Table 40: Swiss Average Annual Loss by Hazard
Table 41: Switzerland - Cantonal Building Insurance Companies
Table 42: Swiss Non-Life Insurance - Segment Shares (%), 2013
Table 43: Swiss Motor Insurance - Category Shares (%), 2013
Table 44: Swiss Property Insurance - Category Shares (%), 2013
Table 45: Axa Versicherungen AG - Key Facts
Table 46: Axa VersicherungenAG - Key Financials (CHF Million), 2010-2013
Table 47: Schweizerische Mobiliar Versicherungsgesellschaft AG - Key Facts
Table 48: Schweizerische Mobiliar Versicherungsgesellschaft AG - Key Financials (CHF Million), 2010-2013
Table 49: Zürich Versicherungs-Gesellschaft AG - Key Facts
Table 50: Zürich Versicherungs-Gesellschaft AG - Key Financials (CHF Million), 2010-2013
Table 51: Allianz Suisse Versicherungs-Gesellschaft AG - Key Facts
Table 52: Allianz Suisse Versicherungs-Gesellschaft AG - Key Financials (CHF Million), 2010-2013
Table 53: Basler Versicherung AG - Key Facts
Table 54: Basler Versicherung AG - Key Financials (CHF Million), 2010-2013
Table 55: Switzerland - Insurance Regulatory Framework Key Features
Table 56: Switzerland - Life Insurance Regulatory Framework
Table 57: Switzerland - Property Insurance Regulatory Framework
Table 58: Switzerland - Motor Insurance Regulatory Framework
Table 59: Switzerland - Liability Insurance Regulatory Framework
Table 60: Switzerland - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 61: Switzerland - Corporate Taxes for the Financial Year 2015
Table 62: Swiss Insurance Industry - Policies and Premium, 2010-2014
Table 63: Swiss Insurance Industry, Policies and Premium, 2014-2019
Table 64: Swiss Non-Life Insurance - Policies and Premium, 2010-2014
Table 65: Swiss Non-Life Insurance - Policies and Premium, 2014-2019
Table 66: Swiss Non-Life Insurance - Property Insurance Policies and Premium, 2010-2014
Table 67: Swiss Non-Life Insurance - Property Insurance Policies and Premium, 2014-2019
Table 68: Swiss Non-Life Insurance - Motor Insurance Policies and Premium, 2010-2014
Table 69: Swiss Non-Life Insurance - Motor Insurance Policies and Premium, 2014-2019
Table 70: Swiss Non-Life Insurance - Liability Insurance Policies and Premium, 2010-2014
Table 71: Swiss Non-Life Insurance - Liability Insurance Policies and Premium, 2014-2019
Table 72: Swiss Non-Life Insurance - Marine, Aviation and Transit Insurance Policies and Premium, 2010-2014
Table 73: Swiss Non-Life Insurance - Marine, Aviation and Transit Insurance Policies and Premium, 2014-2019
Table 74: Swiss Non-Life Insurance - Direct Written Premium by Sub-Category (CHF Billion), 2010-2014
Table 75: Swiss Non-Life Insurance - Direct Written Premium by Sub-Category (CHF Billion), 2014-2019
Table 76: Swiss Non-Life Insurance - Penetration by Sub-Category (%), 2010-2014
Table 77: Swiss Non-Life Insurance - Penetration by Sub-Category (%), 2014-2019
Table 78: Insurance Industry Definitions


List of Figures
Figure 1: Swiss Real GDP, 2010-2019
Figure 2: CHF-US$ Exchange Rate, 2010-2019
Figure 3: Swiss Consumer Price Inflation, 2010-2019
Figure 4: Swiss Current Account Balance as Percentage of GDP (%), 2010-2019
Figure 5: Swiss Unemployment Rate, 2010-2019
Figure 6: Swiss Population by Age Group, 1991-2025
Figure 7: Swiss Non-Life Insurance Penetration - Regional Comparison (%), 2014
Figure 8: Swiss Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2014
Figure 9: Swiss Non-Life Insurance - Gross Written Premium (CHF Billion), 2010-2019
Figure 10: Swiss Non-Life Insurance - Penetration (%), 2010-2019
Figure 11: Swiss Non-Life Insurance - Premium per Capita (CHF), 2010-2019
Figure 12: Swiss Non-Life Insurance - Paid Claims (CHF Billion), 2010-2019
Figure 13: Swiss Non-Life Insurance - Profitability Ratios (%), 2010-2019
Figure 14: Swiss Non-Life Insurance - Total Assets (CHF Billion), 2010-2019
Figure 15: Swiss Non-Life Insurance - Total Investment Income (CHF Billion), 2010-2019
Figure 16: Swiss Non-Life Insurance - Investment Portfolio (CHF Billion), 2010-2019
Figure 17: Swiss Non-Life Insurance - Investment Portfolio Dynamics by Category, 2010-2019
Figure 18: Swiss Non-Life Insurance - Direct Written Premium by Category (CHF Billion), 2010-2019
Figure 19: Swiss Non-Life Insurance - Direct Written Premium Dynamics by Category, 2010-2019
Figure 20: Swiss Property Insurance - Construction Value Output by Category (CHF Billion), 2010-2019
Figure 21: Swiss Property Insurance - Paid Claims (CHF Billion), 2010-2019
Figure 22: Swiss Property Insurance - Earned Premium, Incurred Loss and Loss Ratio (CHF Billion and %), 2010-2019
Figure 23: Swiss Motor Insurance - New Road Vehicle Registration by Vehicle Type, 2014
Figure 24: Swiss Motor Insurance - Paid Claims (CHF Billion), 2010-2019
Figure 25: Swiss Motor Insurance- Earned Premium, Incurred Loss and Loss Ratio (CHF Billion and %), 2010-2019
Figure 26: Swiss Liability Insurance - Paid Claims (CHF Billion), 2010-2019
Figure 27: Swiss Liability Insurance - Earned Premium, Incurred Loss and Loss Ratio (CHF Billion and %), 2010-2019
Figure 28: Swiss Marine, Aviation and Transit Insurance - Paid Claims (CHF Million), 2010-2019
Figure 29: Swiss Marine, Aviation and Transit Insurance - Earned Premium, Incurred Loss and Loss Ratio (CHF Million and %), 2010-2019
Figure 30: Swiss Frequency of Hazards by Type, 1990-2014
Figure 31: Swiss Mortality of Hazards by Type, 1990-2014
Figure 32: Swiss Economic Issues Caused by Hazards by Type, 1990-2014
Figure 33: Seismic Hazard Model in Switzerland, 2015
Figure 34: Swiss Non-Life Insurance - Segment Shares (%), 2013
Figure 35: Non-Life Gross Written Premium Growth of Top Insurers Relative to the Segment Overall, 2010-2013
Figure 36: Switzerland - Insurance Supervision and Control at Various Levels
Figure 37: Switzerland - Insurance Regulatory Frameworks for Company Registration and Operation

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