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

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

- A comprehensive overview of the Dutch economy and demographics

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

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

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

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

- Details of regulatory policy applicable to the Dutch insurance industry

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

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

- 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 Dutch non-life insurance segment, and each category within it.

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

Key Highlights
- The non-life segment accounted for 14.9% of the industry’s direct written premium in 2014.

- Property insurance was the largest category in the segment in terms of gross written premium during the review period.

- On September 4, 2014, the European Court of Justice (ECJ) delivered a judgment requiring all EU member states to extend the scope of the motor third-party liability insurance to accidents on private property.

- In June 2015, the European Council concluded the drafting of EU data protection reforms, which are expected to be implemented by the end of 2015.

- Agencies were the most popular distribution channel during the review period. The primary reason for the strong preference for agencies is their geographical reach, making them an efficient distribution channel.

- The non-life segment is dominated by domestic insurers, which typically generate higher premiums than foreign insurers.

Table Of Contents

Non-Life Insurance in the Netherlands, 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
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Policies sold
4.2.3 Claims
4.2.4 Profitability
4.2.5 Assets and investments
5 Outlook by Category
5.1 Property Insurance
5.1.1 Product overview
5.1.2 Premium
5.1.3 Policies
5.1.4 Claims
5.1.5 Profitability
5.2 Motor Insurance
5.2.1 Product overview
5.2.2 Premium
5.2.3 Policies
5.2.4 Claims
5.2.5 Profitability
5.3 Liability Insurance
5.3.1 Product overview
5.3.2 Premium
5.3.3 Policies
5.3.4 Claims
5.3.5 Profitability
5.4 Marine, Aviation and Transit Insurance
5.4.1 Product overview
5.4.2 Premium
5.4.3 Policies
5.4.4 Claims
5.4.5 Profitability
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
7 Natural Hazards
7.1 Storms
7.2 Floods
7.3 Exposure
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Dutch Non-Life Insurance Segment
8.2.1 Achmea Schadeverzekeringen NV - company overview
8.2.2 Delta Lloyd Schadeverzekering NV - company overview
8.2.3 Atradius Credit Insurance NV - company overview
8.2.4 ASR Schadeverzekering NV - company overview
8.2.5 Nationale-Nederlanden Schadeverzekering Maatschappij NV - company overview
8.2.6 Reaal Schadeverzekeringen NV - company overview
8.2.7 Amlin Europe NV - company overview
8.2.8 Aegon Schadeverzekering NV - company overview
8.2.9 Allianz Nederland Schadeverzekering NV - company overview
8.2.10 Unive Schadeverzekering NV - 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 Marine insurance
9.4.2 Aviation liability insurance
9.4.3 Motor third-party liability insurance
9.4.4 Health insurance
9.4.5 Social insurance system
9.4.6 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 (EIOPA)
9.5.3 The Authority for the Financial Markets (AFM)
9.5.4 Dutch Central Bank (DNB)
9.5.5 Dutch Association of Insurers (Verbond van Verzekeraars)
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
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: Dutch Non-Life Insurance - Key Facts, 2014
Table 2: Dutch Non-Life Insurance - Segment Shares of the Top Insurers, 2013
Table 3: Dutch Government Credit Ratings
Table 4: Dutch Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2010-2014
Table 5: Dutch Non-Life Insurance - Penetration (%), 2010-2014
Table 6: Dutch Non-Life Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2014-2019
Table 7: Dutch Non-Life Insurance - Penetration (%), 2014-2019
Table 8: Dutch Non-Life Insurance - Premium per Capita (EUR and US$), 2010-2014
Table 9: Dutch Non-Life Insurance - Premium per Capita (EUR and US$), 2014-2019
Table 10: Dutch Non-Life Insurance - Number of Policies Sold (Million), 2010-2014
Table 11: Dutch Non-Life Insurance - Number of Policies Sold (Million), 2014-2019
Table 12: Dutch Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 13: Dutch Non-Life Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 14: Dutch Non-Life Insurance - Profitability Ratio (%), 2010-2014
Table 15: Dutch Non-Life Insurance - Profitability Ratio (%), 2014-2019
Table 16: Dutch Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2010-2014
Table 17: Dutch Non-Life Insurance - Total Assets (EUR Billion and US$ Billion), 2014-2019
Table 18: Dutch Non-Life Insurance - Total Investment Income (EUR Million and US$ Million), 2010-2014
Table 19: Dutch Non-Life Insurance - Total Investment Income (EUR Million and US$ Million), 2014-2019
Table 20: Dutch Non-Life Insurance - Investment Portfolio (EUR Billion), 2010-2014
Table 21: Dutch Non-Life Insurance - Investment Portfolio (EUR Billion), 2014-2019
Table 22: Dutch Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2010-2014
Table 23: Dutch Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2014-2019
Table 24: Dutch Property Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2010-2014
Table 25: Dutch Property Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2014-2019
Table 26: Dutch Property Insurance - Number of Policies Sold by Sub-Category (Million), 2010-2014
Table 27: Dutch Property Insurance - Number of Policies Sold by Sub-Category (Million), 2014-2019
Table 28: Dutch Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 29: Dutch Property Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 30: Dutch Property Insurance - Loss Ratio (%), 2010-2014
Table 31: Dutch Property Insurance - Loss Ratio (%), 2014-2019
Table 32: Dutch Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2010-2014
Table 33: Dutch Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2014-2019
Table 34: Dutch Motor Insurance - Number of Policies Sold by Sub-Category (Million), 2010-2014
Table 35: Dutch Motor Insurance - Number of Policies Sold by Sub-Category (Million), 2014-2019
Table 36: Dutch Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2010-2014
Table 37: Dutch Motor Insurance - Paid Claims (EUR Billion and US$ Billion), 2014-2019
Table 38: Dutch Motor Insurance - Loss Ratio (%), 2010-2014
Table 39: Dutch Motor Insurance - Loss Ratio (%), 2014-2019
Table 40: Dutch Liability Insurance - Gross Written Premium (EUR Billion), 2010-2014
Table 41: Dutch Liability Insurance - Gross Written Premium (EUR Billion), 2014-2019
Table 42: Dutch Liability Insurance - Number of Policies Sold (Million), 2010-2014
Table 43: Dutch Liability Insurance - Number of Policies Sold (Million), 2014-2019
Table 44: Dutch Liability Insurance - Paid Claims (EUR Million and US$ Million), 2010-2014
Table 45: Dutch Liability Insurance - Paid Claims (EUR Million and US$ Million), 2014-2019
Table 46: Dutch Liability Insurance - Loss Ratio (%), 2010-2014
Table 47: Dutch Liability Insurance - Loss Ratio (%), 2014-2019
Table 48: Dutch Transport Network - Global Rankings
Table 49: Dutch Marine, Aviation and Transit Insurance - Gross Written Premium (EUR Million), 2010-2014
Table 50: Dutch Marine, Aviation and Transit Insurance - Gross Written Premium (EUR Million), 2014-2019
Table 51: Dutch Marine, Aviation and Transit Insurance - Number of Policies Sold (Million), 2010-2014
Table 52: Dutch Marine, Aviation and Transit Insurance - Number of Policies Sold (Million), 2014-2019
Table 53: Dutch Marine, Aviation and Transit Insurance - Paid Claims (EUR Million and US$ Million), 2010-2014
Table 54: Dutch Marine, Aviation and Transit Insurance - Paid Claims (EUR Million and US$ Million), 2014-2019
Table 55: Dutch Marine, Aviation and Transit Insurance - Loss Ratio (%), 2010-2014
Table 56: Dutch Marine, Aviation and Transit Insurance - Loss Ratio (%), 2014-2019
Table 57: Dutch Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2010-2014
Table 58: Dutch Non-Life Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2014-2019
Table 59: Dutch Non-Life Insurance - Percentage of Direct Written Premium Ceded, by Distribution Channel, 2010-2019
Table 60: Dutch Economic Loss by Hazard (US$ Million), 1990-2014
Table 61: Dutch Average Annual Loss by Hazard (US$ Million), 1990-2014
Table 62: Shares of Key Insurers in the Dutch Non-Life Insurance Segment (%), 2013
Table 63: Achmea Schadeverzekeringen NV - Key Facts
Table 64: Achmea Schadeverzekeringen NV - Key Financials (EUR Million), 2009-2013
Table 65: Delta Lloyd Schadeverzekering NV - Key Facts
Table 66: Delta Lloyd Schadeverzekering NV - Key Financials (EUR Million), 2009-2013
Table 67: Atradius Credit Insurance NV - Key Facts
Table 68: Atradius Credit Insurance NV - Key Financials (EUR Million), 2009-2012
Table 69: ASR Schadeverzekering NV - Key Facts
Table 70: ASR Schadeverzekering NV - Key Financials (EUR Million), 2009-2012
Table 71: Nationale-Nederlanden Schadeverzekering Maatschappij NV - Key Facts
Table 72: Nationale-Nederlanden Schadeverzekering Maatschappij NV - Key Financials (EUR Million), 2009-2013
Table 73: Reaal Schadeverzekeringen NV - Key Facts
Table 74: Amlin Europe NV - Key Facts
Table 75: Aegon Schadeverzekering NV - Key Facts
Table 76: Allianz Nederland Schadeverzekering NV - Key Facts
Table 77: Unive Schadeverzekering NV - Key Facts
Table 78: Unive Schadeverzekering NV - Key Financials (EUR Million), 2009-2013
Table 79: The Netherlands - Insurance Regulatory Framework Key Features
Table 80: The Netherlands - Life Insurance Regulatory Framework
Table 81: The Netherlands - Property Insurance Regulatory Framework
Table 82: The Netherlands - Motor Insurance Regulatory Framework
Table 83: The Netherlands - Liability Insurance Regulatory Framework
Table 84: The Netherlands - Minimum Coverage for Aircraft Third-Party Liability per Accident per Aircraft
Table 85: The Netherlands - Corporate Tax Rate for the Financial Year 2015
Table 86: Dutch Insurance Industry - Policies and Premium, 2010-2014
Table 87: Dutch Insurance Industry - Policies and Premium, 2014-2019
Table 88: Dutch Non-Life Insurance - Policies and Premium, 2010-2014
Table 89: Dutch Non-Life Insurance - Policies and Premium, 2014-2019
Table 90: Dutch Non-Life Insurance - Property Insurance Policies and Premium, 2010-2014
Table 91: Dutch Non-Life Insurance - Property Insurance Policies and Premium, 2014-2019
Table 92: Dutch Non-Life Insurance - Motor Insurance Policies and Premium, 2010-2014
Table 93: Dutch Non-Life Insurance - Motor Insurance Policies and Premium, 2014-2019
Table 94: Dutch Non-Life Insurance - Liability Insurance Policies and Premium, 2010-2014
Table 95: Dutch Non-Life Insurance - Liability Insurance Policies and Premium, 2014-2019
Table 96: Dutch Non-Life Insurance - Marine, Aviation and Transit Insurance Policies and Premium, 2010-2014
Table 97: Dutch Non-Life Insurance - Marine, Aviation and Transit Insurance Policies and Premium, 2014-2019
Table 98: Dutch Non-Life Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2010-2014
Table 99: Dutch Non-Life Insurance - Gross Written Premium by Sub-Category (EUR), 2014-2019
Table 100: Dutch Non-Life Insurance - Direct Written Premium by Sub-Category (EUR), 2010-2014
Table 101: Dutch Non-Life Insurance - Direct Written Premium by Sub-Category (EUR), 2014-2019
Table 102: Dutch Non-Life Insurance - Penetration by Sub-Category (%), 2010-2014
Table 103: Dutch Non-Life Insurance - Penetration by Sub-Category (%), 2014-2019
Table 104: Dutch Non-Life Insurance - Number of Active Policies by Sub-Category (Thousand), 2010-2014
Table 105: Dutch Non-Life Insurance - Number of Active Policies by Sub-Category (Thousand), 2014-2019
Table 106: Insurance Industry Definitions

List of Figures
Figure 1: Dutch Real GDP (EUR Billion), 2010-2019
Figure 2: EUR-US$ Exchange Rate, 2010-2019
Figure 3: Dutch Consumer Price Inflation, 2010-2019
Figure 4: Dutch Current Account Balance as Percentage of GDP (%), 2010-2019
Figure 5: Dutch Unemployment Rate, 2010-2019
Figure 6: Dutch Population by Age Group (%), 1995-2025
Figure 7: Dutch Non-Life Insurance Penetration - Regional Comparison (%), 2014
Figure 8: Dutch Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2014
Figure 9: Dutch Non-Life Insurance - Gross Written Premium (EUR Billion), 2010-2019
Figure 10: Dutch Non-Life Insurance - Penetration (%), 2010-2019
Figure 11: Dutch Non-Life Insurance - Premium per Capita (EUR), 2010-2019
Figure 12: Dutch Non-Life Insurance - Number of Policies Sold (Million), 2010-2019
Figure 13: Dutch Non-Life Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 14: Dutch Non-Life Insurance - Profitability Ratio (%), 2010-2019
Figure 15: Dutch Non-Life Insurance - Total Assets (EUR Billion), 2010-2019
Figure 16: Dutch Non-Life Insurance - Total Investment Income (EUR Million), 2010-2019
Figure 17: Dutch Non-Life Insurance - Investment Portfolio (EUR Billion), 2010-2019
Figure 18: Dutch Non-Life Insurance - Investment Portfolio Dynamics by Category, 2010-2019
Figure 19: Dutch Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2010-2019
Figure 20: Dutch Non-Life Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 21: Dutch Property Insurance - Construction Value Output by Category (EUR Billion), 2010-2014
Figure 22: Dutch Property Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2010-2019
Figure 23: Dutch Property Insurance - Gross Written Premium Dynamics by Sub-Category, 2010-2019
Figure 24: Dutch Property Insurance - Number of Policies Sold by Sub-Category (Million), 2010-2019
Figure 25: Dutch Property Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 26: Dutch Property Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2010-2019
Figure 27: Dutch Motor Insurance - Total Vehicle Registrations, 2010-2014
Figure 28: Dutch Motor Insurance - Total Registrations By Vehicle Type, 2014
Figure 29: Dutch Motor Insurance - Road Traffic Accident Deaths (Thousand), 2010-2014
Figure 30: Dutch Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2010-2019
Figure 31: Dutch Motor Insurance - Gross Written Premium Dynamics by Sub-Category, 2010-2019
Figure 32: Dutch Motor Insurance - Number of Policies Sold by Sub-Category (Million), 2010-2019
Figure 33: Dutch Motor Insurance - Paid Claims (EUR Billion), 2010-2019
Figure 34: Dutch Motor Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and Percentage), 2010-2019
Figure 35: Dutch Liability Insurance - Gross Written Premium (EUR Billion), 2010-2019
Figure 36: Dutch Liability Insurance - Number of Policies Sold (Million), 2010-2019
Figure 37: Dutch Liability Insurance - Paid Claims (EUR Million), 2010-2019
Figure 38: Dutch Liability Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and Percentage), 2010-2019
Figure 39 : Dutch Marine, Aviation and Transit Insurance - Exports and Imports (EUR Billion), 2010-2014
Figure 40: Dutch Marine, Aviation and Transit Insurance - Total Number of Passengers, 2010-2014
Figure 41: Dutch Marine, Aviation and Transit Insurance - Gross Written Premium (EUR Million), 2010-2019
Figure 42: Dutch Marine, Aviation and Transit Insurance - Number of Policies Sold (Million), 2010-2019
Figure 43: Dutch Marine, Aviation and Transit Insurance - Paid Claims (EUR Million), 2010-2019
Figure 44: Dutch Marine, Aviation and Transit Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Million and %), 2010-2019
Figure 45: Dutch Frequency of Hazards by Type, 1990-2014
Figure 46: Dutch Mortality by Hazards Type, 1990-2014
Figure 47: Dutch Economic Losses Caused by Hazards by Type, 1990-2014
Figure 48: Shares of Key Insurers in the Dutch Non-Life Insurance Segment (%), 2013
Figure 49: The Netherlands - The Three Pillars of Solvency II
Figure 50: The Netherlands - Insurance Supervision and Control at Various Levels
Figure 51: The Netherlands - Insurance Regulatory Frameworks for Company Registration and Operation

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