Motorrijtuigverzekering in Nederland 2012-2013
As at 31st December 2013, there are 9.610 millions motor vehicles(excluding moped/bromfietsen) in Nederlands; which made up of 7.932 millions passenger cars, 654,000 motorcycles and 1.024 millions corporate motor vehicles.
In 2013, there are 36 motor insurance companies, similar to 2012.
The total gross premiums(bruto premies) for motorrijtuigverzekering(motor vehicle insurance) in 2013 is €4,375 millions, a decrease of €124 millions or 2.76% compares to €4,499 millions in 2012.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigverzekering in 2013 is €4,251 millions, a decrease of €79 millions or 1.82% compares to €4,330 millions in 2012.
The total gross claims paid(bruto betaalde schade) for motorrijtuigverzekering in 2013 is €3,248 millions, a decrease of €72 millions or 2.17% compares to €3,320 millions 2012.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigverzekering in 2013 is €3,068 millions, a decrease of €17 millions or 0.55% compares to €3,085 millions in 2012.
Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco
The motorrijtuigverzekering can be further divided into two types, Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco(motor vehicle liability and motor vehicle insurance on bodywork).
The total gross premiums(bruto premies) for motorrijtuigen aansprakelijkheid(motor vehicle liability) in 2013 is €2,287 millions, a decrease of €42 millions or 1.80% compares to €2,329 millions in 2012.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen aansprakelijkheid in 2013 is €2,222 millions, a decrease of €39 millions or 1.72% compares to €2,261 millions in 2012.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen aansprakelijkheid in 2013 is €1,869 millions, a decrease of €5 millions or 0.27% compares to €1,874 millions 2012.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen aansprakelijkheid in 2013 is €1,771 millions, an increase of €95 millions or 5.67% compares to €1,676 millions in 2012.
The total gross premiums(bruto premies) for motorrijtuigen casco(motor vehicle liability and motor vehicle insurance on bodywork) in 2013 is €2,088 millions, a decrease of €82 millions or 3.78% compares to €2,170 millions in 2012.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen casco in 2013 is €2,029 millions, a decrease of €42 millions or 2.03% compares to €2,071 millions in 2012.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen casco in 2013 is €1,378 millions, a decrease of €68 millions or 4.70% compares to €1,446 millions 2012.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen casco in 2013 is €1,297 millions, a decrease of €112 millions or 7.95% compares to €1,409 millions in 2012.
This shows decrease in the claims paid for motorrijtuigen casco is inline with the decrease in premiums collected in 2013.
Motorrijtuigverzekering in Nederland 2011-2012
As at 31st December 2012, there are 9.612 millions motor vehicles(excluding moped/bromfietsen) in Nederlands; which made up of 7.916 millions passenger cars, 653,000 motorcycles and 1.043 millions corporate motor vehicles.
In 2012, there are 36 motor insurance companies compares to 38 in 2011.
The total gross premiums(bruto premies) for motorrijtuigverzekering(motor vehicle insurance) in 2012 is €4,499 millions, a decrease of €88 millions or 1.92% compares to €4,587 millions in 2011.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigverzekering in 2012 is €4,330 millions, a decrease of €18 millions or 0.41% compares to €4,348 millions in 2011.
The total gross claims paid(bruto betaalde schade) for motorrijtuigverzekering in 2012 is €3,320 millions, a decrease of €76 millions or 2.24% compares to €3,396 millions 2011.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigverzekering in 2012 is €3,085 millions, an increase of €38 millions or 1.25% compares to €3,047 millions in 2011.
Average premium for car insurance in Nederland in 2012 is €382(compares to €400 in 2011). Whereas average premium for motorcycle insurance in Nederland in 2012 is €106(compares to €111 in 2011).
Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco
The motorrijtuigverzekering can be further divided into two types, Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco(motor vehicle liability and motor vehicle insurance on bodywork).
The total gross premiums(bruto premies) for motorrijtuigen aansprakelijkheid(motor vehicle liability) in 2012 is €2,329 millions, a decrease of €44 millions or 1.85% compares to €2,373 millions in 2011.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen aansprakelijkheid in 2012 is €2,261 millions, an increase of €7 millions or 0.31% compares to €2,254 millions in 2011.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen aansprakelijkheid in 2012 is €1,874 millions, a decrease of €9 millions or 0.48% compares to €1,883 millions 2011.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen aansprakelijkheid in 2012 is €1,676 millions, an increase of €77 millions or 4.82% compares to €1,599 millions in 2011.
The total gross premiums(bruto premies) for motorrijtuigen casco(motor vehicle liability and motor vehicle insurance on bodywork) in 2012 is €2,170 millions, a decrease of €44 millions or 1.99% compares to €2,214 millions in 2011.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen casco in 2012 is €2,071 millions, a decrease of €22 millions or 1.05% compares to €2,093 millions in 2011.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen casco in 2012 is €1,446 millions, a decrease of €67 millions or 4.43% compares to €1,513 millions 2011.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen casco in 2012 is €1,409 millions, a decrease of €39 millions or 2.69% compares to €1,448 millions in 2011.
This shows decrease in the claims paid for motorrijtuigen casco is inline with the decrease in premiums collected in 2012.
Motorrijtuigverzekering in Nederland 2010-2011
As at 31st December 2011, there are 9.572 millions motor vehicles(excluding moped/bromfietsen) in Nederlands; which made up of 7.859 millions passenger cars, 647,000 motorcycles and 1.066 millions corporate motor vehicles.
In 2011, there are 38 motor insurance companies compares to 44 in 2010.
The total gross premiums(bruto premies) for motorrijtuigverzekering(motor vehicle insurance) in 2011 is €4,587 millions, a decrease of €48 millions or 1.04% compares to €4,635 millions in 2010.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigverzekering in 2011 is €4,348 millions, an increase of €14 millions or 0.32% compares to €4,334 millions in 2010.
The total gross claims paid(bruto betaalde schade) for motorrijtuigverzekering in 2011 is €3,396 millions, a decrease of €72 millions or 2.08% compares to €3,468 millions 2010.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigverzekering in 2011 is €3,047 millions, a decrease of €138 millions or 4.33% compares to €3,185 millions in 2010.
Average premium for car insurance in Nederland in 2011 is €400(compares to €403 in 2010). Whereas average premium for motorcycle insurance in Nederland in 2011 is €111(compares to €109 in 2010).
Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco
The motorrijtuigverzekering can be further divided into two types, Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco(motor vehicle liability and motor vehicle insurance on bodywork).
The total gross premiums(bruto premies) for motorrijtuigen aansprakelijkheid(motor vehicle liability) in 2010 is €2,406 millions, a decrease of €4 millions or 0.17% compares to €2,410 millions in 2009.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen aansprakelijkheid in 2010 is €2,256 millions, a decrease of €26 millions or 1.14% compares to €2,282 millions in 2009.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen aansprakelijkheid in 2010 is €1,896 millions, a decrease of €64 millions or 3.27% compares to €1,960 millions 2009.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen aansprakelijkheid in 2010 is €1,690 millions, a decrease of €83 millions or 4.68% compares to €1,773 millions in 2009.
The total gross premiums(bruto premies) for motorrijtuigen casco(motor vehicle liability and motor vehicle insurance on bodywork) in 2010 is €2,229 millions, an increase of €100 millions or 4.7% compares to €2,129 millions in 2009.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen casco in 2010 is €2,078 millions, an increase of €82 millions or 4.11% compares to €1,996 millions in 2009.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen casco in 2010 is €1,572 millions, an increase of €49 millions or 3.22% compares to €1,523 millions 2009.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen casco in 2010 is €1,495 millions, an increase of €132 millions or 9.68% compares to €1,363 millions in 2009.
This shows increase in the claims paid for motorrijtuigen casco is inline with the increase in premiums collected in 2010.
Motorrijtuigverzekering in Nederland 2009-2010
As at 31st December 2010, there are 9,451,739 motor vehicles(excluding moped/bromfietsen) in Nederlands; which made up of 7,735,547 passenger cars(469 per 1000 inhabitants; 6,876,304 owned by natural persons - 417 per 1000 inhabitants),
636,199 motorcycles(39 per 1000 inhabitants) and 1,079,993 corporate motor vehicles(861,250 vans; 71,386 trucks; 71,329 tractors; 64,751 special vehicles and 11,277 buses).
In 2010, there are 53 insurance companies operating the accidental damage insurance(voertuigcasco) and 45 insurance companies operating the third party vehicle insurance(aansprakelijkheid motorrijtuigen).
The total gross premiums(bruto premies) for motorrijtuigverzekering(motor vehicle insurance) in 2010 is €4,635 millions, an increase of €96 millions or 2.12% compares to €4,539 millions in 2009.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigverzekering in 2010 is €4,334 millions, an increase of €56 millions or 1.31% compares
to €4,278 millions in 2009.
The total gross claims paid(bruto betaalde schade) for motorrijtuigverzekering in 2010 is €3,468 millions, a decrease of €16 millions or 0.46%
compares to €3,484 millions 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigverzekering in 2010 is €3,185 millions,
an increase of €49 millions or 1.56% compares to €3,136 millions in 2009.
Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco
The motorrijtuigverzekering can be further divided into two types, Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco(motor vehicle liability and motor vehicle insurance on bodywork).
The total gross premiums(bruto premies) for motorrijtuigen aansprakelijkheid(motor vehicle liability) in 2010 is €2,406 millions, a decrease of €4 millions or 0.17% compares to €2,410 millions in 2009.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen aansprakelijkheid in 2010 is €2,256 millions, a decrease of €26 millions or 1.14% compares to €2,282 millions in 2009.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen aansprakelijkheid in 2010 is €1,896 millions, a decrease of €64 millions or 3.27% compares to €1,960 millions 2009.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen aansprakelijkheid in 2010 is €1,690 millions, a decrease of €83 millions or 4.68% compares to €1,773 millions in 2009.
The total gross premiums(bruto premies) for motorrijtuigen casco(motor vehicle liability and motor vehicle insurance on bodywork) in 2010 is €2,229 millions, an increase of €100 millions or 4.7% compares to €2,129 millions in 2009.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen casco in 2010 is €2,078 millions, an increase of €82 millions or 4.11% compares to €1,996 millions in 2009.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen casco in 2010 is €1,572 millions, an increase of €49 millions or 3.22% compares to €1,523 millions 2009.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen casco in 2010 is €1,495 millions, an increase of €132 millions or 9.68% compares to €1,363 millions in 2009.
This shows increase in the claims paid for motorrijtuigen casco is inline with the increase in premiums collected in 2010.
Gross premium written per policy(Bruto geboekte premie per polis)
In 2010, gross premium written per policy(bruto geboekte premie per polis) for personenauto's WA(cars third party) is €257(€261 in 2009); €490(€498 in 2009) for personenauto's WA+casco(cars third party+accidental damage);
€720(€757 in 2009) for bedrijfsauto's(trucks and vans); €112(€120 in 2009) for motoren(motorcycles); €161(€166 in 2009) for caravans(caravans).
In 2010, penetration by distribution channel(penetratiegraad per distributiekanaal) for motorrijtuigverzekering is 49.1% via tussenpersoon/intermediairies;
34.1% via tussenpersoon/intermediairies; 12.9% via bank and 3.8% via other channels.
Motorrijtuigverzekering in Nederland 2008-2009
As at 31st December 2009, there are 9,340,006 motor vehicles(excluding moped/bromfietsen) in Nederlands; which made up of 7,622,353 passenger cars(462 per 1000 inhabitants; 6,749,169 owned by natural persons - 409 per 1000 inhabitants),
623,442 motorcycles(38 per 1000 inhabitants) and 1,094,211 corporate motor vehicles(872,355 vans; 73,368 trucks; 71,560 tractors; 65,294 special vehicles and 11,634 buses).
In 2009, there are 57 insurance companies operating the accidental damage insurance(voertuigcasco) and 51 insurance companies operating the third party vehicle insurance(aansprakelijkheid
motorrijtuigen).
The total gross premiums(bruto premies) for motorrijtuigverzekering(motor vehicle insurance) in 2009 is €4,539 millions, a decrease of €91 millions or 1.97% compares to €4,630 millions in 2008.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigverzekering in 2009 is €4,278 millions, a decrease of €66 millions or 1.52% compares
to €4,344 millions in 2008.
The total gross claims paid(bruto betaalde schade) for motorrijtuigverzekering in 2009 is €3,484 millions, an increase of €78 millions or 2.29%
compares to €3,406 millions 2008. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigverzekering in 2009 is €3,136 millions,
an increase of €124 millions or 4.12% compares to €3,012 millions in 2008. This shows the claims paid for motorrijtuigverzekering has continued to increase even though
lesser premiums has been collected in 2009.
Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco
The motorrijtuigverzekering can be further divided into two types, Motorrijtuigen Aansprakelijkheid en Motorrijtuigen Casco(motor vehicle liability and motor vehicle insurance on bodywork).
The total gross premiums(bruto premies) for motorrijtuigen aansprakelijkheid(motor vehicle liability) in 2009 is €2,410 millions, a decrease of €13 millions or 0.54% compares to €2,423 millions in 2008.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen aansprakelijkheid in 2009 is €2,282 millions, an increase of €14 millions or 0.62% compares to €2,268 millions in 2008.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen aansprakelijkheid in 2009 is €1,960 millions, an increase of €99 millions or 5.32% compares to €1,861 millions 2008.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen aansprakelijkheid in 2009 is €1,773 millions, an increase of €234 millions or 15.20% compares to €1,539 millions
in 2008. This shows the claims paid for motorrijtuigen aansprakelijkheid has continued to increase even though lesser premiums has been collected in 2009.
The total gross premiums(bruto premies) for motorrijtuigen casco(motor vehicle liability and motor vehicle insurance on bodywork) in 2009 is €2,129 millions, a decrease of €78 millions or 3.53% compares to €2,207 millions in 2008.
The earned premiums, net of reinsurance(verdiende premie eigen rekening) for motorrijtuigen casco in 2009 is €1,996 millions, a decrease of €81 millions or 3.90% compares to €2,077 millions in 2008.
The total gross claims paid(bruto betaalde schade) for motorrijtuigen casco in 2009 is €1,523 millions, a decrease of €22 millions or 1.42% compares to €1,545 millions 2008.
The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for motorrijtuigen casco in 2009 is €1,363 millions, a decrease of €110 millions or 7.47% compares to €1,473 millions in 2008.
This shows decrease in the claims paid for motorrijtuigen casco is inline with the lesser premiums collected in 2009.
Gross premium written per policy(Bruto geboekte premie per polis)
In 2009, gross premium written per policy(bruto geboekte premie per polis) for personenauto's WA(cars third party) is €261(€237 in 2008); €498(€509 in 2008) for personenauto's WA+casco(cars third party+accidental damage);
€1,079(€1143 in 2008) for vrachtauto's WA(trucks third party); €701(€759 in 2008) for vrachtauto's casco(trucks accidental damage); €68(€76 in 2008) for motoren WA(motorcycles);
€77(€89 in 2008) for bromfietsen(moped); €166(€161 in 2008) for caravans casco(caravans accidental damage).
In 2008, penetration by distribution channel(penetratiegraad per distributiekanaal) for motorrijtuigverzekering is 45.7% via direct writing/rechtstreeks;
37.9% via tussenpersoon/intermediairies; 13.1% via bank and 3.3% via other channels.
