There are 36 rechtsbijstand(legal expenses) insurers in 2013, compares to 37 rechtsbijstand insureres in 2012. The total gross premiums(bruto premies) for rechtsbijstandverzekering(legal expenses insurance) in 2013 is €681 millions, a decrease of €2 millions or 0.29% compares to €683 millions in 2012. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for rechtsbijstandverzekering in 2013 is €556 millions, an increase of €9 millions or 1.65% compares to €547 millions in 2012.
The total gross claims paid(bruto betaalde schade) for rechtsbijstandverzekering in 2013 is €364 millions, an increase of €3 millions or 0.83% compares to €361 millions in 2012. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for rechtsbijstandverzekering in 2013 is €296 millions, an increase of €2 millions or 0.68% compares to €294 millions in 2012.

There are 37 rechtsbijstand(legal expenses) insurers in 2012, compares to 39 rechtsbijstand insureres in 2011. The total gross premiums(bruto premies) for rechtsbijstandverzekering(legal expenses insurance) in 2012 is €683 millions, a decrease of €117 millions or 14.63% compares to €800 millions in 2011. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for rechtsbijstandverzekering in 2012 is €547 millions, a decrease of €122 millions or 18.24% compares to €669 millions in 2011.
The total gross claims paid(bruto betaalde schade) for rechtsbijstandverzekering in 2012 is €361 millions, a decrease of €55 millions or 13.22% compares to €416 millions in 2011. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for rechtsbijstandverzekering in 2012 is €294 millions, a decrease of €55 millions or 15.76% compares to €349 millions in 2011.

There are 39 rechtsbijstand(legal expenses) insurers in 2011, compares to 44 rechtsbijstand insureres in 2010. The total gross premiums(bruto premies) for rechtsbijstandverzekering(legal expenses insurance) in 2011 is €800 millions, an increase of €29 millions or 3.76% compares to €771 millions in 2010. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for rechtsbijstandverzekering in 2011 is €669 millions, an increase of €20 millions or 3.08% compares to €649 millions in 2010.
The total gross claims paid(bruto betaalde schade) for rechtsbijstandverzekering in 2011 is €416 millions, an increase of €41 millions or 10.93% compares to €375 millions in 2010. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for rechtsbijstandverzekering in 2011 is €349 millions, an increase of €21 millions or 6.40% compares to €328 millions in 2010.

There are 62 rechtsbijstand(legal expenses) insurers in 2010, similar to the number of rechtsbijstand insureres in 2009. The total gross premiums(bruto premies) for rechtsbijstandverzekering(legal expenses insurance) in 2010 is €771 millions, an increase of €39 millions or 5.33% compares to €732 millions in 2009. This €769 millions is inclusive of €432 millions(€421 millions in 2009) for gezins(family); €87 millions(€90 millions in 2008) for motorrijtuigen en verkeers(motro vehicles) and €199 millions(€167 millions in 2009) for bedrijven(companies). The earned premiums, net of reinsurance(verdiende premie eigen rekening) for rechtsbijstandverzekering in 2010 is €649 millions, an increase of €33 millions or 5.36% compares to €616 millions in 2009.
The total gross claims paid(bruto betaalde schade) for rechtsbijstandverzekering in 2010 is €375 millions, an increase of €8 millions or 2.18% compares to €367 millions in 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for rechtsbijstandverzekering in 2010 is €328 millions, a decrease of €7 millions or 2.09% compares to €335 millions in 2009. The average amount per claim(gemiddeld schadebedrag per claim) has increase by 2.61% from €805 in 2009 to €826 in 2010 for gezins(family). In the same time, the average amount per claim for bedrijven(companies) has decrease by 2.91% from €1,273 in 2009 to €1,236 in 2010. In 2010, the claim frequency/claimfrequentie per 100 policies for gezins(family) is similar to 2009, remained at 9%, while bedrijven(companies) claim frequency has decrease to 19% from 22% in 2009.
In 2010, there are 3,108,000 number of policies written for gezins(family), a decrease of 101,000 or 3.15% compares to 3,209,000 in 2009; 1,844,000 for motorrijtuigen en verkeers(motro vehicles), a decrease of 147,000 or 7.38% compares to 1,991,000 in 2009; 329,000 for bedrijven(companies), an increase of 54,000 or 19.64% compares to 275,000 in 2009.

Rechtsbijstandverzekering Penetration
In 2010, penetration by distribution channel(penetratiegraad per distributiekanaal) for rechtsbijstandverzekering is 38.1% via tussenpersoon/intermediairies; 36.4% via direct writing/rechtstreeks; 22% via bank and 3.4% via other channels. In 2010, rechtsbijstandverzekering has a penetration rate of 44.4% on main wage earner age below 35(39.7% in 2008); 59.6% on main wage earner age between 35 to 49(55.9% in 2008); 57.8% on main wage earner age between 50 to 64(56.3% in 2008) and 41.7% on main wage earner age 65 and above(34.1% in 2008). Rechtsbijstandverzekering has a penetration rate of 52.1% of the total 7,355 households in 2008; compares to 47.8% of the 7,244 households in 2008.
Meanwhile, in 2010, rechtsbijstandverzekering has a penetration rate of 26.9% on income group below 1,000(19.1% in 2008); 34.5% on income group 1,000 - 1,500(28.2% in 2008); 44.4% on income group 1,500 - 2,000(46.3% in 2008); 56.7% on income group 2,000 - 2,500(53% in 2008); 61.5% on income group 2,500 - 3,000(57.2% in 2008); 63.4% on income group above 3,000(61.1% in 2008); and 46% on income group which is unknown (67.1% in 2008).
In 2010, rechtsbijstandverzekering has a penetration rate of 27.6% of the 690,000 single households age below 35; 42.3% of the 1,862,000 single households age above 35; 60.3% of the 2,007,000 multi households with children age below 18; 61.3% of the 420,000 multi households below 35 and without children age below 18; 58.4% of the 2,375,000 multi households above 35 and without children age below 18.
In 2010, rechtsbijstandverzekering has a penetration rate of 49.2% of the 1,221,000 in A'dam, R'dam/Den Haag; 52.4% of the 2,147,000 in West Nederland; 46.1% of the 764,000 in Noord/North Nederland; 51.3% of the 1,487,000 in Oost/East Nederland; 57.2% of the 1,737,000 in Zuid/South Nederland.

There are 62 rechtsbijstand(legal expenses) insurers in 2009 compares to 67 insureres in 2008. The total gross premiums(bruto premies) for rechtsbijstandverzekering(legal expenses insurance) in 2009 is €732 millions, an increase of €56 millions or 8.28% compares to €676 millions in 2008. This €732 millions is inclusive of €421 millions(€381 millions in 2008) for gezins(family); €90 millions(€85 millions in 2008) for motorrijtuigen en verkeers(motro vehicles) and €167 millions(€158 millions in 2008) for bedrijven(companies). The earned premiums, net of reinsurance(verdiende premie eigen rekening) for rechtsbijstandverzekering in 2009 is €616 millions, an incresae of €37 millions or 6.39% compares to €579 millions in 2008.
The total gross claims paid(bruto betaalde schade) for rechtsbijstandverzekering in 2009 is €367 millions, an increase of €36 millions or 10.88% compares to €331 millions in 2008. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for rechtsbijstandverzekering in 2009 is €335 millions, an increase of €14 millions or 4.36% compares to €321 millions in 2008. This shows a healthy trend where the claims paid for rechtsbijstandverzekering is inline with the increase in premiums collected in 2009. However, the average amount per claim(gemiddeld schadebedrag per claim) has increase by 2.29% from €787 in 2008 to €805 in 2009 for gezins(family). In the same time, the average amount per claim for bedrijven(companies) has increase by 9.36% from €1,164 in 2008 to €1,273 in 2009. In 2009, the claim frequency/claimfrequentie per 100 policies for gezins(family) is similar to 2008, remained at 9%, while bedrijven(companies) claim frequency has increase to 22% from 20% in 2008.
In 2009, there are 3,209,000 number of policies written for gezins(family), an increase of 221,000 or 7.4% compares to 2,988,000 in 2008; 1,991,000 for motorrijtuigen en verkeers(motro vehicles), an increase of 92,000 or 4.84% compares to 1,899,000 in 2008; 275,000 for bedrijven(companies), a decrease of 9,000 or 3.17% compares to 284,000 in 2008.

Rechtsbijstandverzekering Penetration
In 2008, penetration by distribution channel(penetratiegraad per distributiekanaal) for rechtsbijstandverzekering is 38.9% via tussenpersoon/intermediairies; 36.9% via direct writing/rechtstreeks; 21.2% via bank and 3% via other channels. In 2008, rechtsbijstandverzekering has a penetration rate of 39.7% on main wage earner age below 35(43.3% in 2006); 55.9% on main wage earner age between 35 to 49(48.7% in 2006); 56.3% on main wage earner age between 50 to 64(47.5% in 2006) and 34.1% on main wage earner age 65 and above(28.2% in 2006). Rechtsbijstandverzekering has a penetration rate of 47.8% of the total 7,244 households in 2008; compares to 42.9% of the 7,182 households in 2006.
Meanwhile, in 2008, rechtsbijstandverzekering has a penetration rate of 19.1% on income group below 1,000(17.3% in 2006); 28.2% on income group 1,000 - 1,500(27.3% in 2006); 46.3% on income group 1,500 - 2,000(36.1% in 2006); 53% on income group 2,000 - 2,500(53.2% in 2006); 57.2% on income group 2,500 - 3,000(51.6% in 2006); 61.1% on income group above 3,000(55.1% in 2006); and 67.1% on income group which is unknown (12.6% in 2006).
In 2008, rechtsbijstandverzekering has a penetration rate of 30% of the 784,000 single households age below 35; 38.4% of the 1,972,000 single households age above 35; 58.2% of the 1,896,000 multi households with children age below 18; 45.7% of the 398,000 multi households below 35 and without children age below 18; 53.9% of the 2,194,000 multi households above 35 and without children age below 18.
In 2008, rechtsbijstandverzekering has a penetration rate of 41.6% of the 1,216,000 in A'dam, R'dam/Den Haag; 47.8% of the 2,104,000 in West Nederland; 41.3% of the 765,000 in Noord/North Nederland; 48.4% of the 1,461,000 in Oost/East Nederland; 54.5% of the 1,698,000 in Zuid/South Nederland.