Total premium volume for Switzerland motor vehicle insurance in 2014 is CHF 5,860 million, an increase of 1.54% or CHF 89 million compares to CHF 5,771 million in 2013. This CHF 5,860 million total premium can be brokendown as CHF 2,760 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 0.62% or CHF 17 million compares to CHF 2,743 million in 2013; and CHF 3,100 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 2.34% or CHF 71 million compares to CHF 3,029 million in 2013.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2014 is CHF 3,534 million, a decrease of 7.41% or CHF 283 million compares to CHF 3,817 million in 2013. This CHF 3,534 million gross payments claims can be brokendown as CHF 1,462 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 4.60% or CHF 70 million compares to CHF 1,532 million in 2013; and CHF 2,072 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), a decrease of 9.32% or CHF 213 million compares to CHF 2,285 million in 2013.

Total premium volume for Switzerland motor vehicle insurance in 2013 is CHF 5,771 million, an increase of 2.11% or CHF 119 million compares to CHF 5,652 million in 2012. This CHF 5,771 million total premium can be brokendown as CHF 2,743 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 0.85% or CHF 23 million compares to CHF 2,720 million in 2012; and CHF 3,029 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 3.27% or CHF 96 million compares to CHF 2,933 million in 2012.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2013 is CHF 3,817 million, an increase of 3.84% or CHF 141 million compares to CHF 3,676 million in 2012. This CHF 3,817 million gross payments claims can be brokendown as CHF 1,532 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 1.29% or CHF 20 million compares to CHF 1,552 million in 2012; and CHF 2,285 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 7.58% or CHF 161 million compares to CHF 2,124 million in 2012.

Total premium volume for Switzerland motor vehicle insurance in 2012 is CHF 5,652 million, an increase of 2.56% or CHF 141 million compares to CHF 5,511 million in 2011. This CHF 5,652 million total premium can be brokendown as CHF 2,720 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 1.27% or CHF 34 million compares to CHF 2,686 million in 2011; and CHF 2,933 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 3.82% or CHF 108 million compares to CHF 2,825 million in 2011.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2012 is CHF 3,676 million, an increase of 2.54% or CHF 91 million compares to CHF 3,585 million in 2011. This CHF 3,676 million gross payments claims can be brokendown as CHF 1,552 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 3.66% or CHF 59 million compares to CHF 1,611 million in 2011; and CHF 2,124 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 7.60% or CHF 150 million compares to CHF 1,974 million in 2011.

Total premium volume for Switzerland motor vehicle insurance in 2011 is CHF 5,511 million, an increase of 1.79% or CHF 97 million compares to CHF 5,414 million in 2010. This CHF 5,511 million total premium can be brokendown as CHF 2,686 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 1.51% or CHF 40 million compares to CHF 2,646 million in 2010; and CHF 2,825 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 2.06% or CHF 57 million compares to CHF 2,768 million in 2010.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2011 is CHF 3,585 million, an increase of 0.59% or CHF 21 million compares to CHF 3,564 million in 2010. This CHF 3,585 million gross payments claims can be brokendown as CHF 1,611 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 6.45% or CHF 111 million compares to CHF 1,722 million in 2010; and CHF 1,974 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 7.17% or CHF 132 million compares to CHF 1,842 million in 2010.

Total premium volume for Switzerland motor vehicle insurance in 2010 is CHF 5,414 million, an increase of 0.91% or CHF 49 million compares to CHF 5,365 million in 2009. This CHF 5,414 million total premium can be brokendown as CHF 2,646 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 0.53% or CHF 14 million compares to CHF 2,632 million in 2009; and CHF 2,768 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 1.28% or CHF 35 million compares to CHF 2,733 million in 2009.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2010 is CHF 3,564 million, a decrease of 2.73% or CHF 100 million compares to CHF 3,664 million in 2009. This CHF 3,564 million gross payments claims can be brokendown as CHF 1,722 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 3.8% or CHF 68 million compares to CHF 1,790 million in 2009; and CHF 1,842 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), a decrease of 1.71% or CHF 32 million compares to CHF 1,874 million in 2009.

Total premium volume for Switzerland motor vehicle insurance in 2009 is CHF 5,365 million, a decrease of 0.52% or CHF 28 million compares to CHF 5,393 million in 2008. This CHF 5,365 million total premium can be brokendown as CHF 2,632 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 0.38% or CHF 10 million compares to CHF 2,642 million in 2008; and CHF 2,733 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), a decrease of 0.65% or CHF 18 million compares to CHF 2,751 million in 2008.

Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2009 is CHF 3,664 million, an increase of 15.37% or CHF 488 million compares to CHF 3,176 million in 2008. This CHF 3,664 million gross payments claims can be brokendown as CHF 1,790 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), an increase of 2.17% or CHF 38 million compares to CHF 1,752 million in 2008; and CHF 1,874 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 31.6% or CHF 450 million compares to CHF 1,424 million in 2008.

Total premium volume for Switzerland motor vehicle insurance in 2008 is CHF 5,396 million, an increase of 0.48% or CHF 26 million compares to CHF 5,370 million in 2007. This CHF 5,396 million total premium can be brokendown as CHF 2,645 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 0.42% or CHF 11 million compares to CHF 2,634 million in 2007; and CHF 2,751 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 0.51% or CHF 14 million compares to CHF 2,737 million in 2007.

Bruttozahlungen für Autoversicherungsfälle
Gross payments for motor insurance claims(Bruttozahlungen für Autoversicherungsfälle) in 2008 is CHF 3,176 million, an increase of 0.92% or CHF 29 million compares to CHF 3,147 million in 2007. This CHF 3,176 million gross payments claims can be brokendown as CHF 1,752 million for motor liability insurance(Motorfahrzeug-Haftpflichtversicherung), a decrease of 0.23% or CHF 4 million compares to CHF 1,756 million in 2007; and CHF 1,424 million for Other motor insurance types(Sonstige Arten der Motorfahrzeug-Versicheru), an increase of 2.37% or CHF 33 million compares to CHF 1,391 million in 2007.

There has been premium growth in the motor insurance segment over the last ten years, but it has tended to be low, probably because the market is largely saturated and competition is intense. The ongoing competition became even fiercer in the year under review, and initial estimates suggest that this actually resulted in a reduction of premium volume in both motor liability and motor own damage insurance. At 0.4% the reduction is not too dramatic and was to be expected given the trend observed over the past few years.

Fewer new cars. Apart from the tough competition, the drop in premiums was probably due to the pronounced move away from ever bigger and more powerful cars. A further factor was the substantial reduction in new vehicle registrations in Switzerland in 2009. According to statistics published by Auto Schweiz, 22,000 fewer cars were put on the road last year compared with the year before (a drop of 7.8%). The car importers expect new vehicle registrations to be down again in 2010, with no sustainable recovery setting in before 2011.

Die Prämienentwicklung im Geschäftsbereich Motorfahrzeugversicherung weist über die letzten zehn Jahre ein doch eher geringes Wachstum auf. Ein weitgehend gesättigter Markt und eine ausgeprägter Wettbewerb dürften zu diesem Ergebnis geführt haben. Die nachhaltige Konkurrenz unter den Anbietern hat sich im Berichtsjahr nochmals verschärft. Das hat gemäss ersten Hochrechnungen sowohl bei der Motorfahrzeug-Haftpflichtversicherung als auch bei der Motorfahrzeug-Kaskoversicherung nun gar zu einer Abnahme des Prämienvolumens geführt. Der Trend der vergangenen Jahre hatte dieses Ergebnis, das mit minus 0,4 Prozent noch einigermassen akzeptabel ausgefallen ist, allerdings erwarten lassen.

Weniger neue Autos. Aber nicht nur die ausgeprägte Wettbewerbssituation, sondern auch der offensichtlich gebrochene Trend zu immer grösseren und stärkeren Autos, dürften zu diesem Prämienrückgang geführt haben. Hinzu kommt, dass der Schweizer Markt 2009 ein erhebliches Minus an Fahrzeug-Neuimmatrikulationen hat hinnehmen müssen. Laut Statistiken von Auto Schweiz wurden im Berichtsjahr im Vergleich zum Vorjahr 22 000 (7,8 Prozent) weniger Autos in Verkehr gesetzt. Auch für das Jahr 2010 rechnen die Autoimporteure mit einem Rückgang der Neuinverkehrsetzungen.