Technical Workshop of the German Insurance Association and experts of the Western Balkan Primary Insurance Market
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1 Technical Workshop of the German Insurance Association and experts of the Western Balkan Primary Insurance Market 10 June 2015, Bristol Hotel Sarajevo
2 2 Agenda Opening, briefing about German Delegation and Insurance Association Thomas Ilka, GDV Property Insurance experiences in burst of water pipes and burglary Oliver Hauner, GDV Handling of large hail losses Dr. Ulrich Staab, R+V Statistical work in Motor Insurance Michael Theilmeier, Gen Re Case study MTPL market entry Andrej Kocic, ERGO Distribution channels, especially bancassurance Dirk Czaja, Swiss Life Gueorgui Tzvetanov-Meyer, ERGO Questions
3 3 German Insurance Association why we are here GDV invites the insurance associations, regulators and market participants to share best-practice experiences and prepare together for the upcoming European future demands of our industry. 10 June 2015: The workshop is focusing on various technical aspects of insurance business lines: property, motor insurance and MTPL, NatCat losses, distribution channels and bancassurance. The main objective is educating and sharing experiences. 11 June 2015: Joint Meeting with the representatives of the Western Balkan insurance associations and regulators. The main objective is getting acquainted with each other and discussing possible further cooperation.
4 4 German Insurance Association why we are here As a member of The Committee on Eastern European Economic Relations, GDV supports and strengthens the growing economic ties with Eastern and Southeastern European countries and regions. GDV delegations in Croatia and Slovenia 2012; Meetings with Serbian Regulator (next: 25 June 2015 in Berlin); Regular conferences with Association for Insurance Law of Serbia. On 28 August 2014, German Federal Minister for Economic Affairs and Energy Gabriel opened the high-level Western Balkans Business Conference in Berlin. He met with his counterparts from Albania, Bosnia-Hercegovina, Croatia, FYROM, Kosovo, Montenegro, Serbia, and Slovenia, and with Vice-President of the European Commission Günther Oettinger. Germany is one of the most important economic partners for the states in the Western Balkans and has thus had a very positive impact on development in the region. Trade between Germany and the Western Balkans reached a all-time high in 2013, at 18 billion.
5 5 About us GDV s tasks and functions Politics and government Members Positions, Shaping opinion, Services Public Identifying themes and interests of primary insurers and reinsurers in Germany 460 Member companies 533,000 people work in the insurance sector 427 million insurance contracts and risks 1,450 billion Investments Source: gdv.de 11/06/2015 Status: 29/04/2015
6 6 About us here we are The German Insurance Association European Office 51, rue Montoyer B-1000 Brussels Phone: Fax: GDV HQ, Berlin Wilhelmstraße 43 / 43G Berlin Phone: Fax: berlin@gdv.de Source: gdv.de Hamburg Office Frankenstraße 18 A Hamburg Phone: Fax: hamburg@gdv.de 11/06/2015
7 7 The largest European insurance markets Share in European premium income, 2013 Life 1 UK 25.8% 2 France 17.8% 3 Germany 13.6% 4 Italy 12.8% 5 Switzerland 4.0% 6 Spain 3.9% 7 Sweden 3.4% 8 Netherlands 2.7% 9 Finland 2.7% 10 Denmark 2.5% Non-Life* 1 Germany 21.4% 2 France 15.4% 3 UK 14.3% 4 Netherlands 12.7% 5 Italy 7.5% 6 Spain 6.5% 7 Switzerland 4.7% 8 Belgium 2.5% 9 Austria 2.2% 10 Turkey 1.6% * Health insurance and property & casualty insurance Source: Insurance Europe 11/06/2015 Status: 13/03/2015
8 8 Number of insurance companies in GDV By line Other* 18 Property and casualty insurers 229 Pension funds 14 Reinsurers 26 Health insurers 38 Pensionskassen 27 Life insurers** 108 * spun-off, group-affiliated companies and service providers (e.g. asset management, distribution and assistance companies) ** includes branch offices of foreign insurance companies Source: GDV 11/06/2015 Status: 02/04//2015
9 9 Market shares of insurance groups in primary insurance, by premium income The 5 largest insurance groups The 10 largest insurance groups Life 50.7% 68.7% Health 53.0% 77.1% Property & casualty 44.3% 63.1% Primary insurance overall 44.3% 63.9% Source: GDV 30/12/2014 Status: 31/12/2014
10 10 GDV's committee structure General Assembly Presidential Board Executive Committee Steering committee on life insurance/pension funds Steering committee on property & casualty insurance Central Committees Mathematics and statistics Private customers Business administration and IT Mutual insurance associations Risk management Tax issues in life insurance/pension funds Trade and industry customers Finance and risk management Budget and auditing Taxes Social policy Motor insurance Legal affairs Central and Eastern Europe Communications Medico-Acturial-Science / risk and benefit assessment Distribution Investments Economics Accounting Source: gdv.de 11/06/2015 Status: 10/2014
11 11 Premium income, 2014 By line, in EUR billions Primary insurers overall: Life insurance 48.7% billion EUR Private health insurance 18.8% 36,2 93,7 62,5 Property and casualty insurance 32.5% Sources: GDV, PHI Association 11/06/2015 Status: 13/03/2014
12 12 Distribution channels in the insurance industry Shares of distribution channels in new business in % Life insurance Health insurance Property & casualty insurance* 28/01/2015 single-tied agents Source: GDV-distribution survey multiple agents brokers credit institutions * property, accident, liability, motor and legal expenses insurance ** e. g. travel agency, car dealership direct selling other**
13 13 Partnerships Participation in key national and international organizations (selection) Bilateral collaboration with associations outside Europe Supporting foreign business activities of insurance companies Internationally active German organizations Improving framework conditions IRZ-Foundation, Committee on Eastern European Economic Relations, Association for Social Security Policy and Research European and international insurance industry organizations Representing insurers' interests Insurance Europe, GFIA, IUMI, IMIA, IIS International organizations Representing insurers' interests IAIS, OECD / IPPC, ICC German industry organizations Bundling interests Cologne Institute for Economic Research, Joint Committee, ICC Consumer protection Improving customer relations Ombudsmann e.v., German Product Testing Foundation Social policy/humanitarian organizations Remembrance, Responsibility and Future Foundation Promotion of science German Insurance Science Association Int. Center for Insurance Regulation Association for the Promotion of Science and Humanities in Germany 11/06/2015 Status: 10/2014
14 14 Challenges from the industry's environment Themes, trends and drivers Mobility Market Globalization Automation Low interest rates Climate change Technology Digitalization Society Cyber-crimes Standards Insurers Demographic trends Distribution Law Data protection Tax law Solvency II Politics Consumer protection 11/06/2015 Status: 10/2014
15 15 Agenda Opening, briefing about German Delegation and Insurance Association Thomas Ilka, GDV Property Insurance experiences in burst of water pipes and burglary Oliver Hauner, GDV Handling of large hail losses Dr. Ulrich Staab, R+V Statistical work in Motor Insurance Michael Theilmeier, Gen Re Case study MTPL market entry Andrej Kocic, ERGO Distribution channels, especially bancassurance Dirk Czaja, Swiss Life Gueorgui Tzvetanov-Meyer, ERGO Questions
16 Wilhelmstraße 43 / 43 G, D Berlin Postfach , D Berlin Tel.: Fax: , rue Montoyer B Brüssel Tel.: Fax:
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