意大利汽車保險行業(yè)市場調(diào)研和分析報告（英文版）-2024年1月上傳培訓課件

INDUSTRIES

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MARKETSMotorinsuranceinItalyCHAPTER

01OverviewNumberofregisteredpassengercarsinItalybetween1990and2021(in1,000units)NumberofregisteredpassengercarsinItalyfrom1990to202145,00040,00039,545

39,71839,82339,01838,52037,87637,35137,113

37,078

36,963

37,08136,75134,66735,00030,00025,00020,00015,00010,0005,000032,58430,30127,41619901995200020052010201120122013201420152016201720182019202020213Description:ThestockofpassengercarsinItalyin2021amountedtoroughly39.8millionunits.Duringtheobservedperiod,thenumberofregisteredpassengercarsinItalyrosesteadilyexceptfortheyear2021wherevaluesdeclinedfortwoconsecutiveyears.Therecordresumedsteadygrowthafterwardandpeakedin2021.ReadmoreNote(s):Italy;1990to2021Source(s):EuropeanCommissionVolumeofprivatecarpassengertransportinItalyfrom2008to2021(inmillionpassenger-kilometers)PassengerstransportedbyprivatecarinItaly2008-2021800,000719,912744,919732,429722,894704,542698,390676,359676,350700,000600,000500,000400,000300,000200,000100,0000665,328642,920620,368578,668518,275488,299200820092010201120122013201420152016201720182019202020214/statistics/437221/passengers-transported-by-private-car-in-italyThevolumeofpassengercartransportinItalyincreasedby30billionmillionpassenger-kilometers(+6.14percent)sincethepreviousyear.Intotal,thevolumeofpassengercartransportamountedto518.3billionmillionpassenger-kilometersin2021.ReadmoreNote(s):Italy;2008to2021Source(s):ITF;OECDNumberofinsuredvehiclesinItalyfrom2011to2022(inmillions)NumberofinsuredvehiclesinItaly2011-2022504540353025201510502011201220132014201520162017201820192020202120225Description:ThenumberofinsuredpassengercarsandmopedsinItalyincreasedbyfivemillionbetween2013and2022.In2022,therewere43.8millioninsuredvehiclesinItaly,upfrom38.4millionin2013.LombardywastheItalianregionwiththehighestnumberofmotorinsuranceclaimsinrecentyears.ReadmoreNote(s):Italy;2011to2022Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSValueofnon-lifeinsurancepremiumswritteninItalyin1sthalfof2021and1sthalfof2022,bysegment(inmillioneuros)Valueofnon-lifeinsurancepremiumsinItalyinH12021andH12022,bycategoryPremiumsinmillioneurosH12022H120213,00001,0002,0004,0005,0006,0007,0006,460.176,328.66LandmotorvehicleliabilityGeneralliabilityOtherpropertydamageLandvehiclehullAccidentSicknessFireandnaturaldisastersAssistance2,319.22,632.821,856.222,045.941,844.341,926.111,834.351,904.171,680.71,885.511,376.051,434.3479.84513.37356.81453.99MonetarylossesofvariouskindsBail323.71359.01307.11CreditLegalprotection399.35298.32318.866Description:Non-lifeinsurancepremiums,orpropertyandcasualtyinsurancepremiums,inItalygrewbymorethanonebillioneurosin2022.In2022,thevalueofnon-lifeinsurancepremiumsinItalyreached20.67billioneuros,upfrom19.5billioneurosinthepreviousyear.Motorliabilityinsurancepremiumsforlandvehiclesreached6.3billioneurosandaccountedfor30percentofallnon-lifeinsurancepremiumsin2022.ReadmoreNote(s):Italy;H12021andH12022Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSMostcommoninsurancesbytypeinItalyasofJune2023MostcommoninsurancesbytypeinItaly2023Shareofrespondents0%10%20%30%40%50%60%70%70%CarinsuranceHealthinsurance53%Home/dwellinginsuranceLifeinsurance30%26%Accidentinsurance21%Contents/personalpropertyinsurancePersonalliabilityinsuranceLegalexpensesinsuranceIdonothaveanyinsurancepoliciesOther14%11%8%9%5%Don'tknow3%7Description:70percentofItalianrespondentsansweroursurveyon"Mostcommoninsurancesbytype"with"Carinsurance".Thesurveywasconductedin2023,among2,032consumers.

ReadmoreNote(s):Italy;July2022toJune2023;2032respondents;18-64yearsSource(s):ConsumerInsightsInsurancestakenoutonlinebytypeinItalyasofJune2023InsurancestakenoutonlinebytypeinItaly2023Shareofrespondents0%10%20%30%30%40%50%CarinsuranceHealthinsurance26%Accidentinsurance7%7%LifeinsuranceHome/dwellinginsuranceContents/personalpropertyinsuranceLegalexpensesinsurancePersonalliabilityinsuranceIhavenottakenoutanyinsurancepoliciesonlineOther6%4%3%3%49%1%2%Don'tknow8Description:30percentofItalianrespondentsansweroursurveyon"Insurancestakenoutonlinebytype"with"Carinsurance".Thesurveywasconductedin2023,among2,032consumers.

ReadmoreNote(s):Italy;July2022toJune2023;2032respondents;18-64yearsSource(s):ConsumerInsightsCHAPTER

02LeadingcompaniesLeading15motorinsurancecompaniesinItalyin2022,bygrosswrittenpremiums(inmillioneuros)LargestmotorinsurancecompaniesinItaly2022,bygrosswrittenpremiumsPremiumsinmillioneurosMotorhullinsurance

Motorliabilityinsurance1,000

1,500

2,000

2,50005003,0003,5004,0004,500GruppoAssicurativoUnipolGeneraliGruppoAssicurativoAllianzAXAItaliaRealeGroupGruppoVittoriaAssicurazioniGroupamaZurichInsuranceHDIAssicurazioniGruppoAssicurativoSaraGrupoItasAssicurazioniGreatLakesInsurance10Description:In2022,GruppoAssicurativoUnipolwasthelargestmotorinsurancecompanybygrosswrittenpremiumsinItaly.TheBologna-basedinsurerhadmotorliabilityinsurancepremiumsworth2.95billioneurosandmotorhullinsurancepremiumsworth874.7millioneurosinthatyear.GeneraliandGruppoAssicurativoAllianzfollowedbehindwiththreebillionand2.67billioneuros,respectively.ReadmoreNote(s):Italy;2022Source(s):ANIANumberofmotorinsurancecompaniesinItalyfrom2012to2021,bybusinesslineNumberofmotorinsurancecompaniesinItaly2012-2021,bybusinesslineMotorandmarineliabilityLandvehicle140120100806040200201220132014201520162017201820192020202111Description:ThenumberofmotorinsurancecompaniesinItalydecreasedinrecentyears,especiallyinthelandvehiclesegment.In2021,therewere44insurersofferinglandvehicleinsurance,downfrom65in2012.ThemotorinsurancesegmentinItalyisdividedintotwocategories:motorliability(inItalianresponsabilita'civileauto),andlandvehicle(inItaliancorpiveicoliterrestri).Motorliabilityinsuranceprovidesprotectionfordamagescausedwhiledrivingincaseofaccidentsandcoversinjuries[...]ReadmoreNote(s):Italy;2012to2021Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSGrosspremiumofItalianinsurancecompanyUnipolSaiAssicurazioniinItalyfrom2016to2022,bysegment(inbillioneuros)GrosspremiumofItalianinsurancecompanyUnipolSai2016-2022,bysegmentLifeNon-life121086420201620172018201920202021202212Description:UnipolSaiAssicurazioniwasoneofthelargestItalianinsurancecompaniesandreportedgrosspremiumsofalmost11billioneurosin2022.Inthatyear,grosspremiumsofthecompanyinthelifeinsurancesectoramountedtoapproximately3.4billioneuros,whereaspremiumsinthenon-lifesectorregisteredavalueofapproximately7.2billioneuros.UnipolSaiAssicurazioniwasthelargestmotorinsurancecompanyinItalyintermsofgrosspremiums.

ReadmoreNote(s):Italy;2016to2022Source(s):UnipolSaiAssicurazioniGrosswrittenpremiumsofItalianinsuranceGroupGeneralifrom2016to2022,bysegment(inmillioneuros)GrosswrittenpremiumsofItalianinsuranceGeneraliGroup2016-2022,bysegmentLifeProperty&Casualty60,00050,00040,00030,00020,00010,000052,90251,68048,40048,26048,55747,78846,08428,63624,14522,14721,52620,50720,74920,607201620172018201920202021202213Description:Thevalueofgrosswrittenpremiumsinboththelifeandproperty/casualtysegmentsofItalianinsuranceGroupGeneraligenerallyincreasedfrom2016to2022,albeitwithsomefluctuation.TheGeneraliGroup,headquarteredinTrieste,Italy,isagloballeaderintheinsuranceandfinancialproductsmarket.In2022,grosswrittenpremiumsinthelifeinsurancesegmentamountedtojustunder53billioneuros,whilethosewritteninpropertyandcasualtyinsuranceamountedto[...]ReadmoreNote(s):Worldwide,Italy;2016to2022Source(s):GeneraliCHAPTER

03PremiumsGrossdirectpremiumswrittenontheItalianmotorinsurancemarketfrom2013to2021(inbillioneuros)MotorinsurancegrossdirectpremiumswritteninItaly2013-20212018.6817.61816141210816.6716.3616.1616.2216.0315.6315.27642020132014201520162017201820192020202115Description:GrosswrittenpremiumsinthemotorinsurancesegmentinItalydeclinedoverallsincethepeakreachedin2013.Infact,theirtotalvaluedecreasedfromnearly18.7billioneurosinthatyeartoapproximately15.3billioneurosin2021.Despitethedecreaseexperienced,writtenpremiumsinthemotorinsurancesegmentstillaccountforapproximatelyhalfofthetotalgrosswrittenpremiumsinthenon-lifeinsurancesectorinItaly.ReadmoreNote(s):Italy;2013to2021Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSPercentagechangeinmotorinsurancegrosswrittenpremiumsinItalyfrom2013to2021ChangeinmotorinsurancegrosswrittenpremiumsinItaly2013-20212.0%1.0%1%1%0.0%-1.0%-2.0%-3.0%-4.0%-0.7%-1%-2.3%-3.9%2016-5.0%-5.2%-6.0%-7.0%-8.0%-5.8%2014-7.3%201320152017201820192020202116Description:ThepercentagechangeingrosswrittenpremiumsontheItalianmotorinsurancemarkethasbeenrelativelyconsistentinthelastfewyears.Afterayear-on-yearincreaseinpercentagechangefrom2013to2018,therewasnopercentagechangeinmotorinsurancegrosswrittenpremiumsfrom2018to2019.Between2020and2021therewasapercentagechangeof-2.3percent.

ReadmoreNote(s):Italy;2013to2021Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSShareofmotorinsurancegrosswrittenpremiumsontotalnon-lifeinsurancepremiumsinItalyfrom2013to2021Shareofmotorinsurancegrosswrittenpremiumsontotalnon-lifeinItaly2013-202160%55.5%53.7%52.1%50.5%49.6%49%50%40%30%20%10%0%47.7%46.7%44.7%20132014201520162017201820192020202117Description:Grosswrittenpremiumsonthemotorinsurancemarketaccountforapproximatelyhalfofallgrosswrittenpremiumsinthenon-lifeinsurancesectorinItaly.Indeed,in2021,theyrepresented44.7percentofthetotal.Thisfigure,however,decreasedinthelastfewyears,mostlikelyduetocheaperpricesforthistypeofinsurance.ReadmoreNote(s):Italy;2013to2021Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSPercentagechangeinmotorinsurancegrosswrittenpremiumsinItalyfrom2013to2021,bycategoryChangeinmotorinsurancegrosswrittenpremiumsinItaly2013-2021,bycategoryMotorliabilityMotorhull25%22.5%20%15%17.6%10%6.3%6.2%5.9%4.9%5%0%2.9%1%0%-0.1%-1.3%-2.3%-5%-5.7%-5.6%-6.5%-6.5%-7.1%-10%-15%-8.7%20132014201520162017201820192020202118Description:ThevalueofgrosswrittenpremiumsontheItalianmotorinsurancemarketincreasedconsiderablybetween2020and2021.Motorinsurancecanbedividedintotwocategories:motorandmarineliability,andlandvehicle.In2021,thevalueofpremiumsinthefirstcategoryincreasedby17.6percentcomparedto2020,whilethevalueoflandvehicleinsurancepremiumsincreasedby22.5percentbetween2020and2021.

ReadmoreNote(s):Italy;2013to2021Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSAveragepriceforpassengercarinsuranceinItalyfrom2012to2022(ineuros)AveragepriceforprivatecarinsuranceinItaly2012-202260055852748750040030020010004504234154144063863643582012201320142015201620172018201920202021202219Description:TheaveragepriceforprivatecarinsuranceinItalydecreasedsteadilysince2012.Inthatyear,theaveragepricewas558eurosperyear.Inthefollowingyears,thisfiguredecreasedsteadily,reaching358eurosin2022.

ReadmoreNote(s):Italy;2012to2022Source(s):ANIAValueoftotalmotorinsurancepremiumsperinhabitant(insurancedensity)inItalyfrom2004to2020(ineuros)MotorinsurancedensityinItaly2004-20204003723693683693553483413403503002502001501005033531229828928728828829027402004200520062007200820092010201120122013201420152016201720182019202020Description:MotorinsurancedensitydecreasedsteadilyinItalysince2004,mainlyduetoadecreaseintheaveragepriceforthistypeofinsurance.Asdatashow,motorinsurancedensityinItalywentfrom369eurosin2004to290eurosin2020.

ReadmoreNote(s):Italy;2004to2020Source(s):InsuranceEuropeMotorinsurancepremiumsperinhabitant(insurancepenetration)inItalyfrom2004to2020MotorinsurancepenetrationinItaly2004-20201.6%1.46%1.43%1.39%1.4%1.2%1.0%0.8%0.6%0.4%0.2%0.0%1.33%1.27%

1.27%1.25%1.24%1.23%1.16%1.08%1.05%1.03%1.01%1.01%1%0.99%2004200520062007200820092010201120122013201420152016201720182019202021Description:MotorinsurancepenetrationdecreasedsteadilyinItalysince2004,mainlyduetoadecreaseintheaveragepriceforthistypeofinsurance.Asdatashow,motorinsurancedensityinItalywentfrom1.46percentin2004to1.05percentin2020.

ReadmoreNote(s):Italy;2004to2020Source(s):InsuranceEuropeCHAPTER

04ClaimsNumberofmotorinsuranceclaimssubmittedinItalyin2021and2022,byregion(in1,000s)MotorinsuranceclaimsreportedinItaly2021-2022,byregion2021202250045040035030025020015010050023Description:Almost150,000moremotorinsuranceclaimsweresubmittedfromLombardythanfromLazioinItalyin2022.In2022,justover450,000claimsweresubmittedbymotorinsuranceholdersintheregionthatincludesMilan,whereasonly300,000claimsweresubmittedfromtheregionthatishometothecapitalcityofRome,Lazio.ThisdisparityisunsurprisinggiventhedifferenceinGDPbetweenthetwoItalianregions.ReadmoreNote(s):Italy;2021and2022Source(s):Istitutoperlavigilanzasulleassicurazioni-IVASSAveragemotorinsuranceclaimsizeinItalyfrom2009to2022(ineuros)AveragemotorinsuranceclaimsizeinItaly2009-20226,0004,9184,8665,0004,0003,0002,0001,00004,7374,5644,5324,4954,4674,3454,3744,3264,3614,3474,0573,9032009201020112012201320142015201620172018201920202021202224Description:TheaveragemotorinsuranceclaiminItalyincreasedoverallsince2012.Inthatyear,theaverageclaimcostinsuranceprovidersapproximately4,495euros.Inthefollowingyears,thisfigureincreased,reachingnearly4,900eurosin2022.

ReadmoreNote(s):Italy;2009to2022Source(s):ANIAMotorinsuranceclaimsfrequencyrateinItalyfrom2009to2022MotorinsuranceclaimsfrequencyinItaly2009-20229%7.77%8%7%6%5%4%3%2%1%0