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www.insuranceprofile.ro Year XIII - no.

3/2015 (48)

1H 2015
REZULTATE PRELIMINARE
PRELIMINARY RESULTS
1H 2015 ROMANIA

Year XIII - no. 3/2015 (48)

Published by Media XPRIMM ISSN 1841-740X NOTA EDITORULUI NOTE FROM THE EDITOR
OFFICES Datele economice supuse analizei au fost furnizate de companiile The economic data submitted to the analysis have been supplied by
Str. Horei nr. 15 - 17, Sector 2, 021377 Bucureşti, ROMÂNIA de asigurări. Datele NU SUNT AUDITATE de companii de audit the insurance and insurance brokerage companies. The data ARE NOT
Tel.: 0040 21 252 46 72, Fax: 0040 21 252 46 73 financiar şi NU SUNT GARANTATE de Comisia de Supraveghere a AUDITED by professional financial auditors and they are note guaranted
e-mail: insuranceprofile@insuranceprofile.ro Asigurărilor. by the Insurance Supervisory Authority.
Presse Internationale des Assurances

Member since 2003

PIA is an international organisation founded by the insurance


press, in 1954, in Paris. The members are most representative insurance
publications from Austria, Belgium, Bulgaria, Czech Republic, Croatia,
Finland, France, Germany, Greece, Hungary, Italy, the Netherlands,
Poland, Portugal, Romania, Slovakia, Spain, Switzerland, United
Kingdom and the United States of America.

EDITOR IN CHIEF EDITORIAL DIRECTOR


Alex ROŞCA Daniela GHEŢU
EDITION RESPONSIBLE
Vlad BOLDIJAR
EDITORS
Oleg DORONCEANU, Mihai CRĂCEA
Olesea ADONEV, Adina TUDOR, Andreea RADU
CONSULTANTS
Mihaela CIUNCAN, Cristina DUCULESCU
ART DIRECTOR
Claudiu BĂJAN CUM SĂ ÎNŢELEGEM: HOW TO UNDERSTAND:
Graphic Designer TABELE CHARTS
Sabin VÂNĂ
1.Companiile de asigurări ne-au furnizat rezultatele financiare în 1. The insurance companies provide us their results in RON. The results
ADVERTISING RON. Rezultatele exprimate în EUR pentru fiecare perioadă analizată expressed in EUR for each analyzed period are generated using the
Cătălin ENACHE au fost generate utilizând rata medie de schimb comunicată de average exchange rate presented by the National Bank of Romania for
Banca Naţională a României pentru perioada analizată. the analyzed period.
EDITORIAL SECRETARY
2.Evoluţia nominală în monedă europeană a fost calculată în funcţie 2. The EUR nominal evolution is calculated by reporting the results in
Dana ZAHARIA
de cursul RON/EUR pentru perioada analizată. the European currency for the analyzed period.
PRESIDENTCEO 3.Evoluţia reală a RON a fost calculată comparând rezultatele în 3. The real RON evolution is calculated by comparing the results in the
Sergiu COSTACHE Adriana PANCIU RON din perioada corespondentă a anului precedent cu rezultatele national currency from the analyzed period with the actualized results
MANAGING PARTNER actuale, utilizând rata inflaţiei pentru perioada respectivă. using the inflation rate of the respective period of the previous year.
Alexandru D. CIUNCAN 4.”-” valoarea indicatorului a fost 0 în perioada analizată, sau 4. “ - “ the indicator’s value was “0” during the analyzed period, or the
respectiva companie nu a furnizat date sau nu a existat nici o insurance company does not provide that type of insurance or there
DEVELOPMENT DIRECTOR informaţie despre respectivul indicator în perioadele precedente. wasn’t any information about the indicator in the previous periods.
Mihaela CÎRCU
5.”0.00” - valoarea indicatorului respectiv este mai mică de 0,005, 5. “0.00” – the value of the indicator is lower than “0.005” but exceeds
CUSTOMER RELATIONS DIRECTOR dar depăşeşte valoarea 0. the value “0”.
Georgiana OPREA 6. Valoarea din cadrul liniei de TOTAL reprezintă suma indicatorilor 6. The values within the “TOTAL” row represent the sum of all available
PR COORDINATOR furnizaţi de companii. indicators for each company.
Oana RADU
TOPUL COMPANIILOR DE BROKERAJ TOP INSURANCE MEDIATION COMPANIES
XPRIMM TV Coordinator 1. Clasamentele alcătuite cuprind toate companiile de intermediere 1. The tops include all insurance brokers that responded to our inquire.
Camelia ANGELESCU în asigurări care au răspuns la solicitarea noastră de a furniza datele
2. The companies from the mediated premiums TOP 10, released by
TECHNICAL SUPPORT necesare.
the Insurance Supervisory Commission that haven’t provided us with
Octavian GRIGOR - IT Coordinator 2.Pentru companiile din TOP 10 în funcţie de volumul de prime the results for the analyzed period are included in the charts with
Dorin PALADE , Cosmin ARMĂȘESCU intermediate care nu ne-au furnizat datele financiare pentru perioada estimates. The estimates made for these companies are proportional
Loredana MANOLACHE, Florin TURICĂ, analizată au fost realizate estimări. Estimările pentru companiile with the market’s average growth.
George MARE menţionate sunt proporţionale cu creşterea medie a pieţei.
3. Please take into consideration that the values shown in the “MARKET
Head of Accounting Department 3. Valorile indicate în TOTALUL PIEŢEI sunt estimări realizate pe baza TOTAL” are estimates of the editorial team based on the average growth
Geta HOGEA creşterii medii a intermedierilor realizate de companiile care ne-au of the companies that provided us with their financial results.
furnizat datele financiare.
PREPRESS and PRINTING For suggestions and additional information please contact us at:
Pentru sugestii şi informaţii suplimentare vă rugăm să ne
MasterPrint Super Offset - Phone: 004 021 223 04 00 contactaţi la: insuranceprofile@insuranceprofile.ro insuranceprofile@insuranceprofile.ro .

Media XPRIMM a depus toate eforturile pentru a asigura Although Media XPRIMM has made every effort to ensure the
acurateţea informaţiilor cuprinse în revistă. Redacţia sau co- accuracy of this publication, neither it or any contributor can
laboratorii nu pot fi consideraţi răspunzători pentru urmările accept any legal responsibility whatsoever for ­consequences
unor erori sau omisiuni, pentru opiniile sau punctele de ve- that may arise from errors or ommisions or from any opinions or
dere formulate în articole sau pentru consecinţele acţiunilor advice given, as well as for the actions or decisions taken based
sau deciziilor luate de terţi pe baza conţinutului articolelor. on the articles content.
Reproducerea conţinutului acestei publicaţii este permisă Reproducing the contents of this publication in any manner is
numai cu acordul scris al Media XPRIMM. prohibited without the prior consent of the publisher.
Edition closing at: OCTOBER 1 st, 2015

www.insuranceprofile.ro 1 Year XIII - no. 3/2015 (48)


S1 2015 ROMANIA

SUMAR

Rezultate preliminare S1 2015


PIAŢA ASIGURĂRILOR
Un altfel de top 4
Alex ROȘCA
Cel mai mare nivel din ultimii 5 ani! 9
Editor in Chief
Total piaţă 10
Asigurări de viaţă 14
Asigurări generale
Total asigurări auto
16
18 Sunt cifrele
CASCO
RCA
19
20 pieței,
monotone?
Total asigurări de tip property 21
Incendiu şi calamităţi naturale 22
Daune la proprietăţi 23
Accidente şi boală  24
Sănătate  25
La prima vedere cifrele pieței par a fi devenit plictisi-
Răspundere civilă generală 26
toare. Rutina a devenit constanta trimestriala: RCA taie și
Asistenţă turistică  27 spânzură în domeniu. Mărirea dar și decăderea pieței au
Asigurări de credite 28 aceeași sursă: același RCA!
Asigurări de garanţii 28 Fiecare trimestru ne “surprinde” printr-o pondere din
Portofoliile companiilor de asigurări 30 ce în ce mai mare a RCA, creșterea datorată aceleiași clase
și… bineînțeles, preocuparea pentru pierderile pe care le
aduce. Bucuria creșterii conjuncturale a cotei de piață e di-
rect proporțională cu activitatea pe RCA.
Anul acesta o companie a urcat 4 poziții în clasament.
96% din ascensiune se datorează tot răspunderii civile
auto pentru că, atât reprezintă RCA în portofoliul respec-
tivului asigurător. Altă companie a căzut 3 poziții pentru
PIAŢA DE BROKERAJ că a scăzut cu 20% pe o clasă de asigurări ce reprezintă
aproape 90% din businessul său. Un asigurător părăsește
Spre pragul de 60% din piață 32
piața.
Total piaţă 33
Situațiile de mai sus ar trebui să rupă monotonia unei
Structura primelor brute subscrise/intermediate 34 industrii. Ar trebui să conducă la răspunsuri diferite pentru
Asigurări de viaţă 35 aceleași întrebări care, an de an, trimestru de trimestru, pri-
Asigurări generale 36 mesc aceleași răspunsuri.
Asigurări auto 37 Din păcate, contextul general rămâne plictisitor legat
de RCA. Nu e prima oară când ne întrebăm: până când?
Asigurări property 40
O altă întrebare clișeu: cum va arăta piața? Astăzi, aceasta
Răspundere civilă generală 43 este o întrebare mai dificilă ca niciodată.
Credite şi garanţii 44 Contextul ne arată ca a devenit din ce în ce mai greu
Indicatori financiari 45 să aflăm cifrele trecutului imediat… așa că, ar trebui să ne
Portofoliile companiilor de brokeraj 46 bucurăm de cifrele monotone pe care le avem… atât cât
Portofoliul de prime intermediate, după companiile de mai putem!
50
asigurare care au subscris riscurile
Venituri 52
Portfoliu clienți 52

2 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

SUMMARY

1H 2015 preliminary results


INSURANCE MARKET
Another kind of ranking 4
The highest level with in five years! 9
All insurance lines 10
Life insurance 14

Can we talk Non-life insurance


Overall motor insurance
16

about boring
18
Motor Hull
19

figures? MTPL
Overall property insurance
20

21
Fire and allied perils
22
At first glance the analyzed market figures seem to
have become dull. The routine became constant quarterly: Damages to property
23
MTPL cut and hang the art. The rising or the fall of the mar-
ket own the same source: MTPL! Accident and illness
24
Each quarter we are “surprised” by a MTPL share in-
Health insurance 25
creasingly larger, increased due to the same class and ...
of course, concern for the losses it brings. The cyclical hap- GTPL insurance 26
piness of market share rising for each company is directly Travel insurance 27
proportional to the MTPL results. Credit insurance 28
This year one company has climbed four positions in Warranties insurance 28
the ranking. 96% of the rise is due to the mandatory motor
Insurance companies’ portfolios 30
insurance for that insurer that represents the percentage
held by MTPL portfolio. Other company fell 3 position, has
decreased by 20% in one class which represents almost MEDIATION MARKET
90% of its business. Of course, again it’s MTPL. Another in-
Towards 60% of the total market 32
surer leaves the market.
All insurance lines 33
The above statements should break the monotony
of this industry. It should lead to different answers to the Structure of gross written/mediated premium 34
same questions year after year, quarter by quarter are get- Life insurance 35
ting the same statements. Non-life insurance 36
Unfortunately, the general frame remains boring tied Motor insurance 37
by MTPL. It’s not the first time we wonder how long?
Property insurance 40
Another cliché question: how will the market look like?
Today, it is a more difficult question than ever. GTPL insurance 43
The context indicates that it has become increasingly Credit and warranties 44
difficult to find the market figures of immediate past ... so Financial indicators 45
we should enjoy monotone figures we have ... as long as Insurance brokers’ portfolios 46
we are still allowed to! Portfolio of mediated premiums of the insurance
50
companies that underwrote the risks
Incomes 52
Customers portfolio 52

Year XIII - no. 3/2015 (48) 3


S1 2015 ROMANIA

Un altfel de top Another kind of


ranking
Ne-am obișnuit în ultima vreme cu Lately we have got used to all sorts of rankings, including by the
tot felul de topuri inclusiv din partea Financial Supervisory Authority. Such a ranking is the one dealing
Autorității de Supraveghere Financiară. with the most complained about insurance companies, so to say
Un astfel de top este și cel privind cele a top of shame, drawn up based on the petitions received, but
mai reclamate societăți de asigurare, un which has none of the relevance and importance granted to it, as
top ca să spunem așa al rusinii, întocmit it will be shown in what follows.
pe baza petițiilor primite, dar care, așa The right to petition is granted by the constitution and is reg-
cum vom arăta, nu are nici pe departe ulated through the Government Ordinance no. 27/2002 on
relevanța și importanța care i se acordă. the regulation of the petition solving activity; approved with
Avocat Liviu Chiric, Dreptul la petiție este consacrat amendments and additions through Law no. 233/2002 and, not
SCA Chiric & Chiric constituțional și este reglementat prin lastly, through the Norm no. 24/2014 (former Order 11/2012)
Ordonanţa Guvernului nr. 27/2002 on the solving procedure for petitions dealing with the insurers’
privind reglementarea activităţii de soluţionare a petiţiilor, and insurance intermediaries’ activity, issued by the Financial
aprobată cu modificări şi completări prin Legea nr. 233/2002 și Supervisory Authority.
nu în ultimul rând prin Norma nr.24/2014 (fostul Ordin 11/2012) Thus, as it is defined by OG 27/2002, through petition it is under-
privind procedura de soluţionare a petiţiilor referitoare la stood the request, complaint, notice or proposal made in writing
activitatea asigurătorilor şi brokerilor de asigurare emisă de or electronically, through which a citizen or a legally formed or-
Autoritatea de Supraveghere Finaniciară. ganization can address it to the central and local authorities and
Astfel cum este definită de către OG 27/2002, prin petiţie public institutions, to the decentralized public services of minis-
se înţelege cererea, reclamaţia, sesizarea sau propunerea tries and other central bodies, county or local level national com-
formulată în scris ori prin poştă electronică, pe care un cetăţean panies and trading firms, as well as autonomous administrations,
sau o organizaţie legal constituită o poate adresa autorităţilor şi named public authorities and institutions hereafter.
instituţiilor publice centrale şi locale, serviciilor publice descen- Therefore, the petition regards the public authorities and institu-
tralizate ale ministerelor şi ale celorlalte organe centrale, compa- tions, not private law companies.
niilor şi societăţilor naţionale, societăţilor comerciale de interes Basically by issuing Norm 24/2014 the obligations exceeding the
judeţean sau local, precum şi regiilor autonome, denumite în legal framework in force are transferred to private companies.
continuare autorităţi şi instituţii publice.
The complaints and any other kind of issues, of commercial, ad-
Prin urmare petiția privește autorități și instituții publice nu și ministrative or legal nature, between insurance companies and
societăți sau companii de drept privat. their clients are solved based on the common law. The interfer-
Odată cu intrarea în vigoarea a Normei 24/2014 practic se ence of a public authority in such issues causes to abuses by the
transferă în sarcina unor companii private obligații care exced supervisory authority, as it was revealed by practice as well. At
cadrului legal existent. Plângerile și orice altfel de probleme fie de the same time, from a legal point of view, no insurance company
natura comercială, administrativă sau juridică dintre companiile can be obliged by the supervisory authority to execute the obli-
de asigurări si clientii lor se rezolvă în baza dreptului comun, imix- gations in an insurance contract. These can only be realized by
tiunea unei autorități publice în astfel de chestiuni dând naștere appealing to law courts or other alternative forms of litigation
așa cum a reieșit și din practica la abuzuri din partea autorității de settlement provided by the law, which the petition is not part of.
supraveghere. Totodată, din punct de vedere juridic nici o soci-
In contrast to the ranking drawn up by ASF and in support of the
etate de asigurare nu va putea fi obligată de către autoritatea de
above, we suggest another ranking for the insurance compa-
supraveghere să execute obligațiile dintr-un contract de asigu-
nies: a top of litigations they have been involved in throughout
rare, aceasta putandu-se realiza doar apelând la instanțele de
Romanian law courts. You will be able to notice easily that the
judecată sau la alte forme alternative de soluționare a litigiilor
number of litigations in which insurance companies are parties,
prevăzute de lege și între care petiția nu se află .
as plaintiffs or defendants, reveal a much more loyal image of the
Vă propun, în contrateză cu topul propus de ASF și în
reality most of us know, a reality which does not flatter some of
susținerea celor de mai sus, un altfel de top al societăților de asig-
the financial institutions in the field of insurance, but which has
urare. Un top al litigiilor pe care acestea le au pe rolul instanțelor
been perpetuated to the breaking point where ASTRA, under the
de judecată din România. Veți putea observa cu ușurință că
lenient observation of ASF, which was concerned with quantify-
numărul de litigii în care societățile de asigurări figurează ca părți,
ing the petitions rather than taking the required measures.
fie în calitate de reclamante fie în calitate de pârâte, relevă o im-
agine mult mai fidelă a realității pe care o cunoșteam majoritatea, I mention that the information on which were based the situa-
o realitate care nu face cinste unor instituții financiare din dome- tions below are also in possession of ASF in a monthly updated
niul asigurărilor dar care s-a perpetuat, până la punctul culminant and more detailed form as, according to the RP/57339/2012 and
în cazul ASTRA, sub privirile îngăduitoare ale ASF care a stat să RP/B-39662/2013 addresses by ASF (ex-CSA) and to the old regu-
numere petițiile în loc să ia masurile ce se impuneau. lations suspended in the meantime, the insurance companies

4 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Fac precizarea că informațiile care au stat la baza întoc- were and are still obliged to draw up and transmit electronically
mirii situațiilor de mai jos sunt și în posesia ASF într-o formă monthly reports on the situation of pending litigations in law
actualizată lunar și mult mai detaliată, întrucât conform adreselor courts.
RP/57339/2012, RP/B-39662/2013 ale ASF (fost CSA) și a vechilor Since the starting of the Insurance Supervisory Commission until
reglementări abrogate între timp, societățile de asigurări au fost the present, when the attributions of the previous commission
și sunt obligate în continuare să întocmească și să transmite în were undertaken by ASF, information regarding statistical data
format electronic rapoarte lunare privind situația litigiilor aflate in relation to the litigations in which insurance companies are in-
în curs de soluționare pe rolul instanțelor de judecată. volved was not disclosed.
De la consituirea Comisiei de Supraveghere a Asigurărilor și I believe it would have been useful, if not truly necessary, that
până în prezent, cand atribuțiile fostei comisii au fost preluate these data be made public for providing objective information
de ASF, nu au fost date publicității informații cu privire la datele on the contractual behavior that some insurance companies
statistice privind litigiile în care societățile de asigurări sunt im- have with their injured insured or third parties.
plicate. Thus, as it can be seen from the figures published, there is a con-
Cred ca ar fi fost util daca nu chiar imperios necesar ca aceste nection between the real dimension of the behavior of an insur-
date să fie cunoscute publicului larg, în vederea informării aces- ance company towards their clients, quantified in cases pending
tuia in mod obiectiv, cu privire la conduita contractuală pe care in law trials, and the number of petitions/complaints addressed
unele societăți de asigurare o au față de asigurații lor sau terții to them. If, after entering in force of Order 11/2012, it seemed
păgubiți. there was a working institutional framework through which
Astfel cum se poate vedea din cifrele publicate exista o leg- the interested people could take advantage of their rights, but
atura intre dimensiunea reala a comportamentului unor societăți which, as data show, did not have the expected effect, subse-
de asigurare față de clientii lor cuantificate în dosare aflate pe quently the insured took the decision to appeal to justice. It is
rolul instanțelor si numărul de petiții/reclamații la adresa aces- very obvious that when one seeks to take advantage of a right,
tora. Dacă după intrarea în vigoare a Ordinului 11/2012 s-a justice seems to be the right answer, especially that this step is
creat aparența unui cadru instituțional prin care asigurații sau subject to strict procedural conditions, such as the prescription
persoanele interesate își puteau fructifica drepturile dar care, deadline by which one can request the court to oblige an insur-
așa cum releva datele, nu a avut efectul scontat, ulterior însă ance company or other kind of company to fulfill the contractual
asigurații au luat decizia de apela la justiție.. Este de domeniul and legal obligations they assumed.
evidenței că atunci cand vrei sa iti fructifici un drept, te adresezi Taking into account that it is the first time when such a statis-
instanței, mai ales ca acest demers este supus unor conditii pro- tical analysis of the data mentioned above has been carried
cedurale stricte, cum ar fi termenul de prescripție pana la care out and due to the high volume of data, we decided to extract
poti cere unei instante obligarea unei societăți de asigurare și nu data only for the first 10 companies working in general insur-
numai la îndeplinirea obligațiilor contractuale și legale pe care și ance as of December 31st, 2014. The data were taken from the
le-a asumat etc. law courts portal, made available by the Ministry of Justice, and

Situație generală, dosare aflate pe rolul Situație generală, dosare aflate pe rolul
instanțelor (2010 - septembrie 2015) instanțelor în care societățile de asigurare
General situation, pending cases figurează ca pârât
(2010 – September 2015) General situation, pending cases in which
insurance companies are defendants
Nr. Societate / An 2010 2011 2012 2013 2014 sep.15 Nr. Societate / An 2010 2011 2012 2013 2014 sep.15
No. Company / Year 2010 2011 2012 2013 2014 sep.15 No. Company / Year 2010 2011 2012 2013 2014 sep.15
1 OMNIASIG 8,445 13,251 12,046 9,625 13,000 6,324 1 EUROINS 3,317 4,110 4,167 4,770 6,266 2,691
2 ASTRA 4,182 7,098 11,065 11,783 14,915 8,456 2 ASTRA 1,167 2,614 4,574 4,671 6,695 5,013
3 ALLIANZ - ȚIRIAC 3 CARPATICA 2,299 4,720 4,149 1,888 1,077 808
6,514 7,544 6,538 5,954 5,590 2,899
ASIGURARI
4 CITY INSURANCE 1 3 128 828 1,879 2,804
4 EUROINS 4,348 6,414 7,908 7,816 10,335 3,958
5 OMNIASIG 546 844 1,211 1,065 1,135 640
5 CARPATICA 3,804 7,282 7,184 4,887 4,533 2,288
6 UNIQA 526 876 682 604 630 392
6 ASIROM 4,155 4,471 4,653 4,057 4,020 2,328
7 ASIROM 486 405 601 748 669 620
7 GROUPAMA 2,540 4,173 4,144 6,609 14,214 5,347
8 GROUPAMA 372 404 403 375 460 265
8 UNIQA 2,156 3,207 3,558 4,272 5,241 1,992
9 ALLIANZ - ȚIRIAC
223 309 336 364 531 362
9 GENERALI 1,891 3,197 3,518 2,213 454 1,303 ASIGURARI
10 CITY INSURANCE 16 18 172 1,038 2,328 3,207 10 GENERALI 163 389 532 384 103 219
  TOTAL: 38,051 56,655 60,786 58,254 74,630 38,102   TOTAL: 9,100 14,674 16,783 15,697 19,445 13,814

Year XIII - no. 3/2015 (48) 5


S1 2015 ROMANIA

Având în vedere că este pentru prima oara când se face o ast- were grouped by the total number of files in which the insurance
fel de analiză statistică a datelor mentionate mai sus, ne-am limi- companies were parties, and by the number of files in which the
tat pentru început datorită volumului mare de date, sa extragem
insurance companies are defendants. All these data were corre-
informatiile doar pentru primele 10 companii care practică
asigurări generale la 31.decembrie 2014. Datele furnizate au fost lated with the market share owned during the reference year in
preluate din portalul instanțelor pus la dispoziție de Ministerul order to obtain as objective a picture as possible.
Justitiei, acestea fiind grupate pe număr total de dosare în care
At the same time, it needs to be mentioned that the mere quality
societățile de asigurare figurează ca parte, număr dosare în care
of defendant in a file does not mean this is guilty until the de-
societățle de asigurare figurează ca pârât. Toate acestea le-am
raportat la cota de piata deținută in anul de referinta pentru a finitive decision is not given by the law court. For the moment no
putea avea o imagine cât mai obiectivă. qualitative analysis of the definitive settlement has been carried
Totodată trebuie precizat că simpla calitate de pârât într-un out for the files in which insurance companies are parties, this
dosar nu înseamna că asistăm la o culpa din partea acesteia până
being the subject of our future material.
la rămânerea definitivă a hotărârii pronunțate în cauza respectivă.
Momentan nu am facut și o analiză calitativă a solutiilor defini- The figures are not absolute as for technical reasons the files in
tive a dosarelor în care societățile de asigurare figurează ca parte, which the names of the parties were wrongly typed in the court
aceasta făcând subiectul unui material viitor. ECRIS system were omitted. The same went in the cases in which,
Cifrele nu sunt absolute, întrucât din considerente tehnice
for procedural reasons, these had not been recorded into the sys-
au fost omise dosarele în care numele părților a fost scris eronat
în sistemul ECRIS al instanțelor sau în situațiile în care din con- tem, for example, the criminal files in which the insurers are not
siderente pur procedurale acestea nu au fost înregistrate în sis- mentioned as parties in the first instance – the trial court, but are
tem. Dau aici exemplul dosarelor penale în care asigurătorul nu subsequently introduced into the trial. However, later on, only to
figurează ca parte în prima instanță - la fond, el fiind introdus ul-
the extent that they are not happy with the first instance settle-
terior în cauza. Ulterior însă, numai în măsura în care acesta este
nemulțumit de soluția de la fond el va figura ca parte în apelul/ ment will they show as a party in the appeal they will initiate.
recursul ce îl va formula. It should be mentioned that no comment will be made concern-
Facem precizarea că nu vom face nici un fel de comentariu ing the figures published in tables and graphs as they are quite
cu privire la cifrele publicate în tabele și graficele ele însele fiind
self-explanatory.
suficient de grăitoare.
Așteptăm din partea Autorității de Supraveghere Financiară o We are expecting a reply on behalf of the Financial Supervisory
replică pe această temă, cel puțin la nivel de date statistice Authority on this topic, at least at the level of statistical data

Dosare aflate pe rolul instanțelor în care societățile de asigurare figurează ca pârât, procentual
din total
General situation, pending cases in which insurance companies are defendants, percentage
out of the total
GENERALI 2%

EUROINS  28%

ASTRA 28%

CARPATICA 17%

CITY INSURANCE 6%

OMNIASIG 6%

UNIQA 4%

ASIROM 4%

GROUPAMA 3%

ALLIANZ TIRIAC ASIGURARI 2%

6 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Situație procentuală, dosare aflate pe rolul instanțelor reclamant/pârât


Percentage situation, pending cases in which insurance companies are defendants
2010 2011 2012 2013 2014 sep.15
Nr. Societate / An
recl % %parat recl % %parat recl % %parat recl % %parat recl % %parat recl % %parat
2010 2011 2012 2013 2014 Sept. 15
No. Company / Year plaintiff % plaintiff % plaintiff % plaintiff % plaintiff % plaintiff %
% defendant % defendant % defendant % defendant % defendant % defendant
1 EUROINS 4.11 95.89 10.59 89.41 18.49 81.51 4.92 95.08 4.99 95.01 7.91 92.09
2 ASTRA 47.17 52.83 36.09 63.91 32.63 67.37 33.32 66.68 23.39 76.61 21.54 78.46
3 CARPATICA 5.89 94.11 3.81 96.19 4.11 95.89 11.32 88.68 43.55 56.45 41.79 58.21
4 CITY INSURANCE 75.00 25.00 40.00 60.00 4.48 95.52 5.48 94.52 1.52 98.48 0.53 99.47
5 OMNIASIG 75.10 24.90 83.13 16.87 80.90 19.10 76.02 23.98 83.78 16.22 84.73 15.27
6 UNIQA 59.13 40.87 51.87 48.13 66.97 33.03 77.31 22.69 75.75 24.25 72.70 27.30
7 ASIROM 71.91 28.09 77.91 22.09 74.19 25.81 60.09 39.91 69.52 30.48 52.23 47.77
8 GROUPAMA 63.60 36.40 75.71 24.29 75.58 24.42 77.59 22.41 83.21 16.79 81.91 18.09
9 ALLIANZ TIRIAC
95.11 4.89 93.12 6.88 92.49 7.51 90.91 9.09 86.32 13.68 83.40 16.60
ASIGURARI
10 GENERALI 87.68 12.32 81.07 18.93 69.81 30.19 58.22 41.78 63.21 36.79 76.75 23.25

Situație număr dosare aflate pe rolul instanțelor în care societățile de asigurare figureaza ca
pârât raportat la PBS (EURO)
Situation of the number of pending cases in which insurance companies are defendants in
proportion to each one’s GWP (EURO)
T1 2014 T1 2013 T1 2012 T1 2011 T1 2010
Compania Nr de dosare calitate parat Nr de dosare calitate parat Nr de dosare calitate parat Nr de dosare calitate parat Nr de dosare calitate parat
raportat la PBS raportat la PBS raportat la PBS raportat la PBS raportat la PBS
T1 2014 T1 2013 T1 2012 T1 2011 T1 2010
Company No. of cases defendants in No. of cases defendants in No. of cases defendants in No. of cases defendants in No. of cases defendants in
proportion to GWP proportion to GWP proportion to GWP proportion to GWP proportion to GWP
ALLIANZ-TIRIAC 107,684 150,082 156,131 195,178 299,058
ASTRA Asigurari 8,105 15,678 14,930 30,084 68,672
CARPATICA Asig 33,890 15,201 3,567 2,140 11,131
GROUPAMA Asigurari 72,826 107,387 99,355 100,866 127,124
ASIROM VIG 49,417 44,786 65,890 117,259 83,148
EUROINS Romania 4,261 6,809 6,292 2,732 6,111
UNIQA Asigurari 41,159 51,937 33,651 26,815 53,080
GENERALI Romania 241,165 63,828 59,718    
CITY Insurance 11,921 19,493 250,703 3,563,333 2,980,000

Year XIII - no. 3/2015 (48) 7


S1 2015 ROMANIA

Grafic dosare aflate pe rolul instanțelor raport reclamant/pârât


Graph pending for defendants report
50,000
45,000 43,367
40,000
35,000 30,588 Total dosare / Total no. of cases
30,000 26,524 26,458
25,000 23,324 Calitate parat / Defendants
20,000 17,522 17,466
15,000 13,193 10,829
10,000
5,000 1,242
0
INS

ICA

IG

IQA

MA

LI

CE
AR
TR

RA
IRO
IAS

AN
AT

PA
RO

UR
UN
AS

NE
N

UR
AS
RP

OU
EU

SIG
OM

GE
CA

NS
GR

YI
IAC

CIT
TIR
NZ
LIA
AL
Situație comparativă dosare instanță/petiții (2013-2015)
Comparative situation of pending cases/petitions (2013-2015)
2013 2014 sep.15
Nr. Societate / An
nr dosare parati nr petitii nr dosare parati nr petitii nr dosare parati nr petitii
2013 2014 sep.15
No. Company / Year
No. cases defendants No. petitions No. cases defendants No. petitions No. cases defendants No. petitions
1 EUROINS 4,770 4,280 6,266 4,269 2,691 905
2 ASTRA 4,671 3,358 6,695 3,128 5,013 1,096
3 CARPATICA 1,888 666 1,077 637 808 483
4 CITY INSURANCE 828 626 1,879 855 2,804 707
5 OMNIASIG 1,065 1,372 1,135 815 640 378
6 UNIQA 604 991 630 974 392 253
7 ASIROM 748 835 669 738 620 558
8 GROUPAMA 375 335 460 239 265 135
9 ALLIANZ TIRIAC ASIGURARI 364 371 531 454 362 215
10 GENERALI 384 202 103 166 219 118
  TOTAL: 15,697 13,036 19,445 12,275 13,814 4,848

Evolutie număr dosare în care societățile de asigurare au calitatea de pârâte și numărul de


petiții/reclamații
Evolution of the number of cases in which insurance companies have been defendants and
number of petitions/complaints
25,000

20,000 19,445
Dosare
15,697 Petitii
15,000 13,814

25,000
12,275
10,000

5,000
4,848

0
2013 2014 Sept.2015

8 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Primul semestru al anului aduce pieței locale cel During the first half of the year local market brings
mai mare volum al subscrierilor din ultimii 5 ani. the highest volume of GWP during the last 5 years.
Cu subscrieri de 178 milioane EUR pe segmentul With underwritings of EUR 178 million on the life
asigurărilor de viață la care se adaugă 793 mil- insurance segment plus EUR 793 million gross
ioane EUR prime brute subscrise din clasele de written premiums for non-life insurance classes,
asigurări generale, piața locală a realizat un volum local market achieved a premium volume of 971
al primelor ce 971 milioane EUR, cel mai mare din million EUR, the highest in the past 5 years.
ultimii 5 ani.

Cel mai mare nivel The highest level


din ultimii 5 ani! with in five years!
81,4 milioane EUR este plusul pe care l-au realizat asigurătorii EUR 81.4 million is the extra amount added by Romanian insurers
români față de prima jumătate a anului trecut. Așadar, nu doar că to the first half of last year. So, not only nominal developments
evoluția nominală a condus piața la cel mai înalt nivel al ultimilor led to market’s highest level from the past five years but, we no-
5 ani dar, consemnăm în perioada anlizată cea mai mare creștere tice the highest absolute growth during the last 7 first halves of
din ultimii 7, pentru perioadele similare ale fiecărui an. each year.
În timp ce prima jumătate a anului 2009 aducea o scădere de While the first half of 2009 brought a decrease of EUR 100 mil-
peste 100 milioane EUR, iată că, încetinirea scăderii din ultimii ani lion, behold, slowing decline in recent years culminating in euros
culminând cu creșterea în monedă europeană de peste 9% din increased by over 9% this year to these figures.
acest an la aceste rezultate. Combined with favorable macroeconomic environment seems
Coroborate cu mediul macroeconomic ce pare favorabil figures for the first half of the year seem to impart some excite-
cifrele primei jumătăți de an par a ne îndemna la un oarecare ment. But in this context we come to ask: Is it better for a healthy
entuziasm. Dar, în acest context ajungem să ne întrebăm: oare market stagnation or an increase overwhelmingly due to MTPL?
e mai bună pentru o piață o stagnare sănătoasă sau o creștere The coming years will give us the answer, however, the figures

Portofoliul de asigurări consolidat Evoluţia asigurătorilor de viaţă/non-viaţă


Consolidated insurance portfolio în termeni cantitativi
Evolution of life/non-life insurers
Asigurări de viaţă
Life insurance
Asigurări generale
18.34%

81.66%
daune la proprietăţi
damages to propery
2.04%
in quantitative terms
casco19.09%
General insurance motor hull
Total asigurări de tip property 13.27% rca38.64%
Overall property insurance compulsory mtpl 1,000 EUR m. Non-Viaţă /Non-Life
Total auto 57.74% răspunderi civile 3.36%
Motor Viaţă/ Life
974

liability
garanții1.89%
900
898

accidente şi boală 1.50%


accident and sickness warranties
848

incendii şi calamităţi naturale 11.23% alte clase 3.91% 800


other lines
793

793

fire and allied perils


761

761

700
725

600

500
EUR 400
971
m. 300
228

200
200

198
193
192
187

165

178

100
S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H
2008 2009 2010 2011 2012 2013 2014 2015

Year XIII - no. 3/2015 (48) 9


S1 2015 ROMANIA

Total Piaţă | All Insurance Lines


Nr. Compania PRIME BRUTE SUBSCRISE PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
S1 2015 S1 2014 Evoluţie Evoluţie S1 2015 S1 2014 S1 2015 S1 2014 (%)
nominală reală în
mil. EUR mil. RON mil. EUR mil. RON în EUR RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company GROSS WRITTEN PREMIUM PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share (%)
1H2015 1H2014 Nominal Real 1H2015 1H2014 1H2015 1H2014
change in change in
EUR m. RON m. EUR m. RON m. EUR RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 ALLIANZ-TIRIAC 118.51 527.05 110.06 491.38 7.67 8.95 - - - - 49.34 219.42 - - 12.20 12.37
2 OMNIASIG VIG* 102.91 457.66 85.88 383.42 19.82 21.24 - - - - 54.62 242.92 91.31 407.65 10.59 9.65
3 ASTRA Asigurari* 99.13 440.88 90.29 403.12 9.79 11.09 - - 24.27 108.34 60.80 270.40 - - 10.20 10.14
4 GROUPAMA Asigurari 86.56 384.98 72.59 324.10 19.24 20.66 3.28 14.61 3.66 16.34 49.67 220.92 53.87 240.52 8.91 8.16
5 EUROINS Romania 81.37 361.88 50.23 224.25 62.00 63.92 - - - - 59.94 266.59 37.33 166.66 8.38 5.64
6 NN Asigurari de Viata* 69.40 308.67 66.30 295.99 4.69 5.93 - - - - - - 2.97 13.25 7.14 7.45
7 ASIROM VIG 69.12 307.41 64.34 287.26 7.43 8.70 25.93 115.31 - - 43.93 195.37 44.91 200.50 7.11 7.23
8 CARPATICA ASIG 57.84 257.26 68.37 305.22 -15.39 -14.39 1.45 6.45 1.35 6.05 41.62 185.12 39.93 178.26 5.95 7.68
9 GENERALI Romania* 52.76 234.64 50.86 227.07 3.73 4.96 - - 11.81 52.75 30.89 137.37 23.83 106.38 5.43 5.71
10 CITY Insurance 47.02 209.13 42.34 189.04 11.06 12.37 31.69 140.96 29.41 131.28 24.12 107.29 18.57 82.91 4.84 4.76
11 UNIQA Asigurari* 36.47 162.22 47.58 212.42 -23.34 -22.43 - - 23.13 103.28 39.49 175.61 58.68 261.97 3.75 5.35
12 METROPOLITAN Life* 25.83 114.87 28.84 128.75 -10.44 -9.38 - - - - - - - - 2.66 3.24
13 BCR Asigurari de Viata VIG* 23.70 105.41 16.43 73.34 44.29 46.00 - - 1.80 8.03 - - 2.06 9.20 2.44 1.85
14 PAID 12.85 57.14 12.74 56.87 0.85 2.04 3.27 14.56 3.28 14.64 0.54 2.42 0.11 0.48 1.32 1.43
15 AIG Europe 10.71 47.65 7.30 32.60 46.73 48.47 5.09 22.63 - - 1.27 5.63 0.69 3.08 1.10 0.82
16 LIG Insurance 10.71 47.64 16.44 73.38 -34.82 -34.05 1.73 7.71 0.12 0.56 0.75 3.34 0.40 1.77 1.10 1.85
17 BRD Asigurari de Viata* 10.05 44.71 8.72 38.93 15.29 16.65 - - 0.09 0.42 - - 0.89 3.98 1.03 0.98
18 GOTHAER Asigurari 8.19 36.41 10.03 44.79 -18.39 -17.42 4.25 18.89 5.69 25.41 4.39 19.51 5.54 24.74 0.84 1.13
19 CERTASIG 7.12 31.66 5.89 26.30 20.82 22.25 1.37 6.10 1.27 5.66 2.49 11.06 2.27 10.13 0.73 0.66
20 AEGON Romania 6.92 30.79 5.05 22.54 37.11 38.74 0.02 0.08 0.08 0.38 2.12 9.42 1.10 4.91 0.71 0.57
21 GRAWE Romania* 5.40 24.00 5.57 24.86 -3.10 -1.96 - - 0.38 1.72 - - 2.32 10.36 0.56 0.63
22 ASITO KAPITAL 4.72 21.00 1.76 7.87 167.82 171.00 3.95 17.55 0.97 4.33 0.35 1.54 0.63 2.80 0.49 0.20
23 CREDIT EUROPE Asigurari 4.60 20.45 5.09 22.72 -9.66 -8.59 1.30 5.79 1.28 5.72 2.38 10.56 1.67 7.47 0.47 0.57
24 GARANTA Asigurari 4.44 19.75 5.31 23.71 -16.38 -15.39 2.13 9.49 2.28 10.17 1.34 5.97 2.94 13.14 0.46 0.60
25 UNIQA Asigurari de Viata* 4.43 19.72 0.71 3.18 523.45 530.84 - - - - - - 0.01 0.03 0.46 0.08
26 SIGNAL IDUNA Asigurari de Viata 3.84 17.08 2.99 13.35 28.44 29.97 0.00 0.00 0.00 0.00 2.13 9.45 1.05 4.69 0.40 0.34
27 ERGO Asigurari de Viata (e) 3.37 15.00 - - - - - - - - - - - - 0.35 -
28 FATA Asigurari 3.29 14.64 3.49 15.59 -5.71 -4.59 1.99 8.87 2.12 9.45 0.87 3.89 0.76 3.41 0.34 0.39
29 AXA Life Insurance 2.18 9.69 2.41 10.77 -9.64 -8.57 0.02 0.10 0.03 0.12 0.09 0.39 0.26 1.16 0.22 0.27
30 EUROLIFE ERB Asigurari de Viata 2.17 9.64 1.88 8.41 15.07 16.43 0.17 0.74 0.16 0.70 0.11 0.47 0.10 0.45 0.22 0.21
31 FORTE Asigurari 2.13 9.48 1.48 6.59 44.37 46.09 0.82 3.66 0.38 1.69 0.30 1.33 0.07 0.32 0.22 0.17
EUROLIFE ERB Asigurari
32 Generale 1.04 4.61 0.91 4.08 13.39 14.74 0.48 2.12 0.44 1.95 0.02 0.07 0.03 0.12 0.11 0.10
33 ATE Insurance 0.27 1.18 0.12 0.54 120.70 123.32 0.18 0.78 0.08 0.35 0.02 0.09 0.04 0.20 0.03 0.01
34 ABC Asigurari - - 2.68 11.98 - - - - 0.79 3.52 - - 0.66 2.96 - 0.30
35 PORSCHE Asigurari - - 5.59 24.97 - - - - - - - - 3.50 15.64 - 0.63
36 CARDIF Assurance Vie - - 2.42 10.79 - - - - - - - - 0.14 0.62 - 0.27
CARDIF Assurances Risques
37 Divers - - 4.61 20.60 - - - - 0.02 0.07 - - 0.57 2.55 - 0.52
38 ONIX Asigurari - - 2.15 9.60 - - - - - - - - 0.00 0.01 - 0.24
TOP 10 784.63 3,489.56 701.27 3,130.84 11.89 13.21 NA NA NA NA NA NA NA NA 80.76 78.79
TOTAL 971.51 4,320.69 890.08 3,973.74 9.15 10.44 NA NA NA NA NA NA NA NA 100.00 100.00

NOTĂ NOTE

La calculul în monedă europeană au fost utilizate următoarele rate medii de Currency conversions were calculed for an average exchange rate of
schimb RON/EUR: RON/EUR of:
1 EUR = 4,4645 RON - pentru S1 2014 RON 4.4645/EUR - in 1H 2014
1 EUR = 4,4474 RON - pentru S1 2015 RON 4.4474/EUR - in 1H 2015
În perioada analizată a fost considerată urmatoarea valoare a indicelui de In the analyzed period, the following value of inflation index was taken into
inflație: 0,9845 (iunie 2015 vs. iunie 2014) consideration: 0.9845 (June 2015 vs. June 2014)
Surse: Banca Națională a României; Institutul Naţional de Statistică Sources: National Bank of Romania; National Institute of Statistics

10 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

în proporție covârșitoare datorată RCA? Următorii ani ne vor da presented indicate the main "culprit" for market growth: MTPL!
răspunsul însă, cifrele prezentului ne indică principalul „vinovat” Non-life insurance have increased over the period by 9% to a
pentru creșterea pieței: RCA! level of 793 million GWP, with over EUR 68 million more than the
Asigurările generale au crescut în perioada analizată cu peste same period last year. Aggregated, non-life insurance classes is
9%, până la un nivel al subscrierilor de 793 milioane EUR, cu pes- 81.7% while the insurance market, with a volume of underwrit-
te 68 milioane EUR mai mult decât în perioada similară a anului ings of over EUR 178 million, life insurance is 18.3%. Life segment
trecut. Cumulat, clasele de asigurări non-life reprezintă 81,7% increased period by just over 8%, insurers underwrote cumulated
din piața asigurărilor în timp ce, cu un volum al subscrierilor de life insurance classes with over 13 million more than in the first
peste 178 milioane EUR, asigurările de viață reprezintă 18,3%. half of 2014.
Segmentul life a crescut în perioada analizată cu puțin peste 8%,
asigurătorii au subscris cumulat pe clasele de asigurări de viață Why the market growth?
cu peste 13 milioane EUR mai mult decât în primul semestru al
Romanian insurers underwrote gross premiums of MTPL value
anului 2014.
exceeding EUR 375 million in the period. Increase the class men-
tioned exceeded 20% over the corresponding period last year
De unde provine creșterea pieței? and in absolute mandatory auto insurance companies have
Asigurătorii români au subscris din RCA prime brute a căror brought more than EUR 63 million more than in the first half of
valoare depășește 375 milioane EUR în perioada analizată. 2014. This development goes MTPL more than 3.5 percentage
Creșterea pe clasa menționată a depășit 20% față de perioada points as a share of total market.The mentioned class accounted
corespondentă a anului trecut și, în valoare absolută, asigurările for nearly 39% of total underwritings made by insurers.
obligatorii auto le-au adus companiilor cu peste 63 milioane Source unprofitable concern stems from the strong character
EUR mai mult față de primul semestru al anului 2014. Această of the most important classes of insurance for the local market.
evoluție, urcă asigurările RCA cu peste 3,5 puncte procentuale ca According to ASF, the combined claims ratio for the most impor-
pondere în totalul pieței. Clasa menționată reprezintă în prezent tant class in the market was 127.83% in Q2, from 124.87% in Q1
aproape 39% din totalul subscrierilor realizate de asigurători. although compared to the corresponding period last year com-
Sursa îngrijorării provine din caracterul puternic neprofita- bined ratio of the damage MTPL declined by about 4%.
bil al celei mai importante clase de asigurări pentru piața locală. Average claim paid for injuries in H1 2015 was 55.209 RON, down
Astfel, potrivit ASF, rata combinată a daunei pentru cea mai 14.04% according to information released by ASF.
importantă clasă din piață a fost de 127,83% în T2, de la 124,87% In addition, compensation for personal injury and death were
în T1 cu toate că, raportat la perioada corespondentă a anului more than 21% of the total compensation paid by insurers in
trecut rata combinată a daunei RCA s-a diminuat cu circa 4%. Romania on MTPL line in the period analyzed. Their value ex-
Dauna medie plătită pentru vătămările corporale în S1 2015 ceeded EUR 50 million in the period under review.
a fost de 55.209 RON, în scădere cu 14,04% potrivit informațiilor More than half of the MTPL market is dominated by the top 3
publicate de ASF. players in the market: EUROINS Romania, ASTRA Asigurari and

NOTĂ IMPORTANTĂ IMPORTANT NOTE

Atat pentru S1 2015 cat si pentru S1 2014 - toate totalurile sunt conform ASF For both periods - 1H2015 and 1H2014 - the totals are according to FSA
Următoarele companii de asigurari nu a furnizat date financiare: The following insurance companies did not provide financial data:
ABC Asigurari, ASIMED, ASTRA Asigurari, BCR Asigurari de Viata VIG, ABC Asigurari, ASIMED, ASTRA Asigurari, BCR Asigurari de Viata VIG,
BRD Asigurari de Viata, CARDIF Assurance Vie, CARDIF Assurances Risques BRD Asigurari de Viata, CARDIF Assurance Vie, CARDIF Assurances Risques
Divers, ERGO Asigurari de Viata, EximAsig Romania, GENERALI Romania, Divers, ERGO Asigurari de Viata, EximAsig Romania, GENERALI Romania,
GERROMA, GRAWE Romania, METROPOLITAN Life, NN Asigurari de Viata, GERROMA, GRAWE Romania, METROPOLITAN Life, NN Asigurari de Viata,
OMNIASIG VIG, ONIX Asigurari, PORSCHE Asigurari, UNIQA Asigurari de Viata, OMNIASIG VIG, ONIX Asigurari, PORSCHE Asigurari, UNIQA Asigurari de Viata,
UNIQA Asigurari UNIQA Asigurari
(e) In cazul ERGO Asigurari de Viata, toate rezultatele prezentate sunt estimate (e) In case of ERGO Asigurari de Viata, all presented figures are estimates
* Companii de asigurare pentru care urmatoarele cifre au fost preluate de la ASF, * Insurance companies for which the following figures were considered
strucutra portofoliului de prime brute subscrie fiind preluata din T1/2015 from the FSA Report, the GWP portfolio being related to 1Q2015 (according
(INSURANCE Profile nr. 2/2015): to INSURANCE Profile no. 2/2015):
- ASTRA Asigurari: PBS (total, asig. de viata, asig. generale, RCA); - ASTRA Asigurari: GWP (total, life, non-life, MTPL); Claims: (non-life, fire
Daune: (asig. generale, incendiu si calamitati naturale, RCA) and alied perils, MTPL)
- BCR Asigurari de Viata VIG: total PBS - BCR Asigurari de Viata VIG: total GWP
- BRD Asigurari de Viata: total PBS - BRD Asigurari de Viata: total GWP
- GENERALI Romania: PBS (total, asig. de viata, asig. generale, RCA); - GENERALI Romania: GWP (total, life, non-life, MTPL); Claims: (total, life,
Daune: (total, asig. de viata, asig. generale, incendiu si calamitati naturale, RCA) non-life, fire and allied perils, MTPL)
- GRAWE Romania: PBS asig. de viata - GRAWE Romania: life GWP
- METROPOLITAN Life: total PBS - METROPOLITAN Life: total GWP
- NN Asigurari de Viata: total PBS - NN Asigurari de Viata: total GWP
- OMNIASIG VIG: PBS (asig. generale, RCA); Daune: (asig. generale, CASCO, - OMNIASIG VIG: GWP (non-life, MTPL); Claims: (non-life, motor hull,
incendiu si calamitati naturale, RCA) fire and allied perils, MTPL)
- UNIQA Asigurari de Viata: total PBS - UNIQA Asigurari de Viata: total GWP
- UNIQA Asigurari: PBS (asig. generale, RCA); Daune: (asig. generale, RCA) - UNIQA Asigurari: GWP (non-life, MTPL); Claims: (non-life, MTPL)

Year XIII - no. 3/2015 (48) 11


S1 2015 ROMANIA

Evoluția TOP 3 asigurări de viață (PBS) Evoluția TOP 3 asigurări generale (PBS)
Life insurance TOP 3 evolution (GWP) Non - life insurance TOP 3 evolution (GWP)
74 EUR m. EUR m.
70 239
66 66 225
65 69
61 62 215
60 205
61
50 185 176
50 179
165
40 40 159
40 149
36 37 145 139 132
31 125 136
125
30 106
30 31 120 116
25 100 99
22 105
20 26 28 97 89 103
20 98 98
93 93
14 85
17 68 86
10 65
S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H
2008 2009 2010 2011 2012 2013 2014 2015 2008 2009 2010 2011 2012 2013 2014 2015

BCR Asig. de Viaţă VIG NN Asig. de Viaţă ALLIANZ-ŢIRIAC ASTRA Asigurări OMNIASIG VIG
METROPOLITAN Life

În plus, despăgubirile pentru vătămări corporale și deces CARPATICA Asig hold a combined 51% market share. In addi-
au reprezentat peste 21% din compensațiile totale plătite de tion, EUROINS increased by almost 70% during the period under
asigurătorii din România pe linia RCA în perioada analizată. review, increasing with more than EUR 31 million in MTPL GWP
Valoarea acestora a depășit 50 milioane EUR în perioada analizată. and market share by almost 6 percentage points up to 21% of
Mai bine de jumătate din piața RCA este dominată de prim- the market.
ii 3 jucători din piață: EUROINS România, ASTRA Asigurări și Insurance against fire and allied perils is, in absolute value, second
CARPATICA Asig dețin, cumulat, aproape 51% din piața RCA. În class market contributing tothe growth. With GWP of almost EUR
plus, EUROINS a consemnat o creștere de aproape 70% în perio- 110 million, the companies subscribed by almost 6 million above
ada analizată, majorând-și cu peste 31 milioane EUR volumul the amount recorded in the same period last year. However, the
primelor brute subscrise din RCA și cota de piață cu aproape 6 mentioned segment growth exceeds 5% which is below the mar-
puncte procentuale până la 21% din totalul pieței. ket average weight causes a slight decrease in fire insurance and
Asigurările de incendii și calamități naturale reprezintă, allied perils in the overall market.
în valoare absolută, a doua clasă din piață care contribuie la According to ASF at the end of this year there were 1.8 million
creșterea pieței. Cu subscrieri de aproape 110 milioane EUR, com- policies in force voluntary housing, of which nearly 1 million were
paniile au subscris pe cu aproape 6 milioane EUR peste valoarea completed in the first half of the year. In the same period last year
consemnată în perioada similară a anului trecut. Cu toate acestea, the number of voluntary housing policies exceeded 2.1 million.
creșterea pe segmentul amintit depășește 5% situându-se sub For the same period, the number of mandatory household insur-
media pieței determină o ușoară scădere a ponderii asigurărilor ance amounted to about 1.5 million.
de incendii și calamități naturale în totalul pieței. Even if the warranties together with Accident and illness as well
Potrivit ASF, la finele lunii a acestui an erau in vigoare 1,8 as the collateral in market share is below 2%, these two groups
milioane polițe facultative de locuințe, dintre care aproape 1 recorded double-digit growth, the plus registered insurance seg-
milion au fost încheiate în prima jumătate a anului în curs. În ment accident and illness is about 3 million EUR, 30 % above the
perioada similară a anului trecut numărul polițelor facultative de level recorded in the first half of last year while insurance seg-
locuințe depășea 2,1 milioane. Pentru aceeași perioadă, numărul ment guarantees growth approaching 20%.
asigurărilor obligatorii de locuințe se cifrau la circa 1,5 milioane.
Chiar dacă ponderile asigurărilor de accidente și boală precum General liability insurance: double-digit decline!
și a celor de garanții în totalul pieței este de sub 2%, aceste două Unfortunately, a category of insurance is linked hopes for market
categorii consemnează creșteri de două cifre, plusul consemnat growth in the past bring us this semester biggest drop, of classes.
pe segmentul asigurărilor de accidente și boală este de aproape -15% is the percentage which reduce the value of underwritings
3 milioane EUR adică cu 30% peste valoarea consemnată în prima for this class of insurance. Basically, the first half of 2014 the said
jumătate a anului trecut în timp ce, pe segmentul asigurărilor de category fell by nearly EUR 6 million, from EUR 38 million in H1
garanții creșterea se apropie de 20%. 2014 to EUR 32 million in the period.

12 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurările de răspundere civilă generală: No Motor Hull insurance have not been too good in the first 6
months of the year. The GWPs of over EUR 185 million in the pe-
scădere cu două cifre! riod under review amounted to 19% of the local insurance mar-
Din păcate, o categorie de asigurări de care se legau multe ket by 2 percentage points less than the share in the market they
speranțe pentru creșterea pieței în trecut, ne aduc în acest se- had in the corresponding period last year. Motor Hull lost more
mestru cea mai importantă scădere, dintre clasele de asigurări.
than 5 million of the amount subscribed is recorded decline of
-15% este procentajul cu care s-a redus valoarea subscrierilor
almost 3%.
aferente acestei clase de asigurări. Practic, față de primul semes-
tru al anului 2014 categoria amintită a scăzut cu aproape 6 milio- According to the ASF, the Motor Hull loss ratio was 78.49% against
ane EUR, de la 38 milioane EUR în S1 2014 la 32 milioane EUR în 81.46% in the second quarter of last year, while the spending rate
perioada analizată. remained at 36.54%.
Nici asigurările CASCO nu au stat prea bine în primele 6 luni
ale anului. Subscrierile de peste 185 milioane EUR din perio-
ada analizată au reprezentat 19% din totalul pieței locale a
MTPL propels a company four top positions in
asigurărilor, cu 2 puncte procentuale mai puțin decât ponderea the market
în piață pe care o dețineau în perioada corespondentă a anului
In terms of ranking companies based on the volume of subscrip-
trecut. Asigurările CASCO au pierdut peste 5 milioane din volu-
mul subscris, scăderea consemnată fiind de aproape 3%. tions here MTPL has caused major changes in the rankings. With
Potrivit ASF, rata daunei CASCO a fost de 78,49% față de a slightly modified market share ALLIANZ-TIRIAC remains the
81,46% în trimestrul doi al anului trecut, în timp ce rata cheltuiel- market leader with a share of over 12% market. The increase of
ilor s-a menținut la 36,54% over 50% climb recorded on MTPL by OMNIASIG ranked second
among companies in the period. The company gained almost 1
RCA propulsează o companie 4 poziții în topul percentage point of market share.
pieței While the rest of the top 10 companies maintained both as mar-
ket share ranking, EUROINS Romania climbed four positions in
În ceea ce privește clasamentul companiilor în funcție de volu-
mul subscrierilor și aici RCA a provocat principalele modificări de the top up to the 5th! With MTPL over 96% of the company's port-
clasament. Cu o modificare marginală a cotei de piață ALLIANZ- folio, EUROINS increase by 62% and increased its market share
ȚIRIAC rămâne liderul pieței cu o cotă de peste 12% din piață. by almost 3 percentage points. Contrast decrease of nearly 20%
Creșterea de peste 50% consemnată pe RCA urcă OMNIASIG reported by CARPATICA Asig, led the company three positions
pe locul secund în topul companiilor din perioada analizată. lower in the rankings to No. 8.
Compania câștigă aproape 1 punct procentual cotă de piață.
The concentration of the market increased by almost 2 percent-
În timp ce restul companiilor din TOP 10 se mențin atât ca și
age points. The top 10 companies in the market have subscribed
cotă de piață în clasament, EUROINS România a urcat 4 poziții în
in aggregate approximately EUR 785 million, 12% more than the
top până pe locul 5! Cu RCA de peste 96% din portofoliul com-
paniei, EUROINS crește cu 62% și își majorează cota de piață cu same period last year. This has led to climbing the concentration
aproape 3 puncte procentuale. Contrastant, scăderea de aproape - the combined market share of TOP 10, from 79% in H1 2014 to
20% consemnată de CARPATICA Asig, a condus compania 3 81% in the first half of the year.
poziții mai jos în clasament până pe locul 8. Local industry insurance recorded a density close to EUR 50 / in-
Gradul de concentrare al pieței a urcat cu aproape 2 puncte habitant, high in the last year - and amid population shrinking,
procentuale. Primele 10 companii din piață au subscris, cumu- a share of GDP which, although shows a marginal increase of
lat, circa 785 milioane EUR, cu 12% mai mult decât în perioada the penetration degree which remains, in the analyzed period,
similară a anului trecut. Această evoluție a condus la urcarea
blocked somewhat around 1 4%.
gradului de concentrare – cota de piață cumulată de TOP 10, de
la 79% în S1 2014 până la 81% în prima jumătate a anului în curs. What will the market look by the end of the year? This is a more
Industria locală a asigurărilor a consemnat o densitate difficult question than ever. It became increasingly difficult to
apropiată de 50 EUR/locuitor, maximumul ultimilor ani – și pe fon- find figures of this, which is why any forecast about the future is
dul diminuării populației, o pondere în PIB care, deși manifestă o risky especially as a result of unpredictable market behavior after
creștere marginală, rămâne și în perioada analizată blocată oare- exiting ASTRA Asigurari.
cum în jurul valorii de 1,4%.
Ce va face piața în a doua jumătate a anului? Aceasta este o
întrebare mai dificilă ca niciodată. A devenit din ce în ce mai greu
să aflăm cifrele prezentului, iată de ce, orice prognoză despre vii-
tor devine riscantă mai ales ca urmare a comportamentului greu
previzibil al pieței după exitul ASTRA Asigurări.
Alex ROȘCA

Year XIII - no. 3/2015 (48) 13


S1 2015 ROMANIA

Asigurări de viaţă | Life insurance


Nr. Compania % în total PRIME BRUTE SUBSCRISE PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 Evoluţie Evoluţie S1 2015 S1 2014 S1 2015 S1 2014 (%)
nominală reală
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil.EUR mil.RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 Nominal Real 1H2015 1H2014 1H2015 1H2014 (%)
change change
EUR m. RON m. EUR m. RON m. in EUR in RON EUR m. RON m. EUR m. RONm. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 NN Asigurari de Viata* 100.00 69.40 308.67 66.16 295.36 4.91 6.15 - - - - - - 2.95 13.19 38.95 40.13
2 METROPOLITAN Life* 86.67 22.38 99.55 25.31 113.00 -11.56 -10.51 - - - - - - - - 12.56 15.35
3 BCR Asigurari de Viata VIG* 92.59 21.95 97.60 14.09 62.91 55.74 57.59 - - 1.79 7.98 - - 1.44 6.43 12.31 8.55
4 ALLIANZ-TIRIAC 10.28 12.18 54.17 11.13 49.70 9.40 10.69 - - - - 1.24 5.53 - - 6.83 6.75
5 ASIROM VIG 14.92 10.31 45.85 11.11 49.61 -7.22 -6.12 0.68 3.04 - - 7.33 32.61 7.71 34.41 5.79 6.74
6 BRD Asigurari de Viata* 99.09 9.96 44.30 8.62 38.49 15.55 16.92 - - 0.09 0.42 - - 0.89 3.98 5.59 5.23
7 GENERALI Romania* 16.33 8.61 38.31 9.20 41.09 -6.41 -5.30 - - 1.99 8.86 5.37 23.88 2.57 11.45 4.83 5.58
8 AEGON Romania 100.00 6.92 30.79 5.05 22.54 37.11 38.74 0.02 0.08 0.08 0.38 2.12 9.42 1.10 4.91 3.88 3.06
9 GROUPAMA Asigurari 6.16 5.33 23.71 4.47 19.96 19.21 20.62 0.03 0.13 0.02 0.11 1.41 6.26 1.60 7.14 2.99 2.71
10 GRAWE Romania* 94.79 5.11 22.75 5.42 24.18 -5.57 -4.45 - - 0.30 1.34 - - 2.31 10.33 2.87 3.29
11 UNIQA Asigurari de Viata* 97.90 4.34 19.31 0.71 3.18 510.38 517.62 - - - - - - 0.01 0.03 2.44 0.43
12 ERGO Asigurari de Viata (e) 100.00 3.37 15.00 - - - - - - - - - - - - 1.89 -
13 AXA Life Insurance 99.66 2.17 9.66 2.40 10.73 -9.68 -8.61 0.02 0.10 0.03 0.12 0.09 0.38 0.09 0.40 1.22 1.46
EUROLIFE ERB Asigurari
14 100.00 2.17 9.64 1.88 8.41 15.07 16.43 0.17 0.74 0.16 0.70 0.11 0.47 0.10 0.45 1.22 1.14
de Viata
15 ASTRA Asigurari* 1.17 1.16 5.17 1.23 5.50 -5.64 -4.52 - - 0.04 0.16 - - - - 0.65 0.75
16 GARANTA Asigurari 17.98 0.80 3.55 0.92 4.10 -13.16 -12.13 0.03 0.12 0.03 0.13 0.19 0.83 0.16 0.71 0.45 0.56
SIGNAL IDUNA Asigurari
17 3.43 0.13 0.59 0.11 0.50 18.12 19.52 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.01 0.07 0.07
de Viata
18 CARDIF Assurance Vie - - - 2.42 10.79 - - - - - - - - 0.14 0.62 - 1.47
TOP 10 172.17 765.69 160.57 716.85 7.22 8.50 NA NA NA NA NA NA NA NA 96.61 97.39
TOTAL** 18.34 178.20 792.53 164.86 736.03 8.09 9.37 NA NA NA NA NA NA NA NA 100.00 100.00
(e) estimări | estimates
* vezi nota de la pagina 11 / see the note on page 11
**exclude clasele de asigurare B1 si B2 realizare de asiguratorii de viata / excluding B1 and B2 realized by life insurers

TOP 10 prime brute subscrise din asigurări de viaţă în S1 2015


TOP 10 gross written premiums for life insurance in 1H2015
0 15 30 45 60 75 EUR m.

NN Asigurari de Viata

METROPOLITAN Life
Restul companiilor 3.39%
2.87%
BCR Asig. de Viata VIG Other companies
2.99%
ALLIANZ-TIRIAC 3.88%

ASIROM VIG 4.83%


38.95%
BRD Asigurari de Viata 5.59%
S1/1H
5.79%
GENERALI Romania
2015
AEGON Romania
6.83%
GROUPAMA Asigurari

GRAWE Romania 12.31% 12.56%

14 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurări de viaţă, anuităţi şi asigurări de viaţă suplimentare


Life insurance, annuities and supplementary insurance
Nr. Compania % în total % în PBS PRIME BRUTE SUBSCRISE Evoluţie Evoluţie DAUNE PLĂTITE Cota de piaţă
PBS asig. de S1 2015 S1 2014 nominală reală în S1 2015 S1 2014 (%)
viaţă în EUR RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all % in life GROSS WRITTEN PREMIUM Nominal Real PAID CLAIMS Market share
GWP GWP 1H2015 1H2014 change in change 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 NN Asigurari de Viata* 49.00 49.00 34.01 151.25 32.00 142.85 6.29 7.54 - - 2.31 10.29 28.26 27.94
2 METROPOLITAN Life* 65.00 75.00 16.79 74.66 19.26 86.00 -12.85 -11.81 - - - - 13.95 16.82
3 ASIROM VIG 14.92 100.00 10.31 45.85 11.12 49.63 -7.25 -6.15 7.33 32.61 7.53 33.62 8.57 9.71
4 BRD Asigurari de Viata* 91.39 92.23 9.19 40.86 8.12 36.24 13.20 14.54 - - 0.89 3.97 7.64 7.09
5 BCR Asigurari de Viata VIG* 37.30 40.28 8.84 39.32 8.42 37.61 4.95 6.19 - - 1.35 6.02 7.35 7.36
6 GENERALI Romania* 14.12 86.48 7.45 33.13 7.71 34.41 -3.36 -2.21 - - 2.20 9.81 6.19 6.73
7 ALLIANZ-TIRIAC 6.00 58.34 7.11 31.60 6.80 30.38 4.43 5.66 - - - - 5.90 5.94
8 AEGON Romania 79.52 79.52 5.51 24.48 3.75 16.74 46.87 48.61 1.68 7.48 0.80 3.55 4.57 3.27
9 GROUPAMA Asigurari 6.16 100.00 5.33 23.71 4.47 19.96 19.21 20.62 1.41 6.26 - - 4.43 3.91
10 GRAWE Romania* 94.69 99.90 5.11 22.72 5.41 24.17 -5.61 -4.49 - - 2.31 10.33 4.25 4.73
11 UNIQA Asigurari de Viata* 97.89 99.99 4.34 19.30 0.71 3.16 513.99 521.27 - - 0.01 0.03 3.61 0.62
12 ERGO Asigurari de Viata (e) 68.00 68.00 2.29 10.20 - - - - - - - - 1.91 -
13 EUROLIFE ERB Asigurari de Viata 100.00 100.00 2.17 9.64 1.88 8.41 15.07 16.43 0.10 0.45 0.10 0.45 1.80 1.65
14 AXA Life Insurance 88.28 88.58 1.92 8.56 2.13 9.50 -9.64 -8.57 0.08 0.38 0.09 0.38 1.60 1.86
15 ASTRA Asigurari* 1.17 100.00 1.16 5.17 1.23 5.50 -5.64 -4.52 - - - - 0.97 1.08
16 GARANTA Asigurari 17.98 100.00 0.80 3.55 0.92 4.10 -13.16 -12.13 0.19 0.83 0.16 0.71 0.66 0.80
17 SIGNAL IDUNA Asigurari de Viata 3.09 90.27 0.12 0.53 0.10 0.43 23.16 24.62 0.00 0.01 0.00 0.01 0.10 0.08
18 CARDIF Assurance Vie - - - - 2.42 10.79 - - - - 0.14 0.62 - 2.11
TOTAL TOP 10 109.63 487.59 107.06 477.97 2.40 3.62 NA NA NA NA 91.11 93.50
TOTAL 12.39 67.53 120.34 535.19 114.50 511.19 5.10 6.34 NA NA NA NA 100.00 100.00
(e) estimări | estimates
* vezi nota de la pagina 11 / see the note on page 11

Asigurări de viaţă şi anuităţi care sunt legate de fonduri de investiţii


Life insurance and annuities related to investments funds
Nr. Compania % în % în PBS PRIME BRUTE SUBSCRISE Evoluţie Evoluţie DAUNE PLĂTITE Cota de piaţă
total asig. de S1 2015 S1 2014 nominală reală în S1 2015 S1 2014 (%)
PBS viaţă în EUR RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all % in life GROSS WRITTEN PREMIUM Nominal Real PAID CLAIMS Market share
GWP GWP 1H2015 1H2014 change in change 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 NN Asigurari de Viata* 51.00 51.00 35.40 157.42 34.16 152.51 3.62 4.84 - - 0.65 2.90 61.61 68.55
2 BCR Asigurari de Viata VIG* 55.29 59.72 13.11 58.28 5.67 25.30 131.23 133.98 - - 0.09 0.40 22.81 11.37
3 METROPOLITAN Life* 21.67 25.00 5.60 24.89 6.05 27.00 -7.47 -6.37 - - - - 9.74 12.14
4 ALLIANZ-TIRIAC 4.28 41.66 5.07 22.57 4.33 19.33 17.21 18.60 - - - - 8.83 8.69
5 AEGON Romania 20.48 20.48 1.42 6.30 1.30 5.81 8.99 10.29 0.44 1.94 0.30 1.36 2.47 2.61
6 ERGO Asigurari de Viata (e) 32.00 32.00 1.08 4.80 - - - - - - - - 1.88 -
7 GENERALI Romania* 1.90 11.62 1.00 4.45 1.09 4.89 -8.52 -7.44 - - 0.02 0.09 1.74 2.20
8 BRD Asigurari de Viata* 6.36 6.41 0.64 2.84 0.50 2.25 26.58 28.08 - - 0.00 0.00 1.11 1.01
9 AXA Life Insurance 6.19 6.21 0.13 0.60 0.15 0.69 -12.14 -11.10 0.00 0.01 - - 0.23 0.31
10 SIGNAL IDUNA Asigurari de Viata 0.33 9.73 0.01 0.06 0.01 0.07 -14.40 -13.39 - - - - 0.02 0.03
11 ASIROM VIG - - - - -0.00 -0.01 - - - - 0.17 0.78 - -0.01
12 EUROLIFE ERB Asigurari de Viata - - - - - - - - 0.00 0.02 - - - -
13 GRAWE Romania* - - - - -0.00 -0.01 - - - - 0.00 0.00 - -0.01
TOTAL 5.91 32.24 57.45 255.51 49.83 222.48 15.29 16.65 NA NA NA NA 100.00 100.00
* vezi nota de la pagina 11 / see the note on page 11

Year XIII - no. 3/2015 (48) 15


S1 2015 ROMANIA

Asigurări generale | Non-life insurance


Nr. Compania % în PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
total S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
PBS în EUR în RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014
change change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. in EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 ALLIANZ-TIRIAC 89.72 106.33 472.88 98.93 441.68 7.48 8.75 - - - - 48.09 213.89 - - 13.40 13.64
2 OMNIASIG VIG* 100.00 102.91 457.66 85.88 383.42 19.82 21.24 - - - - 54.62 242.92 91.31 407.65 12.97 11.84
3 ASTRA Asigurari* 98.83 97.97 435.70 89.06 397.62 10.00 11.30 - - 24.23 108.18 60.80 270.40 - - 12.35 12.28
4 EUROINS Romania 100.00 81.37 361.88 50.23 224.25 62.00 63.92 - - - - 59.94 266.59 37.33 166.66 10.26 6.93
5 GROUPAMA Asigurari 93.84 81.23 361.28 68.12 304.13 19.25 20.66 3.26 14.48 3.64 16.24 48.27 214.66 52.28 233.38 10.24 9.39
6 ASIROM VIG 85.08 58.81 261.55 53.23 237.64 10.48 11.79 25.24 112.27 - - 36.60 162.76 37.20 166.10 7.41 7.34
7 CARPATICA ASIG 100.00 57.84 257.26 68.37 305.22 -15.39 -14.39 1.45 6.45 1.35 6.05 41.62 185.12 39.93 178.26 7.29 9.43
8 CITY Insurance 100.00 47.02 209.13 42.34 189.04 11.06 12.37 31.69 140.96 29.41 131.28 24.12 107.29 18.57 82.91 5.93 5.84
9 GENERALI Romania* 83.67 44.15 196.34 41.66 185.98 5.97 7.23 - - 9.83 43.88 25.52 113.49 21.26 94.93 5.56 5.74
10 UNIQA Asigurari* 100.00 36.47 162.22 47.58 212.42 -23.34 -22.43 - - 23.13 103.28 39.49 175.61 58.68 261.97 4.60 6.56
11 PAID 100.00 12.85 57.14 12.74 56.87 0.85 2.04 3.27 14.56 3.28 14.64 0.54 2.42 0.11 0.48 1.62 1.76
12 AIG Europe 100.00 10.71 47.65 7.30 32.60 46.73 48.47 5.09 22.63 - - 1.27 5.63 0.69 3.08 1.35 1.01
13 LIG Insurance 100.00 10.71 47.64 16.44 73.38 -34.82 -34.05 1.73 7.71 0.12 0.56 0.75 3.34 0.40 1.77 1.35 2.27
14 GOTHAER Asigurari 100.00 8.19 36.41 10.03 44.79 -18.39 -17.42 4.25 18.89 5.69 25.41 4.39 19.51 5.54 24.74 1.03 1.38
15 CERTASIG 100.00 7.12 31.66 5.89 26.30 20.82 22.25 1.37 6.10 1.27 5.66 2.49 11.06 2.27 10.13 0.90 0.81
16 ASITO KAPITAL 100.00 4.72 21.00 1.76 7.87 167.82 171.00 3.95 17.55 0.97 4.33 0.35 1.54 0.63 2.80 0.60 0.24
17 CREDIT EUROPE Asigurari 100.00 4.60 20.45 5.09 22.72 -9.66 -8.59 1.30 5.79 1.28 5.72 2.38 10.56 1.67 7.47 0.58 0.70
SIGNAL IDUNA
18 Asigurari 96.57 3.71 16.49 2.88 12.85 28.84 30.37 - - - - 2.12 9.44 1.05 4.68 0.47 0.40
de Viata
19 GARANTA Asigurari 82.02 3.64 16.20 4.39 19.60 -17.06 -16.07 2.11 9.37 2.25 10.03 1.16 5.14 2.78 12.43 0.46 0.61
20 METROPOLITAN Life* 13.33 3.44 15.32 3.53 15.75 -2.37 -1.21 - - - - - - - - 0.43 0.49
21 FATA Asigurari 100.00 3.29 14.64 3.49 15.59 -5.71 -4.59 1.99 8.87 2.12 9.45 0.87 3.89 0.76 3.41 0.41 0.48
22 FORTE Asigurari 100.00 2.13 9.48 1.48 6.59 44.37 46.09 0.82 3.66 0.38 1.69 0.30 1.33 0.07 0.32 0.27 0.20
23 BCR Asigurari de Viata VIG* 7.41 1.76 7.81 2.34 10.43 -24.82 -23.92 - - 0.01 0.05 - - 0.62 2.77 0.22 0.32
EUROLIFE ERB
24 100.00 1.04 4.61 0.91 4.08 13.39 14.74 0.48 2.12 0.44 1.95 0.02 0.07 0.03 0.12 0.13 0.13
Asigurari Generale
25 GRAWE Romania* 5.21 0.28 1.25 0.15 0.68 84.66 86.85 - - 0.08 0.38 - - 0.01 0.03 0.04 0.02
26 ATE Insurance 100.00 0.27 1.18 0.12 0.54 120.70 123.32 0.18 0.78 0.08 0.35 0.02 0.09 0.04 0.20 0.03 0.02
27 UNIQA Asigurari de Viata* 2.10 0.09 0.41 - - - - - - - - - - - - 0.01 -
28 BRD Asigurari de Viata* 0.91 0.09 0.41 0.10 0.44 -7.59 -6.49 - - - - - - 0.00 0.00 0.01 0.01
29 AXA Life Insurance 0.34 0.01 0.03 0.01 0.03 4.81 6.05 - - - - 0.00 0.01 0.17 0.76 0.00 0.00
30 ABC Asigurari - - - 2.68 11.98 - - - - 0.79 3.52 - - 0.66 2.96 - 0.37
31 PORSCHE Asigurari - - - 5.59 24.97 - - - - - - - - 3.50 15.64 - 0.77
CARDIF Assurances
32 - - - 4.61 20.60 - - - - 0.02 0.07 - - 0.57 2.55 - 0.64
Risques Divers
33 ONIX Asigurari - - - 2.15 9.60 - - - - - - - - 0.00 0.01 - 0.30
34 NN Asigurari de Viata* - - - 0.14 0.62 - - - - - - - - 0.01 0.06 - 0.02
TOTAL TOP 10 714.10 3,175.91 645.40 2,881.41 10.64 11.96 NA NA NA NA NA NA NA NA 90.02 89.00
TOTAL** 81.66 793.31 3,528.16 725.21 3,237.71 9.39 10.69 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


**include clasele de asigurare B1 si B2 realizare de asiguratorii de viata / including B1 and B2 realized by life insurers

16 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

TOP 10 prime brute subscrise din asigurări generale în S1 2015


TOP 10 gross written premiums for non-life insurance 1H2015
0 15 30 45 60 75 90 105 EUR m.

ALLIANZ -TIRIAC

OMNIASIG VIG

ASTRA Asigurari

EUROINS Romania

Restul companiilor 9.98% 13.40%


GROUPAMA Asigurari Other companies
4.60%
ASIROM VIG
5.56%
12.97%
CARPATICA Asig
S1/1H
5.93%
CITY Insurance 2015
12.35%
GENERALI Romania 7.29%
10.26%
UNIQA Asigurari 7.41% 10.24%

Year XIII - no. 3/2015 (48) 17


S1 2015 ROMANIA

Total asigurări auto | Overall motor insurance


Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală în S1 2015 S1 2014 S1 2015 S1 2015 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GWP GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
1H2015 1H2014 change in change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 EUROINS Romania 97.15 79.05 351.56 48.24 215.39 63.85 65.79 - - - - 59.49 264.57 36.76 164.10 14.09 9.60
2 ALLIANZ-TIRIAC 62.68 74.27 330.33 71.38 318.68 4.05 5.29 - - - - - - - - 13.24 14.20
3 ASTRA Asigurari* 71.13 70.52 313.62 72.57 324.00 -2.83 -1.68 - - - - 40.21 178.84 - - 12.57 14.43
4 OMNIASIG VIG* 67.12 69.07 307.16 55.67 248.56 24.05 25.52 - - - - 45.34 201.65 60.86 271.70 12.31 11.07
5 GROUPAMA Asigurari 65.83 56.99 253.44 46.36 206.98 22.92 24.37 - - - - - - - - 10.16 9.22
6 CARPATICA ASIG 93.51 54.09 240.56 64.99 290.13 -16.77 -15.78 1.14 5.05 0.80 3.57 40.69 180.96 39.34 175.63 9.64 12.92
7 ASIROM VIG 65.17 45.04 200.32 38.99 174.06 15.53 16.90 19.85 88.27 - - 30.50 135.66 31.39 140.15 8.03 7.75
8 CITY Insurance 87.01 40.91 181.96 35.70 159.39 14.60 15.96 29.33 130.45 27.62 123.32 21.62 96.14 14.89 66.48 7.29 7.10
9 UNIQA Asigurari* 69.59 25.38 112.89 38.24 170.72 -33.62 -32.84 - - 17.38 77.60 17.52 77.93 54.91 245.13 4.53 7.61
10 GENERALI Romania* 41.36 21.82 97.06 21.21 94.71 2.87 4.09 - - 2.17 9.67 4.21 18.74 18.09 80.78 3.89 4.22
11 GOTHAER Asigurari 38.89 3.18 14.16 4.20 18.75 -24.19 -23.29 1.60 7.10 2.01 8.97 3.14 13.94 3.18 14.22 0.57 0.84
CREDIT EUROPE
12 29.71 1.37 6.07 2.08 9.27 -34.19 -33.41 0.01 0.03 0.00 0.02 1.81 8.06 1.24 5.54 0.24 0.41
Asigurari
13 FORTE Asigurari 42.57 0.91 4.03 0.40 1.77 129.40 132.12 0.47 2.07 0.11 0.49 0.28 1.23 0.06 0.29 0.16 0.08
14 GARANTA Asigurari 17.06 0.76 3.37 0.84 3.76 -10.16 -9.09 0.30 1.35 0.34 1.51 0.86 3.81 1.18 5.28 0.14 0.17
15 FATA Asigurari 8.54 0.28 1.25 0.49 2.19 -42.68 -42.00 0.15 0.65 0.23 1.02 0.35 1.54 0.37 1.65 0.05 0.10
16 ASITO KAPITAL 3.37 0.16 0.71 0.20 0.91 -21.74 -20.81 0.02 0.09 - - 0.20 0.90 0.36 1.62 0.03 0.04
17 LIG Insurance 0.12 0.01 0.06 0.05 0.23 -75.17 -74.88 0.01 0.04 0.01 0.06 0.22 0.97 0.09 0.41 0.00 0.01
18 CERTASIG 0.03 0.00 0.01 0.04 0.18 -94.35 -94.28 -0.00 -0.00 0.00 0.00 0.01 0.06 0.17 0.76 0.00 0.01
19 ATE Insurance 0.30 0.00 0.00 0.01 0.02 -84.16 -83.98 0.00 0.00 0.00 0.01 0.02 0.07 0.02 0.07 0.00 0.00
20 ABC Asigurari - - - 1.37 6.12 - - - - 0.32 1.42 - - 0.65 2.89 - 0.27
21 PORSCHE Asigurari - - - 5.59 24.97 - - - - - - - - 3.50 15.64 - 1.11
TOP 10 537.15 2,388.90 493.36 2,202.61 8.87 10.17 NA NA NA NA NA NA NA NA 95.76 98.12
TOTAL 57.74 560.93 2,495.67 502.80 2,244.74 11.56 12.88 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


In cazul ASTRA Asigurari, GENERALI Romania si UNIQA Asigurari daunele pentru S1 2015 sunt aferente doar clasei de asigurari RCA
In case of ASTRA Asigurari, GENERALI Romania and UNIQA Asigurari the 1H2015 value of claims is related to the MTPL insurance class

Cote de piață S1 2015 | Market share 1H2015


PBS (mil. EUR)/GWP (EUR m.)
700
EUROINS Romania - 14.09% 676.4
640.9
ALLIANZ-ŢIRIAC - 13.24% 650
ASTRA Asigurari - 12.57%
OMNIASIG VIG - 12.31%
600
GROUPAMA Asigurări - 10.16%
560.93
EUR CARPATICA Asig. - 9.64%
560.93 m. ASIROM VIG - 8.03% 550

CITY Insurance - 7.29% 515.0 502.8


UNIQA Asigurări - 4.53% 500 496.7
475.9
GENERALI România - 3.89%
RESTUL / OTHER - 4.24% 450
TOP 10 - 95.76% S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
2009 2010 2011 2012 2013 2014 2015

18 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurări auto CASCO | Motor hull insurance


Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
în EUR în RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change change 1H2015 1H2014 1H2015 1H2014 (%)
in EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 ALLIANZ-TIRIAC 40.03 47.44 210.99 47.02 209.94 0.88 2.08 - - - - - - - - 25.57 24.66
2 GROUPAMA Asigurari 42.73 36.99 164.49 35.03 156.37 5.60 6.85 - - - - - - - - 19.94 18.37
3 OMNIASIG VIG* 27.90 28.71 127.69 28.87 128.90 -0.56 0.62 - - - - 23.82 105.95 30.22 134.92 15.48 15.14
4 GENERALI Romania* 30.78 16.24 72.22 17.10 76.36 -5.06 -3.93 - - 0.36 1.63 - - 12.17 54.31 8.75 8.97
5 UNIQA Asigurari* 43.53 15.88 70.61 20.30 90.63 -21.79 -20.86 - - 9.62 42.95 - - 33.59 149.97 8.56 10.64
6 ASIROM VIG 17.54 12.13 53.93 11.63 51.92 4.28 5.52 3.89 17.32 - - 7.80 34.67 11.46 51.17 6.54 6.10
7 ASTRA Asigurari* 9.32 9.24 41.10 16.58 74.00 -44.25 -43.59 - - - - - - - - 4.98 8.69
8 CARPATICA ASIG 6.01 3.47 15.45 3.20 14.28 8.59 9.88 0.03 0.13 0.05 0.21 3.54 15.76 2.56 11.42 1.87 1.68
9 GOTHAER Asigurari 37.33 3.06 13.59 4.05 18.06 -24.46 -23.57 1.54 6.83 1.94 8.65 3.13 13.93 3.13 13.99 1.65 2.12
CREDIT EUROPE
10 29.71 1.37 6.07 2.08 9.27 -34.19 -33.41 0.01 0.03 0.00 0.02 1.81 8.06 1.24 5.54 0.74 1.09
Asigurari
11 CITY Insurance 2.20 1.04 4.61 0.87 3.88 19.39 20.81 0.07 0.31 - - 0.91 4.03 0.62 2.78 0.56 0.46
12 FORTE Asigurari 42.57 0.91 4.03 0.40 1.77 129.40 132.12 0.47 2.07 0.11 0.49 0.28 1.23 0.06 0.29 0.49 0.21
13 EUROINS Romania 1.00 0.82 3.64 1.56 6.95 -47.51 -46.89 - - - - 1.66 7.39 1.59 7.12 0.44 0.82
14 GARANTA Asigurari 17.06 0.76 3.37 0.84 3.76 -10.16 -9.09 0.30 1.35 0.34 1.51 0.86 3.81 1.18 5.28 0.41 0.44
15 FATA Asigurari 8.49 0.28 1.24 0.49 2.20 -43.29 -42.62 0.15 0.65 0.23 1.03 0.30 1.31 0.37 1.65 0.15 0.26
16 ASITO KAPITAL 3.37 0.16 0.71 0.20 0.91 -21.74 -20.81 0.02 0.09 - - 0.20 0.90 0.36 1.62 0.09 0.11
17 LIG Insurance 0.12 0.01 0.06 0.05 0.23 -75.17 -74.88 0.01 0.04 0.01 0.06 0.22 0.97 0.09 0.41 0.01 0.03
18 CERTASIG 0.03 0.00 0.01 0.04 0.18 -94.35 -94.28 -0.00 -0.00 0.00 0.00 0.01 0.06 0.17 0.76 0.00 0.02
19 ATE Insurance 0.30 0.00 0.00 0.01 0.02 -84.16 -83.98 0.00 0.00 0.00 0.01 0.02 0.07 0.02 0.07 0.00 0.00
20 ABC Asigurari - - - 0.39 1.75 - - - - 0.22 0.96 - - 0.36 1.60 - 0.21
21 PORSCHE Asigurari - - - 5.59 24.97 - - - - - - - - 3.50 15.64 - 2.93
TOTAL TOP 10 174.52 776.15 185.85 829.73 -6.10 -4.99 NA NA NA NA NA NA NA NA 94.08 97.45
TOTAL 19.09 185.50 824.99 190.71 851.44 -2.73 -1.58 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11

Cote de piață S1 2015 | Market share 1H2015


400.6 PBS (mil. EUR)/GWP (EUR m.)
400
ALLIANZ-TIRIAC - 25.57%
GROUPAMA Asigurari -19.94% 350
OMNIASIG VIG - 15.48% 310.4
GENERALI Romania - 8.75% 300
UNIQA Asigurari - 8.56%
ASIROM VIG - 6.54% EUR 244.0
ASTRA Asigurari - 4.98% 185.50 m. 250
218.4
CARPATICA Asig. - 1.87% 204.8 190.7
GOTHAER Asigurari - 1.65% 200 185.5
CREDIT EUROPE Asigurari - 0.74%
RESTUL / OTHER - 5.92% 150
S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
TOP 10 - 94.08%
2009 2010 2011 2012 2013 2014 2015

Year XIII - no. 3/2015 (48) 19


S1 2015 ROMANIA

Asigurări obligatorii de răspundere civilă auto


Motor TPL insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS nominală reală în (%)
S1 2015 S1 2014 S1 2015 S1 2014 S1 2015 S1 2014
în EUR RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP change in change (%)
1H2015 1H2014 1H2015 1H2014 1H2015 1H2014
EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 EUROINS Romania 96.14 78.23 347.93 46.69 208.43 67.57 69.55 - - - - 57.83 257.18 35.16 156.99 20.84 14.96
2 ASTRA Asigurari* 61.81 61.28 272.52 56.00 250.00 9.43 10.72 - - - - 40.21 178.84 - - 16.32 17.94
3 CARPATICA ASIG 87.50 50.62 225.11 61.79 275.84 -18.08 -17.11 1.11 4.93 0.75 3.36 37.15 165.21 36.78 164.21 13.48 19.80
4 OMNIASIG VIG* 39.22 40.36 179.48 26.80 119.66 50.57 52.36 - - - - 21.52 95.70 30.64 136.78 10.75 8.59
5 CITY Insurance 84.80 39.88 177.35 34.83 155.51 14.48 15.84 29.26 130.15 27.62 123.32 20.71 92.11 14.27 63.70 10.62 11.16
6 ASIROM VIG 47.62 32.92 146.39 27.36 122.15 20.31 21.73 15.95 70.95 - - 22.71 100.98 19.93 88.98 8.77 8.77
7 ALLIANZ-TIRIAC 22.64 26.83 119.34 24.36 108.73 10.18 11.48 - - - - - - - - 7.15 7.80
8 GROUPAMA Asigurari 23.10 20.00 88.95 11.34 50.61 76.43 78.52 - - - - - - - - 5.33 3.63
9 UNIQA Asigurari* 26.06 9.51 42.28 17.94 80.09 -47.01 -46.38 - - 7.76 34.65 17.52 77.93 21.31 95.16 2.53 5.75
10 GENERALI Romania* 10.58 5.58 24.83 4.11 18.35 35.85 37.46 - - 1.80 8.04 4.21 18.74 5.93 26.46 1.49 1.32
11 GOTHAER Asigurari 1.56 0.13 0.57 0.15 0.69 -17.04 -16.06 0.06 0.27 0.07 0.33 0.00 0.01 0.05 0.22 0.03 0.05
12 FATA Asigurari 0.05 0.00 0.01 -0.00 -0.01 -167.28 -168.08 0.00 0.00 -0.00 -0.01 0.05 0.23 0.00 0.00 0.00 -0.00
13 ABC Asigurari - - - 0.98 4.37 - - - - 0.10 0.46 - - 0.29 1.29 - 0.31
TOP 10 365.20 1,624.17 311.21 1,389.38 17.35 18.74 NA NA NA NA NA NA NA NA 97.27 99.72
TOTAL 38.64 375.43 1,669.68 312.08 1,393.30 20.30 21.72 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


Societăți de asigurare autorizate de ASF să practice asigurări obligatorii de răspundere civilă auto (RCA) / Insurance undertakings authorized by FSA to conduct
compulsory MTPL:
ALLIANZ - ŢIRIAC, ASIROM VIG, ASTRA Asigurări, CARPATICA ASIG, CITY Insurance, EUROINS România, GENERALI România, GROUPAMA Asigurări, OMNIASIG VIG,
UNIQA Asigurări

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)
375.4
EUROINS Romania - 20.84% 350

ASTRA Asigurari - 16.32%


330.6
CARPATICA ASIG - 13.84% 330
312.8
OMNIASIG VIG - 10.75%
310
CITY Insurance - 10.62%
ASIROM VIG - 8.77% EUR 292.0
290
ALLIANZ-TIRIAC - 7.15% 375.43 m. 275.8
GROUPAMA Asig. - 5.33% 271.0
270
UNIQA Asigurari - 2.53%
257.6
GENERALI Romania - 1.49%
250
RESTUL / OTHER - 2.73% S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
TOP 10 - 97.27% 2009 2010 2011 2012 2013 2014 2015

20 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Total asigurări de tip property


Overall property insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change in change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 OMNIASIG VIG* 22.42 23.07 102.60 22.76 101.60 1.37 2.57 - - - - 5.05 22.45 4.09 18.25 17.89 18.40
2 ALLIANZ-TIRIAC 15.68 18.59 82.67 16.40 73.20 13.36 14.71 - - - - - - - - 14.42 13.26
3 GROUPAMA AsigurarI 21.25 18.40 81.82 16.63 74.24 10.64 11.95 - - - - - - - - 14.27 13.44
4 GENERALI Romania* 28.09 14.82 65.90 15.50 69.19 -4.38 -3.25 - - 5.85 26.10 3.53 15.70 2.24 10.00 11.49 12.53
5 PAID 100.00 12.85 57.14 12.74 56.87 0.85 2.04 3.27 14.56 3.28 14.64 0.54 2.42 0.11 0.48 9.97 10.30
6 ASIROM VIG 14.13 9.77 43.44 10.83 48.36 -9.83 -8.76 3.38 15.01 - - 5.81 25.83 4.56 20.37 7.58 8.76
7 AIG EUROPE 67.87 7.27 32.34 3.78 16.86 92.54 94.82 4.81 21.39 - - 0.40 1.77 0.12 0.52 5.64 3.05
8 ASTRA Asigurari* 7.20 7.14 31.75 7.62 34.00 -6.26 -5.15 - - - - 3.15 14.01 - - 5.54 6.16
9 UNIQA Asigurari* 17.98 6.56 29.16 6.55 29.22 0.17 1.36 - - 3.96 17.69 - - 3.26 14.57 5.09 5.29
10 ASITO KAPITAL 70.75 3.34 14.86 0.43 1.93 670.95 680.09 3.28 14.57 0.38 1.69 0.06 0.29 0.19 0.83 2.59 0.35
11 GOTHAER Asigurari 40.08 3.28 14.59 3.73 16.63 -11.92 -10.87 1.86 8.26 2.37 10.56 0.94 4.20 0.59 2.63 2.55 3.01
12 FATA Asigurari 91.08 3.00 13.34 2.99 13.33 0.44 1.64 1.84 8.19 1.88 8.40 0.53 2.34 0.39 1.75 2.33 2.41
13 CARPATICA ASIG 2.87 1.66 7.39 1.75 7.81 -5.10 -3.97 0.17 0.78 0.39 1.73 0.65 2.87 0.36 1.62 1.29 1.41
14 GARANTA Asigurari 34.07 1.51 6.73 1.43 6.40 5.45 6.70 1.10 4.89 1.06 4.71 0.20 0.90 0.09 0.38 1.17 1.16
CREDIT EUROPE
15 30.16 1.39 6.17 0.92 4.09 51.28 53.07 0.80 3.54 0.46 2.03 0.37 1.63 0.09 0.42 1.08 0.74
Asigurari
16 CERTASIG 17.46 1.24 5.53 0.91 4.06 36.84 38.46 0.15 0.66 0.25 1.14 0.62 2.77 0.09 0.42 0.96 0.73
17 CITY Insurance 2.30 1.08 4.82 0.41 1.84 163.20 166.32 0.23 1.03 0.25 1.10 0.04 0.17 0.05 0.23 0.84 0.33
EUROLIFE ERB Asigurari
18 88.89 0.92 4.10 0.82 3.64 12.86 14.20 0.41 1.83 0.38 1.70 0.01 0.06 0.02 0.11 0.71 0.66
Generale
19 EUROINS Romania 1.08 0.87 3.89 0.80 3.59 8.88 10.18 - - - - 0.37 1.66 0.37 1.66 0.68 0.65
20 GRAWE Romania* 4.12 0.22 0.99 0.13 0.58 71.39 73.43 - - 0.07 0.32 - - 0.01 0.02 0.17 0.10
21 ATE Insurance 81.42 0.22 0.96 0.10 0.44 121.55 124.18 0.15 0.68 0.07 0.33 0.00 0.01 0.02 0.08 0.17 0.08
22 LIG Insurance 0.03 0.00 0.02 0.03 0.11 -85.66 -85.49 0.01 0.04 0.01 0.04 - - 0.00 0.00 0.00 0.02
23 ABC Asigurari - - - 0.13 0.60 - - - - 0.18 0.81 - - 0.01 0.03 - 0.11
24 FORTE Asigurari -0.60 -0.01 -0.06 0.09 0.40 -114.31 -114.48 0.05 0.23 0.07 0.30 0.00 0.01 0.00 0.00 -0.01 0.07
TOTAL TOP 10 121.79 541.66 113.22 505.47 7.57 8.85 NA NA NA NA NA NA NA NA 94.47 91.53
TOTAL 13.27 128.92 573.35 123.70 552.24 4.22 5.46 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


In cazul ASTRA Asigurari, GENERALI Romania si OMNAISIG VIG daunele pentru S1 2015 sunt aferente doar clasei de asigurari de incendiu si calamitati naturale
In case of ASTRA Asigurari, GENERALI Romania and OMNAISIG VIG the 1H2015 value of claims is related to the fire and allied perils insurance class

Cote de piață S1 2015 | Market share 1H2015 170


PBS (mil. EUR)/GWP (EUR m.)

164.4

OMNIASIG VIG - 17.89 % 159.5


160
ALLIANZ-TIRIAC - 14.42%
150.9
GROUPAMA Asig. - 14.27% 150
GENERALI Romania - 11.49% 144.1

PAID - 9.97% EUR 140


ASIROM VIG - 7.58% 128.92 m. 134.0
128.9
AIG EUROPE - 5.64% 130
123.7
ASTRA Asigurari - 5.54%
UNIQA Asigurari - 5.09% 120

RESTUL / OTHER - 5.53%


TOP 10 - 94.47%

Year XIII - no. 3/2015 (48) 21


S1 2015 ROMANIA

Asigurări de incendiu şi calamităţi naturale


Fire and allied perils insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change in change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 OMNIASIG VIG* 20.79 21.40 95.16 20.52 91.62 4.26 5.50 - - - - 5.05 22.45 3.38 15.10 19.61 19.82
2 ALLIANZ-TIRIAC 15.68 18.59 82.67 16.40 73.20 13.36 14.71 - - - - - - - - 17.03 15.84
3 GROUPAMA Asigurari 16.11 13.94 62.01 13.00 58.05 7.22 8.49 - - - - - - - - 12.77 12.56
4 PAID 100.00 12.85 57.14 12.74 56.87 0.85 2.04 3.27 14.56 3.28 14.64 0.54 2.42 0.11 0.48 11.77 12.30
5 GENERALI Romania* 21.21 11.19 49.77 10.74 47.95 4.21 5.44 - - 4.18 18.64 3.53 15.70 1.30 5.81 10.25 10.37
6 ASIROM VIG 11.34 7.84 34.86 7.61 33.95 3.05 4.27 3.06 13.62 - - 0.76 3.37 2.64 11.78 7.18 7.35
7 AIG Europe 67.87 7.27 32.34 3.76 16.76 93.64 95.94 4.81 21.39 - - 0.40 1.77 0.12 0.52 6.66 3.63
8 ASTRA Asigurari* 7.20 7.14 31.75 7.62 34.00 -6.26 -5.15 - - - - 3.15 14.01 - - 6.54 7.36
9 UNIQA Asigurari* 17.98 6.56 29.16 6.55 29.22 0.17 1.36 - - 3.96 17.69 - - 3.26 14.57 6.01 6.32
10 ASITO KAPITAL 70.75 3.34 14.86 0.43 1.93 670.95 680.09 3.28 14.57 0.38 1.69 0.06 0.29 0.19 0.83 3.06 0.42
11 CARPATICA ASIG 2.87 1.66 7.39 1.75 7.81 -5.10 -3.97 0.17 0.78 0.39 1.73 0.65 2.87 0.36 1.62 1.52 1.69
12 GARANTA Asigurari 33.64 1.49 6.64 1.42 6.33 5.40 6.65 1.09 4.84 1.05 4.67 0.19 0.84 0.08 0.38 1.37 1.37
CREDIT EUROPE
13 29.85 1.37 6.10 0.92 4.09 49.76 51.53 0.78 3.49 0.46 2.03 0.36 1.60 0.09 0.42 1.26 0.89
Asigurari
14 GOTHAER Asigurari 13.95 1.14 5.08 1.40 6.23 -18.15 -17.18 1.03 4.59 1.22 5.46 0.07 0.29 0.29 1.31 1.05 1.35
15 CITY Insurance 2.30 1.08 4.82 0.41 1.84 163.20 166.32 0.23 1.03 0.25 1.10 0.04 0.17 0.05 0.23 0.99 0.40
EUROLIFE ERB
16 88.89 0.92 4.10 0.82 3.64 12.86 14.20 0.41 1.83 0.38 1.70 0.01 0.06 0.02 0.11 0.84 0.79
Asigurari Generale
17 FATA Asigurari 25.87 0.85 3.79 0.72 3.20 18.74 20.15 0.46 2.04 0.42 1.87 0.48 2.12 0.36 1.61 0.78 0.69
18 EUROINS Romania 0.88 0.72 3.18 0.64 2.87 11.57 12.89 - - - - 0.32 1.44 0.24 1.05 0.66 0.62
19 CERTASIG 5.67 0.40 1.79 0.17 0.75 139.55 142.38 0.04 0.20 0.08 0.35 0.38 1.68 0.01 0.04 0.37 0.16
20 ATE Insurance 79.61 0.21 0.94 0.08 0.35 173.32 176.56 0.15 0.66 0.06 0.25 0.00 0.01 0.02 0.08 0.19 0.07
21 GRAWE Romania* 3.25 0.18 0.78 0.10 0.46 71.63 73.66 - - 0.05 0.24 - - 0.00 0.01 0.16 0.10
22 LIG Insurance 0.03 0.00 0.02 0.02 0.10 -83.45 -83.26 0.01 0.04 0.01 0.04 - - 0.00 0.00 0.00 0.02
23 ABC Asigurari - - - 0.19 0.86 - - - - 0.18 0.81 - - 0.01 0.03 - 0.19
24 FORTE Asigurari -0.63 -0.01 -0.06 0.09 0.39 -115.17 -115.35 0.05 0.21 0.07 0.29 0.00 0.01 0.00 0.00 -0.01 0.09
TOTAL TOP 5 77.96 346.74 73.40 327.69 6.22 7.48 NA NA NA NA NA NA NA NA 71.44 70.89
TOTAL 11.23 109.14 485.37 103.54 462.24 5.41 6.66 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


Pentru ALLIANZ-TIRIAC - cifrele prezentate reprezinta suma subscrierilor realizate pe clasele B VIII si B IX
In case of ALLIANZ-TIRIAC, the figures represents the sum of the underwrittings on the B VIII and B IX insurance classes

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

150
143.7
OMNIASIG VIG - 19.61% 140.1 142.1
140
ALLIANZ-TIRIAC - 17.03%

GROUPAMA Asig. - 12.77% 130


123.6 123.6
PAID - 11.93%
EUR 120
GENERALI Romania - 10.06%
109.14 m.
RESTUL / OTHER - 28.56% 109.1
110
103.5
TOP 5- 71.44%
100
S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
2009 2010 2011 2012 2013 2014 2015

22 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurări de daune la proprietăţi (asigurări agricole incluse)


Damages to property insurance (agricultural insurance included)
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
în EUR în RON
mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change in change 1H2015 1H2014 1H2015 1H2014 (%)
EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 GROUPAMA Asigurari 5.15 4.46 19.81 3.62 16.18 22.91 24.37 - - - - - - - - 22.52 17.98
2 GENERALI Romania* 6.87 3.63 16.13 4.76 21.24 -23.77 -22.87 - - 1.67 7.46 - - 0.94 4.19 18.33 23.60
3 FATA Asigurari 65.21 2.15 9.55 2.27 10.12 -5.34 -4.22 1.38 6.15 1.46 6.53 0.05 0.22 0.03 0.14 10.85 11.25
4 GOTHAER Asigurari 26.13 2.14 9.51 2.33 10.40 -8.19 -7.10 0.83 3.67 1.14 5.10 0.88 3.91 0.30 1.32 10.81 11.56
5 ASIROM VIG 2.79 1.93 8.59 3.23 14.41 -40.18 -39.47 0.31 1.39 - - 5.05 22.46 1.93 8.60 9.76 16.01
6 OMNIASIG VIG* 1.63 1.67 7.44 2.24 9.98 -25.19 -24.30 - - - - - - 0.70 3.14 8.45 11.09
7 CERTASIG 11.79 0.84 3.73 0.74 3.30 13.46 14.81 0.10 0.46 0.18 0.79 0.24 1.09 0.09 0.38 4.24 3.67
8 EUROINS Romania 0.20 0.16 0.71 0.16 0.72 -1.77 -0.61 - - - - 0.05 0.22 0.14 0.61 0.80 0.80
9 GRAWE Romania* 0.87 0.05 0.21 0.03 0.12 70.52 72.54 - - 0.02 0.08 - - 0.00 0.02 0.24 0.14
10 GARANTA Asigurari 0.43 0.02 0.08 0.02 0.08 9.42 10.72 0.01 0.05 0.01 0.04 0.01 0.06 0.00 0.01 0.10 0.09
CREDIT EUROPE
11 0.30 0.01 0.06 - - - - 0.01 0.05 - - 0.01 0.03 0.00 0.00 0.07 -
Asigurari
12 ATE Insurance 1.81 0.00 0.02 0.02 0.09 -76.24 -75.96 0.00 0.02 0.02 0.09 - - 0.00 0.00 0.02 0.10
13 FORTE Asigurari 0.03 0.00 0.00 0.00 0.00 -43.95 -43.29 0.00 0.01 0.00 0.00 - - - - 0.00 0.01
14 ABC Asigurari - - - -0.06 -0.26 - - - - 0.00 0.00 - - - - - -0.29
15 AIG Europe - - - 0.02 0.10 - - -0.00 -0.00 - - - - 0.00 0.00 - 0.11
16 LIG Insurance - - - 0.00 0.02 - - - - - - - - - - - 0.02
TOTAL TOP 10 17.04 75.76 19.39 86.57 -12.14 -11.10 NA NA NA NA NA NA NA NA 86.11 96.18
TOTAL 2.04 19.78 87.98 20.16 90.00 -1.87 -0.71 NA NA NA NA NA NA NA NA 100.00 100.00
* vezi nota de la pagina 11 / see the note on page 11

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

GROUPAMA Asig. - 22.52% 22


20.7
GENERALI Romania - 18.33% 20.5 20,1
19,7
20
FATA Asigurari - 10.85%
GOTHAER Asigurari - 10.81% 18
17.4
ASIROM VIG - 9.76%
OMNIASIG VIG - 8.45%
EUR 16

CERTASIG - 4.24% 19.78 m. 14


EUROINS Romania - 0.80%
GRAWE Romania - 0.24% 12
10.8 10.5
GARANTA Asigurari - 0.10%
10
RESTUL / OTHER - 13.89% S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
2009 2010 2011 2012 2013 2014 2015
TOP 10 - 86.11%

Year XIII - no. 3/2015 (48) 23


S1 2015 ROMANIA

Asigurări de accidente şi boală


Accidents and illness insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP change change (%)
1H2015 1H2014 1H2015 1H2014 1H2015 1H2014
in EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 METROPOLITAN Life* 12.50 3.23 14.36 3.14 14.00 2.95 4.18 - - - - - - - - 22.16 27.97
2 CREDIT EUROPE Asigurari 20.75 0.95 4.24 1.02 4.55 -6.35 -5.24 0.16 0.71 0.14 0.61 0.03 0.14 0.01 0.06 6.55 9.08
3 GARANTA Asigurari 14.10 0.63 2.78 0.19 0.85 228.03 231.92 0.00 0.01 0.00 0.02 0.02 0.11 0.02 0.11 4.30 1.70
4 OMNIASIG VIG* 0.50 0.51 2.27 0.61 2.71 -15.85 -14.85 - - - - - - 1.28 5.72 3.50 5.41
5 AIG Europe 3.55 0.38 1.69 0.13 0.57 198.77 202.31 0.00 0.02 - - 0.17 0.76 0.14 0.64 2.61 1.13
6 ASIROM VIG 0.53 0.37 1.63 0.38 1.68 -2.87 -1.72 0.19 0.84 - - 0.02 0.09 0.03 0.11 2.51 3.36
7 GENERALI Romania* 0.64 0.34 1.50 0.30 1.33 13.29 14.63 - - 0.05 0.23 - - 0.06 0.25 2.31 2.65
8 CARPATICA ASIG 0.58 0.34 1.50 0.19 0.83 80.20 82.33 - - - - 0.02 0.09 0.03 0.12 2.31 1.67
9 EUROINS Romania 0.36 0.29 1.30 0.04 0.19 578.56 586.60 - - - - 0.00 0.02 0.01 0.03 2.01 0.38
10 CITY Insurance 0.52 0.24 1.09 0.02 0.11 891.98 903.74 0.01 0.05 - - 0.02 0.10 0.00 0.00 1.68 0.22
11 UNIQA Asigurari* 0.62 0.23 1.01 0.47 2.11 -51.91 -51.34 - - 0.32 1.44 - - 0.25 1.13 1.56 4.22
12 GROUPAMA Asigurari 0.26 0.22 1.00 0.26 1.17 -14.63 -13.62 - - - - - - - - 1.54 2.34
13 FORTE Asigurari 7.74 0.17 0.73 0.01 0.05 1,420.52 1,438.54 0.08 0.37 0.00 0.02 - - - - 1.13 0.10
14 ASITO KAPITAL 3.46 0.16 0.73 0.15 0.66 10.33 11.63 - - - - 0.01 0.04 0.01 0.02 1.12 1.32
UNIQA Asigurari de
15 2.10 0.09 0.41 - - - - - - - - - - - - 0.64 -
Viata*
16 CERTASIG 0.97 0.07 0.31 0.02 0.09 251.35 255.51 0.01 0.04 0.00 0.00 0.00 0.01 - - 0.48 0.18
17 GOTHAER Asigurari 0.70 0.06 0.26 0.07 0.30 -12.95 -11.91 0.00 0.01 0.01 0.04 - - - - 0.40 0.59
EUROLIFE ERB
18 4.90 0.05 0.23 0.03 0.15 52.67 54.48 0.01 0.05 - - 0.00 0.00 0.00 0.01 0.35 0.30
Asigurari Generale
19 GRAWE Romania* 0.86 0.05 0.21 0.01 0.06 238.04 242.04 - - 0.01 0.03 - - 0.00 0.00 0.32 0.12
SIGNAL IDUNA
20 0.38 0.01 0.06 0.01 0.05 18.77 20.18 - - - - 0.00 0.00 0.00 0.00 0.10 0.11
Asigurari de Viata
21 AXA Life Insurance 0.27 0.01 0.03 0.01 0.04 -36.07 -35.31 - - - - 0.00 0.01 0.00 0.00 0.04 0.08
22 FATA Asigurari 0.06 0.00 0.01 0.00 0.02 -49.74 -49.15 - - - - - - 0.00 0.01 0.01 0.03
23 ATE Insurance 0.12 0.00 0.00 0.00 0.00 9.31 10.60 0.00 0.00 0.00 0.00 0.00 0.00 - - 0.00 0.00
24 LIG Insurance 0.00 0.00 0.00 0.00 0.00 -94.52 -94.45 0.00 0.00 0.00 0.00 - - - - 0.00 0.01
25 ABC Asigurari - - - 0.02 0.07 - - - - 0.01 0.05 - - - - - 0.14
CARDIF Assurances
26 - - - 0.71 3.18 - - - - - - - - 0.01 0.04 - 6.36
Risques Divers
27 NN Asigurari de Viata* - - - 0.14 0.62 - - - - - - - - 0.01 0.06 - 1.25
TOP 10 7.28 32.35 6.01 26.82 21.10 22.54 NA NA NA NA NA NA NA NA 49.94 53.59
TOTAL** 1.50 14.57 64.79 11.21 50.05 29.95 31.49 NA NA NA NA NA NA NA NA 100.00 100.00
* vezi nota de la pagina 11 / see the note on page 11
**include clasa B1 din cadrul asigurarilor de viata / including B1 realized by life insurers

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

22
METROPOLITAN Life - 22.161% 20.9
CREDIT EUROPE Asig. - 6.55% 20
GARANTA Asigurari - 4.30%
18
OMNIASIG VIG - 3.50%
AIG Europe - 2.61% 16
14.57
ASIROM VIG - 2.51% EUR 14
13.7
GENERALI Romania - 2.31%
CARPATICA ASIG - 2.31%
14.57 m. 12
11.21
EUROINS Romania - 2.01% 10.0 9.5
10
9.3
CITY Insurance - 1.68%
8
RESTUL / OTHER - 50.06%
S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
TOP 10 - 49.94% 2009 2010 2011 2012 2013 2014 2015

24 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurări de sănătate
Health insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil.RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP change change (%)
1H2015 1H2014 1H2015 1H2014 1H2015 1H2014
in EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
SIGNAL IDUNA
1 96.20 3.69 16.43 2.87 12.80 28.89 30.41 - - - - 2.12 9.44 1.05 4.68 30.97 28.61
Asigurari de Viata
2 GROUPAMA Asigurari 2.31 2.00 8.88 1.20 5.35 66.70 68.68 - - - - - - - - 16.74 11.96
BCR Asigurari de Viata
3 7.41 1.76 7.81 2.34 10.43 -24.82 -23.92 - - 0.01 0.05 - - 0.62 2.77 14.72 23.32
VIG*
4 GENERALI Romania* 1.02 0.54 2.39 - - - - - - - - - - - - 4.51 -
5 ASIROM VIG 0.35 0.24 1.09 0.14 0.62 76.09 78.17 0.00 0.02 - - 0.00 0.02 - - 2.05 1.38
6 METROPOLITAN Life* 0.83 0.22 0.96 0.39 1.75 -45.02 -44.37 - - - - - - - - 1.80 3.91
7 ASITO KAPITAL 3.88 0.18 0.82 0.19 0.83 -1.38 -0.21 - - - - 0.06 0.25 0.06 0.28 1.54 1.86
CREDIT EUROPE
8 2.29 0.11 0.47 0.10 0.43 8.72 10.00 0.01 0.04 0.01 0.03 0.01 0.06 0.01 0.03 0.88 0.96
Asigurari
BRD Asigurari de
9 0.91 0.09 0.41 0.10 0.44 -7.59 -6.49 - - - - - - 0.00 0.00 0.77 0.99
Viata*
10 CARPATICA ASIG 0.13 0.08 0.34 0.01 0.06 478.73 485.59 - - - - - - - - 0.63 0.13
11 GARANTA Asigurari 1.07 0.05 0.21 0.04 0.17 27.51 29.02 0.04 0.16 0.03 0.13 0.00 0.02 0.00 0.01 0.40 0.37
12 UNIQA Asigurari* 0.11 0.04 0.17 0.05 0.22 -21.61 -20.68 - - - - - - 0.13 0.56 0.33 0.50
13 GOTHAER Asigurari 0.13 0.01 0.05 0.01 0.05 -2.03 -0.87 0.01 0.04 0.00 0.01 - - 0.00 0.00 0.09 0.11
14 EUROINS Romania 0.00 0.00 0.01 0.00 0.00 64.86 66.82 - - - - - - - - 0.02 0.01
15 OMNIASIG VIG* 0.00 0.00 0.01 0.00 0.01 12.58 13.91 - - - - - - 0.00 0.00 0.01 0.02
16 AXA Life Insurance 0.07 0.00 0.01 -0.00 -0.01 -172.26 -173.11 - - - - - - 0.17 0.76 0.01 -0.02
CARDIF Assurances
17 - - - 0.94 4.20 - - - - 0.00 0.00 - - 0.04 0.18 - 9.40
Risques Divers
TOP 10 8.90 39.58 7.32 32.70 21.51 22.95 NA NA NA NA NA NA NA NA 74.62 73.12
TOTAL** 1.23 11.93 53.04 10.02 44.72 19.06 20.48 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


**include clasa B2 din cadrul asigurarilor de viata / including B2 realized by life insurers

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

12 11.9
SIGNAL IDUNA - 30.97%
10.3 10.0
GROUPAMA Asigurari - 16.74%
10 9.4
BCR Asig. de Viata VIG - 14.72%
GENERALI Romania - 4.51%
ASIROM VIG - 2.05% 8
METROPOLITAN Life - 1.80%
ASITO KAPITAL - 1.54% EUR 6
CREDIT EUROPE Asigurari - 0.88% 11.93 m. 4.5
BRD Asigurari de Viata -0.77% 4
CARPATICA ASIG. - 0.63% 3.0 2.8
RESTUL / OTHER - 25.38%
2
TOP 10 - 74.62% S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
2009 2010 2011 2012 2013 2014 2015

Year XIII - no. 3/2015 (48) 25


S1 2015 ROMANIA

Asigurări de răspundere civilă generală


GTPL insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP change in change (%)
1H2015 1H2014 1H2015 1H2014 1H2015 1H2014
EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 LIG Insurance 85.11 9.12 40.55 10.27 45.83 -11.19 -10.14 1.00 4.44 0.00 0.01 0.06 0.26 0.01 0.06 27.97 26.82
2 OMNIASIG VIG* 4.54 4.67 20.78 3.66 16.32 27.80 29.31 - - - - - - 22.01 98.28 14.33 9.55
3 ALLIANZ-TIRIAC 3.78 4.49 19.95 3.86 17.26 16.05 17.42 - - - - - - - - 13.76 10.10
4 GENERALI Romania* 7.09 3.74 16.63 2.50 11.16 49.63 51.40 - - 1.58 7.06 - - 0.05 0.23 11.47 6.53
5 UNIQA Asigurari* 7.88 2.87 12.78 1.45 6.47 98.19 100.54 - - 1.08 4.82 - - 0.08 0.36 8.81 3.79
6 ASIROM VIG 3.07 2.12 9.43 1.77 7.91 19.69 21.11 1.33 5.90 - - 0.09 0.38 1.04 4.65 6.50 4.63
7 AIG Europe 19.64 2.10 9.36 1.37 6.10 54.06 55.89 0.21 0.92 - - 0.45 1.98 0.16 0.71 6.45 3.57
8 GROUPAMA Asigurari 1.62 1.41 6.25 1.33 5.94 5.69 6.94 - - - - - - - - 4.31 3.47
9 CARPATICA ASIG 1.73 1.00 4.45 0.83 3.70 20.85 22.28 0.04 0.18 0.04 0.18 0.01 0.06 0.00 0.00 3.07 2.16
10 CITY Insurance 1.77 0.83 3.70 4.72 21.07 -82.38 -82.17 0.61 2.71 1.35 6.01 1.19 5.31 2.69 12.02 2.55 12.33
11 CERTASIG 10.88 0.77 3.44 0.58 2.59 33.68 35.27 0.05 0.21 0.04 0.20 0.03 0.11 0.02 0.07 2.38 1.51
12 EUROINS Romania 0.93 0.76 3.38 0.80 3.56 -4.73 -3.60 - - - - 0.01 0.02 -0.00 -0.00 2.33 2.08
13 GOTHAER Asigurari 5.52 0.45 2.01 0.49 2.19 -7.96 -6.87 0.17 0.74 0.12 0.51 0.02 0.08 0.01 0.06 1.39 1.28
14 ASITO KAPITAL 8.52 0.40 1.79 0.44 1.98 -9.26 -8.18 0.35 1.57 0.36 1.61 0.00 0.01 0.00 0.00 1.23 1.16
CREDIT EUROPE
15 7.84 0.36 1.60 0.33 1.45 10.62 11.93 0.24 1.06 0.25 1.10 0.01 0.02 0.00 0.01 1.11 0.85
Asigurari
16 FORTE Asigurari 8.18 0.17 0.78 0.12 0.55 42.55 44.24 0.03 0.15 0.04 0.19 0.00 0.00 0.00 0.01 0.53 0.32
17 GARANTA Asigurari 1.86 0.08 0.37 0.06 0.26 40.24 41.91 0.06 0.27 0.04 0.20 0.00 0.01 0.00 0.01 0.25 0.15
EUROLIFE ERB
18 6.18 0.06 0.29 0.06 0.29 -0.65 0.52 0.05 0.24 0.06 0.25 0.00 0.00 - - 0.20 0.17
Asigurari Generale
19 GRAWE Romania* 0.14 0.01 0.03 0.00 0.01 134.21 136.99 - - 0.00 0.01 - - 0.00 0.00 0.02 0.01
20 FATA Asigurari 0.12 0.00 0.02 0.00 0.02 3.67 4.90 0.00 0.01 0.00 0.01 - - - - 0.01 0.01
21 ATE Insurance 0.50 0.00 0.01 - - - - 0.00 0.00 - - - - - - 0.00 -
22 ABC Asigurari - - - 0.47 2.09 - - - - 0.04 0.16 - - 0.00 0.01 - 1.22
TOP 10 32.35 143.87 31.75 141.75 1.89 3.10 NA NA NA NA NA NA NA NA 99.22 82.94
TOTAL 3.36 32.60 145.00 38.28 170.92 -14.84 -13.83 NA NA NA NA NA NA NA NA 100.00 100.00
* vezi nota de la pagina 11 / see the note on page 11

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

65
LIG Insurance - 27.97% 60.5
OMNIASIG VIG - 14.33%
55
ALLIANZ-TIRIAC - 13.76%
46.6
GENERALI Romania - 11.47%
45
UNIQA Asigurari - 8.81%
38.2
ASIROM VIG - 6.50% EUR 35
AIG Europe - 6.45%
32.60 m. 32.6

GROUPAMA Asigurari - 4.31%


25
CARPATICA ASIG - 3.07% 21.4
16.9 17.4
CITY Insurance - 2.55%
15
RESTUL / OTHER - 0.78%
S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
TOP 10 - 99.22% 2009 2010 2011 2012 2013 2014 2015

26 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Asigurări de asistenţă turistică


Travel insurance
Nr.. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP change change (%)
1H2015 1H2014 1H2015 1H2014 1H2015 1H2014
in EUR in RON
EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 ALLIANZ-TIRIAC 4.23 5.01 22.27 4.21 18.81 18.86 20.27 - - - - - - - - 58.43 54.66
2 GENERALI Romania* 3.60 1.90 8.44 1.87 8.33 1.76 2.96 - - 0.02 0.11 - - 0.39 1.73 22.15 24.20
3 GROUPAMA Asigurari 0.89 0.77 3.42 0.70 3.11 10.42 11.72 - - - - - - - - 8.96 9.02
4 CARPATICA ASIG 0.88 0.51 2.27 0.40 1.80 26.14 27.63 0.01 0.04 0.01 0.04 0.20 0.88 0.11 0.51 5.94 5.24
5 OMNIASIG VIG* 0.48 0.49 2.18 0.67 2.98 -26.58 -25.71 - - - - - - 0.24 1.06 5.71 8.65
6 AIG Europe 3.71 0.40 1.77 1.12 5.00 -64.50 -64.08 0.01 0.02 - - 0.25 1.10 0.27 1.19 4.64 14.52
7 UNIQA Asigurari* 1.06 0.38 1.71 0.32 1.41 21.59 23.03 - - - - - - - - 4.49 4.11
CREDIT EUROPE
8 6.69 0.31 1.37 0.20 0.89 54.67 56.50 - - - - 0.09 0.42 0.06 0.26 3.59 2.58
Asigurari
9 CITY Insurance 0.63 0.29 1.31 0.23 1.01 30.23 31.77 - - - - 0.07 0.30 0.06 0.26 3.43 2.93
10 GOTHAER Asigurari 2.29 0.19 0.83 0.16 0.71 17.80 19.20 0.02 0.08 - - 0.05 0.24 0.01 0.06 2.19 2.06
11 ASIROM VIG 0.25 0.17 0.76 0.18 0.80 -4.73 -3.60 0.03 0.14 - - 0.07 0.29 0.10 0.42 1.99 2.32
12 EUROINS Romania 0.14 0.11 0.51 0.11 0.47 8.89 10.18 - - - - 0.04 0.19 0.02 0.10 1.34 1.36
13 CERTASIG 0.13 0.01 0.04 0.00 0.02 134.42 137.20 - - - - 0.00 0.00 0.00 0.00 0.11 0.05
14 ATE Insurance 3.13 0.01 0.04 0.01 0.06 -41.96 -41.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.10 0.19
15 GRAWE Romania* 0.09 0.00 0.02 0.01 0.03 -11.84 -10.79 - - 0.00 0.02 - - 0.00 0.00 0.06 0.07
16 LIG Insurance 0.00 0.00 0.00 - - - - - - - - 0.00 0.00 - - 0.00 -
17 ABC Asigurari - - - 0.03 0.13 - - - - 0.01 0.05 - - 0.01 0.03 - 0.38
CARDIF Assurances
18 - - - 0.03 0.14 - - - - 0.02 0.07 - - 0.01 0.04 - 0.42
Risques Divers
TOP 3 7.67 34.13 6.77 30.25 13.28 14.63 NA NA NA NA NA NA NA NA 89.54 87.88
TOTAL 0.88 8.57 38.12 7.71 34.42 11.19 12.51 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11


Pentru ALLIANZ-TIRIAC - cifrele prezentate reprezinta suma subscrierilor realizate pe clasele B II si B XVIII
In case of ALLIANZ-TIRIAC, the figures represents the sum of the underwrittings on the B II and B XVIII insurance classes

Cote de piață S1 2015 | Market share 1H2015 PBS (mil. EUR)/GWP (EUR m.)

12
ALLIANZ-TIRIAC - 58.43%

GENERALI Romania - 22.15%


10
GROUPAMA Asigurari - 8.96%
8.57
RESTUL / OTHER - 10.46%
EUR 8
7.7 7.7
TOP 3 - 89.54% 8.57 m. 6.2 6.1
6
4.9

4 4.0
S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1 S1/H1
2009 2010 2011 2012 2013 2014 2015

Year XIII - no. 3/2015 (48) 27


S1 2015 ROMANIA

Asigurări de credite
Credit insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change in change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 GROUPAMA Asigurari 0.31 0.27 1.18 0.60 2.69 -55.95 -55.42 - - - - - - - - 31.16 21.84
CREDIT EUROPE
2 0.82 0.04 0.17 0.38 1.71 -90.17 -90.05 0.04 0.17 0.38 1.69 0.05 0.23 0.26 1.16 4.42 13.89
Asigurari
3 GARANTA Asigurari 0.13 0.01 0.03 1.42 6.34 -99.58 -99.58 - - 0.42 1.89 - - 1.45 6.46 0.70 51.45
4 OMNIASIG VIG* 0.00 0.01 0.02 0.03 0.15 -84.99 -84.82 - - - - - - 0.28 1.24 0.60 1.23
5 AIG Europe - - - 0.50 2.22 - - - - - - - - - - - 18.04
6 ASIROM VIG - - - 0.00 0.00 - - - - - - - - - - - 0.00
7 CARPATICA ASIG - - - - - - - - - - - 0.05 0.22 0.08 0.38 - -
TOP 3 0.31 1.37 2.41 10.74 -87.15 -87.00 NA NA NA NA NA NA NA NA 36.28 87.18
TOTAL 0.09 0.85 3.79 2.76 12.32 -69.12 -68.76 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 11 / see the note on page 11

Asigurări de garanţii
Warranties insurance
Nr. Compania % în total PRIME BRUTE SUBSCRISE Evoluţie Evoluţie PRIME CEDATE ÎN REASIGURARE DAUNE PLĂTITE Cota de piaţă
PBS S1 2015 S1 2014 nominală reală S1 2015 S1 2014 S1 2015 S1 2014 (%)
mil. EUR mil. RON mil. EUR mil. RON în EUR în RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON mil. EUR mil. RON S1 2015 S1 2014
No. Company % in all GROSS WRITTEN PREMIUM Nominal Real PREMIUMS CEDED IN REINSURANCE PAID CLAIMS Market share
GWP 1H2015 1H2014 change change 1H2015 1H2014 1H2015 1H2014 (%)
EUR m. RON m. EUR m. RON m. in EUR in RON EUR m. RON m. EUR m. RON m. EUR m. RON m. EUR m. RON m. 1H2015 1H2014
1 CITY Insurance 7.72 3.63 16.15 1.22 5.46 197.14 200.66 1.50 6.66 0.16 0.73 1.18 5.27 0.88 3.92 19.80 7.96
2 CERTASIG 28.68 2.04 9.08 1.66 7.39 23.27 24.73 0.46 2.06 0.51 2.27 1.09 4.86 0.57 2.55 11.13 10.79
3 LIG Insurance 14.73 1.58 7.02 6.09 27.19 -74.08 -73.78 0.71 3.18 0.10 0.45 0.48 2.11 0.29 1.29 8.61 39.68
4 FORTE Asigurari 33.93 0.72 3.22 0.86 3.83 -15.76 -14.76 0.03 0.12 0.16 0.70 0.02 0.08 0.00 0.02 3.94 5.59
5 OMNIASIG VIG* 0.48 0.50 2.21 0.42 1.87 18.79 20.19 - - - - - - 0.06 0.28 2.72 2.73
6 GOTHAER Asigurari 5.53 0.45 2.01 0.44 1.97 2.78 4.00 0.33 1.45 0.39 1.74 0.16 0.72 0.08 0.36 2.47 2.87
7 ASITO KAPITAL 7.34 0.35 1.54 0.29 1.31 17.90 19.30 0.18 0.80 0.19 0.83 0.01 0.05 - - 1.89 1.92
8 EUROINS Romania 0.32 0.26 1.16 0.21 0.92 25.93 27.42 - - - - 0.02 0.11 0.17 0.76 1.42 1.35
9 CARPATICA ASIG 0.29 0.17 0.75 0.19 0.86 -13.30 -12.27 0.09 0.40 0.12 0.52 0.01 0.03 - - 0.92 1.26
10 ASIROM VIG 0.11 0.08 0.33 0.16 0.70 -51.91 -51.34 0.09 0.40 - - 0.04 0.20 - - 0.41 1.02
11 GROUPAMA Asigurari 0.07 0.06 0.26 0.05 0.21 24.80 26.28 - - - - - - - - 0.32 0.31
12 GENERALI Romania* 0.10 0.06 0.25 0.11 0.47 -48.03 -47.42 - - 0.08 0.35 - - - - 0.30 0.69
13 ATE Insurance 10.17 0.03 0.12 - - - - 0.02 0.07 - - - - - - 0.15 -
14 GARANTA Asigurari 0.05 0.00 0.01 0.00 0.00 166.96 170.12 - - - - - - 0.00 0.00 0.01 0.01
15 ABC Asigurari - - - 0.66 2.95 - - - - 0.23 1.02 - - - - - 4.30
16 ONIX Asigurari - - - 2.15 9.60 - - - - - - - - 0.00 0.01 - 14.01
TOP 10 9.77 43.47 11.54 51.50 -15.28 -14.27 NA NA NA NA NA NA NA NA 53.30 75.17
TOTAL 1.89 18.34 81.55 15.35 68.52 19.48 20.89 NA NA NA NA NA NA NA NA 100.00 100.00

* vezi nota de la pagina 7 / see the note on page 7

28 Anul XIII - Numărul 3/2015 (48)


CREȘTEM ÎMPREUNĂ
PRIN PROFESIONALISM
ȘI FAIRPLAY!

Pentru a oferi soluții optime de asigurare și produse


personalizate, e nevoie de mult profesionalism,
disponibilitate, abordabilitate, proactivitate și operativitate.
E nevoie de o evoluție continuă și, cel mai important,
de relații bazate pe încredere. Împreună ne dezvoltăm
încontinuu și avem astăzi de partea noastră peste
1 milion de clienți în România.

Vă mulțumim pentru
încrederea acordată!

Premiul UNSICAR pentru Fairplay


în relaţia cu brokerii - 2014 ASIGURĂRI INTELIGENTE
S1 2015 ROMANIA

Structura portofoliului pe clase de asigurări şi companii


Breakdown of GWP per insurance companies and classes
Nr. Compania ASIGURĂRI DE VIAŢĂ ASIGURĂRI ASIGURĂRI DE TIP PROPERTY ASIGURĂRI AUTO
GENERALE
TOTAL Asigurări de Asigurări Asigurări de Asigurări TOTAL TOTAL INCENDII ŞI DAUNE LA TOTAL CASCO RCA
viaţă, anuităţi de căsătorie, viaţă şi anuităţi permanente CALAMITĂŢI PROPRIETĂŢI
asigurări de legate de fonduri de sănătate NATURALE
naştere de investiţii

% % % % % % % % % % % %
No. Company LIFE INSURANCE NON-LIFE PROPERTY MOTOR
INSURANCE
TOTAL Life insurance, Marriage Life insurance Permanent TOTAL TOTAL FIRE AND DAMAGES TO TOTAL MOTOR MOTOR
annuities and insurance, and annuities health ALLIED PROPERTY HULL THIRD PART
supplementary birth related to insurance PERILS LIABILITY
insurance insurance investment
funds

% % % % % % % % % % % %
1 AEGON Romania 100.00 79.52 - 20.48 - - - - - - - -
2 AIG Europe - - - - - 100.00 67.87 67.87 - - - -
3 ALLIANZ-TIRIAC 10.28 6.00 - 4.28 - 89.72 15.68 15.68 - 62.68 40.03 22.64
4 ASIROM VIG 14.92 14.92 - - - 85.08 14.13 11.34 2.79 65.17 17.54 47.62
5 ASITO KAPITAL - - - - - 100.00 70.75 70.75 - 3.37 3.37 -
6 ASTRA Asigurari* 1.17 1.17 - - - 98.83 7.20 7.20 - 71.13 9.32 61.81
7 ATE Insurance - - - - - 100.00 81.42 79.61 1.81 0.30 0.30 -
8 AXA Life Insurance 99.66 88.28 5.19 6.19 - 0.34 - - - - - -
9 BCR Asigurari de Viata VIG* 92.59 37.30 - 55.29 - 7.41 - - - - - -
10 BRD Asigurari de Viata* 99.09 91.39 - 6.36 1.34 0.91 - - - - - -
11 CARPATICA ASIG - - - - - 100.00 2.87 2.87 - 93.51 6.01 87.50
12 CERTASIG - - - - - 100.00 17.46 5.67 11.79 0.03 0.03 -
13 CITY Insurance - - - - - 100.00 2.30 2.30 - 87.01 2.20 84.80
14 CREDIT EUROPE Asigurari - - - - - 100.00 30.16 29.85 0.30 29.71 29.71 -
15 ERGO Asigurari de Viata (e) 100.00 68.00 - 32.00 - - - - - - - -
16 EUROINS Romania - - - - - 100.00 1.08 0.88 0.20 97.15 1.00 96.14
EUROLIFE ERB Asigurari
17 100.00 100.00 - - - - - - - - - -
de Viata
EUROLIFE ERB Asigurari
18 - - - - - 100.00 88.89 88.89 - - - -
Generale
19 FATA Asigurari - - - - - 100.00 91.08 25.87 65.21 8.54 8.49 0.05
20 FORTE Asigurari - - - - - 100.00 (0.60) (0.63) 0.03 42.57 42.57 -
21 GARANTA Asigurari 17.98 17.98 - - - 82.02 34.07 33.64 0.43 17.06 17.06 -
22 GENERALI Romania* 16.33 14.12 0.00 1.90 0.31 83.67 28.09 21.21 6.87 41.36 30.78 10.58
23 GOTHAER Asigurari - - - - - 100.00 40.08 13.95 26.13 38.89 37.33 1.56
24 GRAWE Romania* 94.79 94.69 - - 0.09 5.21 4.12 3.25 0.87 - - -
25 GROUPAMA Asigurari 6.16 6.16 - - - 93.84 21.25 16.11 5.15 65.83 42.73 23.10
26 LIG Insurance - - - - - 100.00 0.03 0.03 - 0.12 0.12 -
27 METROPOLITAN Life* 86.67 65.00 - 21.67 - 13.33 - - - - - -
28 NN Asigurari de Viata* 100.00 49.00 - 51.00 - - - - - - - -
29 OMNIASIG VIG* - - - - - 100.00 22.42 20.79 1.63 67.12 27.90 39.22
30 PAID - - - - - 100.00 100.00 100.00 - - - -
SIGNAL IDUNA Asigurari
31 3.43 3.09 - 0.33 - 96.57 - - - - - -
de Viata
32 UNIQA Asigurari de Viata* 97.90 97.89 - - 0.01 2.10 - - - - - -
33 UNIQA Asigurari* - - - - - 100.00 17.98 17.98 - 69.59 43.53 26.06
% 18.34 12.39 0.01 5.91 0.03 81.66 13.27 11.23 2.04 57.74 19.09 38.64
TOTAL ** TOTAL * *
1H2014 1H2015

971.51 mil. EUR 178.20 120.34 0.11 57.45 0.30 793.31 128.92 109.14 19.78 560.93 185.50 375.43
4,320.69 mil.RON 792.53 535.19 0.51 255.51 1.32 3,528.16 573.35 485.37 87.98 2,494.67 824.99 1,669.68
% 18.52 12.86 0.01 5.60 0.05 81.48 13.90 11.63 2.26 56.49 21.43 35.06
890.08 mil EUR 164.86 114.50 0.12 49.83 0.41 725.21 123.70 103.54 20.16 502.80 190.71 312.08
3,973.74mil. RON 736.03 511.19 0.55 222.48 1.81 3,237.71 552.24 462.24 90.00 2,244.74 851.44 1,393.30
(e) estimari INSURANCE Profile / INSURANCE Profile estimates
*Strucutra portofoliului de prime brute subscrie este preluata din T1/2015 (INSURANCE Profile nr. 2/2015) / The GWP portfolio is related to 1Q2015
(according to INSURANCE Profile no. 2/2015)

**Atat pentru S1 2015 cat si pentru S1 2014 - toate totalurile sunt conform ASF / For both periods - 1H2015 and 1H2014 - the totals are according to FSA

30 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

ASIGURĂRI DE ASIGURĂRI DE ASIGURĂRI MIJLOACE ASIGURĂRI ASIGURĂRI DE ASIGURĂRI DE ASIGURĂRI ASIGURĂRI DE ASIGURĂRI DE ALTE CLASE DE
ACCIDENTE ŞI SĂNĂTATE DE TRANSPORT DE BUNURI CREDITE GARANŢII DE PIERDERI ASISTENŢĂ A RĂSPUNDERE ASIGURĂRI
BOALĂ FEROVIAR, AERIAN, ÎN TRANZIT, FINANCIARĂ PERSOANELOR CIVILĂ GENERALĂ
NAVAL - ÎNSUMATE INCLUSIV BUNURI AFLATE ÎN
TRANSPORTATE, DIFICULTATE
BAGAJE ŞI ORICE
ALTE BUNURI
% % % % % % % % % %
ACCIDENTS HEALTH RAIL TRANSPORT GOODS IN CREDIT WARRANTIES FINANCIAL LOSS ASSISTANCE OF LIABILITY OTHERS
AND ILLNESS INSURANCE MEANS INSURANCE, TRANSIT INSURANCE INSURANCE INSURANCE THE PERSONS INSURANCE
INSURANCE AIRCRAFT INSURANCE IN DIFFICULTY
INSURANCE, SHIPS INCLUDING INSURANCE
INSURANCE (OCEAN, CARGO, BAGGAGE
INLAND) ADDED UP AND ANY
OTHER GOODS
TRANSPORTATION

% % % % % % % % % %
- - - - - - - - - -
3.55 - - 1.06 - - 4.17 3.71 19.64 0.00
- - - - - - - 4.23 3.78 3.35
0.53 0.35 0.36 0.64 - 0.11 0.45 0.25 3.07 0.02
3.46 3.88 1.60 1.08 - 7.34 - - 8.52 -
- - 3.71 - - - - - - 16.78
0.12 - - 4.35 - 10.17 - 3.13 0.50 -
0.27 0.07 - - - - - - - -
- 7.41 - - - - - - - -
- 0.91 - - - - - - - -
0.58 0.13 - 0.01 - 0.29 - 0.88 1.73 -
0.97 - 24.08 6.29 - 28.68 - 0.13 10.88 11.48
0.52 - - 0.05 - 7.72 - 0.63 1.77 -
20.75 2.29 0.78 0.95 0.82 - 0.03 6.69 7.84 -
- - - - - - - - - -
0.36 0.00 0.01 0.01 - 0.32 0.00 0.14 0.93 -
- - - - - - - - - -

4.90 - - 0.03 - - - - 6.18 -


0.06 - - 0.20 - - - - 0.12 -
7.74 - 8.08 0.00 - 33.93 0.09 - 8.18 -
14.10 1.07 - 1.64 0.13 0.05 12.05 - 1.86 -
0.64 1.02 0.38 0.31 - 0.10 0.15 3.60 7.09 0.93
0.70 0.13 2.36 0.75 - 5.53 2.27 2.29 5.52 1.48
0.86 - - - - - - 0.09 0.14 -
0.26 2.31 0.40 0.40 0.31 0.07 0.48 0.89 1.62 0.03
0.00 - - - - 14.73 - 0.00 85.11 -
12.50 0.83 - - - - - - - -
- - - - - - - - - -
0.50 0.00 1.05 0.42 0.00 0.48 0.05 0.48 4.54 2.94
- - - - - - - - - -
0.38 96.20 - - - - - - - -
2.10 - - - - - - - - -
0.62 0.11 0.03 1.42 - - - 1.06 7.88 1.32
1.50 1.23 0.71 0.33 0.09 1.89 0.33 0.88 3.36 0.34
14.57 11.93 6.94 3.18 0.85 18.34 3.18 8.57 32.60 3.30
64.79 53.04 30.85 14.15 3.79 81.55 14.15 38.12 145.00 14.70
1.26 1.13 0.50 0.37 0.31 1.72 0.28 0.87 4.30 0.35
11.21 10.02 4.46 3.33 2.76 15.35 2.47 7.71 38.28 3.14
50.05 44.72 19.89 14.85 12.32 68.52 11.01 34.42 170.92 14.03

Year XIII - no. 3/2015 (48) 31


S1 2015 ROMANIA

PIAŢA DE BROKERAJ MEDIATION MARKET


Spre pragul de Towards 60% of
60% din piață the total market
În primele șase luni ale anului 2015, piața de brokeraj în In the first six months of 2015, the insurance brokerage market
asigurări a totalizat 2,50 miliarde de lei (564 milioane euro), totaled RON 2.50 billion (EUR 564 million), representing 58.05%
reprezentând 58,05% din primele brute subscrise de asigurători, of insurers’ total gross written premiums, according to the report
conform ASF. Pe clase de asigurare, datele centralizate de published by the Romanian Financial Supervisory Authority -
INSURANCE Profile indică un volum de 2,46 miliarde lei pentru FSA. On insurance classes, INSURANCE Profile’s centralized data
primele intermediate pe clasele de asigurări generale (grad de indicates a volume of RON 2.46 billion for the non-life insurance
intermediere de 70%), respectiv 43 milioane lei pentru polițele classes (resulting a mediation degree of 70%), and RON 43 mil-
de viață (5,5%). lion for life insurance policies (5.5%).
Potrivit ASF, la data de 30 iunie 2015, 298 brokeri au înregis- According to FSA, on June 30th 2015, 298 brokers reported an
trat un profit total de 73,04 milioane lei, în vreme ce un număr de aggregate profit of RON 73.04 million, while a total of 126 com-
126 societăți au raportat o pierdere totală de 7,85 milioane lei. panies generated a total loss of RON 7.85 million.
Totodată, veniturile obținute din activitatea de brokeraj au At the same time, the value of income resulting from insurance
totalizat 463,59 milioane lei, în creștere nominală cu 11,07% față brokerage activities was RON 463.59 million, or 11.07% more y-
de S1 2014 (417,4 milioane lei). Eșalonat, structura acestora a fost o-y (1H2014: RON 417.4 million). By categories, the income struc-
următoarea: 451,09 milioane lei - venituri din negocierea con- ture was as follows: RON 451.09 million - incomes from insurance
tractelor de re/asigurare, 1,08 milioane lei - venituri din efectu- and reinsurance contracts negotiation, RON 1.08 million - in-
area inspecțiilor de risc, 8 milioane lei - venituri din regularizări comes from risk inspections, RON 8 million - incomes from loss
de daune, 152.833 lei - venituri din comisariat de avarii, 3,26 mil- settlements, RON 152,833 - incomes from average agent, RON
ioane lei - venituri din alte activități în legătură cu obiectul de 3.26 million - incomes from other activities in connection with
activitate. the object of activity.
La 30 iunie a.c., 601 brokeri de asigurare și/sau reasigurare On the 30th of June 2015, 601 re/insurance brokerage compa-
dețineau autorizație de funcționare. Totodată, în perioada ianu- nies held valid operating licenses. All in all, in January-June 2015,
arie-iunie 2015, ASF a emis decizii de retragere a autorizației de FSA has issued decisions to withdraw the operating license for
funcționare pentru 31 brokeri, iar 90 de brokeri au activitatea 31 brokers, while 90 brokerage companies have the activity sus-
suspendată/interzisă temporar. pend or temporarily prohibited.

Portofoliul de asigurări consolidat Evoluţia brokerilor/asigurătorilor în termeni


Consolidated insurance portfolio cantitativi (mil. EUR)
Evolution of brokers/insurers in quantitative
terms (EUR m.)
Asigurări de viaţă 1.73% daune la proprietăţi 4.08%
Life insurance damages to propery
Asigurări generale 98.27% casco21.11%
General insurance motor hull 1,400 EUR m. Prime brute subscrie / Gross written premiums
Total asigurări de tip property 13.21% rca54.88%
Overall property insurance compulsory mtpl Prime intermediate / Mediated premiums
Total auto 76.00% răspunderi civile 3.00% 1,200
Motor
1,202

liability
incendii şi calamităţi naturale credite și garanții 2.07%
fire and allied perils 9.13% credits & warranties
1,000
1,085

1,041

991

alte clase 4.00%


961

972
954

other lines
890

800

600
EUR
564
492

564 400
451
385

m.
380

375
360

343

200

-
S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H S1/1H
2008 2009 2010 2011 2012 2013 2014 2015

32 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Total Piaţă
All Insurance Lines
Nr. Compania Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
S1 2015 S1 2014 în EUR în RON
mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company Mediated premiums Nominal change Real change Market share (%)
1H2015 1H2014 in EUR in RON
EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 SAFETY Broker 41.67 185.31 33.85 151.13 23.09 24.55 7.39 6.88
2 MARSH Broker 38.51 171.26 31.83 142.11 20.98 22.41 6.83 6.47
3 TRANSILVANIA Broker 29.76 132.36 18.10 80.83 64.38 66.33 5.28 3.68
4 DESTINE Broker 24.48 108.85 19.42 86.71 26.02 27.51 4.34 3.95
5 INTER Broker 23.17 103.06 12.36 55.19 87.46 89.68 4.11 2.51
6 DAW MANAGEMENT 20.31 90.31 9.39 41.94 116.16 118.72 3.60 1.91
7 CAMPION Broker 15.51 68.99 10.64 47.52 45.72 47.44 2.75 2.16
8 UNICREDIT Insurance Broker 15.41 68.53 15.31 68.37 0.63 1.82 2.73 3.11
9 PORSCHE Broker** 15.37 68.37 15.30 68.30 0.49 1.68 2.73 3.11
10 AON Romania 11.47 51.03 9.03 40.34 26.99 28.50 2.03 1.84
11 MILLENIUM Insurance Broker 10.51 46.74 9.03 40.31 16.38 17.76 1.86 1.84
12 GrECo JLT Romania 10.05 44.70 6.45 28.80 55.79 57.64 1.78 1.31
13 GRAS SAVOYE Romania 8.85 39.37 - - - - 1.57 -
14 PROFESSIONAL Broker 7.91 35.18 7.66 34.21 3.22 4.44 1.40 1.56
15 DOMAS Broker 7.20 32.01 6.70 29.89 7.49 8.76 1.28 1.36
16 MAXYGO Broker 7.18 31.94 6.31 28.18 13.79 15.14 1.27 1.28
17 STAR Broker 4.80 21.35 4.33 19.34 10.82 12.13 0.85 0.88
18 ASIGEST Broker 4.49 19.98 4.07 18.17 10.39 11.70 0.80 0.83
19 DEXASIG Broker 4.39 19.51 3.65 16.31 20.07 21.50 0.78 0.74
20 GLOBASIG 2002 Broker 4.01 17.82 2.83 12.64 41.45 43.12 0.71 0.58
21 ROM INSURANCE Broker 3.85 17.14 3.06 13.65 26.05 27.55 0.68 0.62
22 ACTIV Asigurari 3.28 14.61 2.84 12.66 15.86 17.23 0.58 0.58
23 PIRAEUS Insurance Broker 3.24 14.39 3.47 15.50 -6.78 -5.68 0.57 0.71
24 PRESTIGE Insurance Broker 3.09 13.76 2.48 11.05 25.02 26.51 0.55 0.50
25 ORIZONT Broker 2.59 11.50 2.14 9.55 20.86 22.29 0.46 0.44
26 LACOLI Broker 2.41 10.70 2.40 10.73 0.08 1.27 0.43 0.49
27 VERASIG Broker 2.39 10.65 2.09 9.31 14.78 16.14 0.42 0.42
28 KUNDEN Broker 2.35 10.45 2.06 9.20 13.97 15.32 0.42 0.42
29 ATLANTIC Broker Group 2.17 9.63 1.67 7.44 29.85 31.39 0.38 0.34
30 SUD ASIG Broker 2.07 9.21 2.09 9.33 -0.92 0.26 0.37 0.43
31 GLOBAL ASSISTANCE 1.99 8.85 1.61 7.18 23.69 25.16 0.35 0.33
32 EXA Broker 1.94 8.63 1.28 5.71 51.63 53.43 0.34 0.26
33 MB EUROPA Broker 1.86 8.26 1.58 7.06 17.54 18.93 0.33 0.32
34 LION Broker 1.84 8.19 1.56 6.99 17.74 19.13 0.33 0.32
35 RISK CONTROL 1.61 7.15 1.35 6.03 19.11 20.52 0.29 0.27
36 GT Broker 1.34 5.98 1.16 5.18 15.71 17.08 0.24 0.24
37 AGROPROTECTOR 2010 Asigurari 1.12 4.97 1.13 5.07 -1.59 -0.42 0.20 0.23
38 ARPEMIX-CONSULT 1.11 4.93 0.97 4.35 13.73 15.08 0.20 0.20
39 FAIRWAY Broker 1.02 4.56 0.73 3.24 41.18 42.86 0.18 0.15
40 LEADER TEAM 0.94 4.16 - - - - 0.17 -
Tabelul continuă pe pagina următoare / The table continues on the next page

Year XIII - no. 3/2015 (48) 33


S1 2015 ROMANIA

Total Piaţă
All Insurance Lines
Nr. Compania Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
S1 2015 S1 2014 în EUR în RON
mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company Mediated premiums Nominal change Real change Market share (%)
1H2015 1H2014 in EUR in RON
EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
41 DIREKTASIG FILADELFIA Broker 0.85 3.77 0.65 2.90 30.64 32.19 0.15 0.13
42 EURIAL Broker 0.83 3.71 1.41 6.29 -40.80 -40.10 0.15 0.29
43 SAFE INVEST Romania 0.71 3.17 0.71 3.18 0.01 1.19 0.13 0.14
44 INSIA Broker 0.63 2.81 0.13 0.60 370.77 376.35 0.11 0.03
45 ASIFORT Broker 0.62 2.76 0.63 2.81 -1.15 0.02 0.11 0.13
46 ASIG MANAGEMENT 0.59 2.64 0.62 2.75 -3.41 -2.26 0.11 0.13
47 SIRIUS Broker 0.53 2.37 0.43 1.92 23.98 25.45 0.09 0.09
48 CONFISIO Broker 0.43 1.93 0.43 1.92 0.79 1.98 0.08 0.09
49 UNIPET Broker 0.43 1.93 0.39 1.75 11.03 12.34 0.08 0.08
50 MEGA GROUP Broker 0.42 1.85 0.31 1.40 32.58 34.15 0.07 0.06
51 EPM Romania 0.41 1.80 0.49 2.19 -17.39 -16.41 0.07 0.10
52 EUROGROUP 0.40 1.78 0.50 2.24 -20.27 -19.33 0.07 0.10
53 HOBBIT Broker 0.40 1.78 - - - - 0.07 -
54 SIS Broker 0.40 1.76 0.41 1.83 -3.29 -2.15 0.07 0.08
55 EXPRESS Broker 0.30 1.35 - - - - 0.05 -
56 CONDOR Broker 0.26 1.17 0.28 1.26 -7.05 -5.95 0.05 0.06
57 MAROSI Broker 0.21 0.91 0.02 0.10 815.87 826.73 0.04 0.00
58 FABRICA DE ASIGURARI 0.16 0.71 0.44 1.96 -63.33 -62.90 0.03 0.09
59 MAKLER-SIG 0.12 0.56 0.12 0.53 6.02 7.28 0.02 0.02
60 TOTAL ASIG 0.12 0.54 0.08 0.35 52.66 54.47 0.02 0.02
61 APRIL Broker 0.10 0.44 0.05 0.21 109.57 112.05 0.02 0.01
RESTUL/OTHERS 207.82 924.25 221.75 990.00 -6.28 -5.17 36.85 45.09
TOTAL* 564.00 2,508.35 491.81 2,195.70 14.68 16.04 100.00 100.00

* Totalul este conform ASF / The total is according to FSA


** Pentru PORSCHE Broker, rezultatele prezentate sunt conform ASF / In case of PORSCHE Broker, the presented figures are according to FSA

Structura primelor brute subscrise/intermediate


Structure of gross written/mediated premiums
PONDEREA PRIMELOR INTERMEDIATE IN
PRIME BRUTE SUBSCRISE PRIME BRUTE INTERMEDIATE
CLASA DE ASIGURARE TOTAL SUBSCRIERI
mil. EUR % % % mil. EUR
SHARE OF MEDIATED PREMIUMS IN
GROSS WRITTEN PREMIUMS MEDIATED PREMIUMS
CLASS OF INSURANCE WRITTEN PREMIUMS
EUR m. % % % EUR m.
TOTAL 971.51 100.00 58.05 100.00 564.00
ASIGURĂRI DE VIAŢĂ LIFE INSURANCE 178.20 18.34 5.47 1.73 9.74
ASIGURĂRI GENERALE NON-LIFE INSURANCE 793.31 81.66 69.87 98.27 554.27
ASIGURĂRI PROPERTY PROPERTY INSURANCE 128.92 13.27 57.80 13.21 74.51
ASIGURĂRI AUTO MOTOR INSURANCE 560.93 57.74 76.41 76.00 428.62
CASCO MOTOR HULL 185.50 19.09 64.19 21.11 119.08
RCA MTPL 375.43 38.64 82.45 54.88 309.55
Răspundere civilă generală GTPL insurance 32.60 3.36 51.84 3.00 16.90
Alte clase de asigurări generale Other non-life insurance 70.86 7.29 48.31 6.07 34.23

34 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Asigurări de viaţă | Life insurance | TOP 50


Nr. Compania Pondere în total Prime intermediate Evoluţie Evoluţie reală Cota de piaţă (%)
prime intermediate nominală în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal Real change Market share (%)
portfolio 1H2015 1H2014 change in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 KUNDEN Broker 88.06 94.52 2.07 9.20 1.95 8.70 6.18 7.43 21.24 18.77
2 MARSH Broker 3.17 3.03 1.22 5.42 0.96 4.31 26.34 27.83 12.52 9.30
3 PIRAEUS Insurance Broker 14.94 13.09 0.48 2.15 0.45 2.03 6.42 7.69 4.96 4.38
4 GRAS SAVOYE Romania 4.32 - 0.38 1.70 - - - - 3.92 -
5 DESTINE Broker 1.50 1.85 0.37 1.64 0.36 1.61 2.19 3.40 3.78 3.47
6 AON Romania 2.73 4.61 0.31 1.39 0.42 1.86 -24.79 -23.90 3.22 4.01
7 EPM Romania 69.29 78.88 0.28 1.25 0.39 1.73 -27.44 -26.58 2.88 3.73
8 SAFE INVEST Romania 35.43 60.98 0.25 1.12 0.43 1.94 -41.90 -41.21 2.59 4.18
9 CAMPION Broker 0.72 0.51 0.11 0.50 0.05 0.24 107.03 109.48 1.14 0.52
10 SAFETY Broker 0.21 0.37 0.09 0.38 0.12 0.55 -30.80 -29.98 0.88 1.19
11 MILLENIUM Insurance Broker 0.76 0.91 0.08 0.35 0.08 0.37 -3.48 -2.33 0.82 0.79
12 MAXYGO Broker 0.83 1.22 0.06 0.27 0.08 0.34 -22.39 -21.47 0.61 0.74
13 TRANSILVANIA Broker 0.19 0.22 0.06 0.26 0.04 0.18 44.13 45.84 0.59 0.38
14 INTER Broker 0.25 0.19 0.06 0.25 0.02 0.11 137.23 140.04 0.58 0.23
15 UNICREDIT Insurance Broker 0.34 0.26 0.05 0.23 0.04 0.18 33.82 35.40 0.54 0.38
16 SIRIUS Broker 9.83 11.56 0.05 0.23 0.05 0.22 5.38 6.63 0.54 0.48
17 GrECo JLT Romania 0.39 1.64 0.04 0.18 0.11 0.47 -62.84 -62.40 0.40 1.02
18 EXA Broker 1.88 0.46 0.04 0.16 0.01 0.03 519.47 526.81 0.37 0.06
19 ASIG MANAGEMENT 3.28 1.20 0.02 0.09 0.01 0.03 163.58 166.71 0.20 0.07
20 ROM INSURANCE Broker 0.48 0.54 0.02 0.08 0.02 0.07 11.10 12.42 0.19 0.16
21 ASIGEST Broker 0.35 0.12 0.02 0.07 0.00 0.02 231.71 235.64 0.16 0.05
22 SUD ASIG Broker 0.52 0.52 0.01 0.05 0.01 0.05 -1.98 -0.82 0.11 0.10
23 GLOBASIG 2002 Broker 0.24 0.43 0.01 0.04 0.01 0.05 -22.07 -21.15 0.10 0.12
24 ARPEMIX-CONSULT 0.82 1.05 0.01 0.04 0.01 0.05 -10.96 -9.90 0.09 0.10
25 DAW MANAGEMENT 0.04 0.06 0.01 0.03 0.01 0.02 40.18 41.84 0.08 0.05
26 PROFESSIONAL Broker 0.08 0.06 0.01 0.03 0.00 0.02 36.77 38.40 0.07 0.05
27 ACTIV Asigurari 0.19 0.12 0.01 0.03 0.00 0.01 90.61 92.86 0.06 0.03
28 GLOBAL ASSISTANCE 0.29 0.51 0.01 0.03 0.01 0.04 -29.57 -28.74 0.06 0.08
29 MB EUROPA Broker 0.25 - 0.00 0.02 - - - - 0.05 -
30 ATLANTIC Broker Group 0.19 0.20 0.00 0.02 0.00 0.01 28.76 30.29 0.04 0.03
31 DEXASIG Broker 0.09 0.11 0.00 0.02 0.00 0.02 -3.90 -2.76 0.04 0.04
32 RISK CONTROL 0.22 0.10 0.00 0.02 0.00 0.01 155.27 158.29 0.04 0.01
33 PORSCHE Broker** 0.02 0.01 0.00 0.01 0.00 0.00 191.77 195.23 0.02 0.01
34 LION Broker 0.13 - 0.00 0.01 - - - - 0.02 -
35 CONFISIO Broker 0.54 - 0.00 0.01 - - - - 0.02 -
36 ASIFORT Broker 0.37 0.48 0.00 0.01 0.00 0.01 -23.93 -23.03 0.02 0.03
37 HOBBIT Broker 0.47 - 0.00 0.01 - - - - 0.02 -
38 INSIA Broker 0.28 0.02 0.00 0.01 0.00 0.00 5,855.90 5,926.49 0.02 0.00
39 EUROGROUP 0.44 0.80 0.00 0.01 0.00 0.02 -56.31 -55.79 0.02 0.04
40 EXPRESS Broker 0.53 - 0.00 0.01 - - - - 0.02 -
41 ORIZONT Broker 0.06 0.10 0.00 0.01 0.00 0.01 -28.72 -27.87 0.02 0.02
42 LACOLI Broker 0.06 0.03 0.00 0.01 0.00 0.00 123.41 126.06 0.01 0.01
43 VERASIG Broker 0.05 0.08 0.00 0.01 0.00 0.01 -18.92 -17.96 0.01 0.02
44 DIREKTASIG FILADELFIA Broker 0.13 0.17 0.00 0.00 0.00 0.00 -1.12 0.05 0.01 0.01
45 TOTAL ASIG 0.87 30.76 0.00 0.00 0.02 0.11 -95.69 -95.64 0.01 0.23
46 CONDOR Broker 0.36 0.31 0.00 0.00 0.00 0.00 8.44 9.73 0.01 0.01
47 GT Broker 0.05 0.12 0.00 0.00 0.00 0.01 -50.94 -50.36 0.01 0.01
48 UNIPET Broker 0.13 0.12 0.00 0.00 0.00 0.00 29.92 31.46 0.01 0.00
49 MAKLER-SIG 0.33 0.27 0.00 0.00 0.00 0.00 26.99 28.49 0.00 0.00
50 EURIAL Broker 0.03 0.02 0.00 0.00 0.00 0.00 15.72 17.09 0.00 0.00
TOTAL* 1.73 2.11 9.74 43.32 10.38 46.35 -6.19 -5.07 100.00 100.00
* estimări | estimates
** Pentru PORSCHE Broker, rezultatele prezentate sunt conform ASF / In case of PORSCHE Broker, the presented figures are according to FSA

Year XIII - no. 3/2015 (48) 35


S1 2015 ROMANIA

Asigurări generale | Non-life insurance | TOP 50

Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
prime intermediate S1 2015 S1 2014 în EUR în RON
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal Real change Market share (%)
portfolio 1H2015 1H2014 change in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 SAFETY Broker 99.79 99.63 41.58 184.93 33.73 150.57 23.29 24.75 7.50 7.01
2 MARSH Broker 96.83 96.97 37.29 165.84 30.87 137.80 20.81 22.24 6.73 6.41
3 TRANSILVANIA Broker 99.81 99.78 29.70 132.10 18.06 80.65 64.43 66.38 5.36 3.75
4 DESTINE Broker 98.50 98.15 24.11 107.22 19.06 85.10 26.47 27.96 4.35 3.96
5 INTER Broker 99.75 99.81 23.12 102.81 12.34 55.08 87.36 89.58 4.17 2.56
6 DAW MANAGEMENT 99.96 99.94 20.30 90.28 9.39 41.92 116.21 118.77 3.66 1.95
7 CAMPION Broker 99.28 99.49 15.40 68.49 10.59 47.28 45.41 47.13 2.78 2.20
8 PORSCHE Broker** 99.98 99.99 15.37 68.36 15.30 68.29 0.48 1.67 2.77 3.18
9 UNICREDIT Insurance Broker 99.66 99.74 15.36 68.30 15.27 68.19 0.54 1.73 2.77 3.17
10 AON Romania 97.27 95.39 11.16 49.63 8.62 38.48 29.49 31.03 2.01 1.79
11 MILLENIUM Insurance Broker 99.24 99.09 10.43 46.38 8.95 39.95 16.56 17.94 1.88 1.86
12 GrECo JLT Romania 99.61 98.36 10.01 44.52 6.35 28.33 57.78 59.65 1.81 1.32
13 GRAS SAVOYE Romania 95.68 - 8.47 37.67 - - - - 1.53 -
14 PROFESSIONAL Broker 99.92 99.94 7.90 35.15 7.66 34.19 3.20 4.42 1.43 1.59
15 DOMAS Broker 100.00 100.00 7.20 32.01 6.70 29.89 7.48 8.76 1.30 1.39
16 MAXYGO Broker 99.17 98.78 7.12 31.68 6.24 27.84 14.23 15.59 1.29 1.30
17 STAR Broker 100.00 100.00 4.80 21.35 4.33 19.34 10.82 12.13 0.87 0.90
18 ASIGEST Broker 99.65 99.88 4.48 19.91 4.07 18.15 10.13 11.44 0.81 0.84
19 DEXASIG Broker 99.91 99.89 4.38 19.49 3.65 16.29 20.10 21.52 0.79 0.76
20 GLOBASIG 2002 Broker 99.76 99.57 4.00 17.77 2.82 12.59 41.72 43.40 0.72 0.59
21 ROM INSURANCE Broker 99.52 99.46 3.84 17.06 3.04 13.58 26.13 27.63 0.69 0.63
22 ACTIV Asigurari 99.81 99.88 3.28 14.58 2.83 12.64 15.77 17.14 0.59 0.59
23 PRESTIGE Insurance Broker 100.00 100.00 3.09 13.76 2.48 11.05 25.02 26.51 0.56 0.51
24 PIRAEUS Insurance Broker 85.06 86.91 2.75 12.24 3.02 13.47 -8.77 -7.69 0.50 0.63
25 ORIZONT Broker 99.94 99.90 2.58 11.50 2.14 9.54 20.91 22.34 0.47 0.44
26 LACOLI Broker 99.94 99.97 2.40 10.69 2.40 10.73 0.05 1.23 0.43 0.50
27 VERASIG Broker 99.95 99.92 2.39 10.64 2.08 9.30 14.81 16.17 0.43 0.43
28 ATLANTIC Broker Group 99.81 99.80 2.16 9.61 1.66 7.43 29.85 31.39 0.39 0.35
29 SUD ASIG Broker 99.48 99.48 2.06 9.16 2.08 9.28 -0.91 0.26 0.37 0.43
30 GLOBAL ASSISTANCE 99.71 99.49 1.98 8.82 1.60 7.14 23.97 25.44 0.36 0.33
31 EXA Broker 98.12 99.54 1.90 8.47 1.27 5.69 49.47 51.24 0.34 0.26
32 MB EUROPA Broker 99.75 100.00 1.85 8.24 1.58 7.06 17.25 18.64 0.33 0.33
33 LION Broker 99.87 100.00 1.84 8.18 1.56 6.99 17.58 18.98 0.33 0.32
34 RISK CONTROL 99.78 99.90 1.60 7.13 1.35 6.02 18.96 20.37 0.29 0.28
35 GT Broker 99.95 99.88 1.34 5.97 1.16 5.18 15.79 17.16 0.24 0.24
36 AGROPROTECTOR 2010 Asigurari 100.00 99.98 1.12 4.97 1.13 5.07 -1.57 -0.41 0.20 0.24
37 ARPEMIX-CONSULT 99.18 98.95 1.10 4.89 0.96 4.30 13.99 15.35 0.20 0.20
38 FAIRWAY Broker 100.00 100.00 1.02 4.56 0.73 3.24 41.18 42.86 0.18 0.15
39 LEADER TEAM 100.00 - 0.94 4.16 - - - - 0.17 -
40 DIREKTASIG FILADELFIA Broker 99.87 99.83 0.85 3.77 0.65 2.89 30.69 32.24 0.15 0.13
41 EURIAL Broker 99.97 99.98 0.83 3.71 1.41 6.29 -40.81 -40.11 0.15 0.29
42 INSIA Broker 99.72 99.98 0.63 2.80 0.13 0.60 369.56 375.12 0.11 0.03
43 ASIFORT Broker 99.63 99.52 0.62 2.75 0.63 2.79 -1.04 0.13 0.11 0.13
44 ASIG MANAGEMENT 96.72 98.80 0.57 2.56 0.61 2.71 -5.44 -4.32 0.10 0.13
45 SIRIUS Broker 90.17 88.44 0.48 2.13 0.38 1.69 26.41 27.91 0.09 0.08
46 SAFE INVEST Romania 64.57 39.02 0.46 2.05 0.28 1.24 65.51 67.47 0.08 0.06
47 UNIPET Broker 99.87 99.88 0.43 1.93 0.39 1.74 11.00 12.32 0.08 0.08
48 CONFISIO Broker 99.46 100.00 0.43 1.92 0.43 1.92 0.25 1.43 0.08 0.09
49 MEGA GROUP Broker 100.00 100.00 0.42 1.85 0.31 1.40 32.58 34.15 0.08 0.07
50 EUROGROUP 99.56 99.20 0.40 1.77 0.50 2.23 -19.98 -19.03 0.07 0.10
TOTAL* 98.27 97.89 554.27 2,465.05 481.43 2,149.36 15.13 16.49 100.00 100.00

* estimări | estimates
** Pentru PORSCHE Broker, rezultatele prezentate sunt conform ASF / In case of PORSCHE Broker, the presented figures are according to FSA

36 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Total asigurări auto | Overall motor insurance | TOP 50

Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală
Cota de piaţă (%)
prime intermediate S1 2015 S1 2014 în EUR în RON
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal change Real change
Market share (%)
portfolio 1H2015 1H2014 in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 SAFETY Broker 87.59 87.80 36.50 162.31 29.72 132.69 22.80 24.25 8.51 7.91
2 TRANSILVANIA Broker 89.64 90.02 26.68 118.65 16.30 72.76 63.69 65.63 6.22 4.34
3 INTER Broker 92.83 90.23 21.51 95.67 11.15 49.80 92.85 95.13 5.02 2.97
4 DESTINE Broker 86.94 86.01 21.28 94.64 16.71 74.58 27.38 28.89 4.96 4.45
5 DAW MANAGEMENT 95.62 94.90 19.42 86.36 8.92 39.80 117.79 120.37 4.53 2.37
6 PORSCHE Broker* 98.60 99.73 15.16 67.41 15.26 68.11 -0.65 0.53 3.54 4.06
7 MARSH Broker 34.74 40.11 13.38 59.49 12.77 57.00 4.77 6.01 3.12 3.40
8 UNICREDIT Insurance Broker 86.21 86.57 13.28 59.08 13.26 59.18 0.21 1.40 3.10 3.53
9 CAMPION Broker 84.84 84.16 13.16 58.53 8.96 39.99 46.91 48.65 3.07 2.39
10 MILLENIUM Insurance Broker 80.27 80.22 8.44 37.52 7.24 32.34 16.44 17.83 1.97 1.93
11 GrECo JLT Romania 79.53 68.55 7.99 35.55 4.42 19.74 80.73 82.88 1.86 1.18
12 PROFESSIONAL Broker 88.36 90.22 6.99 31.08 6.91 30.87 1.09 2.29 1.63 1.84
13 DOMAS Broker 93.29 95.50 6.71 29.86 6.39 28.55 5.01 6.25 1.57 1.70
14 MAXYGO Broker 86.69 86.15 6.23 27.69 5.44 24.28 14.50 15.85 1.45 1.45
15 STAR Broker 88.95 88.09 4.27 18.99 3.82 17.04 11.90 13.23 1.00 1.02
16 DEXASIG Broker 83.20 84.46 3.65 16.23 3.09 13.78 18.29 19.69 0.85 0.82
17 GLOBASIG 2002 Broker 83.34 80.57 3.34 14.85 2.28 10.19 46.32 48.06 0.78 0.61
18 ROM INSURANCE Broker 85.24 85.40 3.29 14.61 2.61 11.66 25.81 27.30 0.77 0.70
19 ACTIV Asigurari 95.10 90.85 3.12 13.89 2.58 11.50 21.28 22.71 0.73 0.69
20 AON Romania 26.51 30.13 3.04 13.53 2.72 12.15 11.74 13.06 0.71 0.72
21 GRAS SAVOYE Romania 30.99 - 2.74 12.20 - - - - 0.64 -
22 ASIGEST Broker 57.10 49.10 2.57 11.41 2.00 8.92 28.37 29.89 0.60 0.53
23 PRESTIGE Insurance Broker 77.43 75.54 2.40 10.66 1.87 8.35 28.16 29.68 0.56 0.50
24 ORIZONT Broker 89.88 88.91 2.32 10.34 1.90 8.49 22.18 23.62 0.54 0.51
25 LACOLI Broker 90.99 92.96 2.19 9.73 2.23 9.97 -2.03 -0.87 0.51 0.59
26 SUD ASIG Broker 92.35 92.29 1.91 8.51 1.93 8.61 -0.85 0.33 0.45 0.51
27 ATLANTIC Broker Group 78.91 66.91 1.71 7.60 1.12 4.98 53.12 54.94 0.40 0.30
28 EXA Broker 85.73 87.12 1.66 7.40 1.11 4.98 49.21 50.98 0.39 0.30
29 GLOBAL ASSISTANCE 81.69 81.31 1.62 7.23 1.31 5.84 24.28 25.75 0.38 0.35
30 MB EUROPA Broker 85.32 82.88 1.59 7.05 1.31 5.85 20.99 22.43 0.37 0.35
31 GT Broker 93.78 93.63 1.26 5.60 1.09 4.85 15.90 17.28 0.29 0.29
32 PIRAEUS Insurance Broker 33.64 50.56 1.09 4.84 1.76 7.84 -37.99 -37.25 0.25 0.47
33 LION Broker 58.43 59.92 1.08 4.79 0.94 4.19 14.81 16.17 0.25 0.25
34 ARPEMIX-CONSULT 84.35 83.52 0.93 4.16 0.81 3.63 14.85 16.21 0.22 0.22
35 DIREKTASIG FILADELFIA Broker 94.11 92.97 0.80 3.55 0.60 2.69 32.25 33.82 0.19 0.16
36 LEADER TEAM 82.03 - 0.77 3.42 - - - - 0.18 -
37 RISK CONTROL 47.09 62.00 0.76 3.37 0.84 3.74 -9.54 -8.47 0.18 0.22
38 EURIAL Broker 90.32 97.19 0.75 3.35 1.37 6.11 -44.99 -44.33 0.18 0.36
39 VERASIG Broker 30.49 29.63 0.73 3.25 0.62 2.76 18.10 19.50 0.17 0.16
40 ASIFORT Broker 80.91 80.78 0.50 2.24 0.51 2.27 -0.99 0.19 0.12 0.14
41 SAFE INVEST Romania 56.07 31.06 0.40 1.78 0.22 0.99 80.56 82.70 0.09 0.06
42 UNIPET Broker 80.22 80.01 0.35 1.55 0.31 1.40 11.32 12.64 0.08 0.08
43 INSIA Broker 51.44 72.86 0.33 1.45 0.10 0.44 232.39 236.33 0.08 0.03
44 SIS Broker 70.44 70.16 0.28 1.24 0.29 1.28 -2.91 -1.76 0.06 0.08
45 EXPRESS Broker 87.76 - 0.27 1.18 - - - - 0.06 -
46 MEGA GROUP Broker 52.62 51.78 0.22 0.97 0.16 0.73 34.73 36.33 0.05 0.04
47 HOBBIT Broker 54.70 - 0.22 0.97 - - - - 0.05 -
48 ASIG MANAGEMENT 36.17 32.06 0.21 0.96 0.20 0.88 8.96 10.25 0.05 0.05
49 CONFISIO Broker 44.98 22.90 0.20 0.87 0.10 0.44 97.94 100.29 0.05 0.03
50 CONDOR Broker 72.70 74.40 0.19 0.85 0.21 0.94 -9.17 -8.10 0.04 0.06
TOTAL* 76.00 76.36 428.62 1,906.26 375.54 1,676.61 14.13 15.49 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

Year XIII - no. 3/2015 (48) 37


S1 2015 ROMANIA

Asigurări auto CASCO | Motor hull insurance | TOP 50

Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
prime intermediate în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal Real change Market share (%)
portfolio 1H2015 1H2014 change in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 PORSCHE Broker* 80.90 81.95 12.44 55.31 12.54 55.97 -0.79 0.38 10.44 10.13
2 UNICREDIT Insurance Broker 67.85 67.70 10.45 46.50 10.37 46.29 0.84 2.03 8.78 8.38
3 MARSH Broker 22.32 26.04 8.59 38.22 8.29 37.00 3.69 4.92 7.22 6.70
4 GrECo JLT Romania 66.93 56.93 6.73 29.92 3.67 16.40 83.17 85.35 5.65 2.97
5 SAFETY Broker 16.14 21.28 6.72 29.90 7.20 32.16 -6.67 -5.56 5.65 5.82
6 TRANSILVANIA Broker 11.17 13.53 3.32 14.79 2.45 10.93 35.74 37.34 2.79 1.98
7 MILLENIUM Insurance Broker 24.50 28.06 2.58 11.45 2.53 11.31 1.64 2.84 2.16 2.05
8 AON Romania 20.87 19.58 2.39 10.65 1.77 7.90 35.36 36.96 2.01 1.43
9 DESTINE Broker 8.51 9.39 2.08 9.26 1.82 8.14 14.22 15.57 1.75 1.47
10 CAMPION Broker 11.77 12.64 1.83 8.12 1.35 6.01 35.69 37.30 1.53 1.09
11 ACTIV Asigurari 50.50 56.44 1.66 7.38 1.60 7.14 3.66 4.89 1.39 1.29
12 INTER Broker 6.83 7.83 1.58 7.04 0.97 4.32 63.54 65.48 1.33 0.78
13 ASIGEST Broker 21.86 21.34 0.98 4.37 0.87 3.88 13.04 14.38 0.82 0.70
14 MAXYGO Broker 13.57 13.08 0.97 4.33 0.83 3.69 18.04 19.44 0.82 0.67
15 GRAS SAVOYE Romania 10.42 - 0.92 4.10 - - - - 0.77 -
16 DEXASIG Broker 19.44 21.27 0.85 3.79 0.78 3.47 9.78 11.08 0.72 0.63
17 PIRAEUS Insurance Broker 25.17 28.35 0.81 3.62 0.98 4.39 -17.25 -16.27 0.68 0.80
18 PROFESSIONAL Broker 9.48 8.59 0.75 3.34 0.66 2.94 13.95 15.30 0.63 0.53
19 GLOBASIG 2002 Broker 16.28 21.49 0.65 2.90 0.61 2.72 7.16 8.44 0.55 0.49
20 ROM INSURANCE Broker 15.23 17.66 0.59 2.61 0.54 2.41 8.73 10.02 0.49 0.44
21 DAW MANAGEMENT 2.76 4.06 0.56 2.49 0.38 1.70 46.80 48.54 0.47 0.31
22 EURIAL Broker 66.69 80.79 0.56 2.47 1.14 5.08 -51.13 -50.55 0.47 0.92
23 DOMAS Broker 7.26 10.89 0.52 2.32 0.73 3.25 -28.36 -27.51 0.44 0.59
24 PRESTIGE Insurance Broker 16.87 21.83 0.52 2.32 0.54 2.41 -3.38 -2.23 0.44 0.44
25 LEADER TEAM 48.66 - 0.46 2.03 - - - - 0.38 -
26 STAR Broker 9.40 11.94 0.45 2.01 0.52 2.31 -12.75 -11.71 0.38 0.42
27 VERASIG Broker 17.98 17.82 0.43 1.91 0.37 1.66 15.80 17.17 0.36 0.30
28 ATLANTIC Broker Group 19.73 26.50 0.43 1.90 0.44 1.97 -3.35 -2.20 0.36 0.36
29 GLOBAL ASSISTANCE 20.06 22.39 0.40 1.77 0.36 1.61 10.80 12.11 0.34 0.29
30 RISK CONTROL 24.59 33.29 0.40 1.76 0.45 2.01 -12.04 -11.00 0.33 0.36
31 LACOLI Broker 13.89 14.25 0.33 1.49 0.34 1.53 -2.41 -1.26 0.28 0.28
32 LION Broker 15.05 19.43 0.28 1.23 0.30 1.36 -8.81 -7.73 0.23 0.25
33 ORIZONT Broker 9.19 11.48 0.24 1.06 0.25 1.10 -3.23 -2.09 0.20 0.20
34 EXA Broker 11.22 14.97 0.22 0.97 0.19 0.86 13.61 14.96 0.18 0.15
35 INSIA Broker 32.05 48.25 0.20 0.90 0.06 0.29 212.77 216.48 0.17 0.05
36 ASIFORT Broker 29.82 31.39 0.19 0.82 0.20 0.88 -6.10 -4.98 0.16 0.16
37 DIREKTASIG FILADELFIA Broker 21.84 24.50 0.19 0.82 0.16 0.71 16.45 17.83 0.16 0.13
38 ARPEMIX-CONSULT 16.02 19.14 0.18 0.79 0.19 0.83 -4.77 -3.64 0.15 0.15
39 SUD ASIG Broker 8.20 7.68 0.17 0.76 0.16 0.72 5.70 6.96 0.14 0.13
40 MB EUROPA Broker 8.89 11.56 0.17 0.73 0.18 0.82 -9.62 -8.55 0.14 0.15
41 ASIG MANAGEMENT 27.70 26.20 0.16 0.73 0.16 0.72 2.16 3.37 0.14 0.13
42 UNIPET Broker 35.72 32.64 0.16 0.69 0.13 0.57 21.51 22.95 0.13 0.10
43 HOBBIT Broker 36.06 - 0.14 0.64 - - - - 0.12 -
44 SIS Broker 36.28 40.51 0.14 0.64 0.17 0.74 -13.38 -12.35 0.12 0.13
45 EXPRESS Broker 37.59 - 0.11 0.51 - - - - 0.10 -
46 GT Broker 8.24 10.34 0.11 0.49 0.12 0.54 -7.80 -6.71 0.09 0.10
47 EUROGROUP 24.12 27.26 0.10 0.43 0.14 0.61 -29.45 -28.62 0.08 0.11
48 CONFISIO Broker 16.02 10.65 0.07 0.31 0.05 0.21 51.55 53.35 0.06 0.04
49 CONDOR Broker 22.15 29.49 0.06 0.26 0.08 0.37 -30.18 -29.35 0.05 0.07
50 MEGA GROUP Broker 13.89 14.51 0.06 0.26 0.05 0.20 26.92 28.42 0.05 0.04
TOTAL* 21.11 25.16 119.08 529.58 123.72 552.37 -3.76 -2.62 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

38 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Asigurări auto RCA | Motor TPL insurance | TOP 50

Nr. Compania Pondere în total Prime intermediate Evoluţie Evoluţie reală Cota de piaţă (%)
prime intermediate nominală în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal Real change Market share (%)
portfolio 1H2015 1H2014 change in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 SAFETY Broker 71.45 66.52 29.77 132.41 22.52 100.52 32.23 33.79 9.62 8.94
2 TRANSILVANIA Broker 78.47 76.49 23.35 103.86 13.85 61.83 68.63 70.63 7.54 5.50
3 INTER Broker 86.00 82.41 19.93 88.63 10.19 45.48 95.63 97.95 6.44 4.05
4 DESTINE Broker 78.43 76.62 19.20 85.37 14.88 66.44 29.00 30.53 6.20 5.91
5 DAW MANAGEMENT 92.86 90.84 18.86 83.86 8.53 38.10 120.96 123.58 6.09 3.39
6 CAMPION Broker 73.07 71.52 11.33 50.41 7.61 33.99 48.89 50.65 3.66 3.02
7 PROFESSIONAL Broker 78.87 81.63 6.24 27.75 6.26 27.93 -0.27 0.92 2.02 2.48
8 DOMAS Broker 86.04 84.61 6.19 27.54 5.67 25.29 9.30 10.59 2.00 2.25
9 MILLENIUM Insurance Broker 55.77 52.17 5.86 26.06 4.71 21.03 24.41 25.89 1.89 1.87
10 MAXYGO Broker 73.12 73.08 5.25 23.36 4.61 20.59 13.86 15.21 1.70 1.83
11 MARSH Broker 12.42 14.07 4.78 21.27 4.48 20.00 6.76 8.02 1.55 1.78
12 STAR Broker 79.55 76.16 3.82 16.99 3.30 14.73 15.76 17.14 1.23 1.31
13 UNICREDIT Insurance Broker 18.37 18.87 2.83 12.59 2.89 12.90 -2.04 -0.88 0.91 1.15
14 DEXASIG Broker 63.76 63.19 2.80 12.44 2.31 10.31 21.15 22.59 0.90 0.92
15 PORSCHE Broker* 17.70 17.78 2.72 12.10 2.72 12.14 0.03 1.22 0.88 1.08
16 ROM INSURANCE Broker 70.01 67.74 2.70 12.00 2.07 9.25 30.27 31.81 0.87 0.82
17 GLOBASIG 2002 Broker 67.06 59.08 2.69 11.95 1.67 7.47 60.57 62.47 0.87 0.66
18 ORIZONT Broker 80.69 77.43 2.09 9.28 1.66 7.40 25.94 27.44 0.67 0.66
19 PRESTIGE Insurance Broker 60.56 53.70 1.87 8.33 1.33 5.93 40.98 42.65 0.61 0.53
20 LACOLI Broker 77.10 78.71 1.85 8.25 1.89 8.45 -1.96 -0.80 0.60 0.75
21 GRAS SAVOYE Romania 20.58 - 1.82 8.10 - - - - 0.59 -
22 SUD ASIG Broker 84.15 84.60 1.74 7.75 1.77 7.89 -1.44 -0.27 0.56 0.70
23 ASIGEST Broker 35.24 27.76 1.58 7.04 1.13 5.04 40.15 41.81 0.51 0.45
24 ACTIV Asigurari 44.60 34.41 1.46 6.52 0.98 4.36 50.17 51.95 0.47 0.39
25 EXA Broker 74.51 72.15 1.45 6.43 0.92 4.12 56.60 58.46 0.47 0.37
26 MB EUROPA Broker 76.43 71.33 1.42 6.32 1.13 5.03 25.95 27.45 0.46 0.45
27 ATLANTIC Broker Group 59.18 40.41 1.28 5.70 0.67 3.01 90.15 92.41 0.41 0.27
28 GrECo JLT Romania 12.60 11.63 1.27 5.63 0.75 3.35 68.78 70.78 0.41 0.30
29 GLOBAL ASSISTANCE 61.64 58.92 1.23 5.45 0.95 4.23 29.40 30.93 0.40 0.38
30 GT Broker 85.54 83.29 1.15 5.11 0.97 4.32 18.84 20.25 0.37 0.38
31 LION Broker 43.38 40.48 0.80 3.55 0.63 2.83 26.15 27.64 0.26 0.25
32 ARPEMIX-CONSULT 68.32 64.39 0.76 3.37 0.63 2.80 20.68 22.11 0.24 0.25
33 AON Romania 5.64 10.55 0.65 2.88 0.95 4.26 -32.11 -31.30 0.21 0.38
34 DIREKTASIG FILADELFIA Broker 72.28 68.47 0.61 2.73 0.44 1.98 37.90 39.54 0.20 0.18
35 SAFE INVEST Romania 51.79 29.07 0.37 1.64 0.21 0.92 78.17 80.28 0.12 0.08
36 RISK CONTROL 22.50 28.71 0.36 1.61 0.39 1.73 -6.63 -5.53 0.12 0.15
37 ASIFORT Broker 51.09 49.38 0.32 1.41 0.31 1.39 2.26 3.47 0.10 0.12
38 LEADER TEAM 33.37 - 0.31 1.39 - - - - 0.10 -
39 VERASIG Broker 12.51 11.81 0.30 1.33 0.25 1.10 21.57 23.01 0.10 0.10
40 PIRAEUS Insurance Broker 8.47 22.21 0.27 1.22 0.77 3.44 -64.45 -64.03 0.09 0.31
41 EURIAL Broker 23.63 16.40 0.20 0.88 0.23 1.03 -14.72 -13.71 0.06 0.09
42 UNIPET Broker 44.51 47.38 0.19 0.86 0.19 0.83 4.30 5.53 0.06 0.07
43 MAROSI Broker 84.67 71.80 0.17 0.77 0.02 0.07 979.98 992.79 0.06 0.01
44 MEGA GROUP Broker 38.73 37.27 0.16 0.72 0.12 0.52 37.78 39.41 0.05 0.05
45 EXPRESS Broker 50.17 - 0.15 0.68 - - - - 0.05 -
46 KUNDEN Broker 5.79 0.35 0.14 0.60 0.01 0.03 1,798 1,820 0.04 0.00
47 SIS Broker 34.16 29.66 0.14 0.60 0.12 0.54 11.38 12.70 0.04 0.05
48 CONDOR Broker 50.55 44.91 0.13 0.59 0.13 0.57 4.62 5.86 0.04 0.05
49 CONFISIO Broker 28.96 12.25 0.13 0.56 0.05 0.24 138.29 141.11 0.04 0.02
50 INSIA Broker 19.39 24.62 0.12 0.55 0.03 0.15 270.83 275.23 0.04 0.01
TOTAL* 54.88 51.20 309.55 1,376.68 251.82 1,124.24 22.93 24.38 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

Year XIII - no. 3/2015 (48) 39


S1 2015 ROMANIA

Total asigurări de tip property | Overall property insurance | TOP 50


Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
prime intermediate S1 2015 S1 2014 în EUR în RON
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own Mediated premiums Nominal change Real change Market share (%)
insurance portfolio 1H2015 1H2014 in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 MARSH Broker 43.25 38.00 16.66 74.08 12.10 54.00 37.71 39.34 22.35 17.49
2 AON Romania 30.12 48.05 3.46 15.37 4.34 19.38 -20.41 -19.46 4.64 6.28
3 GRAS SAVOYE Romania 34.80 - 3.08 13.70 - - - - 4.13 -
4 SAFETY Broker 6.52 6.11 2.72 12.09 2.07 9.23 31.42 32.98 3.65 2.99
5 DESTINE Broker 7.21 7.93 1.76 7.85 1.54 6.88 14.55 15.90 2.37 2.23
6 TRANSILVANIA Broker 5.40 7.16 1.61 7.15 1.30 5.79 23.97 25.44 2.16 1.87
7 MILLENIUM Insurance Broker 14.22 14.75 1.49 6.65 1.33 5.95 12.17 13.50 2.01 1.93
8 CAMPION Broker 9.04 10.80 1.40 6.24 1.15 5.13 21.97 23.42 1.88 1.66
9 UNICREDIT Insurance Broker 8.84 8.50 1.36 6.06 1.30 5.81 4.64 5.88 1.83 1.88
10 GrECo JLT Romania 11.50 15.28 1.16 5.14 0.99 4.40 17.22 18.61 1.55 1.43
11 ASIGEST Broker 24.83 34.18 1.12 4.96 1.39 6.21 -19.82 -18.87 1.50 2.01
12 PIRAEUS Insurance Broker 30.68 32.31 0.99 4.41 1.12 5.01 -11.50 -10.45 1.33 1.62
13 AGROPROTECTOR 2010 Asigurari 87.22 89.42 0.97 4.33 1.01 4.53 -4.01 -2.87 1.31 1.47
14 INTER Broker 4.14 5.43 0.96 4.27 0.67 3.00 43.05 44.75 1.29 0.97
15 VERASIG Broker 38.81 43.24 0.93 4.13 0.90 4.03 3.04 4.26 1.25 1.30
16 MAXYGO Broker 8.75 9.80 0.63 2.79 0.62 2.76 1.57 2.77 0.84 0.89
17 PROFESSIONAL Broker 7.46 6.27 0.59 2.62 0.48 2.15 22.72 24.17 0.79 0.70
18 DEXASIG Broker 12.02 9.28 0.53 2.35 0.34 1.51 55.55 57.40 0.71 0.49
19 DAW MANAGEMENT 2.46 3.47 0.50 2.22 0.33 1.46 53.08 54.89 0.67 0.47
20 PRESTIGE Insurance Broker 11.29 10.76 0.35 1.55 0.27 1.19 31.10 32.65 0.47 0.39
21 RISK CONTROL 21.00 23.82 0.34 1.50 0.32 1.44 4.99 6.23 0.45 0.46
22 ROM INSURANCE Broker 8.45 10.45 0.33 1.45 0.32 1.43 1.88 3.09 0.44 0.46
23 STAR Broker 6.37 7.09 0.31 1.36 0.31 1.37 -0.42 0.76 0.41 0.44
24 GLOBAL ASSISTANCE 13.76 14.18 0.27 1.22 0.23 1.02 20.03 21.45 0.37 0.33
25 DOMAS Broker 3.54 2.87 0.25 1.13 0.19 0.86 32.59 34.16 0.34 0.28
26 GLOBASIG 2002 Broker 5.89 7.25 0.24 1.05 0.21 0.92 14.88 16.24 0.32 0.30
27 SIRIUS Broker 43.40 36.61 0.23 1.03 0.16 0.70 46.98 48.72 0.31 0.23
28 LION Broker 12.19 16.27 0.22 1.00 0.25 1.14 -11.81 -10.76 0.30 0.37
29 PORSCHE Broker* 1.30 0.24 0.20 0.89 0.04 0.16 453.32 459.87 0.27 0.05
30 CONFISIO Broker 44.68 74.70 0.19 0.86 0.32 1.44 -39.72 -39.00 0.26 0.47
31 ASIG MANAGEMENT 31.77 50.63 0.19 0.84 0.31 1.39 -39.39 -38.67 0.25 0.45
32 EUROGROUP 46.78 26.32 0.19 0.83 0.13 0.59 41.69 43.37 0.25 0.19
33 MB EUROPA Broker 8.97 10.62 0.17 0.74 0.17 0.75 -0.73 0.44 0.22 0.24
34 MEGA GROUP Broker 36.51 42.82 0.15 0.68 0.13 0.60 13.04 14.38 0.20 0.19
35 ORIZONT Broker 5.13 5.75 0.13 0.59 0.12 0.55 7.82 9.10 0.18 0.18
36 ARPEMIX-CONSULT 10.80 12.11 0.12 0.53 0.12 0.53 1.45 2.66 0.16 0.17
37 ACTIV Asigurari 3.47 3.97 0.11 0.51 0.11 0.50 1.20 2.40 0.15 0.16
38 ASIFORT Broker 16.26 15.26 0.10 0.45 0.10 0.43 5.33 6.58 0.14 0.14
39 LACOLI Broker 4.12 4.01 0.10 0.44 0.10 0.43 2.84 4.05 0.13 0.14
40 HOBBIT Broker 22.69 - 0.09 0.40 - - - - 0.12 -
41 SUD ASIG Broker 4.29 5.24 0.09 0.40 0.11 0.49 -18.80 -17.84 0.12 0.16
42 LEADER TEAM 8.77 - 0.08 0.36 - - - - 0.11 -
43 UNIPET Broker 15.95 15.78 0.07 0.31 0.06 0.28 12.20 13.53 0.09 0.09
44 EXA Broker 3.45 5.28 0.07 0.30 0.07 0.30 -1.04 0.13 0.09 0.10
45 INSIA Broker 10.55 17.85 0.07 0.30 0.02 0.11 178.21 181.51 0.09 0.03
46 SIS Broker 14.81 14.57 0.06 0.26 0.06 0.27 -1.70 -0.53 0.08 0.09
47 KUNDEN Broker 2.37 3.15 0.06 0.25 0.07 0.29 -14.41 -13.39 0.07 0.09
48 GT Broker 4.09 4.55 0.05 0.24 0.05 0.24 3.96 5.19 0.07 0.08
49 SAFE INVEST Romania 6.67 5.83 0.05 0.21 0.04 0.19 14.31 15.67 0.06 0.06
50 EURIAL Broker 5.17 1.64 0.04 0.19 0.02 0.10 86.48 88.69 0.06 0.03
TOTAL* 13.21 14.06 74.51 331.39 69.16 308.78 7.74 9.01 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

40 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Incendiu şi calamităţi naturale | Fire and allied perils insurance | TOP 50


Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
prime intermediate S1 2015 S1 2014 în EUR în RON
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal change Real change Market share (%)
portfolio 1H2015 1H2014 in EUR in RON
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 MARSH Broker 33.71 28.15 12.98 57.73 8.96 40.00 44.87 46.59 25.20 18.19
2 SAFETY Broker 5.45 5.48 2.27 10.11 1.85 8.28 22.54 23.99 4.41 3.76
3 AON Romania 16.64 21.23 1.91 8.49 1.92 8.56 -0.48 0.70 3.71 3.89
4 DESTINE Broker 5.24 5.82 1.28 5.71 1.13 5.05 13.52 14.86 2.49 2.29
5 TRANSILVANIA Broker 4.23 6.12 1.26 5.60 1.11 4.95 13.52 14.87 2.44 2.25
6 MILLENIUM Insurance Broker 11.24 11.94 1.18 5.25 1.08 4.81 9.62 10.92 2.29 2.19
7 CAMPION Broker 7.33 8.47 1.14 5.06 0.90 4.02 26.10 27.60 2.21 1.83
8 ASIGEST Broker 21.94 24.15 0.99 4.38 0.98 4.39 0.28 1.47 1.91 2.00
9 PIRAEUS Insurance Broker 29.91 31.40 0.97 4.30 1.09 4.87 -11.21 -10.16 1.88 2.21
10 INTER Broker 3.71 4.69 0.86 3.83 0.58 2.59 48.56 50.32 1.67 1.18
11 VERASIG Broker 32.97 37.42 0.79 3.51 0.78 3.48 1.11 2.31 1.53 1.58
12 MAXYGO Broker 8.07 9.29 0.58 2.58 0.59 2.62 -1.17 0.00 1.13 1.19
13 GrECo JLT Romania 5.68 12.06 0.57 2.54 0.78 3.47 -26.65 -25.78 1.11 1.58
14 DAW MANAGEMENT 2.44 3.45 0.50 2.21 0.32 1.45 52.98 54.79 0.96 0.66
15 PROFESSIONAL Broker 6.23 5.74 0.49 2.19 0.44 1.96 12.04 13.37 0.96 0.89
16 UNICREDIT Insurance Broker 3.00 3.11 0.46 2.06 0.48 2.13 -2.95 -1.80 0.90 0.97
17 RISK CONTROL 19.36 22.96 0.31 1.38 0.31 1.38 0.41 1.60 0.60 0.63
18 STAR Broker 6.06 6.58 0.29 1.29 0.28 1.27 2.13 3.34 0.57 0.58
19 PRESTIGE Insurance Broker 9.09 7.63 0.28 1.25 0.19 0.84 48.89 50.65 0.55 0.38
20 DEXASIG Broker 6.03 6.32 0.26 1.18 0.23 1.03 14.60 15.96 0.51 0.47
21 GLOBAL ASSISTANCE 12.11 12.22 0.24 1.07 0.20 0.88 22.63 24.08 0.47 0.40
22 SIRIUS Broker 40.39 35.07 0.21 0.96 0.15 0.67 42.79 44.48 0.42 0.31
23 GLOBASIG 2002 Broker 5.09 6.20 0.20 0.91 0.18 0.78 16.19 17.57 0.40 0.36
24 PORSCHE Broker* 1.30 0.24 0.20 0.89 0.04 0.16 453.32 459.87 0.39 0.07
25 EUROGROUP 46.02 25.87 0.18 0.82 0.13 0.58 41.79 43.47 0.36 0.26
26 MB EUROPA Broker 8.65 9.30 0.16 0.71 0.15 0.66 9.33 10.63 0.31 0.30
27 DOMAS Broker 2.17 1.77 0.16 0.69 0.12 0.53 31.66 33.22 0.30 0.24
28 LION Broker 7.37 7.45 0.14 0.60 0.12 0.52 16.37 17.75 0.26 0.24
29 ORIZONT Broker 5.09 5.73 0.13 0.59 0.12 0.55 7.46 8.73 0.26 0.25
30 ASIG MANAGEMENT 21.45 21.37 0.13 0.57 0.13 0.59 -3.05 -1.90 0.25 0.27
31 ACTIV Asigurari 3.46 3.96 0.11 0.51 0.11 0.50 1.30 2.50 0.22 0.23
32 ARPEMIX-CONSULT 9.80 11.38 0.11 0.48 0.11 0.50 -2.04 -0.88 0.21 0.23
33 ASIFORT Broker 15.92 14.22 0.10 0.44 0.09 0.40 10.71 12.02 0.19 0.18
34 LACOLI Broker 3.99 3.54 0.10 0.43 0.09 0.38 12.94 14.28 0.19 0.17
35 SUD ASIG Broker 4.18 5.07 0.09 0.39 0.11 0.47 -18.35 -17.38 0.17 0.22
36 LEADER TEAM 8.13 - 0.08 0.34 - - - - 0.15 -
37 HOBBIT Broker 18.65 - 0.07 0.33 - - - - 0.14 -
38 ROM INSURANCE Broker 1.81 9.63 0.07 0.31 0.29 1.32 -76.29 -76.01 0.14 0.60
39 EXA Broker 3.43 5.26 0.07 0.30 0.07 0.30 -1.15 0.02 0.13 0.14
40 SIS Broker 14.81 14.39 0.06 0.26 0.06 0.26 -0.47 0.71 0.11 0.12
41 MEGA GROUP Broker 13.66 13.12 0.06 0.25 0.04 0.18 38.07 39.71 0.11 0.08
42 KUNDEN Broker 2.37 3.15 0.06 0.25 0.07 0.29 -14.41 -13.39 0.11 0.13
43 INSIA Broker 8.68 17.43 0.05 0.24 0.02 0.10 134.36 137.14 0.11 0.05
44 GT Broker 3.93 4.45 0.05 0.23 0.05 0.23 2.14 3.35 0.10 0.10
45 UNIPET Broker 11.85 13.64 0.05 0.23 0.05 0.24 -3.49 -2.34 0.10 0.11
46 CONDOR Broker 15.65 18.53 0.04 0.18 0.05 0.23 -21.52 -20.59 0.08 0.11
47 DIREKTASIG FILADELFIA Broker 4.25 5.04 0.04 0.16 0.03 0.15 10.02 11.32 0.07 0.07
48 FABRICA DE ASIGURARI 19.96 0.59 0.03 0.14 0.00 0.01 1,132 1,147 0.06 0.01
49 TOTAL ASIG 25.30 15.08 0.03 0.14 0.01 0.05 156.09 159.13 0.06 0.02
50 AGROPROTECTOR 2010 Asigurari 2.58 3.61 0.03 0.13 0.04 0.18 -29.77 -28.94 0.06 0.08
TOTAL* 9.13 10.02 51.50 229.05 49.26 219.91 4.56 5.80 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

Year XIII - no. 3/2015 (48) 41


S1 2015 ROMANIA

Asigurări de daune la proprietăţi | Damages to property insurance | TOP 50


Nr. Compania Pondere în total Prime intermediate Evoluţie nominală Evoluţie reală Cota de piaţă (%)
prime intermediate în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal change Real change Market share (%)
portfolio in EUR in RON
1H2015 1H2014
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 MARSH Broker 9.55 9.85 3.68 16.35 3.14 14.00 17.23 18.62 15.98 15.75
2 GRAS SAVOYE Romania 34.80 - 3.08 13.70 - - - - 13.39 -
3 AON Romania 13.48 26.82 1.55 6.88 2.42 10.82 -36.18 -35.43 6.72 12.17
4 AGROPROTECTOR 2010 Asigurari 84.64 85.81 0.95 4.20 0.97 4.35 -2.93 -1.78 4.11 4.89
5 UNICREDIT Insurance Broker 5.84 5.39 0.90 4.00 0.83 3.69 9.02 10.32 3.91 4.15
6 GrECo JLT Romania 5.82 3.21 0.58 2.60 0.21 0.93 181.86 185.20 2.54 1.04
7 DESTINE Broker 1.97 2.11 0.48 2.14 0.41 1.83 17.38 18.77 2.09 2.06
8 SAFETY Broker 1.07 0.63 0.45 1.98 0.21 0.95 108.54 111.01 1.94 1.07
9 TRANSILVANIA Broker 1.17 1.04 0.35 1.55 0.19 0.84 85.71 87.91 1.51 0.94
10 MILLENIUM Insurance Broker 2.98 2.82 0.31 1.39 0.25 1.14 22.99 24.45 1.36 1.28
11 CAMPION Broker 1.71 2.33 0.27 1.18 0.25 1.11 6.98 8.25 1.15 1.25
12 DEXASIG Broker 5.99 2.96 0.26 1.17 0.11 0.48 142.92 145.80 1.14 0.54
13 ROM INSURANCE Broker 6.63 0.81 0.26 1.14 0.02 0.11 926.46 938.63 1.11 0.13
14 CONFISIO Broker 39.60 70.30 0.17 0.77 0.30 1.35 -43.22 -42.55 0.75 1.52
15 VERASIG Broker 5.85 5.81 0.14 0.62 0.12 0.54 15.44 16.81 0.61 0.61
16 ASIGEST Broker 2.89 10.03 0.13 0.58 0.41 1.82 -68.22 -67.85 0.56 2.05
17 INTER Broker 0.43 0.75 0.10 0.44 0.09 0.41 8.40 9.69 0.43 0.46
18 DOMAS Broker 1.37 1.10 0.10 0.44 0.07 0.33 34.08 35.67 0.43 0.37
19 PROFESSIONAL Broker 1.23 0.54 0.10 0.43 0.04 0.18 137.14 139.96 0.42 0.21
20 MEGA GROUP Broker 22.85 29.70 0.10 0.42 0.09 0.42 1.99 3.20 0.41 0.47
21 LION Broker 4.82 8.82 0.09 0.40 0.14 0.62 -35.62 -34.85 0.39 0.69
22 PRESTIGE Insurance Broker 2.20 3.13 0.07 0.30 0.08 0.35 -12.28 -11.24 0.30 0.39
23 ASIG MANAGEMENT 10.32 29.26 0.06 0.27 0.18 0.80 -65.94 -65.54 0.27 0.90
24 MAXYGO Broker 0.68 0.51 0.05 0.22 0.03 0.14 51.50 53.29 0.21 0.16
25 EURIAL Broker 4.32 1.24 0.04 0.16 0.02 0.08 106.13 108.57 0.16 0.09
26 GLOBAL ASSISTANCE 1.64 1.96 0.03 0.15 0.03 0.14 3.79 5.02 0.14 0.16
27 GLOBASIG 2002 Broker 0.80 1.05 0.03 0.14 0.03 0.13 7.15 8.42 0.14 0.15
28 SAFE INVEST Romania 3.93 2.69 0.03 0.12 0.02 0.09 46.16 47.89 0.12 0.10
29 RISK CONTROL 1.64 0.86 0.03 0.12 0.01 0.05 127.93 130.63 0.11 0.06
30 PIRAEUS Insurance Broker 0.77 0.91 0.02 0.11 0.03 0.14 -21.50 -20.57 0.11 0.16
31 UNIPET Broker 4.09 2.14 0.02 0.08 0.01 0.04 111.98 114.49 0.08 0.04
32 EPM Romania 4.18 3.70 0.02 0.08 0.02 0.08 -6.50 -5.39 0.07 0.09
33 HOBBIT Broker 4.04 - 0.02 0.07 - - - - 0.07 -
34 SIRIUS Broker 3.01 1.54 0.02 0.07 0.01 0.03 142.51 145.38 0.07 0.03
35 STAR Broker 0.30 0.51 0.01 0.06 0.02 0.10 -33.49 -32.70 0.06 0.11
36 INSIA Broker 1.87 0.42 0.01 0.05 0.00 0.00 2,020 2,045 0.05 0.00
37 ARPEMIX-CONSULT 1.00 0.73 0.01 0.05 0.01 0.03 56.22 58.08 0.05 0.04
38 ATLANTIC Broker Group 0.28 0.81 0.01 0.03 0.01 0.06 -55.34 -54.82 0.03 0.07
39 MB EUROPA Broker 0.32 1.33 0.01 0.03 0.02 0.09 -71.32 -70.98 0.03 0.11
40 LEADER TEAM 0.64 - 0.01 0.03 - - - - 0.03 -
41 EUROGROUP 0.76 0.45 0.00 0.01 0.00 0.01 35.67 37.28 0.01 0.01
42 LACOLI Broker 0.13 0.47 0.00 0.01 0.01 0.05 -73.03 -72.71 0.01 0.06
43 DAW MANAGEMENT 0.01 0.02 0.00 0.01 0.00 0.01 74.29 76.36 0.01 0.01
44 SUD ASIG Broker 0.11 0.16 0.00 0.01 0.00 0.02 -32.65 -31.85 0.01 0.02
45 ASIFORT Broker 0.34 1.05 0.00 0.01 0.01 0.03 -67.57 -67.19 0.01 0.03
46 APRIL Broker 2.12 5.48 0.00 0.01 0.00 0.01 -19.03 -18.07 0.01 0.01
47 GT Broker 0.16 0.10 0.00 0.01 0.00 0.00 88.41 90.64 0.01 0.01
48 FABRICA DE ASIGURARI 1.06 18.96 0.00 0.01 0.08 0.37 -97.95 -97.93 0.01 0.42
49 CONDOR Broker 0.62 0.57 0.00 0.01 0.00 0.01 0.37 1.56 0.01 0.01
50 EXPRESS Broker 0.48 - 0.00 0.01 - - - - 0.01 -
TOTAL* 4.08 4.05 23.01 102.34 19.90 88.87 15.60 16.97 100.00 100.00

* estimări | estimates

42 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Răspundere civilă generală | GTPL insurance | TOP 50


Nr. Compania Pondere în total Prime intermediate Evoluţie Evoluţie reală Cota de piaţă (%)
prime intermediate nominală în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal change Real change Market share (%)
portfolio in EUR in RON
1H2015 1H2014
1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014
1 MARSH Broker 6.82 6.83 2.63 11.68 2.17 9.70 20.88 22.31 15.54 15.28
2 AON Romania 17.56 15.47 2.01 8.96 1.40 6.24 44.11 45.82 11.92 9.83
3 SAFETY Broker 1.77 1.15 0.74 3.27 0.39 1.74 88.67 90.90 4.35 2.74
4 GRAS SAVOYE Romania 7.11 - 0.63 2.80 - - - - 3.73 -
5 GrECo JLT Romania 5.04 8.24 0.51 2.25 0.53 2.37 -4.77 -3.65 3.00 3.74
6 CAMPION Broker 2.63 2.65 0.41 1.81 0.28 1.26 44.30 46.01 2.41 1.99
7 TRANSILVANIA Broker 1.22 1.13 0.36 1.61 0.21 0.92 76.66 78.76 2.15 1.44
8 INTER Broker 1.23 1.41 0.28 1.26 0.17 0.78 63.01 64.94 1.68 1.23
9 ASIGEST Broker 6.09 8.49 0.27 1.22 0.35 1.54 -20.87 -19.93 1.62 2.43
10 GLOBASIG 2002 Broker 6.67 8.94 0.27 1.19 0.25 1.13 5.51 6.76 1.58 1.78
11 MILLENIUM Insurance Broker 2.46 2.48 0.26 1.15 0.22 1.00 15.55 16.92 1.53 1.57
12 RISK CONTROL 12.29 8.08 0.20 0.88 0.11 0.49 81.13 83.28 1.17 0.77
13 DESTINE Broker 0.75 0.84 0.18 0.81 0.16 0.73 11.88 13.20 1.08 1.15
14 VERASIG Broker 6.54 5.56 0.16 0.70 0.12 0.52 35.02 36.62 0.93 0.81
15 DOMAS Broker 1.93 0.76 0.14 0.62 0.05 0.23 172.64 175.87 0.82 0.36
16 STAR Broker 2.68 2.90 0.13 0.57 0.13 0.56 2.44 3.66 0.76 0.88
17 EXA Broker 5.81 5.17 0.11 0.50 0.07 0.30 70.48 72.50 0.67 0.47
18 PRESTIGE Insurance Broker 3.57 2.72 0.11 0.49 0.07 0.30 64.24 66.19 0.65 0.47
19 PROFESSIONAL Broker 1.24 0.76 0.10 0.43 0.06 0.26 67.00 68.97 0.58 0.41
20 LION Broker 5.05 6.38 0.09 0.41 0.10 0.45 -6.83 -5.73 0.55 0.70
21 HOBBIT Broker 21.45 - 0.09 0.38 - - - - 0.51 -
22 MAXYGO Broker 1.19 0.90 0.09 0.38 0.06 0.25 50.90 52.68 0.50 0.40
23 DAW MANAGEMENT 0.36 0.29 0.07 0.33 0.03 0.12 166.89 170.05 0.43 0.19
24 ROM INSURANCE Broker 1.81 1.73 0.07 0.31 0.05 0.24 32.13 33.69 0.41 0.37
25 SIRIUS Broker 12.99 13.38 0.07 0.31 0.06 0.26 20.39 21.82 0.41 0.40
26 INSIA Broker 10.65 5.53 0.07 0.30 0.01 0.03 806.94 817.69 0.40 0.05
27 ATLANTIC Broker Group 3.09 4.71 0.07 0.30 0.08 0.35 -14.84 -13.83 0.40 0.55
28 UNICREDIT Insurance Broker 0.39 0.47 0.06 0.27 0.07 0.32 -15.11 -14.10 0.36 0.50
29 LACOLI Broker 2.45 1.37 0.06 0.26 0.03 0.15 79.11 81.23 0.35 0.23
30 LEADER TEAM 5.78 - 0.05 0.24 - - - - 0.32 -
31 ASIG MANAGEMENT 7.12 10.16 0.04 0.19 0.06 0.28 -32.32 -31.52 0.25 0.44
32 SUD ASIG Broker 1.84 1.11 0.04 0.17 0.02 0.10 63.61 65.55 0.23 0.16
33 MB EUROPA Broker 1.97 2.42 0.04 0.16 0.04 0.17 -4.05 -2.91 0.22 0.27
34 ORIZONT Broker 1.37 2.90 0.04 0.16 0.06 0.28 -42.83 -42.15 0.21 0.44
35 DEXASIG Broker 0.76 1.26 0.03 0.15 0.05 0.21 -27.93 -27.08 0.20 0.32
36 GLOBAL ASSISTANCE 1.38 1.42 0.03 0.12 0.02 0.10 19.72 21.14 0.16 0.16
37 EUROGROUP 6.31 7.44 0.03 0.11 0.04 0.17 -32.43 -31.63 0.15 0.26
38 ACTIV Asigurari 0.76 4.41 0.02 0.11 0.13 0.56 -80.04 -79.81 0.15 0.88
39 PIRAEUS Insurance Broker 0.56 0.76 0.02 0.08 0.03 0.12 -30.88 -30.06 0.11 0.19
40 KUNDEN Broker 0.71 0.24 0.02 0.07 0.00 0.02 239.10 243.12 0.10 0.03
41 ARPEMIX-CONSULT 1.19 1.51 0.01 0.06 0.01 0.07 -10.44 -9.38 0.08 0.10
42 SIS Broker 3.00 6.11 0.01 0.05 0.03 0.11 -52.53 -51.96 0.07 0.18
43 EPM Romania 2.28 0.08 0.01 0.04 0.00 0.00 2,339 2,368 0.05 0.00
44 UNIPET Broker 2.00 2.53 0.01 0.04 0.01 0.04 -12.38 -11.34 0.05 0.07
45 MEGA GROUP Broker 1.53 1.69 0.01 0.03 0.01 0.02 20.01 21.43 0.04 0.04
46 TOTAL ASIG 5.25 3.72 0.01 0.03 0.00 0.01 115.45 118.00 0.04 0.02
47 SAFE INVEST Romania 0.86 1.64 0.01 0.03 0.01 0.05 -47.16 -46.53 0.04 0.08
48 ASIFORT Broker 0.92 1.47 0.01 0.03 0.01 0.04 -37.87 -37.14 0.03 0.06
49 GT Broker 0.37 0.38 0.01 0.02 0.00 0.02 13.49 14.84 0.03 0.03
50 PORSCHE Broker* 0.03 0.03 0.00 0.02 0.00 0.02 -3.69 -2.55 0.03 0.03
TOTAL* 3.00 2.89 16.90 75.16 14.22 63.50 18.83 20.24 100.00 100.00

* Totalul si rezultatele PORSCHE Broker sunt estimate / The total and the PORSCHE Broker figures are estimates

Year XIII - no. 3/2015 (48) 43


S1 2015 ROMANIA

Credite şi garanţii | Credit and warranties


Nr. Compania Pondere în total Prime intermediate Evoluţie Evoluţie reală Cota de piaţă (%)
prime intermediate nominală în EUR în RON
S1 2015 S1 2014
S1 2015 S1 2014 mil. EUR mil. RON mil. EUR mil. RON % % S1 2015 S1 2014
No. Company % in its own insurance Mediated premiums Nominal Real change Market share (%)
portfolio 1H2015 1H2014 change in EUR in RON

1H2015 1H2014 EUR m. RON m. EUR m. RON m. % % 1H2015 1H2014


1 AON Romania 18.09 - 2.08 9.23 -0.25 -1.13 - - 17.77 -
2 MARSH Broker 4.29 4.43 1.65 7.34 1.41 6.30 17.00 18.39 14.13 22.84
3 SAFETY Broker 1.22 1.17 0.51 2.27 0.40 1.77 28.25 29.77 4.36 6.43
4 TRANSILVANIA Broker 1.66 0.25 0.49 2.19 0.05 0.21 970.97 983.66 4.22 0.75
5 LION Broker 21.70 12.95 0.40 1.78 0.20 0.90 97.21 99.55 3.42 3.28
6 ASIGEST Broker 8.00 5.75 0.36 1.60 0.23 1.05 53.48 55.30 3.08 3.79
7 DESTINE Broker 1.15 1.99 0.28 1.26 0.39 1.72 -26.85 -25.98 2.42 6.25
8 RISK CONTROL 17.28 3.02 0.28 1.24 0.04 0.18 580.89 588.96 2.38 0.66
9 PRESTIGE Insurance Broker 6.19 8.90 0.19 0.85 0.22 0.98 -13.06 -12.03 1.64 3.57
10 ASIG MANAGEMENT 18.87 3.80 0.11 0.50 0.02 0.10 380.10 385.79 0.96 0.38
11 GrECo JLT Romania 1.01 0.35 0.10 0.45 0.02 0.10 357.63 363.06 0.87 0.36
12 INSIA Broker 14.70 0.24 0.09 0.41 0.00 0.00 29,026 29,371 0.80 0.01
13 INTER Broker 0.39 0.31 0.09 0.41 0.04 0.17 137.70 140.52 0.78 0.62
14 MILLENIUM Insurance Broker 0.84 0.41 0.09 0.39 0.04 0.17 138.92 141.75 0.76 0.60
15 CAMPION Broker 0.47 0.37 0.07 0.32 0.04 0.18 83.02 85.19 0.62 0.64
16 VERASIG Broker 2.72 3.08 0.06 0.29 0.06 0.29 1.09 2.29 0.56 1.04
17 SIRIUS Broker 10.83 12.59 0.06 0.26 0.05 0.24 6.66 7.92 0.49 0.87
18 DEXASIG Broker 1.08 1.30 0.05 0.21 0.05 0.21 -0.51 0.67 0.40 0.77
19 DAW MANAGEMENT 0.20 0.16 0.04 0.18 0.01 0.07 173.86 177.11 0.34 0.24
20 EXA Broker 1.66 0.70 0.03 0.14 0.01 0.04 260.69 264.96 0.28 0.14
21 CONFISIO Broker 7.28 1.43 0.03 0.14 0.01 0.03 413.75 419.84 0.27 0.10
22 STAR Broker 0.66 0.32 0.03 0.14 0.01 0.06 127.04 129.73 0.27 0.23
23 GLOBAL ASSISTANCE 1.58 0.94 0.03 0.14 0.02 0.07 106.70 109.15 0.27 0.25
24 LACOLI Broker 1.09 0.43 0.03 0.12 0.01 0.05 152.76 155.76 0.22 0.17
25 ORIZONT Broker 0.93 0.42 0.02 0.11 0.01 0.04 167.96 171.13 0.21 0.15
26 PIRAEUS Insurance Broker 0.62 0.72 0.02 0.09 0.03 0.11 -19.88 -18.93 0.17 0.41
27 ATLANTIC Broker Group 0.92 3.63 0.02 0.09 0.06 0.27 -67.01 -66.62 0.17 0.98
28 EUROGROUP 4.89 21.38 0.02 0.09 0.11 0.48 -81.75 -81.54 0.17 1.74
29 UNICREDIT Insurance Broker 0.12 0.28 0.02 0.08 0.04 0.19 -57.87 -57.37 0.15 0.68
30 ARPEMIX-CONSULT 1.61 0.38 0.02 0.08 0.00 0.02 381.60 387.31 0.15 0.06
31 PROFESSIONAL Broker 0.22 0.18 0.02 0.08 0.01 0.06 22.94 24.39 0.15 0.22
32 MAROSI Broker 8.21 - 0.02 0.07 - - - - 0.14 -
33 CONDOR Broker 4.80 2.35 0.01 0.06 0.01 0.03 90.08 92.34 0.11 0.11
34 MAXYGO Broker 0.16 0.20 0.01 0.05 0.01 0.06 -9.06 -7.98 0.10 0.21
35 MEGA GROUP Broker 1.94 1.06 0.01 0.04 0.00 0.01 141.52 144.38 0.07 0.05
36 ROM INSURANCE Broker 0.21 0.07 0.01 0.04 0.00 0.01 285.99 290.56 0.07 0.03
37 LEADER TEAM 0.72 - 0.01 0.03 - - - - 0.06 -
38 SUD ASIG Broker 0.22 0.27 0.00 0.02 0.01 0.03 -22.45 -21.53 0.04 0.09
39 MB EUROPA Broker 0.15 0.52 0.00 0.01 0.01 0.04 -66.72 -66.33 0.02 0.13
40 ASIFORT Broker 0.44 0.70 0.00 0.01 0.00 0.02 -38.62 -37.90 0.02 0.07
41 GLOBASIG 2002 Broker 0.06 0.11 0.00 0.01 0.00 0.01 -27.05 -26.18 0.02 0.05
42 TOTAL ASIG 1.31 - 0.00 0.01 - - - - 0.01 -
43 FABRICA DE ASIGURARI 0.47 0.11 0.00 0.00 0.00 0.00 56.92 58.78 0.01 0.01
44 GT Broker 0.05 - 0.00 0.00 - - - - 0.01 -
45 KUNDEN Broker 0.03 - 0.00 0.00 - - - - 0.01 -
46 ACTIV Asigurari 0.00 0.11 0.00 0.00 0.00 0.01 -97.24 -97.20 0.00 0.05
47 SAFE INVEST Romania 0.01 0.07 0.00 0.00 0.00 0.00 -86.62 -86.46 0.00 0.01
48 DIREKTASIG FILADELFIA Broker - 0.05 - - 0.00 0.00 - - - 0.01
TOTAL* 2.07 1.26 11.68 51.96 6.18 27.59 89.09 91.33 100.00 100.00

* estimări | estimates

44 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

Indicatorii financiari | Financial indicators


Nr. Compania Venituri Comisioane Nr. Compania Venituri Comisioane
S1 2015 S1 2014 Evoluţie Evoluţie S1 2015 S1 2015 S1 2014 Evoluţie Evoluţie S1 2015
nominală reală în nominală reală în
în EUR RON în EUR RON
mil. mil. mil. mil. % % mil. mil. mil. mil. mil. mil. % % mil. mil.
EUR RON EUR RON EUR RON EUR RON EUR RON EUR RON
No. Company Incomes Commissions No. Company Incomes Commissions
1H2015 1H2014 Nominal Real 1H2015 1H2015 1H2014 Nominal Real 1H2015
change in change change in change
EUR in RON EUR in RON
EUR RON EUR RON % % EUR RON EUR RON EUR RON % % EUR RON
m. m. m. m. m. m. m. m. m. m. m. m.
1 ACTIV Asigurari 0.60 2.68 0.57 2.55 5.59 6.85 0.59 2.62 26 MAKLER-SIG 0.02 0.09 0.02 0.08 0.98 2.17 0.02 0.09

2 AON Romania 1.45 6.43 1.00 4.46 44.93 46.65 1.66 7.37 27 MAROSI Broker - - - - - - 0.04 0.16

3 APRIL Broker 0.02 0.11 0.01 0.06 80.55 82.69 0.02 0.11 28 MAXYGO Broker - - - - - - 1.28 5.69

4 ASIFORT Broker 0.11 0.49 0.11 0.51 -3.92 -2.78 - - 29 MB EUROPA Broker 0.37 1.65 0.31 1.39 18.96 20.37 1.59 7.08

5 ASIG MANAGEMENT - - - - - - 0.11 0.50 30 MEGA GROUP Broker 0.08 0.34 0.07 0.30 14.50 15.86 0.08 0.34

6 ASIGEST Broker - - - - - - 4.40 19.56 31 ORIZONT Broker 0.50 2.22 0.43 1.93 15.12 16.48 0.50 2.22
7 CAMPION Broker - - - - - - 3.02 13.44 32 PIRAEUS Insurance Broker 1.14 5.07 0.94 4.19 21.65 23.09 1.14 5.07
8 CONDOR Broker 0.05 0.21 0.05 0.21 -1.45 -0.28 0.05 0.21 33 PRESTIGE Insurance Broker 0.51 2.28 0.45 2.03 12.93 14.27 0.51 2.28
9 CONFISIO Broker 0.08 0.34 0.09 0.41 -16.27 -15.28 0.08 0.34 34 PROFESSIONAL Broker 1.55 6.91 1.63 7.30 -4.91 -3.78 1.58 7.03
10 DAW MANAGEMENT 4.14 18.41 4.32 19.29 -4.23 -3.09 - - 35 RISK CONTROL 0.34 1.49 0.30 1.32 13.68 15.03 0.33 1.49
11 DESTINE Broker 5.25 23.35 4.42 19.75 18.70 20.11 5.17 23.01 36 ROM INSURANCE Broker 0.70 3.11 0.59 2.65 17.86 19.26 0.66 2.94
12 DEXASIG Broker - - 0.62 2.77 -100.00 -100.00 0.72 3.21 37 SAFE INVEST Romania 0.14 0.62 0.15 0.68 -8.13 -7.04 0.14 0.62
DIREKTASIG FILADELFIA 38 SIRIUS Broker 0.11 0.50 0.09 0.42 20.93 22.36 - -
13 0.15 0.66 0.12 0.54 23.06 24.51 0.15 0.66
Broker
14 DOMAS Broker 1.49 6.61 1.50 6.70 -0.86 0.31 1.49 6.61 39 STAR Broker 0.95 4.21 - - - - 0.95 4.21

15 EPM Romania 0.08 0.34 0.11 0.51 -33.40 -32.61 0.08 0.34 40 SUD ASIG Broker 0.36 1.61 0.38 1.67 -3.78 -2.64 0.36 1.61

16 EURIAL Broker 0.12 0.53 0.22 0.98 -45.96 -45.32 0.12 0.53 41 TOTAL ASIG 0.02 0.10 - - - - - -
UNICREDIT Insurance
17 EUROGROUP 0.09 0.40 0.11 0.50 -20.06 -19.11 0.09 0.39 42 2.85 12.66 - - - - - -
Broker
18 EXA Broker 0.38 1.68 0.25 1.10 53.79 55.61 0.38 1.68 43 VERASIG Broker 0.23 1.01 0.11 0.48 113.04 115.57 0.23 1.01
19 FAIRWAY Broker 0.24 1.05 0.16 0.73 44.15 45.86 0.22 0.97
20 GLOBAL ASSISTANCE 0.35 1.55 0.30 1.34 16.42 17.80 0.35 1.55
21 GLOBASIG 2002 Broker 0.92 4.08 0.64 2.86 43.25 44.95 0.92 4.08
22 GT Broker 0.23 1.01 0.20 0.91 11.85 13.17 0.23 1.01
23 INTER Broker 4.70 20.90 2.85 12.72 64.96 66.92 4.70 20.90
24 KUNDEN Broker 0.27 1.18 - - - - 0.27 1.18
25 LACOLI Broker 0.42 1.88 0.47 2.09 -9.63 -8.56 0.42 1.86

Year XIII - no. 3/2015 (48) 45


S1 2015 ROMANIA

Structura portofoliului pe clase de asigurări şi companii de brokeraj


Breakdown of premiums per brokerage companies and insurance classes
Nr. Compania ASIGURĂRI DE ASIGURĂRI ASIGURĂRI DE TIP PROPERTY ASIGURĂRI AUTO
VIAŢĂ GENERALE
TOTAL TOTAL TOTAL INCENDII ŞI DAUNE LA TOTAL CASCO RCA
CALAMITĂŢI PROPRIETĂŢI
NATURALE
% % % % % % % %
No. Company LIFE NON-LIFE INSUR- PROPERTY MOTOR
INSURANCE ANCE
TOTAL TOTAL TOTAL FIRE AND DAMAGES TO TOTAL MOTOR HULL MOTOR THIRD
ALLIED PERILS PROPERTY PART LIABILITY

% % % % % % % %
1 ACTIV Asigurari 0.19 99.81 3.47 3.46 0.01 95.10 50.50 44.60
2 AGROPROTECTOR 2010 Asigurari 0.00 100.00 87.22 2.58 84.64 12.43 5.06 7.37
3 AON Romania 2.73 97.27 30.12 16.64 13.48 26.51 20.87 5.64
4 APRIL Broker - 100.00 12.35 10.23 2.12 81.34 42.44 38.90
5 ARPEMIX-CONSULT 0.82 99.18 10.80 9.80 1.00 84.35 16.02 68.32
6 ASIFORT Broker 0.37 99.63 16.26 15.92 0.34 80.91 29.82 51.09
7 ASIG MANAGEMENT 3.28 96.72 31.77 21.45 10.32 36.17 27.70 8.46
8 ASIGEST Broker 0.35 99.65 24.83 21.94 2.89 57.10 21.86 35.24
9 ATLANTIC Broker Group 0.19 99.81 0.28 - 0.28 78.91 19.73 59.18
10 CAMPION Broker 0.72 99.28 9.04 7.33 1.71 84.84 11.77 73.07
11 CONDOR Broker 0.36 99.64 16.27 15.65 0.62 72.70 22.15 50.55
12 CONFISIO Broker 0.54 99.46 44.68 5.08 39.60 44.98 16.02 28.96
13 DAW MANAGEMENT 0.04 99.96 2.46 2.44 0.01 95.62 2.76 92.86
14 DESTINE Broker 1.50 98.50 7.21 5.24 1.97 86.94 8.51 78.43
15 DEXASIG Broker 0.09 99.91 12.02 6.03 5.99 83.20 19.44 63.76
16 DIREKTASIG FILADELFIA Broker 0.13 99.87 4.28 4.25 0.03 94.11 21.84 72.28
17 DOMAS Broker 0.00 100.00 3.54 2.17 1.37 93.29 7.26 86.04
18 EPM Romania 69.29 30.71 4.52 0.34 4.18 23.88 1.10 22.78
19 EURIAL Broker 0.03 99.97 5.17 0.85 4.32 90.32 66.69 23.63
20 EUROGROUP 0.44 99.56 46.78 46.02 0.76 40.55 24.12 16.43
21 EXA Broker 1.88 98.12 3.45 3.43 0.02 85.73 11.22 74.51
22 EXPRESS Broker 0.53 99.47 8.94 8.46 0.48 87.76 37.59 50.17
23 FABRICA DE ASIGURARI 0.08 99.92 21.02 19.96 1.06 73.15 16.33 56.81
24 FAIRWAY Broker - 100.00 - - - - - -
25 GLOBAL ASSISTANCE 0.29 99.71 13.76 12.11 1.64 81.69 20.06 61.64
26 GLOBASIG 2002 Broker 0.24 99.76 5.89 5.09 0.80 83.34 16.28 67.06
27 GRAS SAVOYE Romania 4.32 95.68 34.80 - 34.80 30.99 10.42 20.58
28 GrECo JLT Romania 0.39 99.61 11.50 5.68 5.82 79.53 66.93 12.60
29 GT Broker 0.05 99.95 4.09 3.93 0.16 93.78 8.24 85.54
30 HOBBIT Broker 0.47 99.53 22.69 18.65 4.04 54.70 36.06 18.64
31 INSIA Broker 0.28 99.72 10.55 8.68 1.87 51.44 32.05 19.39
32 INTER Broker 0.25 99.75 4.14 3.71 0.43 92.83 6.83 86.00
33 KUNDEN Broker 88.06 11.94 2.37 2.37 - 7.28 1.49 5.79
34 LACOLI Broker 0.06 99.94 4.12 3.99 0.13 90.99 13.89 77.10
35 LEADER TEAM - 100.00 8.77 8.13 0.64 82.03 48.66 33.37
36 LION Broker 0.13 99.87 12.19 7.37 4.82 58.43 15.05 43.38
37 MAKLER-SIG 0.33 99.67 9.97 9.05 0.92 78.41 22.22 56.19
38 MAROSI Broker 0.04 99.96 3.91 3.90 0.01 87.41 2.74 84.67
39 MARSH Broker 3.17 96.83 43.25 33.71 9.55 34.74 22.32 12.42
40 MAXYGO Broker 0.83 99.17 8.75 8.07 0.68 86.69 13.57 73.12
41 MB EUROPA Broker 0.25 99.75 8.97 8.65 0.32 85.32 8.89 76.43
42 MEGA GROUP Broker - 100.00 36.51 13.66 22.85 52.62 13.89 38.73
43 MILLENIUM Insurance Broker 0.76 99.24 14.22 11.24 2.98 80.27 24.50 55.77
44 ORIZONT Broker 0.06 99.94 5.13 5.09 0.04 89.88 9.19 80.69
45 PIRAEUS Insurance Broker 14.94 85.06 30.68 29.91 0.77 33.64 25.17 8.47
Tabelul continuă pe pagina următoare / The table continues on the next page

46 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

ASIGURĂRI DE ASIGURĂRI DE ASIGURĂRI MIJLOACE DE ASIGURĂRI DE BUNURI ÎN ASIGURĂRI ASIGURĂRI ASIGURĂRI DE ASIGURĂRI DE ALTE CLASE DE
ACCIDENTE ŞI SĂNĂTATE TRANSPORT FEROVIAR, TRANZIT, INCLUSIV BUNURI DE CREDITE ŞI DE PIERDERI ASISTENŢĂ A RĂSPUNDERE ASIGURĂRI
BOALĂ AERIAN, NAVAL - ÎNSUMATE TRANSPORTATE, BAGAJE ŞI GARANŢII FINANCIARĂ PERSOANELOR CIVILĂ
ORICE ALTE BUNURI AFLATE ÎN GENERALĂ
DIFICULTATE
% % % % % % % % %
ACCIDENTS HEALTH RAIL TRANSPORT MEANS GOODS IN TRANSIT INSURANCE CREDIT AND FINANCIAL LOSS ASSISTANCE OF LIABILITY OTHERS
AND ILLNESS INSURANCE INSURANCE, AIRCRAFT INCLUDING CARGO, BAGGAGE WARRANTIES INSURANCE THE PERSONS INSURANCE
INSURANCE INSURANCE, SHIPS AND ANY OTHER GOODS INSURANCE IN DIFFICULTY
INSURANCE (OCEAN, TRANSPORTATION INSURANCE
INLAND) ADDED UP
% % % % % % % % %
0.23 - 0.07 0.14 0.00 0.05 - 0.76 -
0.01 - - - - - 0.08 0.26 -
0.31 0.85 2.30 0.57 18.09 0.52 0.35 17.56 0.09
0.10 - - - - - 3.02 3.20 -
0.25 0.04 0.03 0.05 1.61 0.16 0.71 1.19 -
0.14 - - 0.28 0.44 0.16 0.51 0.92 -
1.03 0.90 - 0.87 18.87 - - 7.12 -
0.39 0.69 - 1.88 8.00 0.23 0.44 6.09 -
0.24 0.01 15.19 0.16 0.92 0.04 0.92 3.09 0.05
0.77 - 0.10 0.64 0.47 0.06 0.73 2.63 -
0.27 0.04 - 2.72 4.80 0.01 1.85 0.99 -
0.90 - - 1.32 7.28 - - 0.30 -
0.70 0.01 0.01 0.02 0.20 0.02 0.57 0.36 -
0.96 0.16 0.12 0.04 1.15 0.07 1.07 0.75 0.02
0.54 - 0.76 0.55 1.08 0.18 0.37 0.76 0.46
0.15 0.00 - 0.01 - 0.10 0.84 0.39 -
0.71 0.45 0.06 0.01 - - - 1.93 -
0.02 - - - - - - 2.28 -
- 3.74 - 0.56 - - - 0.19 -
0.04 - 0.20 0.37 4.89 0.22 0.20 6.31 -
0.09 - - - 1.66 0.07 1.31 5.81 -
0.10 - - 0.02 - - 1.51 1.14 -
2.05 - 1.34 - 0.47 0.05 0.84 1.01 -
- - 31.37 0.92 - - - - 67.72
0.15 - - 0.40 1.58 0.00 0.76 1.38 -
0.42 0.16 - 0.81 0.06 0.03 2.38 6.67 -
2.34 0.50 - 1.27 - 18.67 - 7.11 -
0.09 2.11 0.03 0.05 1.01 0.17 0.07 5.04 0.01
0.12 0.03 - 0.93 0.05 - 0.57 0.37 -
- - - 0.08 - - 0.62 21.45 -
5.15 2.24 3.84 0.79 14.70 0.01 0.34 10.65 -
0.28 0.83 0.00 0.01 0.39 0.04 - 1.23 -
0.07 0.99 - 0.11 0.03 0.01 0.37 0.71 -
0.27 - - 0.49 1.09 0.22 0.31 2.45 -
1.23 0.11 - 0.89 0.72 0.03 0.45 5.78 -
1.74 - - 0.22 21.70 0.06 0.48 5.05 -
0.19 1.27 - 8.99 - - - 0.84 -
0.06 - - - 8.21 - 0.09 0.28 -
0.63 3.60 1.42 1.23 4.29 0.78 0.07 6.82 -
1.19 0.00 0.01 1.16 0.16 - 0.02 1.19 -
0.14 - - 1.83 0.15 0.09 1.22 1.97 0.07
- 4.06 - 2.83 1.94 - 0.51 1.53 -
0.27 0.19 0.01 0.07 0.84 0.07 0.85 2.46 -
0.08 0.94 - 1.57 0.93 0.03 - 1.37 -
18.59 - 0.84 0.11 0.62 0.02 - 0.56 -

Year XIII - no. 3/2015 (48) 47


S1 2015 ROMANIA

Structura portofoliului pe clase de asigurări şi companii de brokeraj


Breakdown of premiums per brokerage companies and insurance classes
Nr. Compania ASIGURĂRI DE ASIGURĂRI ASIGURĂRI DE TIP PROPERTY ASIGURĂRI AUTO
VIAŢĂ GENERALE
TOTAL TOTAL TOTAL INCENDII ŞI DAUNE LA TOTAL CASCO RCA
CALAMITĂŢI PROPRIETĂŢI
NATURALE
% % % % % % % %
No. Company LIFE NON-LIFE INSUR- PROPERTY MOTOR
INSURANCE ANCE
TOTAL TOTAL TOTAL FIRE AND DAMAGES TO TOTAL MOTOR HULL MOTOR THIRD
ALLIED PERILS PROPERTY PART LIABILITY

% % % % % % % %
46 PORSCHE Broker* 0.02 99.98 1.30 1.30 - 98.60 80.90 17.70
47 PRESTIGE Insurance Broker - 100.00 11.29 9.09 2.20 77.43 16.87 60.56
48 PROFESSIONAL Broker 0.08 99.92 7.46 6.23 1.23 88.36 9.48 78.87
49 RISK CONTROL 0.22 99.78 21.00 19.36 1.64 47.09 24.59 22.50
50 ROM INSURANCE Broker 0.48 99.52 8.45 1.81 6.63 85.24 15.23 70.01
51 SAFE INVEST Romania 35.43 64.57 6.67 2.74 3.93 56.07 4.28 51.79
52 SAFETY Broker 0.21 99.79 6.52 5.45 1.07 87.59 16.14 71.45
53 SIRIUS Broker 9.83 90.17 43.40 40.39 3.01 19.61 6.92 12.69
54 SIS Broker - 100.00 14.81 14.81 - 70.44 36.28 34.16
55 STAR Broker - 100.00 6.37 6.06 0.30 88.95 9.40 79.55
56 SUD ASIG Broker 0.52 99.48 4.29 4.18 0.11 92.35 8.20 84.15
57 TOTAL ASIG 0.87 99.13 25.30 25.30 - 61.74 28.94 32.81
58 TRANSILVANIA Broker 0.19 99.81 5.40 4.23 1.17 89.64 11.17 78.47
59 UNICREDIT Insurance Broker 0.34 99.66 8.84 3.00 5.84 86.21 67.85 18.37
60 UNIPET Broker 0.13 99.87 15.95 11.85 4.09 80.22 35.72 44.51
61 VERASIG Broker 0.05 99.95 38.81 32.97 5.85 30.49 17.98 12.51
% 1.73 98.27 13.21 9.13 4.08 76.00 21.11 54.88
TOTAL **
1H 2015

564.00 mil EUR 9.74 554.27 74.51 51.50 23.01 428.62 119.08 309.55
2,508.35 mil RON 43.32 2,465.04 331.39 229.05 102.34 1,906.25 529.58 1,376.68
% 2.11 97.89 14.06 10.02 4.05 76.36 25.16 51.20
TOTAL **
1H 2014

491.81 mil. EUR 10.38 481.43 69.16 49.26 19.90 375.54 123.72 251.82
2,195.70 mil. RON 46.35 2,149.36 308.78 219.91 88.87 1,676.61 552.37 1,124.24

* estimări / estimates

NEW 1H 2015 figures


n Gross Written Premium

32
Country
n Paid Claims

n Growth Rates

Profiles n Market portfolios

n Rankings
Quarterly
updates! n Market shares

48 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

ASIGURĂRI DE ASIGURĂRI DE ASIGURĂRI MIJLOACE DE ASIGURĂRI DE BUNURI ÎN ASIGURĂRI ASIGURĂRI ASIGURĂRI DE ASIGURĂRI DE ALTE CLASE DE
ACCIDENTE ŞI SĂNĂTATE TRANSPORT FEROVIAR, TRANZIT, INCLUSIV BUNURI DE CREDITE ŞI DE PIERDERI ASISTENŢĂ A RĂSPUNDERE ASIGURĂRI
BOALĂ AERIAN, NAVAL - ÎNSUMATE TRANSPORTATE, BAGAJE ŞI GARANŢII FINANCIARĂ PERSOANELOR CIVILĂ
ORICE ALTE BUNURI AFLATE ÎN GENERALĂ
DIFICULTATE
% % % % % % % % %
ACCIDENTS HEALTH RAIL TRANSPORT MEANS GOODS IN TRANSIT INSURANCE CREDIT AND FINANCIAL LOSS ASSISTANCE OF LIABILITY OTHERS
AND ILLNESS INSURANCE INSURANCE, AIRCRAFT INCLUDING CARGO, BAGGAGE WARRANTIES INSURANCE THE PERSONS INSURANCE
INSURANCE INSURANCE, SHIPS AND ANY OTHER GOODS INSURANCE IN DIFFICULTY
INSURANCE (OCEAN, TRANSPORTATION INSURANCE
INLAND) ADDED UP
% % % % % % % % %
- - - 0.05 - - 0.00 0.03 -
0.60 0.68 0.01 0.23 6.19 0.01 - 3.57 -
0.38 1.02 0.01 1.22 0.22 0.03 - 1.24 -
0.50 0.34 0.06 0.30 17.28 0.78 0.15 12.29 -
0.14 0.01 - 1.72 0.21 0.10 1.84 1.81 -
0.24 - 0.72 - 0.01 - - 0.86 -
0.23 0.03 0.04 1.11 1.22 0.05 0.88 1.77 0.36
1.11 0.21 0.04 1.65 10.83 - 0.33 12.99 -
0.50 0.44 - 10.81 - - - 3.00 -
0.38 0.06 - 0.01 0.66 0.03 0.87 2.68 -
0.34 - - - 0.22 - 0.45 1.84 -
0.37 0.48 - 0.70 1.31 - 3.97 5.25 -
0.39 0.18 0.04 0.07 1.66 0.09 1.13 1.22 -
0.02 - 0.15 0.05 0.12 3.23 0.64 0.39 -
0.26 0.63 - 0.81 - - - 2.00 -
0.45 1.27 14.53 1.78 2.72 0.68 1.32 6.54 1.35
0.65 0.67 0.57 0.55 2.07 0.76 0.54 3.00 0.26
3.69 3.79 3.19 3.13 11.68 4.27 3.03 16.90 1.45
16.41 16.87 14.20 13.91 51.96 18.98 13.47 75.16 6.43
0.34 0.66 0.39 0.63 1.26 0.45 0.57 2.89 0.28
1.67 3.26 1.93 3.08 6.18 2.19 2.81 14.22 1.39
7.45 14.54 8.64 13.75 27.59 9.78 12.54 63.50 6.19

www.xprimm.com MOTOR Insurance Report


Insurance in figures

INSURANCE PROFILE year XI


- issue
1/2013

March
2013
(38)

PROPERTY Insurance Report


XPRIMM
by Media

IA
le.ro
ceprofi

ROMÂN
nsuran
www.i

XPRIMM
by Media

XPRIMM Insurance Report


2011
November

Special iSSUe
VA
OF MOLDO
by Media XPRIMM
m.md
www.xprimm.com www.xprim

REPUBLIC
September 2011

BULGARIA

Insurance in 32 countries

2012
1H 2011: Market Overview
SPECIAL ISSUE
www.xprimm.com October 2013

AR E
ELI MIN
MACEDONIA ATE PR RES ULT S
REZ ULT Y
MIN AR
PR ELI

2007-2011: Before and after crisis


Market
Overview
RESULTS
PRELIMINARY

FY2012
1H2013

Year XIII - no. 3/2015 (48)


www.xprimmpublications.com
49
S1 2015 ROMANIA

Structura portofoliului de prime intermediate, după companiile de asigurare


care au subscris riscurile
Portfolio of mediated premiums of the companies that underwrote the risks

CREDIT EUROPE Asigurări

GROUPAMA Asigurări

METROPOLITAN Life
GENERALI România
GARANTA Asigurări

GOTHAER Asigurări
EUROINS România

GRAWE România
Nr. Compania

OTHER COMPANY
CARPATICA Asig.

UNIQA Asigurări
ASTRA Asigurări
ALLIANZ-ŢIRIAC

CITY Insurance

FATA Asigurări

SIGNAL IDUNA
OMNIASIG VIG
ABC Asigurări

No. Company ASIROM VIG

CERTASIG
1 AGROPROTECTOR 2010 - 0.05 0.68 1.40 1.16 - 0.82 - 2.28 88.38 - 0.43 0.17 - 0.31 - 4.20 - 0.12 -
Asigurari
2 APRIL Broker 0.45 25.05 3.59 5.84 10.84 - 5.49 2.84 9.77 - 0.71 13.97 2.95 - 10.26 - 7.02 - 0.66 0.56
3 ARPEMIX-CONSULT - 4.20 3.18 13.91 14.71 3.95 11.69 2.80 23.42 - - 3.91 1.62 - 9.03 - 3.98 - 3.60 -
4 ASIFORT Broker - 8.06 3.96 10.18 8.18 - 5.41 7.43 17.12 - - 10.74 1.54 - 9.86 - 13.49 - 3.87 0.16
5 ASIG MANAGEMENT - 69.80 0.21 0.02 - 15.37 10.22 - - - - 0.62 0.41 - 1.58 - 1.00 - - 0.77
6 ASIGEST Broker 0.43 16.48 4.56 4.74 2.82 7.24 4.41 0.28 7.31 0.22 0.01 11.26 2.78 - 10.84 - 18.74 0.52 3.45 3.91
7 ATLANTIC Broker Group - 8.10 3.60 11.70 10.90 3.10 6.40 1.40 23.50 - - 2.80 0.70 - 5.80 - 20.00 - 2.00 -
8 CAMPION Broker 0.35 5.73 8.61 14.23 18.03 0.35 9.40 0.87 21.05 0.10 0.21 2.36 1.42 0.22 5.72 0.02 8.56 - 2.18 0.59
9 CONDOR Broker 5.14 2.77 5.94 14.30 10.23 - 6.54 0.18 20.05 - - 5.95 6.78 - 6.97 - 7.99 - 7.05 0.11
10 CONFISIO Broker - 3.33 18.49 2.75 1.71 - 6.02 0.33 6.85 0.45 - 1.81 10.77 - 3.04 - 32.51 - 11.94 -
11 DAW MANAGEMENT - 1.80 4.37 16.79 22.28 0.03 16.20 0.10 26.93 0.03 0.04 0.66 0.24 - 2.39 - 6.70 - 1.42 0.02
12 DESTINE Broker 0.32 4.44 5.34 13.91 18.02 1.27 12.50 1.33 22.42 0.05 0.05 3.44 0.62 0.03 5.15 0.59 8.43 0.00 1.56 0.54
13 DEXASIG Broker 0.70 6.97 4.40 11.91 7.27 0.77 17.50 0.24 16.08 2.01 - 5.25 0.90 - 7.60 - 15.67 - 2.04 0.69
14 DIREKTASIG FILADELFIA Broker - 4.00 11.00 11.00 13.00 - 8.00 1.00 22.00 - - 1.00 4.00 - 7.50 - 7.50 - 10.00 -
15 DOMAS Broker - 1.41 7.23 20.13 23.26 - 10.11 0.05 31.87 - - 1.04 0.20 - 1.52 - 3.17 - - -
16 EPM Romania - 1.59 24.12 8.79 3.78 - 2.51 - 6.53 - - 31.71 0.02 16.42 0.62 - 1.60 - 2.31 -
17 EURIAL Broker - 16.00 8.85 12.59 - - - - - - 0.91 1.94 0.16 - 30.95 - 21.77 - 6.83 -
18 EUROGROUP - 9.32 14.00 6.50 2.68 0.28 2.16 0.21 6.77 0.87 0.70 1.88 5.36 - 6.87 - 31.95 - 0.76 9.69
19 EXA Broker 0.08 6.90 7.40 20.05 15.52 - 8.46 0.09 20.28 - - 1.96 0.23 - 6.82 - 6.63 - 5.21 0.37
20 EXPRESS Broker - 3.33 8.23 2.17 15.03 - - - 8.91 - - 3.18 - - 51.34 - 1.59 - 6.21 0.01
21 FABRICA DE ASIGURARI - 15.33 9.24 4.54 10.78 0.25 3.67 1.11 8.96 0.11 - 1.65 4.48 0.25 2.20 - 16.95 - 3.13 17.35
22 FAIRWAY Broker - - - 7.05 - 56.55 - - - - - - - - - - - - - 36.40
23 GLOBAL ASSISTANCE - 14.20 5.10 14.20 7.50 2.10 3.20 - 11.80 - - 2.50 3.10 - 14.80 - 20.10 - 1.30 0.10
24 GLOBASIG 2002 Broker 0.32 5.90 5.56 16.74 19.74 0.07 5.93 0.14 18.27 - - 1.90 1.23 - 13.98 - 8.21 - 1.80 0.21
25 GRAS SAVOYE Romania - 15.00 5.00 3.00 - 0.20 0.30 0.10 1.00 - - 11.00 4.00 - 16.00 1.00 9.00 - 13.00 21.40
26 GT Broker - 6.16 6.30 18.95 14.17 0.04 9.63 - 24.81 - - 0.85 0.09 - 7.85 - 5.72 - 5.37 0.06
27 HOBBIT Broker - 22.15 6.70 4.50 5.10 - 0.10 - 6.55 - 13.10 - 2.80 - 4.00 - 32.70 - 2.30 -
28 INSIA Broker - 16.00 4.00 4.00 2.00 17.00 4.00 0.20 1.00 - - 8.00 5.00 - 5.00 - 24.00 - 6.00 3.80
29 INTER Broker - 4.00 6.00 15.00 21.00 1.00 8.00 - 29.00 - - 1.00 1.00 - 5.00 - 7.00 - 2.00 -
30 KUNDEN Broker - 2.29 0.95 0.93 1.00 - 0.65 0.36 1.60 0.07 1.41 2.12 0.29 - 1.77 83.49 2.86 - 0.21 -

50 Anul XIII - Numărul 3/2015 (48)


1H 2015 ROMANIA

Rubrică susținută de / Column supported by

CREDIT EUROPE Asigurări

GROUPAMA Asigurări

METROPOLITAN Life
GENERALI România
GARANTA Asigurări

GOTHAER Asigurări
EUROINS România

GRAWE România
Nr. Compania

OTHER COMPANY
CARPATICA Asig.

UNIQA Asigurări
ASTRA Asigurări
ALLIANZ-ŢIRIAC

CITY Insurance

FATA Asigurări

SIGNAL IDUNA
OMNIASIG VIG
ABC Asigurări

No. Company ASIROM VIG

CERTASIG
31 LACOLI Broker - 4.50 6.90 - 22.15 0.85 16.70 0.35 25.65 - - 1.30 1.90 - 7.95 - 8.55 - 3.20 -
32 LEADER TEAM - 29.92 4.06 4.97 2.73 5.51 5.62 5.00 7.58 - 0.03 10.95 1.59 - 15.15 - 4.08 - 1.32 1.49
33 LION Broker 0.52 7.46 - 11.27 7.54 6.44 16.68 0.05 12.79 - - 6.83 0.22 - 5.88 - 10.25 0.02 1.25 12.80
34 MAKLER-SIG - 17.01 9.35 16.11 19.86 - 1.34 - 4.91 - - 6.29 - - 11.02 - 13.60 - 0.51 -
35 MAROSI Broker - 2.50 5.00 7.50 7.00 - 23.00 3.00 37.00 - - 0.50 - - 2.50 - 3.00 - 9.00 -
36 MAXYGO Broker - 7.48 5.40 15.35 12.92 0.21 11.27 1.68 21.81 0.18 0.08 2.69 0.93 - 7.15 0.40 10.82 - 1.63 -
37 MB EUROPA Broker - 4.94 2.39 15.95 13.42 0.29 7.69 0.95 25.91 0.71 - 1.17 1.52 - 5.44 - 15.58 - 3.87 0.17
38 MEGA GROUP Broker - 6.89 7.08 9.87 5.20 0.05 4.26 - 12.08 - - 2.35 27.43 - 10.77 - 2.32 - 11.65 0.05
39 MILLENIUM Insurance Broker 0.21 12.73 6.66 9.33 11.22 0.39 8.32 1.47 14.87 0.75 0.30 4.28 4.81 0.04 10.73 0.03 10.62 - 2.45 0.80
40 ORIZONT Broker 0.02 5.73 5.82 16.97 15.71 0.03 11.00 4.09 24.10 - - 2.33 0.18 - 5.56 - 6.82 - 1.52 0.12
41 PIRAEUS Insurance Broker 0.00 4.18 6.56 15.22 0.41 0.82 0.81 0.02 0.45 0.01 17.40 7.74 3.44 - 3.39 4.99 12.43 0.00 11.62 10.50
42 PRESTIGE Insurance Broker 0.04 5.56 6.66 17.52 11.06 3.34 12.12 0.68 10.71 - 0.01 3.91 7.22 - 5.28 - 15.03 - - 0.86
43 PROFESSIONAL Broker 0.10 5.28 5.62 16.21 14.95 0.33 10.36 0.62 25.13 - - 2.70 0.56 - 6.88 - 7.96 - 3.26 0.04
44 RISK CONTROL - 31.25 3.76 2.40 2.70 0.97 2.91 0.67 5.90 - 0.69 5.47 7.50 9.27 7.92 - 13.87 - 1.06 3.66
45 ROM INSURANCE Broker 0.01 6.41 3.50 12.06 11.92 0.11 9.10 0.58 22.55 0.43 - 12.10 0.12 - 6.08 - 12.70 - 2.33 -
46 SAFE INVEST Romania - 4.19 17.00 13.24 9.86 0.72 6.51 - 11.76 - - 5.62 0.18 19.19 4.31 - 6.15 - 1.27 -
47 SIRIUS Broker 1.00 22.00 2.00 - 1.00 20.00 16.00 1.00 3.00 - - 27.00 2.00 - 3.00 - 1.00 - 1.00 -
48 SIS Broker - 5.11 8.06 3.75 1.44 - - - - - - 3.11 - - 23.73 - 10.68 - 44.12 -
49 STAR Broker 0.04 6.01 4.56 15.77 14.03 0.68 13.53 0.84 26.76 0.04 - 1.58 0.60 - 4.41 - 8.11 - 3.02 0.02
50 TOTAL ASIG - 18.69 4.69 5.61 9.31 - 8.86 - 7.77 - - 5.10 1.12 - 21.32 - 13.43 - 3.66 0.44
51 TRANSILVANIA Broker 0.12 4.85 5.83 14.64 17.60 0.99 11.89 0.48 24.11 0.03 0.04 1.79 0.87 - 4.51 0.01 9.52 - 2.23 0.49
52 UNIPET Broker - 22.27 6.00 9.59 11.15 0.40 6.40 - 10.82 - - 14.68 2.60 - 12.90 - 3.06 - - 0.13
53 VERASIG Broker - 4.37 5.12 4.37 1.55 0.58 4.90 0.21 8.82 - - 4.54 6.31 - 14.21 - 24.04 - 0.06 20.92

LEGENDĂ/LEGEND
Nespecificat
<5% 5 - 15% 15 - 25% 25 - 35% 35 - 45% >45%
Non-specified

Year XIII - no. 3/2015 (48) 51


S1 2015 ROMANIA

Venituri (mil. RON) | Incomes (RON m.) Portofoliu în funcţie de tipul clienţilor |
Customers portfolio

Nr. Compania Venituri din Venituri din Venituri din Venituri din Nr. Compania Clienţi Din care, Clienţi Din care,
activitatea de negocierea regularizări alte activităti persoane asigurări asociate persoane asigurări asociate
brokeraj - total, contractelor în caz de în legătură cu juridice operaţiunilor de fizice operaţiunilor de
din care: de asigurare şi daună obiectul de leasing leasing
reasigurare activitate No. Company Legal Of which, Natural Of which, insurances
No. Company from insurance Incomes from Incomes Incomes from persons ­insurances persons relatated with
brokerage insurance and from loss other activities relatate with leasing ­operations
activity - total, reinsurance settlements in connection leasing ­operations
out of which contracts with the object
negotiation of activity 1 ASIGEST Broker 76.00 - 24.00 -
1 ACTIV Asigurari 2.62 2.62 - - 2 CAMPION Broker 44.00 - 56.00 -
2 AON Romania 7.06 6.43 - 0.62
3 CONDOR Broker 50.00 - 50.00 -
3 APRIL Broker 2.44 0.11 2.15 0.06
4 ASIFORT Broker 0.49 0.49 - - 4 ONFISIO Broker 20.00 - 80.00 -
5 ASIG MANAGEMENT 0.50 0.50 - 0.00 5 DESTINE Broker 20.00 2.00 80.00 2.00
6 ASIGEST Broker 3.51 3.51 - - DIREKTASIG
7 ATLANTIC Broker Group 1.69 1.69 - - 6 45.00 - 55.00 -
FILADELFIA Broker
8 AVUS International 5.02 - 5.02 - 7 EPM Romania 35.00 - 65.00 -
9 CAMPION Broker 13.44 13.44 - -
10 CONDOR Broker 0.21 0.21 - - 8 EURIAL Broker 50.00 75.00 50.00 14.00
11 CONFISIO Broker 0.34 0.34 - - 9 EUROGROUP 80.00 15.00 20.00 5.00
12 DAW MANAGEMENT 18.41 18.41 - - 10 EXA Broker 40.00 - 60.00 -
13 DESTINE Broker 23.35 23.01 - 0.34
14 DEXASIG Broker 3.21 3.21 0.00 - 11 FAIRWAY Broker 100.00 - - -
DIREKTASIG FILADELFIA 12 GLOBAL ASSISTANCE 61.57 - 38.43 -
15 0.66 0.66 - -
Broker
13 GLOBASIG 2002 Broker 40.00 - 60.00 -
16 DOMAS Broker 6.61 6.61 - -
17 EPM Romania 0.34 0.34 - - 14 GRAS SAVOYE Romania 99.00 - 1.00 -
18 EURIAL Broker 0.53 0.53 - - 15 GT Broker 40.00 - 60.00 -
19 EUROGROUP 0.40 0.39 - 0.01
20 EXA Broker 1.68 1.68 - - 16 HOBBIT Broker 95.00 - 5.00 -
21 FABRICA DE ASIGURARI 0.34 0.34 - - 17 INSIA Broker 64.00 - 36.00 -
22 FAIRWAY Broker 0.97 0.97 - - 18 INTER Broker 30.00 - 70.00 -
23 GLOBAL ASSISTANCE 1.56 1.55 - 0.00
24 GLOBASIG 2002 Broker 4.08 4.08 - - 19 MAKLER-SIG 75.00 - 25.00 -
25 GT Broker 1.01 1.01 - - 20 MAROSI Broker 80.00 - 20.00 -
26 HOBBIT Broker 0.25 0.24 - 0.01
21 MAXYGO Broker 39.00 - 61.00 -
27 INTER Broker 12.72 12.72 - -
28 LACOLI Broker 1.86 1.86 - - 22 MB EUROPA Broker 30.00 - 70.00 -
29 LION Broker 1.51 - - - 23 MEGA GROUP Broker 75.00 - 25.00 -
30 MAKLER-SIG 0.09 0.09 0.00 -
24 ORIZONT Broker 40.00 - 60.00 -
31 MAROSI Broker 0.16 0.16 - -
32 MAXYGO Broker 5.69 5.69 - - PRESTIGE Insurance
25 20.00 5.00 80.00 1.00
33 MB EUROPA Broker 1.67 1.65 - 0.02 Broker
34 MEGA GROUP Broker 0.34 0.34 - 0.01 26 PROFESSIONAL Broker 65.00 2.00 35.00 -
35 ORIZONT Broker 2.22 2.22 - 0.00
ROM INSURANCE
36 PIRAEUS Insurance Broker 5.07 5.07 - - 27 40.00 - 60.00 -
Broker
37 PRESTIGE Insurance Broker 2.28 - - -
38 PROFESSIONAL Broker 6.91 6.91 - - 28 SAFE INVEST Romania 40.00 - 60.00 -
39 RISK CONTROL 1.49 1.48 - 0.01 29 SIRIUS Broker 58.00 - 42.00 -
40 ROM INSURANCE Broker 3.11 3.11 - -
41 SAFE INVEST Romania 0.62 0.62 - - 30 SIS Broker 89.47 - 10.53 -
42 SIRIUS Broker 0.50 0.50 - - 31 STAR Broker 24.00 - 76.00 -
43 SIS Broker 0.31 0.31 - - 32 SUD ASIG Broker 30.00 - 70.00 -
44 STAR Broker 4.21 4.21 - 0.00
45 SUD ASIG Broker 1.61 1.61 - - 33 UNIPET Broker 20.00 - 80.00 -
46 TOTAL ASIG 0.10 0.10 - - 34 VERASIG Broker 81.00 - 19.00 -
47 VERASIG Broker 1.01 1.01 0.01 -

52 Anul XIII - Numărul 3/2015 (48)


2016
6th Edition
International
Insurance
Forum

April 19th-20th, 2015 Pera Palace, Istanbul

A highly informative event in a two


days business trip to Istanbul!
Join your professional peers from all
around Europe and CIS countries!

Organizers
Keynote
speaker
Jean ZENNERS
President of the
Council of Bureaux

www.internationalinsuranceforum.com