Datamonitor Insurance in France

Insurance in France
Industry Profile
Reference Code: 0164-2087

Publication date: October 2007
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France - Insurance
© Datamonitor (Published October 2007) Page 2
EXECUTIVE SUMMARY
EXECUTIVE SUMMARY
Market Value
The French insurance market grew by 12.3% in 2006 to reach a value of $251.9
billion.
Market Value Forecast
In 2011, the market is forecast to have a value of $451.6 billion, an increase of 79.3%
since 2006.
Market Segmentation I
Life insurance accounts for 71.9% of gross premiums written within the market.
Market Segmentation II
France accounts for 20.2% of gross premiums written within the European insurance
market.
France - Insurance
CONTENTS
TABLE OF CONTENTS
EXECUTIVE SUMMARY 3
CHAPTER 1 Market Overview 7
1.1 Market Definition 7
1.2 Research Highlights 7
1.3 Market Analysis 8
CHAPTER 2 Market Value 9
CHAPTER 3 Market Segmentation I 10
CHAPTER 4 Market Segmentation II 11
CHAPTER 5 Competitive Landscape 12
CHAPTER 6 Leading Companies 14
6.1 AXA 14
6.2 CNP Assurances SA 17
6.3 Predica 19
CHAPTER 7 Market Forecasts 20
7.1 Market Value Forecast 20
CHAPTER 8 Macroeconomic Indicators 21
France - Insurance
CONTENTS
CHAPTER 9 Appendix 23
9.1 Methodology 23
9.2 Industry Associations 24
9.3 Related Datamonitor Research 24
France - Insurance
CONTENTS
LIST OF TABLES
Table 1: France Insurance Market Value: $ billion, 2002-2006 .........................................9
Table 2: France Insurance Market Segmentation I: % Share, by Value, 2006................10
Table 3: France Insurance Market Segmentation II: % Share, by Value, 2006...............11
Table 4: Key Facts: AXA ................................................................................................14
Table 5: Key Financials: AXA .........................................................................................16
Table 6: Key Facts: CNP Assurances SA.......................................................................17
Table 7: Key Financials: CNP Assurances SA................................................................18
Table 8: Key Facts: Predica............................................................................................19
Table 9: France Insurance Market Value Forecast: $ billion, 2006-2011 ........................20
Table 10: France Size of Population (million) , 2002-2006 ...............................................21
Table 11: France GDP (1995=100), 2002-2006 ...............................................................21
Table 12: France Inflation, 2002-2006 ..............................................................................21
Table 13: France Exchange Rate, 2002 ...........................................................................22
France - Insurance
MARKET OVERVIEW
CHAPTER 1 MARKET OVERVIEW
1.1 Market Definition
The insurance industry consists of the non-life insurance sector and the life insurance
sector. The value of the market is shown in terms of gross premium incomes. The life
insurance market consists of mortality protection and retirement savings plans. The
non-life insurance market consists of accident and health, and property and casualty
insurance segments. The insurance market depends on a variety of economic and
non-economic factors, and future performance is difficult to predict. The forecast
given in this report is not based on a complex economic model, but is intended as a
rough guide to the direction in which the market is likely to move. This forecast is
based on a correlation between past market growth and growth of base drivers, such
as house price growth, GDP growth and long-term interest rates. All currency
conversions have been calculated at constant 2006 annual average exchange rates.
Europe comprises Belgium, the Czech Republic, Denmark, France, Germany,

Hungary, Italy, Netherlands, Norway, Poland, Russia, Spain, Sweden and the UK.
1.2 Research Highlights
Gross written premiums (GWP) in the French insurance market reached a value of
$251.9 billion in 2006, this representing a compound annual growth rate (CAGR) of
10.9% for the period spanning 2002-2006.
The life insurance segment was the market's most lucrative in 2006, generating total
GWP of $181.2 billion, equivalent to 71.9% of the market's overall value.
The performance of the market is forecast to accelerate, with an anticipated CAGR of

12.4% for the five-year period 2006-2011 expected to drive the market to a value of
$451.6 billion by the end of 2011.
France - Insurance
MARKET OVERVIEW
1.3 Market Analysis
Gross written premiums (GWP) in the French insurance market reached a value of
$251.9 billion in 2006, this representing a compound annual growth rate (CAGR) of
10.9% for the period spanning 2002-2006. In comparison, the United Kingdom and
Italian markets grew with CAGRs of 6.3% and 5.4% over the same period, to reach
respective values of $370 billion and $136.6 billion in 2006.
The life insurance segment was the market's most lucrative in 2006, generating total
GWP of $181.2 billion, equivalent to 71.9% of the market's overall value. The non-life
insurance segment contributed GWP of $70.7 billion in 2006, equating to the
remaining 28.1% of the market's aggregate value.
The performance of the market is forecast to accelerate, with an anticipated CAGR of

12.4% for the five-year period 2006-2011 expected to drive the market to a value of
$451.6 billion by the end of 2011. Comparatively the United Kingdom and Italian
markets will grow with CAGRs of 4.5% and 2.3% over the same period, to reach
respective values of $461.7 billion and $153.1 billion in 2011.
France - Insurance
MARKET VALUE
CHAPTER 2 MARKET VALUE
The French insurance market grew by 12.3% in 2006 to reach a value of $251.9
billion.
The compound annual growth rate of the market in the period 2002-2006 was 10.9%.
Table 1: France Insurance Market Value: $ billion, 2002-2006
Year $ billion € billion % Growth
2002 166.7 134.1

2003 182.0 146.5 9.20%
2004 201.7 162.2 10.80%
2005 224.3 180.5 11.20%
2006 251.9 202.6 12.30%
CAGR, 2002-2006: 10.9%
Source: Datamonitor DATAMONITOR
Figure 1: France Insurance Market Value: $ billion, 2002-2006
$ billion % Growth
300 14.0%
250 12.0%
10.0%
200
% Growth
$ billion
8.0%
150
6.0%
100
4.0%
50 2.0%
0 0.0%
2002 2003 2004 2005 2006
France - Insurance
MARKET SEGMENTATION I
CHAPTER 3 MARKET SEGMENTATION I
Life insurance accounts for 71.9% of gross premiums written within the French
insurance market.
Non-life insurance accounts for the remaining 28.1% of gross premiums written.
Table 2: France Insurance Market Segmentation I: % Share, by Value,

2006
Category % Share
Life 71.90%
Non-Life 28.10%
Total 100.0%
Figure 2: France Insurance Market Segmentation I: % Share, by Value,

2006
Non-Life
28.1%
Life
71.9%
France - Insurance
MARKET SEGMENTATION II
CHAPTER 4 MARKET SEGMENTATION II
France accounts for 20.2% of gross premiums written within the European insurance
market.
In comparison, the United Kingdom generates a further 29.7% of European gross

premiums written.
Table 3: France Insurance Market Segmentation II: % Share, by Value,

2006
Geography % Share
United Kingdom 29.70%

Rest of Europe 22.40%
France 20.20%
Germany 16.60%
Italy 11.00%
Total 100.0%
Figure 3: France Insurance Market Segmentation II: % Share, by Value,

2006
Italy
11% United
Kingdom
29.7%
Germany
16.6%
France
Rest of Europe
20.2%
22.4%
France - Insurance
FIVE FORCES ANALYSIS
CHAPTER 5 COMPETITIVE LANDSCAPE
Buyer power in this market is moderate. There are many individual consumers in this
market which diminishes buyer power as the impact of losing one customer is
negligible. However business insurance is also essential for companies to protect
against risks. Customers are not loyal in this market and are willing to shop around
for the best deal and many customers also risk not being covered. Suppliers to the
insurance industry include ICT manufacturers and providers of back-office
outsourcing services.
Insurance companies are reliant upon a secure ICT infrastructure and certain
systems that allow them to carry out their day to day business. As companies are
often reliant on one large manufacturer, supplier power is assessed as strong. Overall
there are few real substitutes to insurance and the threat is determined as weak.
Finally rivalry in the market is viewed as moderate, with leading players in this market
made up of large companies offering similar products that often also have a wide
geographical presence.
There are many individual consumers in this market which diminishes buyer power as
the impact of losing one customer is negligible. However business insurance is also
essential for companies to protect against risks; the loss of business customers has a
larger impact on the insurance firms. In terms of life insurance companies can use
group life insurance to cover their employees or corporate-owned life insurance
(COLI). COLI was originally purchased by a company to hedge against the financial
cost of losing key employees to unexpected death, the risk of recruiting and training
replacements, or to fund corporate obligations upon the death of an owner.
Insurance has high importance to the customer, some types such as car insurance
are more important than others, but many people in the market risk not being
covered. Customers are not loyal in this market and are willing to shop around for the
best deal as different rates and prices provided by insurance firms. Online aggregator
sites used in France allow customers to compare and contrast and will raise the
impact of switching costs. There are also insurance broker and consultants in the
market that shop around for the best deal for customers, which increases power
buyer. Overall buyer power is assessed as moderate.
Suppliers to the insurance industry include ICT manufacturers and providers of back-
office outsourcing services. Specialized computer systems are needed for certain
insurance companies. For example, underwriters use computer applications known
as "smart systems" to manage risks. A secure and reliable ICT infrastructure is
essential and companies are often reliant on one supplier, often large companies
such as IBM. A disincentive to switch is the fact that employers are reluctant to spend
the money on training staff on new systems.
France - Insurance
FIVE FORCES ANALYSIS
Furthermore, although insurance companies will maintain their own IT departments,

there is little likelihood of significant backward integration, which further strengthens
suppliers (although it is equally unlikely that suppliers would attempt to integrate
forwards into insurance services). In order to reduce costs and increase operational
efficiency, many insurance companies are outsourcing back-office processing tasks
to offshore companies. The nature of outsourcing is such that switching would
interrupt operations therefore incurring significant switching costs. Overall supplier
power with respect to the insurance market is strong.
The French insurance market has grown fairly strongly in recent years with the threat
of new entrants assessed as moderate. Government regulation of the industry is fairly
high with regulatory bodies such as France’s Autorité des marchés financiers in
existence. However the industry is not as regulated as other financial services. Entry
to the market as a well developed insurance company is capital intensive and players
need to ensure some level of integration if entry to the market is to be a success.
Insurance is a highly complex financial service, encompassing a large degree of
specialized knowledge for risk analysis which further raises the barriers to entry.
Some types of insurance, such as motor insurance, are compulsory, which negates
the threat to the market. Substitutes to life insurance can include savings and
investments including deposits, mutual funds and direct investments in equities and
bonds. Wills are also a way of accounting for risk and protecting family members after
death. These options could be a cheaper alternative to life insurance but savings do
not guarantee protection in the same way as life insurance, reducing the benefit of
this option. Overall there are few real substitutes to insurance and the threat is
assessed as weak.
The leading players in this market are large companies offering similar products
although some are also involved in banking and management services and often
pursue a number of insurance lines. However some companies will not expand into
certain types of insurance. For example, big brand names will not set up personal
injury services because of the negative image of the service and the likelihood of poor
returns. Most companies in this market are large operators with a wide geographical
presence and strong buying power, which fosters moderate rivalry in the French
market.
France - Insurance
LEADING COMPANIES
CHAPTER 6 LEADING COMPANIES
6.1 AXA
Table 4: Key Facts: AXA
Address: AXA Group, 25 Avenue Matignon, 75008 Paris, FRA

Telephone: 33 1 4075 5700
Fax: 33 1 4075 5954
Website: www.axa.com
Financial Year-End: December
Ticker: AXA
Stock Exchange: New Yor
Source: Company Website DATAMONITOR
AXA Group (AXA) provides financial protection and wealth management services. It
is the holding company for a number of international companies that offer life
insurance, property and casualty insurance, and reinsurance products. Additionally,
the group is a leading asset management companies with total assets under
management (AUM) of about E1,063 million.
AXA operates through five business segments: life and savings, property and
casualty, international insurance, asset management, and other financial services.
The life and savings segment of the group provides a range of life and health
insurance products for both individuals and corporate clients. It principally offers
savings-related products, including separate account (unit-linked) products. The life
and savings-related products offered by AXA include term life, whole life, universal
life, endowment, deferred annuities, immediate annuities, variable life and other
investment-based products.
These products are offered in the US, Japan, Germany, the UK, Belgium, Spain, Italy
and Portugal. Additionally, the division also operates in Australia, New Zealand, the
Netherlands, Switzerland, Canada Turkey, Morocco and Hong Kong.
France - Insurance
LEADING COMPANIES
This division provides its products through a range of distribution channels, including
general agents, salaried sales forces, bank networks, financial advisors and brokers.
Life and savings operates through AXA's subsidiaries including AXA France Vie (in
France), AXA Sun Life (UK), AXA Lebensversicherung and AXA
Krankenversicherung (Germany), AXA Belgium (Belgium), AXA Aurora Vida and AXA
Aurora Iberica (Spain), AXA Assicurazioni e Investimenti (Italy), and AXA Seguros
Portugal (Portugal). In the US, the division operates through AXA Equitable Life
Insurance (and its insurance and distribution subsidiaries) and MONY Life Insurance.
AXA's subsidiaries, including AXA Group Life Insurance and AXA Life Insurance, are
engaged in life and savings products in Japan.
AXA's property and casualty segment is engaged in the provision of a range of

personal and commercial insurance products. These include automobile,
homeowners /household, property and general liability (for both personal and
commercial customers), and permanent health insurance.
The international insurance segment operates through the group's subsidiaries

including AXA RE and AXA Corporate Solutions Assurance. AXA RE conducts all the
reinsurance activities of the group focusing primarily on property and catastrophe
business. The AXA Corporate Solutions Assurance undertakes large risk insurance
activities including property & casualty insurance business for large corporate clients
in Europe.
AXA's asset management segment operates through its subsidiaries:

AllianceBernstein and AXA Investment Managers. These asset management
companies manage assets on the behalf of retail investors, private clients and
institutional clients.
The other financial services segment engages primarily in financial activities in

Belgium, Germany and France through AXA Bank Belgium, German Bank and AXA
Banque. AXA Bank Belgium is a subsidiary of AXA Belgium that offers a range of
financial services to individuals and small businesses.
AXA Banque also offers retail banking products including deposit and saving
accounts and consumer loans. AXA Banque had 550,000 registered customers at the
end of fiscal 2006. German Bank primarily offers asset management, pension
services, mortgage loans and mutual funds. The bank had approximately 70,000
clients by the end of fiscal 2006.
France - Insurance
LEADING COMPANIES
Key Metrics
Table 5: Key Financials: AXA
Metric 2002 2003 2004 2005 2006
Revenues 93,756.8 89,868.6 90,541.1 89,922.6 98,835.7

Net Income 1,190.7 1,260.9 4,758.9 5,417.6 6,379.9
Profit Margin 1.3% 1.4% 5.3% 6.0% 6.5%
Total Assets 557,892.4 563,633.7 631,943.6 722,650.3 912,832.6
Total Liabilities 545,058.5 593,641.4 589,433.3 673,357.3 849,889.0
Employees 78,142 74,584 76,427 76,339 78,800
Source: Company Filings DATAMONITOR
Figure 4: Revenues & Profitability: AXA
Revenues Net Income Profit Margin
120,000 7.0%
100,000 6.0%
Profit Margin (%)

5.0%
US$ Millions
80,000
4.0%
60,000
3.0%
40,000
2.0%
20,000 1.0%
0 0.0%
2002 2003 2004 2005 2006
Year
France - Insurance
LEADING COMPANIES
6.2 CNP Assurances SA
Table 6: Key Facts: CNP Assurances SA
Address: 4, place Raoul Dautry, 75716 Paris Cedex 15, FRA

Telephone: 33 1 42 18 88 88
Fax: 33 1 42 18 86 55
Website: www.cnp.fr
Ticker: CNPP
Stock Exchange: Paris
CNP Assurances is a personal insurance provider, which offers both life and non-life
insurance products and services. The company designs, develops, distributes and
manages savings, pension and personal risk products. It provides wide range of
products with comprehensive, innovative personal protection solutions for
professionals and the general public.
CNP distributes its products through two partners, La Banque Postale and the
Savings Banks, which together represent more than 20,000 outlets. The company
also operates its own financial advisor network, CNP Tresor. CNP is a partner to
about 250 financial institutions of all sizes in the company insurance business.
It also operates, in association with various mutual insurance companies, 22,000

local government offices and around 1,000 different companies. It primarily operates
in France, Brazil, Italy, Portugal, Argentina and China.
The company operates through three core business division: savings, pensions and
personal risks.
The savings business concerns products enabling policyholders to build up capital

which they can cash in. A key feature of these products is their sensitivity to changes
in interest rates.
The pensions business concerns products designed to enable policyholders to

receive an annuity or lump sum on retirement. The main risk associated with these
products concerns the probable annuity payment period.
The personal risk business includes products enabling policyholders to insure against
the risks of death, accident or illness, property damage or liability claims. The return
on these products depends on the occurrence of the insured risk.
France - Insurance
LEADING COMPANIES
Key Metrics
Table 7: Key Financials: CNP Assurances SA
Metric 2002 2003 2004 2005 2006
Revenues 28,466.9 34,150.5 37,664.8 48,946.7 55,583.9

Net Income 716.4 731.5 1,022.5 1,455.4 1,794.2
Profit Margin 2.5% 2.1% 2.7% 3.0% 3.2%
Total Assets 193,303.9 209,931.9 248,567.8 303,151.7 330,316.3
Total Liabilities 187,408.3 203,588.3 238,773.9 290,376.8 315,373.3
Employees 2,835 2,916 3,043 3,199 3,247
Figure 5: Revenues & Profitability: CNP Assurances SA
Revenues Net Income Profit Margin
60,000 3.5%
50,000 3.0%
Profit Margin (%)

2.5%
US$ Millions
40,000
2.0%
30,000
1.5%
20,000
1.0%
10,000 0.5%
0 0.0%
2002 2003 2004 2005 2006
Year
France - Insurance
LEADING COMPANIES
6.3 Predica
Table 8: Key Facts: Predica
Address: 50-56 Rue De La Procession, 75015 Paris, France

Telephone: 33 143235800
Fax: 33 143230347
Website: http://www.ca-predica.fr
Ticker: N/A
Stock Exchange: N/A
Predica Assurances De Personnes, originally the subsidiary of Crédit Agricole Group,

is one of the France’s leading insurers. The company offers savings, retirement,
wealth management services, asset transmission, disability insurance, health
insurance and more. Predica is responsible for piloting and managing life insurance
activities within the Crédit Agricole Group.
Key Metrics
The company’s assets under management were estimated 160 billion euros ($200.7
billion) at the end of 2006. It has around 220 employees.
France - Insurance
MARKET FORECASTS
CHAPTER 7 MARKET FORECASTS
7.1 Market Value Forecast
In 2011, the French insurance market is forecast to have a value of $451.6 billion, an
increase of 79.3% since 2006.
The compound annual growth rate of the market in the period 2006-2011 is predicted
to be 12.4%.
Table 9: France Insurance Market Value Forecast: $ billion, 2006-2011
Year $ billion € billion % Growth
2006 251.9 202.6 12.30%

2007 283.9 228.4 12.70%
2008 319.5 257.0 12.50%
2009 359.6 289.3 12.50%
2010 403.6 324.7 12.30%
2011 451.6 363.3 11.90%
CAGR, 2006-2011: 12.4%
Figure 6: France Insurance Market Value Forecast: $ billion, 2006-2011
$ billion % Growth
500 12.8%
450
12.6%
400
350 12.4%
% Growth
$ billion
300 12.2%
250
200 12.0%
150 11.8%
100
11.6%
50
0 11.4%
2006 2007 2008 2009 2010 2011
France - Insurance
MACROECONOMIC INDICATORS
CHAPTER 8 MACROECONOMIC INDICATORS
Table 10: France Size of Population (million) , 2002-2006
Year Population (million) % Growth
2002 59.9
2003 60.2 0.40%
2004 60.4 0.40%
2005 60.7 0.40%
2006 60.9 0.40%
Table 11: France GDP (1995=100), 2002-2006
Year 1995=100 % Growth
2002 109.0
2003 110.0 0.90%
2004 112.0 1.80%
2005 113.0 0.90%
2006 115.0 1.80%
Table 12: France Inflation, 2002-2006
Year Inflation Rate (%) % Growth
2002 2.3
2003 2.2 -6.30%
2004 1.5 -30.40%
2005 1.6 4.40%
2006 1.3 -14.90%
France - Insurance
MACROECONOMIC INDICATORS
Table 13: France Exchange Rate, 2002
Year Exchange Rate ($/€)
2002 0.94245
2003 1.12943
2004 1.24208
2005 1.24296
2006 1.24296
France - Insurance
APPENDIX
CHAPTER 9 APPENDIX
9.1 Methodology
Datamonitor Industry Profiles draw on extensive primary and secondary research, all
aggregated, analyzed, cross-checked and presented in a consistent and accessible
style.
Review of in-house databases – Created using 250,000+ industry interviews and

consumer surveys and supported by analysis from industry experts using highly
complex modeling & forecasting tools, Datamonitor’s in-house databases provide the
foundation for all related industry profiles
Preparatory research – We also maintain extensive in-house databases of news,

analyst commentary, company profiles and macroeconomic & demographic
information, which enable our researchers to build an accurate market overview
Definitions – Market definitions are standardized to allow comparison from country to

country. The parameters of each definition are carefully reviewed at the start of the
research process to ensure they match the requirements of both the market and our
clients
Extensive secondary research activities ensure we are always fully up-to-date with
the latest industry events and trends
Datamonitor aggregates and analyzes a number of secondary information sources,

including:
- National/Governmental statistics
- International data (official international sources)
- National and International trade associations
- Broker and analyst reports
- Company Annual Reports
- Business information libraries and databases
Modeling & forecasting tools – Datamonitor has developed powerful tools that
allow quantitative and qualitative data to be combined with related macroeconomic
and demographic drivers to create market models and forecasts, which can then be
refined according to specific competitive, regulatory and demand-related factors
Continuous quality control ensures that our processes and profiles remain focused,
accurate and up-to-date
France - Insurance
APPENDIX
9.2 Industry Associations
French Federation of Insurance Companies

26, boulevard Haussmann,
FR - 75311 Paris Cedex 09,
France
Tel: 33 1 4247 9000
Fax: 33 1 4247 9311
http://www.ffsa.fr
9.3 Related Datamonitor Research
Datamonitor Industry Profiles
Global Insurance
Insurance in Asia-Pacific
Insurance in Europe
Insurance in Germany
Insurance in the United Kingdom
Insurance in Italy
Insurance in Belgium
Insurance in the Netherlands
Insurance in Spain
Insurance in Sweden
Insurance in the Czech Republic
France - Insurance

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Market Value Forecast

CHAPTER 1 Market Overview 7

1.1 Market Definition 7

1.2 Research Highlights 7

1.3 Market Analysis 8

CHAPTER 2 Market Value 9

CHAPTER 3 Market Segmentation I 10

CHAPTER 4 Market Segmentation II 11

CHAPTER 5 Competitive Landscape 12

CHAPTER 6 Leading Companies 14

6.2 CNP Assurances SA 17

CHAPTER 7 Market Forecasts 20

7.1 Market Value Forecast 20

CHAPTER 8 Macroeconomic Indicators 21

9.2 Industry Associations 24

9.3 Related Datamonitor Research 24

Table 1: France Insurance Market Value: $ billion, 2002-2006 .........................................9

Table 2: France Insurance Market Segmentation I: % Share, by Value, 2006................10

Table 3: France Insurance Market Segmentation II: % Share, by Value, 2006...............11

Table 4: Key Facts: AXA ................................................................................................14

Table 5: Key Financials: AXA .........................................................................................16

Table 6: Key Facts: CNP Assurances SA.......................................................................17

Table 7: Key Financials: CNP Assurances SA................................................................18

Table 8: Key Facts: Predica............................................................................................19

Table 9: France Insurance Market Value Forecast: $ billion, 2006-2011 ........................20

Table 10: France Size of Population (million) , 2002-2006 ...............................................21

Table 11: France GDP (1995=100), 2002-2006 ...............................................................21

Table 12: France Inflation, 2002-2006 ..............................................................................21

Table 13: France Exchange Rate, 2002 ...........................................................................22

CHAPTER 1 MARKET OVERVIEW

1.1 Market Definition

Europe comprises Belgium, the Czech Republic, Denmark, France, Germany,

1.2 Research Highlights

The performance of the market is forecast to accelerate, with an anticipated CAGR of

1.3 Market Analysis

The performance of the market is forecast to accelerate, with an anticipated CAGR of

CHAPTER 2 MARKET VALUE

Table 1: France Insurance Market Value: $ billion, 2002-2006

Year $ billion € billion % Growth

2002 166.7 134.1

CAGR, 2002-2006: 10.9%

Source: Datamonitor DATAMONITOR

Figure 1: France Insurance Market Value: $ billion, 2002-2006

Source: Datamonitor DATAMONITOR

CHAPTER 3 MARKET SEGMENTATION I

Table 2: France Insurance Market Segmentation I: % Share, by Value,

Source: Datamonitor DATAMONITOR

Figure 2: France Insurance Market Segmentation I: % Share, by Value,

Source: Datamonitor DATAMONITOR

CHAPTER 4 MARKET SEGMENTATION II

In comparison, the United Kingdom generates a further 29.7% of European gross

Table 3: France Insurance Market Segmentation II: % Share, by Value,

United Kingdom 29.70%

Source: Datamonitor DATAMONITOR

Figure 3: France Insurance Market Segmentation II: % Share, by Value,

Source: Datamonitor DATAMONITOR

CHAPTER 5 COMPETITIVE LANDSCAPE

Furthermore, although insurance companies will maintain their own IT departments,