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Non-Life Insurance in Croatia, Key Trends and Opportunities to 2020

  • Key Facts and Highlights
    • Table Croatian Non-Life Insurance - Key Facts, 2015
    • Table Croatian Non-Life Insurance - Segment Shares of the Top Insurers, 2015
  • Executive Summary
  • Economy and Demographics
    • Table Croatian Government Credit Ratings
  • Segment Outlook
    • Regional Comparison
    • Segment Indicators
      • Gross written premium and penetration
        • Table Croatian Non-Life Insurance - Gross Written Premium (HRK Billion and US$ Billion), 2011-2015
        • Table Croatian Non-Life Insurance - Gross Written Premium (HRK Billion and US$ Billion), 2015-2020
        • Table Croatian Non-Life Insurance - Penetration (%), 2011-2015
        • Table Croatian Non-Life Insurance - Penetration (%), 2015-2020
        • Table Croatian Non-Life Insurance - Premium per Capita (HRK and US$), 2011-2015
        • Table Croatian Non-Life Insurance - Premium per Capita (HRK and US$), 2015-2020
      • Policies sold
        • Table Croatian Non-Life Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Croatian Non-Life Insurance - Number of Policies Sold (Million), 2015-2020
      • Claims
        • Table Croatian Non-Life Insurance - Paid Claims (HRK Billion and US$ Million), 2011-2015
        • Table Croatian Non-Life Insurance - Paid Claims (HRK Billion and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Non-Life Insurance - Profitability Ratio (%), 2011-2015
        • Table Croatian Non-Life Insurance - Profitability Ratio (%), 2015-2020
      • Assets and investments
        • Table Croatian Non-Life Insurance - Total Assets (HRK Billion and US$ Billion), 2011-2015
        • Table Croatian Non-Life Insurance - Total Assets (HRK Billion and US$ Billion), 2015-2020
        • Table Croatian Non-Life Insurance - Investment Portfolio (HRK Billion), 2011-2015
        • Table Croatian Non-Life Insurance - Investment Portfolio (HRK Billion), 2015-2020
  • Outlook by Category
    • Property Insurance
      • Product overview
      • Policies sold
        • Table Croatian Property Insurance - Number of Policies Sold by Sub-Category (Thousand), 2011-2015
        • Table Croatian Property Insurance - Number of Policies Sold by Sub-Category (Thousand), 2015-2020
      • Claims
        • Table Croatian Property Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Property Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Property Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Property Insurance - Loss Ratio (%), 2015-2020
    • Motor Insurance
      • Product overview
      • Policies sold
        • Table Croatian Motor Insurance - Number of Policies Sold by Sub-Category (Million), 2011-2015
        • Table Croatian Motor Insurance - Number of Policies Sold by Sub-Category (Million), 2015-2020
      • Claims
        • Table Croatian Motor Insurance - Paid Claims (HRK Billion and US$ Million), 2011-2015
        • Table Croatian Motor Insurance - Paid Claims (HRK Billion and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Motor Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Motor Insurance - Loss Ratio (%), 2015-2020
    • Liability Insurance
      • Product overview
      • Policies sold
        • Table Croatian Liability Insurance - Number of Policies Sold (Thousand), 2011-2015
        • Table Croatian Liability Insurance - Number of Policies Sold (Thousand), 2015-2020
      • Claims
        • Table Croatian Liability Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Liability Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Liability Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Liability Insurance - Loss Ratio (%), 2015-2020
    • Marine, Aviation and Transit Insurance
      • Product overview
        • Table Croatian Transport Network - Global Rankings
      • Policies sold
        • Table Croatian Marine, Aviation and Transit Insurance - Number of Policies Sold (Thousand), 2011-2015
        • Table Croatian Marine, Aviation and Transit Insurance - Number of Policies Sold (Thousand), 2015-2020
      • Claims
        • Table Croatian Marine, Aviation and Transit Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Marine, Aviation and Transit Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Marine, Aviation and Transit Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Marine, Aviation and Transit Insurance - Loss Ratio (%), 2015-2020
  • Distribution Channel Outlook
    • Analysis by Distribution Channel
      • Table Croatian Non-Life Insurance - Direct Written Premium by Distribution Channel (HRK Million), 2011-2015
      • Table Croatian Non-Life Insurance - Direct Written Premium by Distribution Channel (HRK Million), 2015-2020
      • Table Croatian Non-Life Insurance - Percentage of Direct Written Premium Ceded, by Distribution Channel, 2011-2020
      • Direct marketing
      • Agencies
      • Insurance brokers
      • Bancassurance
  • Natural and Man-made Hazards
    • Table Croatian Average Annual Loss by Hazard, 1990-2014
    • Flooding
    • Extreme Temperature
    • Droughts
    • Earthquakes
    • Storms
    • Air and Coastline Pollution
    • Wildfires
    • Exposure
  • Competitive Landscape
    • Table Croatian Non-Life Segment - Market Shares of Leading Insurers (%), 2015
    • Company Profiles
      • Croatia Osiguranje d.d. - company overview
        • Table Croatia Osiguranje d.d. - Key Facts
        • Table Croatia Osiguranje d.d. - Key Financials (HRK Million), 2011-2015
      • Euroherc osiguranje d.d. - company overview
        • Table Euroherc Osiguranje d.d. - Key Facts
        • Table Euroherc Osiguranje d.d. - Key Financials (HRK Million), 2011-2015
      • Allianz Zagreb d.d. - company overview
        • Table Allianz Zagreb d.d. - Key Facts
        • Table Allianz Zagreb d.d - Key Financials (HRK Million), 2011-2015
      • Jadransko Osiguranje d.d. - company overview
        • Table Jadransko osiguranje d.d. - Key Facts
        • Table Jadransko osiguranje d.d. - Key Financials (HRK Million), 2011-2015
      • Uniqa osiguranje d.d. - company overview
        • Table Uniqa osiguranje d.d. - Key Facts
        • Table Uniqa osiguranje d.d. - Key Financials (HRK Million), 2011-2015
  • Governance, Risk and Compliance
    • Table Croatia - Insurance Regulatory Framework Key Features
    • Legislation Overview and Historical Evolution
    • Latest Changes in Regulation
    • Legislation and Market Practice by Type of Insurance
      • Life insurance
        • Table Croatia - Life Insurance Regulatory Framework
      • Property insurance
        • Table Croatia - Property Insurance Regulatory Framework
      • Motor insurance
        • Table Croatia - Motor Insurance Regulatory Framework
      • Liability insurance
        • Table Croatia - Liability Insurance Regulatory Framework
      • Marine, aviation and transit insurance
      • Personal accident and health insurance
    • Compulsory Insurance
      • Personal accident insurance for passengers on public transport
      • Motor third-party liability insurance
      • Third-party liability insurance for boats and yachts
      • Health insurance
      • Unemployment insurance
      • Air carriers and aircraft operators insurance
        • Table Croatia - Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
      • Professional indemnity insurance for alternative investment fund managers
      • Professional indemnity insurance for insurance brokers and agencies
      • Clinical trials liability insurance
      • Liability insurance for oil pollution
    • Supervision and Control
      • International Association of Insurance Supervisors
      • European Insurance and Occupational Pensions Authority
      • Croatian Financial Services Supervisory Agency
      • Federation of European Risk Management Associations
    • Non-Admitted Insurance Regulation
      • Overview
      • Intermediaries
      • Market practices
      • Fines and penalties
    • Company Registration and Operations
      • Type of insurance organization
      • Establishing a local company
      • Foreign ownership
      • Types of license
      • Capital requirements
      • Solvency margin
      • Reserve requirements
      • Investment regulations
      • Statutory return requirements
      • Fee structure
    • Taxation
      • Insurance premium or policy taxation
        • Table Croatia - Parafiscal Taxes on Insurance Premium
      • Withholding taxes on premium paid overseas
      • Corporate tax
        • Table Croatia ¬ Corporate Tax Rates for Financial Year 2017
      • VAT
      • Captives
    • Legal System
      • Introduction
      • Access to court
      • Alternative dispute resolution
  • Databook
    • Policies and Premium
      • Table Croatian Insurance Industry - Policies and Premium, 2011-2015
      • Table Croatian Insurance Industry - Policies and Premium, 2015-2020
    • Claims and Expenses
      • Table Croatian Non-Life Insurance - Claims and Expenses, 2011-2015
      • Table Croatian Non-Life Insurance - Claims and Expenses, 2015-2020
    • Assets and Investments
      • Table Croatian Non-Life Insurance - Assets and Investments, 2011-2015
      • Table Croatian Non-Life Insurance - Assets and Investments, 2015-2020
    • Direct Marketing and E-Commerce
      • Table Croatian Non-Life Insurance - Direct Marketing and E-Commerce, 2011-2015
      • Table Croatian Non-Life Insurance - Direct Marketing and E-Commerce, 2015-2020
    • Insurance Brokers and Agencies
      • Table Croatian Non-Life Insurance - Insurance Brokers and Agencies, 2011-2015
      • Table Croatian Non-Life Insurance - Insurance Brokers and Agencies, 2015-2020
    • Bancassurance and Other Distribution Channels
      • Table Croatian Non-Life Insurance - Bancassurance and Other Distribution Channels, 2011-2015
      • Table Croatian Non-Life Insurance - Bancassurance and Other Distribution Channels, 2015-2020
    • Property Insurance
      • Table Croatian Non-Life Insurance - Property Insurance, 2011-2015
      • Table Croatian Non-Life Insurance - Property Insurance, 2015-2020
    • Property Insurance by Product
      • Table Croatian Non-Life Insurance - Property Insurance by Product, 2011-2015
      • Table Croatian Non-Life Insurance - Property Insurance by Product, 2015-2020
    • Motor Insurance
      • Table Croatian Non-Life Insurance - Motor Insurance, 2011-2015
      • Table Croatian Non-Life Insurance - Motor Insurance, 2015-2020
    • Motor Insurance by Product
      • Table Croatian Non-Life Insurance - Motor Insurance by Product, 2011-2015
      • Table Croatian Non-Life Insurance - Motor Insurance by Product, 2015-2020
    • Liability Insurance
      • Table Croatian Non-Life Insurance - Liability Insurance, 2011-2015
      • Table Croatian Non-Life Insurance - Liability Insurance, 2015-2020
    • Marine, Aviation and Transit Insurance
      • Table Croatian Non-Life Insurance - Marine, Aviation and Transit Insurance, 2011-2015
      • Table Croatian Non-Life Insurance - Marine, Aviation and Transit Insurance, 2015-2020
  • Definitions and Methodology
    • Definitions
      • Table Insurance Industry Definitions
    • Methodology
  • About Timetric
    • Contact Timetric
    • About Timetric
    • Timetric's Services
    • Disclaimer

Non-Life Insurance in Croatia, Key Trends and Opportunities to 2020

Synopsis

Timetric’s 'Non-Life Insurance in Croatia, Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the Croatian non-life insurance segment, and a comparison of the Croatian insurance industry with its regional counterparts.

It provides values for key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2011–2015) and forecast period (2015–2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Croatian economy and demographics, explains the various types of natural hazard and their impact on the Croatian insurance industry, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric’s research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric’s 'Non-Life Insurance in Croatia, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the Croatian non-life insurance segment, including:

  • The Croatian non-life insurance segment’s detailed outlook by product category
  • A comprehensive overview of the Croatian economy and demographics
  • A comparison of the Croatian insurance industry with its regional counterparts
  • The various distribution channels in the Croatian non-life insurance segment
  • Detailed analysis of natural hazards and their impact on the Croatian insurance industry
  • Details of the competitive landscape in the non-life insurance segment in Croatia
  • Details of regulatory policy applicable to the Croatian insurance industry
Scope

This report provides a comprehensive analysis of the non-life insurance segment in Croatia:
  • It provides historical values for the Croatian non-life insurance segment for the report’s 2011–2015 review period, and projected figures for the 2015–2020 forecast period.
  • It offers a detailed analysis of the key categories in the Croatian non-life insurance segment, and market forecasts to 2020.
  • It profiles the top non-life insurance companies in Croatia, and outlines the key regulations affecting them.
Reasons To Buy
  • Make strategic business decisions using in-depth historic and forecast market data related to the Croatian non-life insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Croatian non-life insurance segment.
  • Assess the competitive dynamics in the non-life insurance segment.
  • Identify growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the Croatian insurance industry, and their impact on companies and the industry's future.
Key Highlights
  • In June 2017, Croatia Osiguranje d.d. received approval from Hrvatska Agencija Za Nadzor Financijskih Usluga (HANFA) to merge with Croatia Zdravstveno d.d., the private health insurance unit of Croatia Osiguranje.
  • On January 1, 2016, Solvency II was implemented in Croatia.
  • Croatia permits 100% FDI in its insurance industry.
  • Motor third-party liability insurance is compulsory in the Croatian insurance industry.


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