Insurance provisions

Property&Casualty insurance provisions

(€ million)	31.12.2012	30.09.2012	31.12.2011
Net provisions for unearned premiums	5,960	5,939	5,661
Net provisions for outstanding claims	24,216	24,875	24,560
Other net provisions	404	422	382
Property&Casualty insurance provisions	30,581	31,236	30,604
of which Motor	13,348	14,129	13,602
of which Non Motor	17,233	17,108	17,002

The property&casualty reserving rate amounted to 145.9% substantially in line with the previous year.

	Direct insurance		Accepted insurance		Total
(€ million)	31.12.2012	31.12.2011	31.12.2012	31.12.2011	31.12.2012	31.12.2011
Non-life insurance provisions⁽¹⁾	32,970	33,189	1,506	1,460	34,475	34,649
Provisions for unearned premiums	6,417	6,154	168	137	6,586	6,291
Provisions for outstanding claims	26,148	26,650	1,331	1,319	27,480	27,969
Other insurance provisions	405	386	6	4	410	390
of which provisions for liability adequacy test	11	7	0	0	11	7

⁽¹⁾ After the elimination of intra-group transactions between segments.

Amounts ceded to reinsurers from insurance provisions

	Direct insurance		Accepted reinsurance		Total book value
(€ million)	31.12.2012	31.12.2011	31.12.2012	31.12.2011	31.12.2012	31.12.2011
Non-life amounts ceded to reinsurers from insurance provisions⁽¹⁾	2,865	3,031	1,030	1,015	3,895	4,046
Provisions for unearned premiums	527	516	98	113	626	630
Provisions for outstanding claims	2,332	2,510	932	898	3,263	3,408
Other insurance provisions	6	4	0	4	6	8

⁽¹⁾Life segment includes health insurance with life features

Provisions for outstanding claims

	Gross direct insurance
(€ million)	31.12.2012	31.12.2011
Motor	11,315	11,590
Non motor	14,833	15,059
Personal and commercial lines	12,391	12,305
Accident/Health⁽¹⁾	2,443	2,754
Total	26,148	26,650

⁽¹⁾ Life segment includes health insurance with life features

Non-life insurance provisions: maturity

Attachment	Size
FY12 technical reserves	67.03 KB

Interactive report