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
  Gross direct amount
(€ million) 31.12.2012 31.12.2011
Up to 1 year 12.320 12.736
Between 1 and 5 years 12.268 12.464
Between 6 and 10 years 4.377 4.131
Between 11 and 20 years 3.600 3.472
More than 20 years 0 0
Total 32.565 32.803
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FY12 technical reserves67.03 KB