http://www.researchmoz.us/non-life-insurance-in-finland-key-trends-and-opportunities-to-2017-report.html The report provides in depth market analysis, information and insights into the Finnish non-life insurance segment, including: The Finnish non-life insurance segment’s growth prospects by non-life insurance categories Key trends and drivers for the non-life insurance segment The various distribution channels in the Finnish non-life insurance segment The detailed competitive landscape in the non-life insurance segment in Finland

1. Non-Life Insurance in Finland, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Finnish non-life insurance segment, including:
The Finnish non-life insurance segment’s growth prospects by non-life insurance categories Key trends and drivers for the non-life insurance segment
The various distribution channels in the Finnish non-life insurance segment The detailed competitive landscape in the non-life insurance segment in Finland
Detailed overview of the regulatory framework of the Finnish insurance industry A description of the non-life reinsurance segment in Finland Porter's Five Forces
analysis of the non-life insurance segment A benchmarking section on the Finnish life insurance segment in comparison with other countries in the Nordic
Region
Executive summary
The Finnish non-life insurance segment is a relatively mature one; it grew at a CAGR of 2% during the review period (2008−2012), and valued EUR3.2
billion (US$4.1 billion) in 2012. This gross written premium is further expected to increase to EUR3.2 billion (US$4.1 billion) in 2017. Over the forecast period
(2012−2017), the non-life segment will be mainly driven by fire and related damage to property insurance, motor liability insurance and workers’
compensation, the last two being mandatory policies.
Scope
This report provides a comprehensive analysis of the non-life insurance segment in Finland:
It provides historical values for Finland’s non-life insurance segment for the report’s 2008–2012 review period and expected figures for
the 2012–2017 forecast period. It offers a detailed analysis of the key categiories in Finland’s non-life insurance segment, along with market
forecasts until 2017. It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio,
frauds and crimes, total assets, total investment income and retentions. It analyses the various distribution channels for non-life insurance products in Finland.
Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Finland for the non-life insurance segment.
It provides a detailed analysis of the reinsurance segment in Finland and its growth prospects. It profiles the top non-life insurance companies in Finland 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 Finnish non-life insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Finnish non-life insurance segment Assess the competitive
dynamics in the non-life insurance segment, along with the reinsurance segment Identify the growth opportunities and market dynamics within key product
categories Gain insights into key regulations governing the Finnish insurance industry and its impact on companies and the market's future
Key highlights
The Finnish non-life insurance segment is a relatively mature one; it grew at a CAGR of 2% during the review period. In 2012, the solvency capital of non-life
insurers increased to more than EUR4.5 billion (US$5.8 billion). Over the forecast period, the non-life segment will be mainly driven by fire and related damages
to property, and the increased demand for mandatory motor liability and workers’ compensation policies. Direct marketing channels are the main
distribution channels for the non-life segment in Finland. The non-life segment is highly concentrated with the four-leading companies accounting for 91.7% of
the premium income in 2012.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Non-life Insurance Segment – Regional Banchmarking
4.1 Overview
4.2 Scale And Penetration
4.2.1 Total Gross Written Premium
4.2.2 Premium Per Capita
4.2.3 Non-life Insurance Penetration (% Of Gdp)
4.3 Growth
4.3.1 Gross Written Premium
4.3.2 Gross Written Premium Per Capita
4.4 Efficiency And Risk
4.4.1 Loss Ratio
4.4.2 Combined Ratio
4.4.3 Incurred Losses Per Capita
Non-Life Insurance in Finland, Key Trends and Opportunities to 2017

2. 4.4.4 Incurred Losses As A Percentage Of Gdp
4.5 Distribution Channels
4.5.1 Direct Marketing
4.5.2 Bancassurance
4.5.3 Agencies
4.5.4 Brokers
4.5.5 Online Channels
5 Finnish Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends And Drivers
6 Non-life Insurance Outlook
6.1 Non-life Insurance Growth Prospects By Category
6.2.1 Property Insurance
6.2.2 Fire And Allied Perils Insurance
6.2.3 Engineering Insurance
6.2.4 Agriculture Insurance
6.2.5 Other Property Insurance
6.3 Motor Insurance
6.3.1 Motor Hull Insurance
6.3.2 Motor Third-party Insurance
6.4 General Third-party Insurance
6.5 Marine, Aviation And Transit Insurance
6.5.1 Marine Hull Insurance
6.5.2 Aviation Insurance
6.5.3 Transit Insurance
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Finnish Non-life Insurance Market
8.1 Bargaining Power Of Suppliers: Medium To High
8.2 Bargaining Power Of Buyers: Low To Medium
8.3 Barriers To Entry: High
8.4 Intensity Of Rivalry: High
8.5 Threat Of Substitutes: Low
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Regulations By Type Of Insurance
10.2.1 Life Insurance Regulations
10.2.2 Property Insurance Regulations
10.2.3 Motor Insurance Regulations
10.2.4 Marine, Aviation And Transit Insurance Regulations
10.2.5 Personal Accident And Health Insurance Regulations
10.3 Compulsory Insurance
10.3.1 Motor Third-party Liability Insurance
10.3.2 Workers’ Compensation Insurance
10.3.3 Air Carriers And Aircraft Operators Insurance
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors (iais)
10.4.2 European Insurance And Occupational Pension Authority (eiopa)
Non-Life Insurance in Finland, Key Trends and Opportunities to 2017

3. 10.4.3 Financial Supervisory Authority (fsa)
10.5 Non-admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market Practices
10.5.4 Fines And Penalties
10.6 Company Registration And Operations
10.6.1 Types Of Insurance Organization
10.6.2 Establishing A Local Company
10.6.3 Foreign Ownership
10.6.4 Types Of License
10.6.5 Capital Requirements
10.6.6 Solvency Margins
10.6.7 Reserve Requirements
10.6.8 Investment Regulations
10.6.9 Statutory Return Requirements
10.6.10 Fee Structure
10.7 Taxation
10.7.1 Insurance Premium Or Policy Taxation
10.7.2 Withholding Tax On Insurance Premium Paid Overseas
10.7.3 Corporate Tax
10.7.4 Vat
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access To Court
10.8.3 Alternative Dispute Resolution (adr)
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies In The Finnish Non–life Insurance Segment
11.3 Comparison Of The Top Five Insurers
11.3.1 Gross Written Premium
11.3.2 Outwards Reinsurance Expense
11.3.3 Incurred Loss
11.3.4 Total Assets
11.4 Pohjola Insurance Ltd – Company Overview
11.4.1 Pohjola Insurance Ltd – Key Facts
11.4.1 Pohjola Insurance Ltd – Key Financials
11.5 If P&c Insurance Company Ltd – Company Overview
11.5.1 If P&c Insurance Company Ltd – Key Facts
11.5.2 If P&c Insurance Company Ltd – Key Financials
11.6 Localtapiola General Mutual Insurance Company – Company Overview
11.6.1 Localtapiola General Mutual Insurance Company – Key Facts
11.6.2 Localtapiola General Mutual Insurance Company – Key Financials
11.7 Fennia Mutual Insurance Company – Company Overview
11.7.1 Fenia Mutual Insurance Company – Key Facts
11.7.2 Fennia Mutual Insurance Company – Key Financials
11.8 Local Insurance Mutual Company – Company Overview
11.8.1 Local Insurance Mutual Company – Key Facts
11.8.2 Local Insurance Mutual Company – Key Financials
11.9 A-insurance Ltd – Company Overview
11.9.1 A-insurance Ltd – Key Facts
11.9.2 A-insurance Ltd – Key Financials
11.10 Pohjantähti Mutual Insurance Company – Company Overview
11.10.1 Pohjantähti Mutual Insurance Company – Key Facts
11.10.2 Pohjantähti Mutual Insurance Company – Key Financials
11.11 Turva Mutual Insurance Company – Company Overview
11.11.1 Turva Mutual Insurance Company – Key Facts
11.11.2 Turva Mutual Insurance Company – Key Financials
11.12 Aktia Non-life Insurance Company Ltd – Company Overview
11.12.1 Aktia Non-life Insurance Company Ltd. – Key Facts
11.12.2 Aktia Non-life Insurance Company Ltd – Key Financials
11.13 Försäkringsaktiebolaget Alandia – Company Overview
11.13.1 Försäkringsaktiebolaget Alandia – Key Facts
11.13.2 Försäkringsaktiebolaget Alandia – Key Financials
Non-Life Insurance in Finland, Key Trends and Opportunities to 2017

4. 12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Finnish Stock Exchange, Finland
12.2 Economic Performance
12.2.1 Gdp At Constant Prices (us$)
12.2.2 Gdp Per Capita At Constant Prices (us$)
12.2.3 Gdp At Current Prices (us$)
12.2.4 Gdp Per Capita At Current Prices (us$)
12.2.5 Gdp By Key Segments
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices, As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices, As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Exports Growth
12.2.18 Imports Growth
12.2.19 Annual Average Exchange Rate Eur–us$
12.3 Infrastructure Quality And Availability
12.3.1 Commercial Vehicle Exports Total Value
12.3.2 Commercial Vehicle Imports Total Value
12.3.3 Automotive Exports Total Value
12.3.4 Automotive Imports Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
12.5.2 Household Consumption Expenditure (us$)
12.5.3 Total Population
12.5.4 Urban And Rural Population
12.5.5 Age Distribution Of The Total Population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer
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Non-Life Insurance in Finland, Key Trends and Opportunities to 2017