Fennia Annual Report 2014

Note 2. Balance on technical account by group of insurance class, Parent Company

2. Balance on technical account by group of insurance class, Parent Company


Group of insurance class

Year

Premiums written before before reinsurers' share

Premiums earned before re-insurers’ share

Claims incurred before re-insurers’ share

Operating expenses before reinsurers' commissions and profit participation

Reinsurance balance

Balance on technical account before the change in collective item and equali-sation

Statutory accident

2014

88,823

89,041

-83,257

-12,217

-205

-6,638

insurance (workers' compensation)

2013

93,318

93,081

-65,458

-11,799

-209

15,614

 

2012

88,146

89,417

-87,928

-10,964

-266

-9,741

Non-statutory accident

2014

39,524

38,045

-34,636

-11,072

-213

-7,876

and health

2013

36,499

34,841

-40,228

-10,542

-189

-16,118

 

2012

32,210

30,719

-30,856

-9,540

-108

-9,785

Motor

2014

77,909

76,127

-56,957

-21,669

-414

-2,914

liability

2013

74,533

73,259

-74,028

-21,024

-504

-22,297

 

2012

71,721

71,290

-45,939

-19,994

-370

4,986

Motor, other classes

2014

71,183

69,092

-51,318

-20,061

-424

-2,712

 

2013

66,338

64,758

-46,775

-18,521

-329

-867

 

2012

62,378

61,296

-53,406

-17,093

-204

-9,407

Fire and other

2014

85,530

85,133

-54,413

-22,159

-2,041

6,519

damage to property

2013

81,568

80,237

-67,482

-21,451

-3,470

-12,165

 

2012

75,927

74,165

-74,885

-20,101

3,336

-17,485

General liability

2014

42,358

42,021

-32,460

-5,330

-1,293

2,938

 

2013

26,763

26,025

-20,319

-5,014

4,209

4,901

 

2012

23,244

22,346

-13,447

-4,622

-492

3,785

Other

2014

24,284

24,253

-14,885

-6,993

-1,483

893

 

2013

23,508

23,163

-16,105

-6,323

-316

420

 

2012

21,973

21,520

-13,970

-5,935

-1,228

388

DIRECT INSURANCE

2014

429,611

423,713

-327,927

-99,501

-6,073

-9,788

TOTAL

2013

402,528

395,364

-330,393

-94,674

-809

-30,512

 

2012

375,600

370,753

-320,432

-88,249

670

-37,258

Reinsurance

2014

430

433

-494

-165

 

-227

 

2013

526

522

-812

-182

 

-472

 

2012

431

427

172

-172

 

427

TOTAL

2014

430,042

424,145

-328,421

-99,666

-6,073

-10,015

 

2013

403,054

395,886

-331,205

-94,856

-809

-30,984

 

2012

376,031

371,181

-320,261

-88,421

670

-36,831

Change in equalisation

2014

     

-43,519

provision

2013

     

-17,059

 

2012

     

-6,698

BALANCE ON

2014

     

-53,534

TECHNICAL ACCOUNT

2013

     

-48,043

 

2012

     

-43,529