Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017 Synopsis The report provides in depth market analysis, information and insights into the Estonian non-life insurance segment , including: To Read The Complete Report Kindly Visit: http://www.marketresearchreports.biz/analysis/170151 For All Latest Reports Kindly visit: http://www.marketresearchreports.biz

1. Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Estonian non-life insurance
segment , including:
The Estonian non-life insurance market’s growth prospects by non-life insurance categories Key
trends and drivers for the non-life insurance segment The various distribution channels in the Estonian
non-life insurance segment Detailed competitive landscape in the non-life insurance segment in Estonia A
description of the non-life reinsurance segment in Estonia Porter's Five Forces Analysis of the non-life
insurance segment
Executive summary
The non-life insurance segment was the largest segment in the Estonian insurance industry in 2012 with a
market share of 58.2%. Despite this large share, the segment increased at a CAGR of 0.3% during the review
period, the lowest growth rate of all three segments. Falling property and motor sales during the review period
were the major reason behind such a low growth rate. However, with the ongoing recovery in both these
sectors in 2012, the non-life segment is expected to grow at a CAGR of 3.8% over the forecast period.
Scope
This report provides a comprehensive analysis of the non-life insurance market in Estonia:
It provides historical values for Estonia’s non-life insurance market for the report’s
2008–2012 review period and forecast figures for the 2012–2017 forecast period It offers a
detailed analysis of the key sub-segments in Estonia’s non-life insurance market, 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 Estonia Using
Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Estonia for the non-life insurance business It provides a detailed analysis of the reinsurance market in Estonia
and its growth prospects It profiles the top non-life insurance companies in Estonia and outlines the key
regulations affecting them
Reasons to buy
Make strategic business decisions using historic and forecast market data related to the Estonian non-life
insurance market and each sector within it Understand the demand-side dynamics, key market trends and
growth opportunities within the Estonian non-life insurance market Assess the competitive dynamics in the
non-life insurance market, along with the reinsurance segment Identify the growth opportunities and market
dynamics within key product categories Gain insights into key regulations governing the Estonian insurance
market and its impact on companies and the market's future
Key highlights
The direct premium in the segment declined by -2.4% in 2009 due to the adverse impact of the financial
crisis. It recovered in 2010 and registered a year on year growth of 0.1% The leading non-life products sold
include motor, compulsory motor liability, and property insurance. General third-party liability and marine,
aviation and transit cover accounted for less than 6% of the segment in 2012 The non-life segment increased
from EUR263.6 million (US$387.8 million) in 2008 to EUR266.4 million (US$371.0 million) in 2012,
registering a CAGR of 0.3% during the review period Motor insurance accounted for 64.5% of the non-life
segment in 2012. Within the category, motor hull insurance accounted for 55.8% in 2012 while compulsory
motor third-party liability insurance accounted for 44.2%
Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017

2. table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Estonian Insurance Industry Attractiveness
3.1 Estonian Insurance Industry Size, 2008–2017
3.2 Key Industry Trends And Drivers
3.3 Recent Market Developments
4 Non-life Insurance Outlook
4.1 Non-life Insurance Growth Prospects
4.1.1 Property Insurance
4.1.2 Fire And Allied Perils Insurance
4.1.3 Engineering Insurance
4.1.4 Agriculture Insurance
4.1.5 Other Property
4.2 Motor Insurance
4.2.1 Motor Hull
4.2.2 Motor Third-party
4.3 General Third-party
4.4 Marine, Aviation And Transit
4.4.1 Marine
4.4.2 Marine Hull
4.4.3 Marine Third-party
4.4.4 Transit
5 Analysis By Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-commerce
5.5 Brokers
5.6 Other Channels
6 Governance, Risk And Compliance
6.1 Legislation Overview And Historical Evolution
Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017

3. 6.2 Regulations By Type Of Insurance
6.2.1 Life Insurance Regulations
6.2.2 Property Insurance Regulations
6.2.3 Motor Insurance Regulations
6.2.4 Marine, Aviation And Transit Insurance Regulations
6.2.5 Personal Accident And Health Insurance Regulatory Trends
6.3 Compulsory Insurance
6.3.1 Motor Third-party Liability Insurance
6.3.2 Social Security System
6.4 Supervision And Control
6.4.1 International Association Of Insurance Supervisors (iais)
6.4.2 European Insurance And Occupational Pensions Authority (eiopa)
6.4.3 Financial Supervision Authority
6.5 Non-admitted Insurance Regulations
6.5.1 Overview
6.5.2 Intermediaries
6.5.3 Market Practices
6.5.4 Fines And Penalties
6.6 Company Registration And Operations
6.6.1 Types Of Insurance Organization
6.6.2 Establishing A Local Company
6.6.3 Foreign Ownership
6.6.4 Types Of License
6.6.5 Capital Requirements
6.6.6 Solvency Margins
6.6.7 Reserve Requirements
6.6.8 Investment Regulations
6.6.9 Statutory Return Requirements
6.6.10 Fee Structure
6.7 Taxation
6.7.1 Insurance Premium Or Policy Taxation
6.7.2 Corporate Tax
6.7.3 Vat
6.7.4 Captives
6.8 Legal System
6.8.1 Introduction
6.8.2 Access To Court
6.8.3 Alternative Dispute Resolution (adr)
7 Porter’s Five Forces Analysis
7.1 Bargaining Power Of Supplier: Low To Medium
7.2 Bargaining Power Of Buyer: Medium
7.3 Barriers To Entry: Low To Medium
7.4 Intensity Of Rivalry: High
7.5 Threat Of Substitutes: Low
Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017

4. 8 Reinsurance Growth Dynamics And Challenges
8.1 Reinsurance Segment Size, 2008–2017
8.2 Reinsurance Segment Size By Insurance Segment, 2008–2017
9 Competitive Landscape And Strategic Insights
9.1 Overview
9.2 Leading Companies In The Estonian Non-life Insurance Segment
9.3 If P&c Insurance As – Company Overview
9.3.1 If P&c Insurance As – Key Facts
9.3.2 If P&c Insurance As – Key Financials
9.4 Seesam Insurance As – Company Overview
9.4.1 Seesam Insurance As – Key Facts
9.4.2 Seesam Insurance As – Key Financials
9.5 Ergo Insurance Se – Company Overview
9.5.1 Ergo Insurance Se – Key Facts
9.5.2 Ergo Insurance Se – Key Financials
9.6 Salva Kindlustuse As – Company Overview
9.6.1 Salva Kindlustuse As – Key Facts
9.6.2 Salva Kindlustuse As – Key Financials
9.7 Inges Kindlustus – Company Overview
9.7.1 Inges Kindlustus – Key Facts
9.7.2 Inges Kindlustus – Key Financials
10 Business Environment And Country Risk
10.1 Business Confidence
10.1.1 Market Capitalization Trend – Tallinn Stock Exchange, Estonia
10.2 Economic Performance
10.2.1 Gdp At Constant Prices (us$)
10.2.2 Gdp Per Capita At Constant Prices (us$)
10.2.3 Gdp At Current Prices (us$)
10.2.4 Gdp Per Capita At Current Prices (us$)
10.2.5 Gdp By Key Segments
10.2.6 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (eur)
10.2.7 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (us$)
10.2.8 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices As A Percentage Of Gdp
10.2.9 Manufacturing Net Output At Current Prices (eur)
10.2.10 Manufacturing Net Output At Current Prices (us$)
10.2.11 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
10.2.12 Mining, Manufacturing And Utilities Net Output At Current Prices (eur)
10.2.13 Mining, Manufacturing And Utilities At Current Prices (us$)
10.2.14 Mining, Manufacturing And Utilities At Current Prices As A Percentage Of Gdp
10.2.15 Construction Net Output At Current Prices (eur)
10.2.16 Construction Net Output At Current Prices (us$)
10.2.17 Construction Net Output At Current Prices As A Percentage Of Gdp
10.2.18 Inflation Rate
Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017

5. 10.2.19 Exports As A Percentage Of Gdp
10.2.20 Imports As A Percentage Of Gdp
10.2.21 Exports Growth
10.2.22 Imports Growth
10.2.23 Annual Average Exchange Rate Eur–us$
10.3 Infrastructure Quality And Availability
10.3.1 Commercial Vehicles Exports Total Value
10.3.2 Commercial Vehicles Imports Total Value
10.3.3 Automotive Exports Total Value
10.3.4 Automotive Imports Total Value
10.3.5 Total Internet Subscribers
10.4 Labor Force
10.4.1 Labor Force
10.4.2 Unemployment Rate
10.5 Demographics
10.5.1 Gross National Disposable Income (us$)
10.5.2 Total Population
10.5.3 Urban And Rural Population
10.5.4 Age Distribution Of The Total Population
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
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Non-Life Insurance in Estonia, Key Trends and Opportunities to 2017