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TRANSCRIPT
2 3
2016
EstamosSegurosReport
The full version
of this report
can be found on
www.unespa.es
or
www.estamos-seguros.es
UNESPA. Insurance Business Association Nuñez de Balboa, 101. 28006 Madrid
Telephone 91 745 15 30
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The best analysis of the insurance activity in Spain during 2016
INDEX
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01. INSURANCE ID
02. INSURANCE AND ITS CONTRIBUTION TO THE PUBLIC FINANCES
03. INSURANCE AND THE SPANISH PEOPLE
04. LIFE INSURANCE
05. MOTOR INSURANCE
06. HEALTH INSURANCE
07. PROPERTY INSURANCE
08. BURIAL SERVICES INSURANCE
09. PET INSURANCE
10. TRAVEL INSURANCE
11. INSURANCE AND ITS PROVIDERS
12. INSURANCE AND ITS EMPLOYEES
13. INSURANCE AND ITS DISTRIBUTION
LETTER FROM THE PRESIDENT
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Major traffic accidents
CLAIMS/HOUR: 81PAYMENTS/HOUR: 301,260 €
MADRID
BARCELONA
Freightaccidents CLAIMS/HOUR: 6PAYMENTS/HOUR: 24,526 €
Assistance servicesCLAIMS/HOUR: 233
PAYMENTS/HOUR: 43,627 €
Minor traffic accidents
CLAIMS/HOUR: 693PAYMENTS/HOUR: 453,750 €
Small businesses and manufacturers problems CLAIMS/HOUR: 280PAYMENTS/HOUR: 227,788 €
Car theft CLAIMS/HOUR: 14
PAYMENTS/HOUR: 13,404 €
Other problems related to vehiclesCLAIMS/HOUR: 474PAYMENTS/HOUR: 113,058 €
Legal services and compensations
CLAIMS/HOUR: 4PAYMENTS/HOUR: 3,566 €
Death related life insurance benefitsCLAIMS/HOUR: 5PAYMENTS/HOUR: 134,571 €
Credit and suretyship claims
CLAIMS/HOUR: 7PAYMENTS/HOUR: 17,949 €
Personal accidents unrelated to trafficCLAIMS/HOUR: 23PAYMENTS/HOUR: 35,573 €
Medical actions and compensations
CLAIMS/HOUR: 3,415PAYMENTS/HOUR: 684,305 €
Burialcompensations
CLAIMS/HOUR: 35PAYMENTS/HOUR: 100,881 €
Propertyrelated problemsCLAIMS/HOUR: 807PAYMENTS/HOUR: 291,361 €
Claims resulting in pecuniary losses CLAIMS/HOUR: 10PAYMENTS/HOUR: 8,608 €
Benefits paid to savers by their life insurance 1,362,726 €
01.INSURANCE ID
The task of insurance is to solve problems. Clients experience them, and their insur-ance compensates for them or resolves them by providing a service. In a year,
there are over 50 million claims of this type; all of
them claiming payments equivalent to the yearly salary of 1.2 million workers. Insurance does not rest, never stops, nor do the mishaps suffered by their clients.
LISTED BELOW ARE THE PROBLEMS SOLVED BY INSURANCE DURING THE TIME IT TAKES TO FLY BETWEEN MADRID AND BARCELONA.
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TAXES PAID AND COLLECTED BY INSURANCEUNDERTAKINGS
PENSIONS EDUCATION
INFRASTRUCTURE HEALTH SERVICES
7,087,385,523 €
Taxon profits PAID: 1,423,196,919 €COLLECTED: 444,737,287 €
Tax associated withemployment(Social Security)PAID: 486,376,072 €COLLECTED: 1,221,911,519 €
Tax on productsand servicesPAID: 1,206,702,898 €COLLECTED: 2,253,117,402 €
PropertytaxPAID: 40,805,616 €COLLECTED: 10,537,809 €
02.INSURANCE AND ITS CONTRIBUTION TO PUBLIC FINANCES
One of the determining factors in the importance of the insurance activity is the role of insurance companies as tax payers and tax collectors. During
2016, through their insurance operations, bene-fits, claims and operating costs, insurance com-
panies paid out 3.16 billion euros and collected a further 3.93 billion euros on behalf of the Span-ish Revenue Service. As a result, the existence of insurance guarantees a daily State expenditure of 20 million euros.
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DISTRIBUTION OF INSURANCE BY TYPE OF HOUSEHOLD
DISTRIBUTION OF INSURANCE IN HOUSEHOLDSBY AUTONOMOUS REGIONS
29.00%
65.79%
53.33%
64.09%
76.79%
91.00%
94.35%
95.15%
88.39%
74.06%
93.84%
14.00%
17.55%
10.37%
23.44%
19.91%
26.09%
33.01%
32.98%
31.73%
25.62%
33.78%
58.67%
29.51%
6.67%
27.43%
58.76%
41.38%
36.06%
39.03%
32.29%
59.21%
61.88%
3.96%
4.30%
0.74%
4.49%
5.36%
8.01%
8.66%
8.10%
9.92%
9.75%
12.83%
MOTOR HOME HEALTH BURIAL SERV. 3RD PARTY LIAB.
80.11% 75.42% 26.71% 50.22% 8.54%Spain
Rate of penetrationof different types ofinsurance in households
AndalusiaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
80.00%
66.89%
27.71%
64.91%
12.66%CanaryIslandsMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
77.34%
61.42%
37.08%
64.89%
13.39%
CataloniaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
78.78%
77.89%
37.25%
42.28%
2.69%
MadridMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
79.01%
80.66%
37.82%
44.92%
6.36%
La RiojaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
79.65%
79.92%
25.51%
37.58%
14.11%
CeutaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
75.83%
50.00%
34.17%
52.50%
15.83%
MelillaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
75.19%
45.74%
24.81%
31.01%
0.00%
MurciaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
85.46%
77.52%
25.73%
62.53%
5.70%
NavarreMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
78.85%
83.29%
13.84%
30.42%
7.70%
Basque CountryMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
79.75%
90.23%
32.76%
48.65%
11.79%
Communityof Valencia MOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
79.57%
76.32%
12.48%
49.22%
1.57%
ExtremaduraMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
86.91%
77.04%
41.39%
74.12%
28.00%
GaliciaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
80.62%
64.02%
17.69%
50.81%
6.75%
Castilla-La ManchaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
84.74%
68.82%
27.28%
58.96%
14.34%
CantabriaMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
77.60%
82.68%
21.74%
45.05%
4.04%
Castilla and LeonMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
78.94%
78.87%
14.54%
38.72%
5.50%
AragonMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
76.66%
75.83%
15.66%
31.02%
2.18%
AsturiasMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
76.80%
77.60%
13.26%
5.94%
4.80%
Balearic IslandsMOTOR:
HOME:
HEALTH:
BURIAL SERV.:
3RD PARTY LIAB.:
85.13%
65.51%
40.00%
39.74%
5.64%
66.82%
63.47%
32.59%
57.61%
80.43%
76.54%
78.42%
83.91%
64.59%
72.72%
81.98%
HEALTH BURIAL SERVICES THIRD PARTYLIABILITY
MOTOR HOME
Single personover 65
Single personbetween 30 and 64
Single personunder 30
One adultwith childrenunder 16
Couple, at leastone 65 or over,without children
Couple,both under 65,without children
Couplewith one childunder 16
Couplewith two childrenunder 16
Couple with oneor more childrenunder 16
Single parentwith one or morechildren under 16
Couple with oneor more childrenunder 16
03.INSURANCE AND THE SPANISH PEOPLE
Insurance is everywhere. Everyone uses it. The number of Spanish households with no insur-ance accounts for less than 5% of the total. The most commonly used insurance contracts ex-
tend to between 40% and 90% of all households, regardless of their characteristics such as the
number of family members, their socio-econom-ic level or place of residence. The level of insur-ance penetration is the best evidence of how much Spanish society values the capacity to provide ef-fective solutions and efficient protection against risk.
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NUMBER OF INDIVIDUALS WITH LIFE INSURANCEBY AUTONOMOUS REGION:
MANAGEMENT OF SAVINGSSavings managed by life insurers on behalf of clients.
NUMBER OF DEATHS COMPENSATED BY LIFE INSURANCEPercentages of deaths compensated by life insurance when compared with total number of deaths, by age.
Autonomous region Estimated No. ofinsured people
Other saving tools(CAPITAL, SIALP AND
UNIT LINKED INSURANCE)
Saving toolsfor retirement
(ANNUITIES, PPA, PIAS, ASSET TRANSFERAND PENSION FUNDS INSURANCE)
Andalusia
Madrid
Catalonia
Community of Valencia
Galicia
Castilla and Leon
Basque Country
Castilla-La Mancha
Canary Islands
Murcia
Extremadura
Asturias
Aragon
Balearic Islands
Cantabria
Navarre
La Rioja
Melilla
Ceuta
4,046,030
2,322,518
2,271,069
2,046,902
1,624,291
1,602,240
1,227,406
992,213
848,894
698,225
628,402
602,678
496,106
466,708
382,186
316,038
191,093
25,724
11,024
Up to 30 years 31 to 40 years 41 to 50 years 51 to 60 years 61 to 70 years 71 to 80 years 81 to 90 years 91 to 100 years Over 100 years All ages
4.96% 30.34% 28.25% 26.60% 15.00% 7.95% 9.61% 11.15% 19.47% 11.94%
Total
212.5BILLION EUROS
63.1BILLION EUROS
149.4BILLION EUROS
04.LIFE INSURANCE
Life insurance has a dual purpose: on the one hand, it prevents the financial consequences of death or disability by means of compensa-tion. On the other, it builds up a saving pot
on which clients can accumulate money for the fu-
ture, usually with a view to their retirement. This saving formula has convinced over 20 million Spanish people, who have entrusted their insurers with more than 210 billion euros.
LIFE INSURANCE GUARANTEES STABILITY FOR THE FUTURE, REGARDLESS OF WHAT MAY HAPPEN.
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Commitment to victims
550MILLION EUROSPAID OUT FORMEDICAL ASSISTANCEEXPENSES ARISINGFROM TRAFFIC ACCIDENTS.
Travelassistance16,062,331 CLIENTS
Theft16,577,354 CLIENTS
Drivingban
9,901,664 CLIENTS
Third partyliability
29,107,481 CLIENTS
Fire15,491,219 CLIENTS
Windows andwindscreens
22,021,865 CLIENTS
Legalexpenses 24,523,724 CLIENTS
Owndamages 8,221,217 CLIENTS
WE COVER EVERYTHINGMaterial or personal damages, as well as those to whom the damage is caused, whether it is the insured person or not.
WE ARE EVERYWHEREEstimated number of claims per year and per autonomous region.
Andalusia1,875,604
CanaryIslands393,828
Catalonia1,192,909
Madrid3,011,216
La Rioja59,393
Ceuta11,303
Melilla13,438
Murcia220,279
Navarre124,704
Basque Country353,780
Communityof Valencia896,151
Extremadura272,480
Galicia527,711
Castilla-La Mancha537,650
Cantabria122,421
Castilla and Leon584,436
Aragon260,489
Asturias213,229
BalearicIslands173,617
05.MOTOR INSURANCE
Essentially, motor insurance is a compul-sory protection against any damages that may be caused when using a motor vehi-cle. However, in reality, it is a great deal
more. Motor insurance is a complex world of services provided for each and every one of the
claims that may occur to the vehicles, as well to those travelling in them, and to pedestrians and cyclists. Every year there are 11 million claims set-tled by one of the most efficient service platforms in the Spanish economy.
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PEOPLE PROTECTED BY HEALTH INSURANCE
2016 HEALTH INSURANCE PAYMENTS
Mutual insurancefor civil servants1,463,659,441 €
Private health care insurance 3,700,264,973 €
Reimbursement of expenses 465,180,144 €
Subsidies and compensations 123,221,310 €
Private insurance
+Mutual insurance for civil servants
+Reimbursement of expenses
+Subsidies and compensations
=11,114,531
No. of people protected
06.HEALTH INSURANCE
OOver 20% of the Spanish population have health insurance, and around 8% of Spanish people also have a dental health policy. Health insurance deals
with the medical needs of clients, as well as finan-
cial benefits arising from illness or hospitalisa-tion. As a whole, this represents a world of care that spends 5.7 billion euros on the wellbeing of their clients.
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CLAIMS SOLVED BY HOME INSURANCE
NUMBER OF REPAIRED LEAKAGES IN PROPERTIESBY AUTONOMOUS COMMUNITY
Catalonia349,584
Madrid461,195
Andalusia354,816
Community of Valencia227,568
Galicia102,099
Canary Islands82,409
Murcia53,152
Asturias47,613
Balearic Islands41,302
Navarre17,881
Melilla3,345
Castilla and Leon113,539
Basque Country101,127
Castilla-La Mancha79,605
Aragon49,532
Extremadura42,944
Cantabria36,279
La Rioja11,904
Ceuta2,677
Third partyliability
180,289
Water damage2,286,598
Theft or damagecaused by theft
382,486Fire & Arson
145,619
Atmosphericphenomena454,338
Legal expenses12,819
Glass breakages1,248,423
Electrical damage677,775
Assistanceservices1,131,962
07.PROPERTY INSURANCE
Multi-risk insurance policies are con-tracts fully established in Spain reaching, for example, 75% of exist-ing dwellings. They encompass a wide
range of risk protection, from compensation for theft to the repair of the numerous breakdowns
that take place in a property. In addition to households, property insurance provides a ser-vice to whole neighbourhood communities, busi-nesses, industries and other establishments such as hotels or schools. They offer all of them a com-prehensive protection.
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AVERAGE COST OF PETINSURANCE BENEFITS
Dead bodyhandling114.23 €
Legalexpenses
65.16 €
Other26.19 €
Veterinarybenefit915.85 €
Third partyliability17,248.75 €
ROLE OF INSURANCE IN BURIAL SERVICESOCCURRING IN SPAIN
2012 2013
2015 2014
2016
Burial servicescovered by insurance231,280
Other burial services159,139
Insured burial services*59.20%
Burial servicescovered by insurance241,345
Other burial services161,605
Insured burial services*59.90%
Burial servicescovered by insurance247,190
Other burial services175,378
Insured burial services*58.50%
Burial servicescovered by insurance 243,122
Other burial services**159,315
Insured burial services* 60.40%
Burial servicescovered by insurance245,629
Other burial services150,201
Insured burial services*62.10%
(*) Insured burial services (% of the total). (**) Estimated number of burial services.
08.BURIAL SERVICES INSURANCE
09.PET INSURANCE
Burial services insurance is the oldest mass insurance in Spain. It has been marketed for one and a half centuries and today it covers nearly half of the
Spanish population. This type of insurance has evolved to become a robust service platform
which implements its activity at the most diffi-cult time for people, providing them with a com-prehensive solution to their problems. Six out of every ten burial services in Spain are covered by death insurance.
Pet insurance is increasingly earning a role amongst the most usually risk protection coverage by individuals in Spain. Whilst not yet fully known, this is another type
of insurance evolving rapidly to an in-kind phi-losophy. Nowadays, insurance constitutes an
overall supply that answers all pet needs, from those compulsory required by law such as third party liability, to the veterinary assistance that will guarantee a healthy life to the animal. In ad-dition to pet insurance coverage for livestock is also available.
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AVERAGE COST OF INSURANCEBY TYPE OF COVERAGE
DESTINATIONS FOR WHICH THE HIGHEST NUMBEROF TRAVEL INSURANCE COVERAGE IS PURCHASED
Frequency of insurance contracts taken
MEXICO
THAILAND
PERU
CHILE
USA
ITALY
ANDORRA
CUBA
FRANCE
EGYPT
ARGENTINA INDIABURKINA
FASO
AUSTRALIA
BRAZIL
MOZAMBIQUE
Medical assistanceAVERAGE COST: 443 €
CompensationAVERAGE COST: 446 €
RescueAVERAGE COST: 410 €
Repatriationand transfers AVERAGE COST: 765 €
10.TRAVEL INSURANCE
Most people do not ever think of travel assistance insurance, but that is be-cause they have never had any prob-lems during their journey. Those
who have had problems during a trip, and sometimes very serious problems, know very well what travel insurance is and what it is for.
This is a product that is making great strides to-wards the comprehensiveness of insurance cov-erage, offering security and service in the face of nearly all those bad experiences that may be suffered during leisure, work or any other type of travel.
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PAYMENTS MADE TO PROVIDERS OF THE MAININSURANCE LINES
PAYMENTS MADE TO CAR REPAIR SHOPSTHROUGH MOTOR INSURANCE
PAYMENTS MADE TO REPAIRERSBY MULTI-RISK INSURANCE
PAYMENTS MADE TO FUNERAL SERVICES PROVIDERSBY BURIAL SERVICES INSURANCE
ESTIMATED NUMBER OF INDIRECT JOBSCREATED BY PAYMENTS MADETO SERVICE PROVIDERS IN 2016
TRANSFERS TO FUNERAL HOMES
773,973,577 €2014
826,129,816 €2015
821,535,803 €2016
TRANSFERS
1,229,747,729 €2014
1,321,525,575 €2015
1,292,606,731 €2016
CAR REPAIRSHOPS
2014
2015
2016
3,718,814,694 €
3,494,304,506 €
3,241,811,510 €
COMPENSATIONS
2014
2015
2016
1,667,338,425 €
1,870,664,454 €
2,140,986,163 €
MEDICALASSISTANCE
2014
2015
2016
578,289,401 €
543,136,873 €
543,110,932 €
Health sector(medical insurance)
241,987Health sector
(traffic accidents)
24,336
Funeralservices
36,811Householdrepairers
57,919
Car repairshops
145,261
TOTAL
506,314
11.INSURANCE AND THEIR PROVIDERS
Insurance activity has a first and obvious bene-ficiary, their clients. However, insurance pro-viders also benefit a great deal. Since insur-ance is an in-kind providing platform, those
who deliver services on behalf of the insurance
companies assume a workload that increases their capacity to create added value and main-tain a certain standard of living. Half a million workers earn a living thanks to the provision of insurance benefits.
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HOW STABLE IS INSURANCE EMPLOYMENTCOMPARED TO OTHER SECTORS?PERCENTAGE OF TEMPORARY CONTRACTS BY SECTOR
SALARY COMPARISONS WITH OTHER SECTORSTHE AVERAGE SALARY OF AN INSURANCE EMPLOYEECAN BE FOUND AMONG THE BEST REMUNERATED PROFESSIONS
EMPLOYMENT EVOLUTION IN THE INSURANCE SECTOR
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Airservicessector payroll
2,843€Average salary
Telecom.payroll
2,815€Average salary
ITpayroll
2,289€Average salary
Architect. payroll
2,248€Average salary
Construct.payroll
1,669€Average salary
Educationpayroll
1,616€Average salary
Hospitalitypayroll
914€Average salary
Insurance payroll
2,526€Average salary
Agricultural sector
Mining
Manufacturing
Energy
Water
Construction
Trade
Transport
Hospitality
Telecommunications
Finance
Insurance
Real Estate
Professionals, scientists and technicians
Administrative activity
Education
Health
Artistic and recreational activities
Other services
62.73%
27.10%
20.17%
16.07%
20.09%
45.10%
21.11%
24.16%
36.94%
17.59%
5.88%
2.93%
11.68%
22.16%
26.01%
63.69%
66.84%
42.25%
22.87%
69.40%
7.14%
22.79%
16.30%
13.01%
15.83%
23.70%
28.91%
39.84%
20.60%
8.43%
4.16%
8.73%
19.70%
24.68%
72.58%
53.12%
39.60%
29.44%
MEN WOMEN
The above table does not include workers of foreign branches located in Spain.Source: ordinary wage costs per worker and by sector. Data 201. INE.
45,474
44,640 46,759
44,004
48,119
45,935
47,526
48,049
47,990
49,277
47,762
47,230
47,265
46,726
46,324
45,876
45,180
12.INSURANCE AND ITS EMPLOYEES
The insurance sector, as well as guarantee-ing the service to their clients and activi-ty to their providers, also creates quality employment for its workers. Its work-
force, stable even in years of crisis, is one of the
best paid in the Spanish economy, furthermore, with contracts among the most stable that can be found in the labour force. The insurance industry allows its employees to develop their careers ful-ly, with an enviable level of employment rights.
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DISTRIBUTION OF INSURANCE CLIENTSBASED ON THEIR INTERMEDIARY
MARKET SHARE BASED OF EACHDISTRIBUTION CHANNEL
Source: DGSFPSource: DGSFP
INSURANCECONTRACT
LifeINSURANCE AGENTS: 16.46% BANCASSURANCE: 69.29%BROKERS: 4.86%BRANCH OFFICES: 7.47%INTERNET: 0.33%OTHER CHANNELS: 1.60%
MotorINSURANCE AGENTS: 39.06%BANCASSURANCE: 5.76%BROKERS: 26.75%BRANCH OFFICES: 10.32%INTERNET: 5.56%OTHER CHANNELS: 12.56%
HomeINSURANCE AGENTS: 41.53%BANCASSURANCE: 35.35%BROKERS: 12.98%BRANCH OFFICES: 5.35%INTERNET: 0.41%OTHER CHANNELS: 4.38%
Burial servicesINSURANCE AGENTS: 68.12%BANCASSURANCE: 6.86%BROKERS: 2.17%BRANCH OFFICES: 19.76%INTERNET: 0.04%OTHER CHANNELS: 3.04%
HealthINSURANCE AGENTS: 17.81%BANCASSURANCE: 10.34%BROKERS: 10.99%BRANCH OFFICES: 58.49%INTERNET: 0.79%OTHER CHANNELS: 1.58%
Agents
SHARE
28.8%79,487
intermediaries
Bancassurance
SHARE
39.9%51
intermediaries
Brokers
SHARE
12.6%5,108
intermediaries
Insurer’sbranch offices
SHARE
13.0%
Internet
SHARE
1.7%
Other
SHARE
3.9%
13.INSURANCE AND ITS DISTRIBUTION
To be insured is an aim that can be attained in many ways. Almost no other product or service in the economy offers so many possibilities to the client at the time of
purchasing it. In addition to generating nearly 50.000 direct jobs, at least 150,000 people earn
their living selling insurance. Each category of marketer have their own individual character-istics in order to offer the consumer numerous ways of approaching insurance, learning about it and choosing the most suitable coverage.
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The document you are now reading has been designed to provide a general view of insurance activity: of how we resolve problems and of the type of risks we cover.
Insurance is present in all our lives and, even though it is true that the best news that an insurance company can give is not having to make use of it, there are 53 million times in a year when it is necessary to think of it and use it. It is at those times that insurance comes into its own and makes available the best of its capability.
The content of this document transmits the pride of over 200,000 individuals whose objective, either as marketers or administrators, is to make the life of others easier.
To learn in more detail and depth about each of the sections and information given in the report, a fuller version can be found in www.unespa.es or www.estamos-seguros.es
Thanks to their work we are all protected. Let the information you have just read be our recognition for all their efforts and efficiency.
Pilar González de Frutos UNESPA President