Insurance provisions

Insurance provisions – non-life segment

(€ million)	31.12.2011	30.09.2011	31.12.2010
Insurance provisions - non-life segment	30,603.7	30,760.9	30,235.8
Provisions for unearned premiums	5,661.0	5,617.3	5,450.4
Provisions for outstanding claims	24,560.3	24,760.1	24,413.7
Other insurance provisions	382.4	383.5	371.7
Reservation ratio - non-life segment	146.2%	n.a.	148.8%

Non-life insurance provisions

	Direct insurance		Accepted insurance		Total
(€ million)	31.12.2011	31.12.2010	31.12.2011	31.12.2010	31.12.2011	31.12.2010
Non-life insurance provisions ^(*)	33,189.3	32,928.8	1,460.0	1,541.7	34,649.3	34,470.6
Provisions for unearned premiums	6,153.5	5,906.8	137.1	146.7	6,290.6	6,053.4
Provisions for outstanding claims	26,649.7	26,649.6	1,318.9	1,390.5	27,968.6	28,040.1
Other insurance provisions	386.1	372.4	4.0	4.6	390.0	377.0
of which provisions for liability adequacy test	7.2	4.9	0.0	0.0	7.2	4.9

^(*) After the elimination of intra-group transactions between segments.

Non-life amounts ceded to reinsurers from insurance provisions

	Direct insurance		Accepted reinsurance		Total book value
(€ million)	31.12.2011	31.12.2010	31.12.2011	31.12.2010	31.12.2011	31.12.2010
Non-life amounts ceded to reinsurers from insurance provisions ^(*)	3,030.8	3,288.5	1,015.0	946.2	4,045.8	4,234.7
Provisions for unearned premiums	516.4	509.2	113.3	93.8	629.7	603.0
Provisions for outstanding claims	2,510.5	2,774.4	897.8	852.0	3,408.3	3,626.4
Other insurance provisions	3.9	5.0	3.8	0.4	7.8	5.3

^(*) After the elimination of intra-group transactions between segments.

Provisions for outstanding claims

	Gross direct insurance
(€ million)	31.12.2011	31.12.2010
Motor	11,590.4	11,622.7
Non motor	15,059.3	15,027.7
Personal and commercial lines	12,305.0	12,339.9
Accident/Health ^(*)	2,754.3	2,687.8
Total	26,649.7	26,649.6

^(*) Life segment includes health insurance with life features

Interactive report