Non-life insurance market in Italy - Statistics & Facts

Non-life insurance is aimed at protecting against property loss and damage, and legal liability resulting from injury or damage to the property of others. This type of insurance is also known as property and casualty, or general insurance. Examples of non-life insurance policies include automobile policies, home-owners policies, damage cover from fire, marine accidents, travel, theft and any catastrophe.

Italy represents the sixth largest market in Europe for the non-life insurance sector in terms of gross written premiums. In 2018, the total value of gross premiums written on the Italian market amounted to over 33 billion euros. On the other hand, claims paid out by insurance providers reached a value of 20.6 billion euros.

Two other important indicators to understand the development of the insurance market are insurance penetration and insurance density. Insurance penetration is defined as premiums as a percentage of GDP and is deemed the standard measure to check the performance of a country's insurance market. In the non-life insurance sector, Italy registered a penetration of 1.73 percent. On the other hand, insurance density is calculated as the ratio of premiums to whole population and it amounted to 502 euros.

When considering the different segments included in the non-life insurance sector, motor insurance is by far the dominant one, both in terms of premiums written and claims paid. Indeed, in 2018, motor insurance gross written premiums in Italy amounted to over 16 billion euros, whereas claims paid reached a value of nearly 13 billion euros.

There are many insurance providers on the Italian insurance market, both domestic and foreign. For this reason, competition is fierce. In the non-life sector in Italy the main groups dominating the market are three: Unipol, Generali, and Allianz. In terms of gross written premiums, Unipol ranked first with 7.9 billion euros and a market share of nearly 21 percent. Assicurazioni Generali, second in the list, boasted 5.8 billion euros of gross written premiums and a market share of more than 15 percent. Last among the three leading groups, Allianz registered 4.5 billion euros of gross written premiums and a market share of 13 percent.

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Non-life insurance in Italy

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Gross written premiums

Claims paid

Leading insurance providers


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