Insurance EuropeInsurance Europe
Motor insurance

Europe's most widely purchased P&C insurance line

Motor third-party liability insurance, which is compulsory in the EU, provides financial protection against claims for physical damage and bodily injury from traffic collisions, while comprehensive motor insurance offers financial protection or first-party losses and, in some cases, fire, theft and breakdown services.

Motor premiums accounted for 35% of all property and casualty insurance in Europe in 2018 and totalled €144bn.

 

Review of the EU Motor Insurance Directive

In 2018, the European Commission put forward a proposal for a revision of the Motor Insurance Directive, which is an efficient instrument for the Europe-wide protection of road users.

Insurance Europe strongly supports the review’s objectives of increasing the protection for victims of accidents and ensuring policyholders are all treated fairly and without discrimination. It is particularly supportive of the Commission’s view that autonomous vehicles fall within the scope of the Directive and of its proposal to allow new technology — such as number-plate recognition — to be used in the fight against uninsured driving.

However, the Commission’s proposals fail to provide enough clarity on the scope of the MID, which Insurance Europe believes should be limited to vehicles used in traffic. In addition, the Commission’s proposal to standardise claims history statements at European level is impractical and without clear benefits to consumers.

 

Technological advances are moving fast

New technologies offer the potential to create innovative services for consumers and to make road transport safer, cleaner and more efficient. Indeed, connected and automated vehicles, intelligent transport systems and telematics are already changing the way we travel.

To foster consumer choice and fair competition, it is essential to ensure all service providers in the automotive value-chain can access the wealth of data generated by these new technologies. Insurance Europe calls on EU policymakers to take legislative action to ensure that drivers remain in control of their vehicle data. 

 

Related statistics
Motor claims
Motor claims paid, €bnGrowth rate, %
200995.6
201099.12.3
201197.7-1.5
201295.9-2.8
201393.9-1.2
201491.2-3.7
201597.45.7
201697.63.5
201797.71.3
201899.83.3
Colour#f78f1e#000000
url/node/4311/node/4311
Candlestick

Hover over the bars for each data point, or click on a bar to see motor claims by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates 
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 

For CZ, figures are for total market 
For DE, Gross claims expenditure is reported (i.e. claims paid plus provision for claims) and figures are for Total Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches + EU/EEA branches + FOS)
For DK and GR, 2015 figures were used for 2016
For RO, GR, and LI: Claims paid figures include Health
For HU, PT and SK, 2016 figures are Solvency II
For SI, only SZZ member companies. Branches are excluded
For UK, 2016 figures are Solvency II, they include "home-foreign" part of P&C business

Size of the sample (as % of total premiums): 99.66%

For more information, see the 2019 update to our 2015 report on Europe’s motor insurance markets.

Motor premiums
TotalMotor premiums, €bnGrowth rate, %
2009121.4
2010124.81
2011127.12
2012130.11.1
2013128.1-0.9
2014128-0.4
2015132.82.2
2016135.44
2017140.35.3
2018143.83.8
Colour#f78f1e#000000
url/node/4221/node/4221
Candlestick

Hover over the bars for each data point, or click on a bar to see motor premiums by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates 
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 
For national specificities, please, see country breakdown chart
Size of the sample (as % of total premiums): 99.96%

For more information, see the 2019 update to our 2015 report on Europe’s motor insurance markets.

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Nicolas Jeanmart
Nicolas Jeanmart
Head of personal & general insurance
Thomas Gelin
Thomas Gelin
Policy advisor, general insurance