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Non-Life Insurance in Norway, Key Trends and Opportunities to 2017

Published: Feb, 2014 | Pages: 260 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)


Synopsis
The report provides in depth market analysis, information and insights into the Norwegian non-life insurance segment, including:
The Norwegian non-life insurance segment's growth prospects by non-life insurance categories
Key trends and drivers for the non-life insurance segment
The various distribution channels in the Norwegian non-life insurance segment
The detailed competitive landscape in the non-life insurance segment in Norway
Detailed regulatory framework of the Norwegian insurance industry
A description of the non-life reinsurance segment in Norway
Porter's Five Forces analysis of the non-life insurance segment
A benchmarking section on the Norwegian life insurance segment in comparison with other countries in the Nordic Region

Summary
The size and significance of the Norwegian non-life segment is relatively small compared to other countries in the Nordic region such as Denmark, Finland and Sweden. The Norwegian non-life segment's penetration was 1.5% in 2012, compared to Denmark's 2.9%, Finland's 1.9% and Sweden with 1.9% in the same year. This indicates a large potential customer base in the country. Norway is one of the best performing economies in the Nordic region. Unlike other countries in the region, Norway didn't experience a significant impact from the global financial crisis and the EU sovereign debt crisis, even though the country has numerous commercial links with EU member states and the country's exports are mainly to EU countries. Insurance providers in Norway incurred losses in 2009 as investment income declined sharply.
Scope
This report provides a comprehensive analysis of the non-life insurance segment in Norway:
It provides historical values for Norway's non-life insurance segment 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 categories in Norway's non-life insurance segment, 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 Norway.
Using Porter's industry-standard "Five Forces" analysis, it details the competitive landscape in Norway for the non-life insurance segment.
It provides a detailed analysis of the reinsurance segment in Norway and its growth prospects.
It profiles the top non-life insurance companies in Norway and outlines the key regulations affecting them.
Reason To Buy
Make strategic business decisions using in depth historic and forecast market data related to the Norwegian non-life insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Norwegian non-life insurance segment
Assess the competitive dynamics in the non-life insurance segment, along with the reinsurance segment
Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing the Norwegian insurance industry and its impact on companies and the market's future
Key Highlights
The Norwegian non-life segment's penetration was 1.5% in 2012, compared to Denmark's 2.9%, Finland's 1.9% and Sweden with 1.9% in the same year
Insurers in Norway incurred substantial losses in 2009 as investment income declined sharply, however, these companies recovered quickly and posted positive growth in the subsequent years
Norway is prone to storms, hurricanes, major floods and landslides, meaning demand for insurance against natural disasters is high
Agencies were the largest distributors of non-life policies in Norway in 2012, accounting for 36.6% of the total market commission
The segment is highly concentrated, with the 10 leading companies collectively accounting for 93.0% of the segment's written premiums in 2012
 1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region Market Dymics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Non-Life Insurance Segment - Regiol Benchmarking
4.1 Overview
4.2 Scale and penetration
4.2.1 Total gross written premium
4.2.2 Premium per capita
4.2.3 Non-life insurance penetration (% of GDP)
4.3 Growth
4.3.1 Gross written premium
4.3.2 Gross written premium per capita
4.4 Efficiency and risk
4.4.1 Loss ratio
4.4.2 Combined ratio
4.4.3 Incurred losses per capita
4.4.4 Incurred losses as a percentage of GDP
4.5 Distribution channels
4.5.1 Direct marketing
4.5.2 Bancassurance
4.5.3 Agencies
4.5.4 Brokers
4.5.5 Online channels
5 Norwegian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008-2017
5.2 Key Industry Trends and Drivers
5.2.1 Business drivers
6 Non-Life Insurance Outlook
6.1 Non-Life Insurance Growth Prospects by Category
6.1.1 Property insurance
6.1.2 Fire and allied perils insurance
6.1.3 Engineering insurance
6.1.4 Agriculture insurance
6.1.5 Other property insurance
6.2 Motor Insurance
6.2.1 Motor hull insurance
6.2.2 Motor third-party insurance
6.3 General Third-Party Insurance
6.4 Marine, Aviation and Transit Insurance
6.4.1 Marine insurance
6.4.2 Transit insurance
7 Alysis by Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-Commerce
7.5 Brokers
7.6 Other Channels
8 Porter's Five Forces Alysis - Norwegian Non-Life Insurance
8.1 Bargaining Power of Suppliers: Medium
8.2 Bargaining Power of Buyers: Low to Medium
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Low
8.5 Threat of Substitutes: Low
9 Reinsurance Growth Dymics and Challenges
9.1 Reinsurance Segment Size by Type of Insurance, 2008-2017
10 Governce, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation Trends by Type of Insurance
10.2.1 Life insurance regulatory trends
10.2.2 Property insurance regulatory trends
10.2.3 Motor insurance regulatory trends
10.2.4 Marine, aviation and transit insurance regulatory trends
10.2.5 Persol accident insurance regulatory trends
10.3 Compulsory Insurance
10.3.1 Workers' compensation insurance
10.3.2 Motor third party liability insurance
10.3.3 tural disaster insurance for property cover
10.4 Supervision and Control
10.4.1 Intertiol Association of Insurance Supervisors
10.4.2 European Insurance and Occupatiol Pensions Authority�(EIOPA)
10.4.3 The Fincial Supervisory Authority of Norway (FSA)
10.5 Non-Admitted Insurance Regulatory Trends
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and pelties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Investment regulations
10.6.8 Statutory return requirements
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Corporate tax
10.7.3 VAT
10.7.4 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Altertive dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the Norwegian Non-Life Insurance Segment
11.3 Gjensidige Forsikring ASA - Company Overview
11.3.1 Gjensidige Forsikring ASA - key facts
11.3.2 Gjensidige Forsikring ASA - key fincials
11.4 If Skadeforsikrin NUF - Company Overview
11.4.1 If Skadeforsikrin NUF - key facts
11.4.2 If Skadeforsikrin NUF - key fincials
11.5 Tryg Forsikring - Company Overview
11.5.1 Tryg Forsikring - key facts
11.5.2 Tryg Forsikring - key fincials
11.6 Sparebank 1 Forsikring - Company Overview
11.6.1 Sparebank 1 Forsikring - key facts
11.6.2 Sparebank 1 Forsikring - key fincials
11.7 DNB Forsikring - Company Overview
11.7.1 DNB Forsikring - key facts
11.8 Eika Forsikring AS�- Company Overview
11.8.1 Eika Forsikring AS - key facts
11.8.2 Eika Forsikring AS - key fincials
11.9 Codan Forsikring - Company Overview
11.9.1 Codan Forsikring - key facts
11.1 Protector Forsikring ASA - Company Overview
11.10.1 Protector Forsikring ASA - key facts
11.10.2 Protector Forsikring ASA - key fincials
11.11 Frende Skadeforsikring AS - Company Overview
11.11.1 Frende Skadeforsikring AS - key facts
11.11.2 Frende Skadeforsikring AS - key fincials
11.12 Storebrand - Company Overview
11.12.1 Storebrand - key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend - Oslo BOrs, Norway
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 GDP by key segments
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
12.2.9 Manufacturing net output at current prices as a percentage of GDP
12.2.10 Mining, manufacturing and utilities at current prices (US$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices, (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Annual average exchange rate US$-JPY
12.3 Infrastructure
12.3.1 Commercial vehicles exports - total value
12.3.2 Commercial vehicles imports - total value
12.3.3 Automotive exports - total value
12.3.4 Automotive imports - total value
12.3.5 Total internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross tiol disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural populations
12.5.5 Age distribution of the total population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions Table 2: Norwegian Insurance - Overall Written Premium by Segment (NOK Billion), 2008-2012 Table 3: Norwegian Insurance - Overall Written Premium by Segment (US$ Billion), 2008-2012 Table 4: Norwegian Insurance - Overall Written Premium by Segment (NOK Billion), 2012-2017 Table 5: Norwegian Insurance - Overall Written Premium by Segment (US$ Billion), 2012-2017 Table 6: Norwegian Insurance - Segmentation (% Share), 2008-2017 Table 7: Norwegian Non-Life Insurance - Written Premium by Category (NOK Billion), 2008-2012 Table 8: Norwegian Non-Life Insurance - Written Premium by Category (US$ Billion), 2008-2012 Table 9: Norwegian Non-Life Insurance - Written Premium by Category (NOK Billion), 2012-2017 Table 10: Norwegian Non-Life Insurance - Written Premium by Category (US$ Billion), 2012-2017 Table 11: Norwegian Non-Life Insurance - Earned Premium (NOK Billion), 2008-2012 Table 12: Norwegian Non-Life Insurance - Earned Premium (NOK Billion), 2012-2017 Table 13: Norwegian Non-Life Insurance - Paid Claims by Category (NOK Billion), 2008-2012 Table 14: Norwegian Non-Life Insurance - Paid Claims by Category (US$ Billion), 2008-2012 Table 15: Norwegian Non-Life Insurance - Paid Claims by Category (NOK Billion), 2012-2017 Table 16: Norwegian Non-Life Insurance - Paid Claims by Category (US$ Billion), 2012-2017 Table 17: Norwegian Non-Life Insurance - Incurred Loss by Category (NOK Billion), 2008-2012 Table 18: Norwegian Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2008-2012 Table 19: Norwegian Non-Life Insurance - Incurred Loss by Category (NOK Billion), 2012-2017 Table 20: Norwegian Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2012-2017 Table 21: Norwegian Non-Life Insurance - Loss Ratio (%), 2008-2012 Table 22: Norwegian Non-Life Insurance - Loss Ratio (%), 2012-2017 Table 23: Norwegian Non-Life Insurance - Commission and Expenses (NOK Billion), 2008-2012 Table 24: Norwegian Non-Life Insurance - Commission and Expenses (NOK Billion), 2012-2017 Table 25: Norwegian Non-Life Insurance - Combined Ratio (%), 2008-2012 Table 26: Norwegian Non-Life Insurance - Combined Ratio (%), 2012-2017 Table 27: Norwegian Non-Life Insurance - Frauds and Crimes (NOK Billion), 2008-2012 Table 28: Norwegian Non-Life Insurance - Frauds and Crimes (NOK Billion), 2012-2017 Table 29: Norwegian Non-Life Insurance - Total Assets (NOK Billion), 2008-2012 Table 30: Norwegian Non-Life Insurance - Total Assets (NOK Billion), 2012-2017 Table 31: Norwegian Non-Life Insurance - Total Investment Income (NOK Billion), 2008-2012 Table 32: Norwegian Non-Life Insurance - Total Investment Income (NOK Billion), 2012-2017 Table 33: Norwegian Non-Life Insurance - Retentions (NOK Billion), 2008-2012 Table 34: Norwegian Non-Life Insurance - Retentions (NOK Billion), 2012-2017 Table 35: Norwegian Property Insurance - Written Premium by Sub-Category (NOK Billion), 2008-2012 Table 36: Norwegian Property Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012 Table 37: Norwegian Property Insurance - Written Premium by Sub-Category (NOK Billion), 2012-2017 Table 38: Norwegian Property Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017 Table 39: Norwegian Property Insurance - Loss Ratio (%), 2008-2012 Table 40: Norwegian Property Insurance - Loss Ratio (%), 2012-2017 Table 41: Norwegian Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 42: Norwegian Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 43: Norwegian Fire and Allied Perils Insurance - Written Premium (NOK Billion), 2008-2012 Table 44: Norwegian Fire and Allied Perils Insurance - Written Premium (NOK Billion), 2012-2017 Table 45: Norwegian Engineering Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 46: Norwegian Engineering Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 47: Norwegian Engineering Insurance - Written Premium (NOK Billion), 2008-2012 Table 48: Norwegian Engineering Insurance - Written Premium (NOK Billion), 2012-2017 Table 49: Norwegian Agriculture Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 50: Norwegian Agriculture Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 51: Norwegian Agriculture Insurance - Written Premium (NOK Billion), 2008-2012 Table 52: Norwegian Agriculture Insurance - Written Premium (NOK Billion), 2012-2017 Table 53: Norwegian Other Property Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 54: Norwegian Other Property Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 55: Norwegian Other Property Insurance - Written Premium (NOK Billion), 2008-2012 Table 56: Norwegian Other Property Insurance - Written Premium (NOK Billion), 2012-2017 Table 57: Norwegian Motor Insurance - Written Premium by Sub-Category (NOK Billion), 2008-2012 Table 58: Norwegian Motor Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012 Table 59: Norwegian Motor Insurance - Written Premium by Sub-Category (NOK Billion), 2012-2017 Table 60: Norwegian Motor Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017 Table 61: Norwegian Motor Insurance - Loss Ratio (%), 2008-2012 Table 62: Norwegian Motor Insurance - Loss Ratio (%), 2012-2017 Table 63: Norwegian Motor Hull Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 64: Norwegian Motor Hull Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 65: Norwegian Motor Hull Insurance - Written Premium (NOK Billion), 2008-2012 Table 66: Norwegian Motor Hull Insurance - Written Premium (NOK Billion), 2012-2017 Table 67: Norwegian Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 68: Norwegian Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 69: Norwegian Motor Third-Party Insurance - Written Premium (NOK Billion), 2008-2012 Table 70: Norwegian Motor Third-Party Insurance - Written Premium (NOK Billion), 2012-2017 Table 71: Norwegian General Third-Party Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 72: Norwegian General Third-Party Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 73: Norwegian General Third-Party Insurance - Written Premium (NOK Billion), 2008-2012 Table 74: Norwegian General Third-Party Insurance - Written Premium (NOK Billion), 2012-2017 Table 75: Norwegian General Third-Party Insurance - Loss Ratio (%), 2008-2012 Table 76: Norwegian General Third-Party Insurance - Loss Ratio (%), 2012-2017 Table 77: Norwegian Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (NOK Billion), 2008-2012 Table 78: Norwegian Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012 Table 79: Norwegian Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (NOK Billion), 2012-2017 Table 80: Norwegian Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017 Table 81: Norwegian Marine, Aviation and Transit Insurance - Loss Ratio (%), 2008-2012 Table 82: Norwegian Marine, Aviation and Transit Insurance - Loss Ratio (%), 2012-2017 Table 83: Norwegian Marine Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 84: Norwegian Marine Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 85: Norwegian Marine Insurance - Written Premium (NOK Billion), 2008-2012 Table 86: Norwegian Marine Insurance - Written Premium (NOK Billion), 2012-2017 Table 87: Norwegian Transit Insurance - Number of Policies Sold (Thousand), 2008-2012 Table 88: Norwegian Transit Insurance - Number of Policies Sold (Thousand), 2012-2017 Table 89: Norwegian Transit Insurance - Written Premium (NOK Billion), 2008-2012 Table 90: Norwegian Transit Insurance - Written Premium (NOK Billion), 2012-2017 Table 91: Norwegian Non-Life Insurance - Direct Marketing Commission Paid (NOK Billion), 2008-2012 Table 92: Norwegian Non-Life Insurance - Direct Marketing Commission Paid (NOK Billion), 2012-2017 Table 93: Norwegian Non-Life Insurance - Written Premium Through Direct Marketing (NOK Billion), 2008-2012 Table 94: Norwegian Non-Life Insurance - Written Premium Through Direct Marketing (NOK Billion), 2012-2017 Table 95: Norwegian Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012 Table 96: Norwegian Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017 Table 97: Norwegian Non-Life Insurance - Number of Direct Marketing Distributors, 2008-2012 Table 98: Norwegian Non-Life Insurance - Number of Direct Marketing Distributors, 2012-2017 Table 99: Norwegian Non-Life Insurance - Bancassurance Commission Paid (NOK Billion), 2008-2012 Table 100: Norwegian Non-Life Insurance - Bancassurance Commission Paid (NOK Billion), 2012-2017 Table 101: Norwegian Non-Life Insurance - Written Premium Through Bancassurance (NOK Billion), 2008-2012 Table 102: Norwegian Non-Life Insurance - Written Premium Through Bancassurance (NOK Billion), 2012-2017 Table 103: Norwegian Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012 Table 104: Norwegian Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017 Table 105: Norwegian Non-Life Insurance - Number of Bancassurance Distributors, 2008-2012 Table 106: Norwegian Non-Life Insurance - Number of Bancassurance Distributors, 2012-2017 Table 107: Norwegian Non-Life Insurance - Commission Paid to Agencies (NOK Billion), 2008-2012 Table 108: Norwegian Non-Life Insurance - Commission Paid to Agencies (NOK Billion), 2012-2017 Table 109: Norwegian Non-Life Insurance - Written Premium Through Agencies (NOK Billion), 2008-2012 Table 110: Norwegian Non-Life Insurance - Written Premium Through Agencies (NOK Billion), 2012-2017 Table 111: Norwegian Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2008-2012 Table 112: Norwegian Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2012-2017 Table 113: Norwegian Non-Life Insurance - Number of Agencies, 2008-2012 Table 114: Norwegian Non-Life Insurance - Number of Agencies, 2012-2017 Table 115: Norwegian Non-Life Insurance - E-Commerce Commission Paid (NOK Million), 2008-2012 Table 116: Norwegian Non-Life Insurance - E-Commerce Commission Paid (NOK Million), 2012-2017 Table 117: Norwegian Non-Life Insurance - Written Premium Through E-Commerce (NOK Billion), 2008-2012 Table 118: Norwegian Non-Life Insurance - Written Premium Through E-Commerce (NOK Billion), 2012-2017 Table 119: Norwegian Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012 Table 120: Norwegian Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017 Table 121: Norwegian Non-Life Insurance - Number of E-Commerce Distributors, 2008-2012 Table 122: Norwegian Non-Life Insurance - Number of E-Commerce Distributors, 2012-2017 Table 123: Norwegian Non-Life Insurance - Commission Paid to Brokers (NOK Billion), 2008-2012 Table 124: Norwegian Non-Life Insurance - Commission Paid to Brokers (NOK Billion), 2012-2017 Table 125: Norwegian Non-Life Insurance - Written Premium Through Brokers (NOK Billion), 2008-2012 Table 126: Norwegian Non-Life Insurance - Written Premium Through Brokers (NOK Billion), 2012-2017 Table 127: Norwegian Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2008-2012 Table 128: Norwegian Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2012-2017 Table 129: Norwegian Non-Life Insurance - Number of Brokers, 2008-2012 Table 130: Norwegian Non-Life Insurance - Number of Brokers, 2012-2017 Table 131: Norwegian Non-Life Insurance - Commission Paid to Other Channels (NOK Billion), 2008-2012 Table 132: Norwegian Non-Life Insurance - Commission Paid to Other Channels (NOK Billion), 2012-2017 Table 133: Norwegian Non-Life Insurance - Written Premium Through Other Channels (NOK Billion), 2008-2012 Table 134: Norwegian Non-Life Insurance - Written Premium Through Other Channels (NOK Billion), 2012-2017 Table 135: Norwegian Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012 Table 136: Norwegian Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017 Table 137: Norwegian Non-Life Insurance - Number of Distributors in Other Channels, 2008-2012 Table 138: Norwegian Non-Life Insurance - Number of Distributors in Other Channels, 2012-2017 Table 139: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2008-2012 Table 140: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008-2012 Table 141: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2012-2017 Table 142: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012-2017 Table 143: Norwegian Life Insurance - Percentage of Reinsurance Ceded (%), 2008-2012 Table 144: Norwegian Life Insurance - Percentage of Reinsurance Ceded (%), 2012-2017 Table 145: Norway - Corporation Tax Rates for the Financial Year 2013 Table 146: Shares of Key Insurers in the Norwegian Non-Life Insurance Segment (%), 2012 Table 147: Gjensidige Forsikring ASA, Key Facts Table 148: Gjensidige Forsikring ASA, Key Financials (NOK Million), 2008-2012 Table 149: If Skadeforsikrin NUF, Key Facts Table 150: If Skadeforsikrin NUF, Key Financials (NOK Million), 2011 and 2012 Table 151: Tryg Forsikring, Key Facts Table 152: Tryg Forsikring, Key Financials (NOK Million), 2008-2012 Table 153: Sparebank 1 Forsikring, Key Facts Table 154: Sparebank 1 Forsikrin, Key Financials (NOK Million), 2008-2012 Table 155: DNB Forsikring, Key Facts Table 156: Eika Forsikring AS, Key Facts Table 157: Eika Forsikring AS, Key Financials (NOK Million), 2008-2012 Table 158: Codan Forsikring, Key Facts Table 159: Protector Forsikring ASA, Key Facts Table 160: Protector Forsikring ASA, Key Financials (NOK Million), 2008-2012 Table 161: Frende Skadeforsikring AS, Key Facts Table 162: Frende Skadeforsikring AS, Key Financials (NOK Million), 2008-2012 Table 163: Storebrand, Key Facts



                                

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