Non-Life Volume Measure

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Article 116 Premium Bases and Reinsurance Netting

Segment	Basis	Gross	Total Reinsurance	Non-Insurance / Settled	Non-Compliant	Net
Motor Vehicle Liability	Premiums Next 12m	Motor Vehicle Liability Premiums Next 12m gross€	Motor Vehicle Liability Premiums Next 12m reinsurance_total€	Motor Vehicle Liability Premiums Next 12m reinsurance_non_insurance€	Motor Vehicle Liability Premiums Next 12m reinsurance_non_compliant€	€64 778 605
	Premiums Prior 12m	Motor Vehicle Liability Premiums Prior 12m gross€	Motor Vehicle Liability Premiums Prior 12m reinsurance_total€	Motor Vehicle Liability Premiums Prior 12m reinsurance_non_insurance€	Motor Vehicle Liability Premiums Prior 12m reinsurance_non_compliant€	€62 187 461
	Future Existing Contracts	Motor Vehicle Liability Future Existing Contracts gross€	Motor Vehicle Liability Future Existing Contracts reinsurance_total€	Motor Vehicle Liability Future Existing Contracts reinsurance_non_insurance€	Motor Vehicle Liability Future Existing Contracts reinsurance_non_compliant€	€10 364 577
	Future Renewals <= 1y	Motor Vehicle Liability Future Renewals <= 1y gross€	Motor Vehicle Liability Future Renewals <= 1y reinsurance_total€	Motor Vehicle Liability Future Renewals <= 1y reinsurance_non_insurance€	Motor Vehicle Liability Future Renewals <= 1y reinsurance_non_compliant€	€3 109 368
	Future Initial Term > 1y	Motor Vehicle Liability Future Initial Term > 1y gross€	Motor Vehicle Liability Future Initial Term > 1y reinsurance_total€	Motor Vehicle Liability Future Initial Term > 1y reinsurance_non_insurance€	Motor Vehicle Liability Future Initial Term > 1y reinsurance_non_compliant€	€4 664 052
Other Motor	Premiums Next 12m	Other Motor Premiums Next 12m gross€	Other Motor Premiums Next 12m reinsurance_total€	Other Motor Premiums Next 12m reinsurance_non_insurance€	Other Motor Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Other Motor Premiums Prior 12m gross€	Other Motor Premiums Prior 12m reinsurance_total€	Other Motor Premiums Prior 12m reinsurance_non_insurance€	Other Motor Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Other Motor Future Existing Contracts gross€	Other Motor Future Existing Contracts reinsurance_total€	Other Motor Future Existing Contracts reinsurance_non_insurance€	Other Motor Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Other Motor Future Renewals <= 1y gross€	Other Motor Future Renewals <= 1y reinsurance_total€	Other Motor Future Renewals <= 1y reinsurance_non_insurance€	Other Motor Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Other Motor Future Initial Term > 1y gross€	Other Motor Future Initial Term > 1y reinsurance_total€	Other Motor Future Initial Term > 1y reinsurance_non_insurance€	Other Motor Future Initial Term > 1y reinsurance_non_compliant€	€0
Marine, Aviation and Transport	Premiums Next 12m	Marine, Aviation and Transport Premiums Next 12m gross€	Marine, Aviation and Transport Premiums Next 12m reinsurance_total€	Marine, Aviation and Transport Premiums Next 12m reinsurance_non_insurance€	Marine, Aviation and Transport Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Marine, Aviation and Transport Premiums Prior 12m gross€	Marine, Aviation and Transport Premiums Prior 12m reinsurance_total€	Marine, Aviation and Transport Premiums Prior 12m reinsurance_non_insurance€	Marine, Aviation and Transport Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Marine, Aviation and Transport Future Existing Contracts gross€	Marine, Aviation and Transport Future Existing Contracts reinsurance_total€	Marine, Aviation and Transport Future Existing Contracts reinsurance_non_insurance€	Marine, Aviation and Transport Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Marine, Aviation and Transport Future Renewals <= 1y gross€	Marine, Aviation and Transport Future Renewals <= 1y reinsurance_total€	Marine, Aviation and Transport Future Renewals <= 1y reinsurance_non_insurance€	Marine, Aviation and Transport Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Marine, Aviation and Transport Future Initial Term > 1y gross€	Marine, Aviation and Transport Future Initial Term > 1y reinsurance_total€	Marine, Aviation and Transport Future Initial Term > 1y reinsurance_non_insurance€	Marine, Aviation and Transport Future Initial Term > 1y reinsurance_non_compliant€	€0
Fire and Property	Premiums Next 12m	Fire and Property Premiums Next 12m gross€	Fire and Property Premiums Next 12m reinsurance_total€	Fire and Property Premiums Next 12m reinsurance_non_insurance€	Fire and Property Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Fire and Property Premiums Prior 12m gross€	Fire and Property Premiums Prior 12m reinsurance_total€	Fire and Property Premiums Prior 12m reinsurance_non_insurance€	Fire and Property Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Fire and Property Future Existing Contracts gross€	Fire and Property Future Existing Contracts reinsurance_total€	Fire and Property Future Existing Contracts reinsurance_non_insurance€	Fire and Property Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Fire and Property Future Renewals <= 1y gross€	Fire and Property Future Renewals <= 1y reinsurance_total€	Fire and Property Future Renewals <= 1y reinsurance_non_insurance€	Fire and Property Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Fire and Property Future Initial Term > 1y gross€	Fire and Property Future Initial Term > 1y reinsurance_total€	Fire and Property Future Initial Term > 1y reinsurance_non_insurance€	Fire and Property Future Initial Term > 1y reinsurance_non_compliant€	€0
General Liability	Premiums Next 12m	General Liability Premiums Next 12m gross€	General Liability Premiums Next 12m reinsurance_total€	General Liability Premiums Next 12m reinsurance_non_insurance€	General Liability Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	General Liability Premiums Prior 12m gross€	General Liability Premiums Prior 12m reinsurance_total€	General Liability Premiums Prior 12m reinsurance_non_insurance€	General Liability Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	General Liability Future Existing Contracts gross€	General Liability Future Existing Contracts reinsurance_total€	General Liability Future Existing Contracts reinsurance_non_insurance€	General Liability Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	General Liability Future Renewals <= 1y gross€	General Liability Future Renewals <= 1y reinsurance_total€	General Liability Future Renewals <= 1y reinsurance_non_insurance€	General Liability Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	General Liability Future Initial Term > 1y gross€	General Liability Future Initial Term > 1y reinsurance_total€	General Liability Future Initial Term > 1y reinsurance_non_insurance€	General Liability Future Initial Term > 1y reinsurance_non_compliant€	€0
Credit and Suretyship	Premiums Next 12m	Credit and Suretyship Premiums Next 12m gross€	Credit and Suretyship Premiums Next 12m reinsurance_total€	Credit and Suretyship Premiums Next 12m reinsurance_non_insurance€	Credit and Suretyship Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Credit and Suretyship Premiums Prior 12m gross€	Credit and Suretyship Premiums Prior 12m reinsurance_total€	Credit and Suretyship Premiums Prior 12m reinsurance_non_insurance€	Credit and Suretyship Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Credit and Suretyship Future Existing Contracts gross€	Credit and Suretyship Future Existing Contracts reinsurance_total€	Credit and Suretyship Future Existing Contracts reinsurance_non_insurance€	Credit and Suretyship Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Credit and Suretyship Future Renewals <= 1y gross€	Credit and Suretyship Future Renewals <= 1y reinsurance_total€	Credit and Suretyship Future Renewals <= 1y reinsurance_non_insurance€	Credit and Suretyship Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Credit and Suretyship Future Initial Term > 1y gross€	Credit and Suretyship Future Initial Term > 1y reinsurance_total€	Credit and Suretyship Future Initial Term > 1y reinsurance_non_insurance€	Credit and Suretyship Future Initial Term > 1y reinsurance_non_compliant€	€0
Legal Expenses	Premiums Next 12m	Legal Expenses Premiums Next 12m gross€	Legal Expenses Premiums Next 12m reinsurance_total€	Legal Expenses Premiums Next 12m reinsurance_non_insurance€	Legal Expenses Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Legal Expenses Premiums Prior 12m gross€	Legal Expenses Premiums Prior 12m reinsurance_total€	Legal Expenses Premiums Prior 12m reinsurance_non_insurance€	Legal Expenses Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Legal Expenses Future Existing Contracts gross€	Legal Expenses Future Existing Contracts reinsurance_total€	Legal Expenses Future Existing Contracts reinsurance_non_insurance€	Legal Expenses Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Legal Expenses Future Renewals <= 1y gross€	Legal Expenses Future Renewals <= 1y reinsurance_total€	Legal Expenses Future Renewals <= 1y reinsurance_non_insurance€	Legal Expenses Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Legal Expenses Future Initial Term > 1y gross€	Legal Expenses Future Initial Term > 1y reinsurance_total€	Legal Expenses Future Initial Term > 1y reinsurance_non_insurance€	Legal Expenses Future Initial Term > 1y reinsurance_non_compliant€	€0
Assistance	Premiums Next 12m	Assistance Premiums Next 12m gross€	Assistance Premiums Next 12m reinsurance_total€	Assistance Premiums Next 12m reinsurance_non_insurance€	Assistance Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Assistance Premiums Prior 12m gross€	Assistance Premiums Prior 12m reinsurance_total€	Assistance Premiums Prior 12m reinsurance_non_insurance€	Assistance Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Assistance Future Existing Contracts gross€	Assistance Future Existing Contracts reinsurance_total€	Assistance Future Existing Contracts reinsurance_non_insurance€	Assistance Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Assistance Future Renewals <= 1y gross€	Assistance Future Renewals <= 1y reinsurance_total€	Assistance Future Renewals <= 1y reinsurance_non_insurance€	Assistance Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Assistance Future Initial Term > 1y gross€	Assistance Future Initial Term > 1y reinsurance_total€	Assistance Future Initial Term > 1y reinsurance_non_insurance€	Assistance Future Initial Term > 1y reinsurance_non_compliant€	€0
Miscellaneous Financial Loss	Premiums Next 12m	Miscellaneous Financial Loss Premiums Next 12m gross€	Miscellaneous Financial Loss Premiums Next 12m reinsurance_total€	Miscellaneous Financial Loss Premiums Next 12m reinsurance_non_insurance€	Miscellaneous Financial Loss Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Miscellaneous Financial Loss Premiums Prior 12m gross€	Miscellaneous Financial Loss Premiums Prior 12m reinsurance_total€	Miscellaneous Financial Loss Premiums Prior 12m reinsurance_non_insurance€	Miscellaneous Financial Loss Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Miscellaneous Financial Loss Future Existing Contracts gross€	Miscellaneous Financial Loss Future Existing Contracts reinsurance_total€	Miscellaneous Financial Loss Future Existing Contracts reinsurance_non_insurance€	Miscellaneous Financial Loss Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Miscellaneous Financial Loss Future Renewals <= 1y gross€	Miscellaneous Financial Loss Future Renewals <= 1y reinsurance_total€	Miscellaneous Financial Loss Future Renewals <= 1y reinsurance_non_insurance€	Miscellaneous Financial Loss Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Miscellaneous Financial Loss Future Initial Term > 1y gross€	Miscellaneous Financial Loss Future Initial Term > 1y reinsurance_total€	Miscellaneous Financial Loss Future Initial Term > 1y reinsurance_non_insurance€	Miscellaneous Financial Loss Future Initial Term > 1y reinsurance_non_compliant€	€0
Non-Proportional Casualty	Premiums Next 12m	Non-Proportional Casualty Premiums Next 12m gross€	Non-Proportional Casualty Premiums Next 12m reinsurance_total€	Non-Proportional Casualty Premiums Next 12m reinsurance_non_insurance€	Non-Proportional Casualty Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Non-Proportional Casualty Premiums Prior 12m gross€	Non-Proportional Casualty Premiums Prior 12m reinsurance_total€	Non-Proportional Casualty Premiums Prior 12m reinsurance_non_insurance€	Non-Proportional Casualty Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Non-Proportional Casualty Future Existing Contracts gross€	Non-Proportional Casualty Future Existing Contracts reinsurance_total€	Non-Proportional Casualty Future Existing Contracts reinsurance_non_insurance€	Non-Proportional Casualty Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Non-Proportional Casualty Future Renewals <= 1y gross€	Non-Proportional Casualty Future Renewals <= 1y reinsurance_total€	Non-Proportional Casualty Future Renewals <= 1y reinsurance_non_insurance€	Non-Proportional Casualty Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Non-Proportional Casualty Future Initial Term > 1y gross€	Non-Proportional Casualty Future Initial Term > 1y reinsurance_total€	Non-Proportional Casualty Future Initial Term > 1y reinsurance_non_insurance€	Non-Proportional Casualty Future Initial Term > 1y reinsurance_non_compliant€	€0
Non-Proportional MAT	Premiums Next 12m	Non-Proportional MAT Premiums Next 12m gross€	Non-Proportional MAT Premiums Next 12m reinsurance_total€	Non-Proportional MAT Premiums Next 12m reinsurance_non_insurance€	Non-Proportional MAT Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Non-Proportional MAT Premiums Prior 12m gross€	Non-Proportional MAT Premiums Prior 12m reinsurance_total€	Non-Proportional MAT Premiums Prior 12m reinsurance_non_insurance€	Non-Proportional MAT Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Non-Proportional MAT Future Existing Contracts gross€	Non-Proportional MAT Future Existing Contracts reinsurance_total€	Non-Proportional MAT Future Existing Contracts reinsurance_non_insurance€	Non-Proportional MAT Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Non-Proportional MAT Future Renewals <= 1y gross€	Non-Proportional MAT Future Renewals <= 1y reinsurance_total€	Non-Proportional MAT Future Renewals <= 1y reinsurance_non_insurance€	Non-Proportional MAT Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Non-Proportional MAT Future Initial Term > 1y gross€	Non-Proportional MAT Future Initial Term > 1y reinsurance_total€	Non-Proportional MAT Future Initial Term > 1y reinsurance_non_insurance€	Non-Proportional MAT Future Initial Term > 1y reinsurance_non_compliant€	€0
Non-Proportional Property	Premiums Next 12m	Non-Proportional Property Premiums Next 12m gross€	Non-Proportional Property Premiums Next 12m reinsurance_total€	Non-Proportional Property Premiums Next 12m reinsurance_non_insurance€	Non-Proportional Property Premiums Next 12m reinsurance_non_compliant€	€0
	Premiums Prior 12m	Non-Proportional Property Premiums Prior 12m gross€	Non-Proportional Property Premiums Prior 12m reinsurance_total€	Non-Proportional Property Premiums Prior 12m reinsurance_non_insurance€	Non-Proportional Property Premiums Prior 12m reinsurance_non_compliant€	€0
	Future Existing Contracts	Non-Proportional Property Future Existing Contracts gross€	Non-Proportional Property Future Existing Contracts reinsurance_total€	Non-Proportional Property Future Existing Contracts reinsurance_non_insurance€	Non-Proportional Property Future Existing Contracts reinsurance_non_compliant€	€0
	Future Renewals <= 1y	Non-Proportional Property Future Renewals <= 1y gross€	Non-Proportional Property Future Renewals <= 1y reinsurance_total€	Non-Proportional Property Future Renewals <= 1y reinsurance_non_insurance€	Non-Proportional Property Future Renewals <= 1y reinsurance_non_compliant€	€0
	Future Initial Term > 1y	Non-Proportional Property Future Initial Term > 1y gross€	Non-Proportional Property Future Initial Term > 1y reinsurance_total€	Non-Proportional Property Future Initial Term > 1y reinsurance_non_insurance€	Non-Proportional Property Future Initial Term > 1y reinsurance_non_compliant€	€0

Segment Reserve, Method, and Volume Measure

Segment	Claims BE	Alt. Method	USP Geo	Premium Volume	Reserve Volume	Geo Factor
Motor Vehicle Liability	Motor Vehicle Liability claims best estimate€	Motor Vehicle Liability alternative method	Motor Vehicle Liability uses undertaking-specific parameter	€79 651 766	€38 867 163	100.0%
Other Motor	Other Motor claims best estimate€	Other Motor alternative method	Other Motor uses undertaking-specific parameter	€0	€0	100.0%
Marine, Aviation and Transport	Marine, Aviation and Transport claims best estimate€	Marine, Aviation and Transport alternative method	Marine, Aviation and Transport uses undertaking-specific parameter	€0	€0	100.0%
Fire and Property	Fire and Property claims best estimate€	Fire and Property alternative method	Fire and Property uses undertaking-specific parameter	€0	€0	100.0%
General Liability	General Liability claims best estimate€	General Liability alternative method	General Liability uses undertaking-specific parameter	€0	€0	100.0%
Credit and Suretyship	Credit and Suretyship claims best estimate€	Credit and Suretyship alternative method	Credit and Suretyship uses undertaking-specific parameter	€0	€0	100.0%
Legal Expenses	Legal Expenses claims best estimate€	Legal Expenses alternative method	Legal Expenses uses undertaking-specific parameter	€0	€0	100.0%
Assistance	Assistance claims best estimate€	Assistance alternative method	Assistance uses undertaking-specific parameter	€0	€0	100.0%
Miscellaneous Financial Loss	Miscellaneous Financial Loss claims best estimate€	Miscellaneous Financial Loss alternative method	Miscellaneous Financial Loss uses undertaking-specific parameter	€0	€0	100.0%
Non-Proportional Casualty	Non-Proportional Casualty claims best estimate€	Non-Proportional Casualty alternative method	Non-Proportional Casualty uses undertaking-specific parameter	€0	€0	100.0%
Non-Proportional MAT	Non-Proportional MAT claims best estimate€	Non-Proportional MAT alternative method	Non-Proportional MAT uses undertaking-specific parameter	€0	€0	100.0%
Non-Proportional Property	Non-Proportional Property claims best estimate€	Non-Proportional Property alternative method	Non-Proportional Property uses undertaking-specific parameter	€0	€0	100.0%

Annex III Regional Volume Split

Segment	Northern Europe	Western Europe	Eastern Europe	Southern Europe	Central and Western Asia	Eastern Asia	South and South-Eastern Asia	Oceania	Northern Africa	Southern Africa	Northern America ex-US	Caribbean and Central America	Eastern South America	Rest of South America	US North-East	US South-East	US Mid-West	US West
Motor Vehicle Liability	Motor Vehicle Liability Northern Europe volume measure€	Motor Vehicle Liability Western Europe volume measure€	Motor Vehicle Liability Eastern Europe volume measure€	Motor Vehicle Liability Southern Europe volume measure€	Motor Vehicle Liability Central and Western Asia volume measure€	Motor Vehicle Liability Eastern Asia volume measure€	Motor Vehicle Liability South and South-Eastern Asia volume measure€	Motor Vehicle Liability Oceania volume measure€	Motor Vehicle Liability Northern Africa volume measure€	Motor Vehicle Liability Southern Africa volume measure€	Motor Vehicle Liability Northern America ex-US volume measure€	Motor Vehicle Liability Caribbean and Central America volume measure€	Motor Vehicle Liability Eastern South America volume measure€	Motor Vehicle Liability Rest of South America volume measure€	Motor Vehicle Liability US North-East volume measure€	Motor Vehicle Liability US South-East volume measure€	Motor Vehicle Liability US Mid-West volume measure€	Motor Vehicle Liability US West volume measure€
Other Motor	Other Motor Northern Europe volume measure€	Other Motor Western Europe volume measure€	Other Motor Eastern Europe volume measure€	Other Motor Southern Europe volume measure€	Other Motor Central and Western Asia volume measure€	Other Motor Eastern Asia volume measure€	Other Motor South and South-Eastern Asia volume measure€	Other Motor Oceania volume measure€	Other Motor Northern Africa volume measure€	Other Motor Southern Africa volume measure€	Other Motor Northern America ex-US volume measure€	Other Motor Caribbean and Central America volume measure€	Other Motor Eastern South America volume measure€	Other Motor Rest of South America volume measure€	Other Motor US North-East volume measure€	Other Motor US South-East volume measure€	Other Motor US Mid-West volume measure€	Other Motor US West volume measure€
Marine, Aviation and Transport	Marine, Aviation and Transport Northern Europe volume measure€	Marine, Aviation and Transport Western Europe volume measure€	Marine, Aviation and Transport Eastern Europe volume measure€	Marine, Aviation and Transport Southern Europe volume measure€	Marine, Aviation and Transport Central and Western Asia volume measure€	Marine, Aviation and Transport Eastern Asia volume measure€	Marine, Aviation and Transport South and South-Eastern Asia volume measure€	Marine, Aviation and Transport Oceania volume measure€	Marine, Aviation and Transport Northern Africa volume measure€	Marine, Aviation and Transport Southern Africa volume measure€	Marine, Aviation and Transport Northern America ex-US volume measure€	Marine, Aviation and Transport Caribbean and Central America volume measure€	Marine, Aviation and Transport Eastern South America volume measure€	Marine, Aviation and Transport Rest of South America volume measure€	Marine, Aviation and Transport US North-East volume measure€	Marine, Aviation and Transport US South-East volume measure€	Marine, Aviation and Transport US Mid-West volume measure€	Marine, Aviation and Transport US West volume measure€
Fire and Property	Fire and Property Northern Europe volume measure€	Fire and Property Western Europe volume measure€	Fire and Property Eastern Europe volume measure€	Fire and Property Southern Europe volume measure€	Fire and Property Central and Western Asia volume measure€	Fire and Property Eastern Asia volume measure€	Fire and Property South and South-Eastern Asia volume measure€	Fire and Property Oceania volume measure€	Fire and Property Northern Africa volume measure€	Fire and Property Southern Africa volume measure€	Fire and Property Northern America ex-US volume measure€	Fire and Property Caribbean and Central America volume measure€	Fire and Property Eastern South America volume measure€	Fire and Property Rest of South America volume measure€	Fire and Property US North-East volume measure€	Fire and Property US South-East volume measure€	Fire and Property US Mid-West volume measure€	Fire and Property US West volume measure€
General Liability	General Liability Northern Europe volume measure€	General Liability Western Europe volume measure€	General Liability Eastern Europe volume measure€	General Liability Southern Europe volume measure€	General Liability Central and Western Asia volume measure€	General Liability Eastern Asia volume measure€	General Liability South and South-Eastern Asia volume measure€	General Liability Oceania volume measure€	General Liability Northern Africa volume measure€	General Liability Southern Africa volume measure€	General Liability Northern America ex-US volume measure€	General Liability Caribbean and Central America volume measure€	General Liability Eastern South America volume measure€	General Liability Rest of South America volume measure€	General Liability US North-East volume measure€	General Liability US South-East volume measure€	General Liability US Mid-West volume measure€	General Liability US West volume measure€
Credit and Suretyship	Credit and Suretyship Northern Europe volume measure€	Credit and Suretyship Western Europe volume measure€	Credit and Suretyship Eastern Europe volume measure€	Credit and Suretyship Southern Europe volume measure€	Credit and Suretyship Central and Western Asia volume measure€	Credit and Suretyship Eastern Asia volume measure€	Credit and Suretyship South and South-Eastern Asia volume measure€	Credit and Suretyship Oceania volume measure€	Credit and Suretyship Northern Africa volume measure€	Credit and Suretyship Southern Africa volume measure€	Credit and Suretyship Northern America ex-US volume measure€	Credit and Suretyship Caribbean and Central America volume measure€	Credit and Suretyship Eastern South America volume measure€	Credit and Suretyship Rest of South America volume measure€	Credit and Suretyship US North-East volume measure€	Credit and Suretyship US South-East volume measure€	Credit and Suretyship US Mid-West volume measure€	Credit and Suretyship US West volume measure€
Legal Expenses	Legal Expenses Northern Europe volume measure€	Legal Expenses Western Europe volume measure€	Legal Expenses Eastern Europe volume measure€	Legal Expenses Southern Europe volume measure€	Legal Expenses Central and Western Asia volume measure€	Legal Expenses Eastern Asia volume measure€	Legal Expenses South and South-Eastern Asia volume measure€	Legal Expenses Oceania volume measure€	Legal Expenses Northern Africa volume measure€	Legal Expenses Southern Africa volume measure€	Legal Expenses Northern America ex-US volume measure€	Legal Expenses Caribbean and Central America volume measure€	Legal Expenses Eastern South America volume measure€	Legal Expenses Rest of South America volume measure€	Legal Expenses US North-East volume measure€	Legal Expenses US South-East volume measure€	Legal Expenses US Mid-West volume measure€	Legal Expenses US West volume measure€
Assistance	Assistance Northern Europe volume measure€	Assistance Western Europe volume measure€	Assistance Eastern Europe volume measure€	Assistance Southern Europe volume measure€	Assistance Central and Western Asia volume measure€	Assistance Eastern Asia volume measure€	Assistance South and South-Eastern Asia volume measure€	Assistance Oceania volume measure€	Assistance Northern Africa volume measure€	Assistance Southern Africa volume measure€	Assistance Northern America ex-US volume measure€	Assistance Caribbean and Central America volume measure€	Assistance Eastern South America volume measure€	Assistance Rest of South America volume measure€	Assistance US North-East volume measure€	Assistance US South-East volume measure€	Assistance US Mid-West volume measure€	Assistance US West volume measure€
Miscellaneous Financial Loss	Miscellaneous Financial Loss Northern Europe volume measure€	Miscellaneous Financial Loss Western Europe volume measure€	Miscellaneous Financial Loss Eastern Europe volume measure€	Miscellaneous Financial Loss Southern Europe volume measure€	Miscellaneous Financial Loss Central and Western Asia volume measure€	Miscellaneous Financial Loss Eastern Asia volume measure€	Miscellaneous Financial Loss South and South-Eastern Asia volume measure€	Miscellaneous Financial Loss Oceania volume measure€	Miscellaneous Financial Loss Northern Africa volume measure€	Miscellaneous Financial Loss Southern Africa volume measure€	Miscellaneous Financial Loss Northern America ex-US volume measure€	Miscellaneous Financial Loss Caribbean and Central America volume measure€	Miscellaneous Financial Loss Eastern South America volume measure€	Miscellaneous Financial Loss Rest of South America volume measure€	Miscellaneous Financial Loss US North-East volume measure€	Miscellaneous Financial Loss US South-East volume measure€	Miscellaneous Financial Loss US Mid-West volume measure€	Miscellaneous Financial Loss US West volume measure€
Non-Proportional Casualty	Non-Proportional Casualty Northern Europe volume measure€	Non-Proportional Casualty Western Europe volume measure€	Non-Proportional Casualty Eastern Europe volume measure€	Non-Proportional Casualty Southern Europe volume measure€	Non-Proportional Casualty Central and Western Asia volume measure€	Non-Proportional Casualty Eastern Asia volume measure€	Non-Proportional Casualty South and South-Eastern Asia volume measure€	Non-Proportional Casualty Oceania volume measure€	Non-Proportional Casualty Northern Africa volume measure€	Non-Proportional Casualty Southern Africa volume measure€	Non-Proportional Casualty Northern America ex-US volume measure€	Non-Proportional Casualty Caribbean and Central America volume measure€	Non-Proportional Casualty Eastern South America volume measure€	Non-Proportional Casualty Rest of South America volume measure€	Non-Proportional Casualty US North-East volume measure€	Non-Proportional Casualty US South-East volume measure€	Non-Proportional Casualty US Mid-West volume measure€	Non-Proportional Casualty US West volume measure€
Non-Proportional MAT	Non-Proportional MAT Northern Europe volume measure€	Non-Proportional MAT Western Europe volume measure€	Non-Proportional MAT Eastern Europe volume measure€	Non-Proportional MAT Southern Europe volume measure€	Non-Proportional MAT Central and Western Asia volume measure€	Non-Proportional MAT Eastern Asia volume measure€	Non-Proportional MAT South and South-Eastern Asia volume measure€	Non-Proportional MAT Oceania volume measure€	Non-Proportional MAT Northern Africa volume measure€	Non-Proportional MAT Southern Africa volume measure€	Non-Proportional MAT Northern America ex-US volume measure€	Non-Proportional MAT Caribbean and Central America volume measure€	Non-Proportional MAT Eastern South America volume measure€	Non-Proportional MAT Rest of South America volume measure€	Non-Proportional MAT US North-East volume measure€	Non-Proportional MAT US South-East volume measure€	Non-Proportional MAT US Mid-West volume measure€	Non-Proportional MAT US West volume measure€
Non-Proportional Property	Non-Proportional Property Northern Europe volume measure€	Non-Proportional Property Western Europe volume measure€	Non-Proportional Property Eastern Europe volume measure€	Non-Proportional Property Southern Europe volume measure€	Non-Proportional Property Central and Western Asia volume measure€	Non-Proportional Property Eastern Asia volume measure€	Non-Proportional Property South and South-Eastern Asia volume measure€	Non-Proportional Property Oceania volume measure€	Non-Proportional Property Northern Africa volume measure€	Non-Proportional Property Southern Africa volume measure€	Non-Proportional Property Northern America ex-US volume measure€	Non-Proportional Property Caribbean and Central America volume measure€	Non-Proportional Property Eastern South America volume measure€	Non-Proportional Property Rest of South America volume measure€	Non-Proportional Property US North-East volume measure€	Non-Proportional Property US South-East volume measure€	Non-Proportional Property US Mid-West volume measure€	Non-Proportional Property US West volume measure€

Non-Life Volume Measure

Total Non-Life Volume Measure

€118 518 929

Motor Vehicle Liability Volume

€118 518 929

Other Motor Volume

€0

Marine, Aviation and Transport Volume

€0

Fire and Property Volume

€0

General Liability Volume

€0

Other Segments

€0

1Step 1

Net each Article 116 premium basis against admissible reinsurance

P^{net}=P^{gross}-\max(0, RI_{total}-RI_{excluded})

2Step 2

Compute the premium volume measure from next/prior premiums and future premium bases

V_{prem}=\max(P_{next}^{net},P_{prior}^{net})+FP_{existing}^{net}+0.3\,FP_{short}^{net}+0.3\,FP_{long}^{net}

3Step 3

Use net best-estimate claims provisions as the reserve volume measure

V_{res}=\max(0,BE_{claims})

4Step 4

Apply Annex III geographical diversification unless the segment is forced to unity

DIV=\frac{\sqrt{\sum_r V_r^2}}{\sum_r V_r}

5Step 5

Apply the diversification blend and sum all segment volume measures

V_{NL}=\sum_s (V_{prem,s}+V_{res,s})(0.75+0.25DIV_s)

Understand the Non-Life Volume Measure

Overview

This calculator implements the Non-Life Volume Measure within the Solvency II standard formula.^[1] The volume measure is defined as the fundamental net exposure metric used to scale the standard-deviation of premium and reserve risks. It ensures that the capital requirement is proportional to the size of the undertaking's earned-premium income and technical provisions.

Input Terms

Premium Volume Measure (V_prem): The measure of the earned-premiums for the current and future reporting periods.^[1]
Reserve Volume Measure (V_res): The measure of the technical provisions for claims-outstanding, net of reinsurance.
Geographical Diversification Factor (GDF): The technical adjustment for undertakings with high geographic exposure-diversity.

Technical Rationale

The Non-Life Volume Measure is the primary scaling factor for the Premium & Reserve Risk requirement. It ensures that the capital requirement accounts for both the volatility of future claims and the risk of reserve inadequacy.

The calculation aggregates the premium-measure (based on the maximum of past, current, and future premiums) and the reserve-measure (representing the net best-estimate). The volume measures are calculated for each line of business (LoB) and then aggregated using the Geographical Diversification Factor (GDF) where applicable.^[1] This ensures the undertaking holds enough capital to absorb fluctuations in its specific business volume. The final result feeds the Non-Life Underwriting Risk diversifiers.

Important Notes

Regulatory deviation: Material deviation from standard-formula assumptions at this layer may support a capital add-on or a move toward an internal model where justified.^[2]
Reporting: The displayed result is intended to support the corresponding standard-formula component feeding the S.25.01.01 standard-formula reporting view.^[3]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.