NST.06 - Non-life Insurance Claims Information - Detailed split by Distribution Channel and Claims Type.

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1 NST.06 - Non-life Insurance Claims Information - Detailed split by Distribution Channel and Claims Type. The first column of the next table identifies the items to be reported by identifying the columns and lines as showed in the template in Annex I. Line of Business for non-life obligations: The lines of business, referred to in article 80 of the Directive 2009/138/EC, as defined in the Annex I of the [draft] Delegated Acts on Solvency 2 referred to direct business/accepted proportional reinsurance and accepted non-proportional reinsurance. Distribution channels: "Direct" includes all non-intermediated business except where intermediary is a 100% owned subsidiary of the undertaking. "All intermediated including Broker" - all insurance business not included in "Direct". Motor Vehicle line of business is split into Private Motor and Commercial Motor (Commercial Motor to include Motor Fleet and all other Motor excluding Private Motor). Liability is split into Employers Liability and Public Liability. Public Liability to include Professional Indemnity and Products Liability. Workers' compensation insurance relates to no-fault compensation. Health direct insurance business pursued on a non-similar technical basis to life insurance shall be segmented into Non-Life LoB 1 to 3. Accepted proportional reinsurance should be considered together with the direct and broker business. Claims information should be related to Non-life claims only, excluding any annuity claims provisioning. ITEM INSTRUCTIONS A00 Country ISO alpha-2 code of the EEA member A01 Currency ISO Currency Code Identification of the currency of the obligation. For the total of currencies (with or without further currency split), it is required to report in cell currency the ISO code of all the currencies included in the It is required to apply the following criteria: 1) If BE of Claims Provision for a specific Line of business LoB (taking into account all currencies)makes up less than 3% of total gross BE of Claims Provision, then it is not required to report separately the triangles for this LoB for different currencies but only total in reporting currency; 2) if BE of Claims Provisions for a specific LoB (taking into account all currencies) makes up more than 3% of total gross BE of Claims Provision, then it is required to report separately

Line of Business for non-life obligations: The lines of business, referred to in article 80 of the Directive 2009/138/EC, as defined in the Annex I of the [draft] Delegated Acts on Solvency 2

2 the triangles for this LoB for the total (in reporting currency) and for each currency (in the original currency) that makes up : - either more than 25 % of LoB - or more than 5 % of gross BE of claims provisions. For the total of currencies (with or without further currency split), it is required to report in cell currency the ISO code of all the currencies included in the A02 Distribution Channel Distribution channels: Select "Direct" or Intermediated". "Direct" includes all non-intermediated business except where intermediary is a 100% owned subsidiary of the undertaking. "Intermediated" includes Broker and all business not included in "Direct". A03 Line of Business Identification of the line of business reported. A04 Accident or Underwriting Report the standard used by the undertakings for reporting of claims development, i.e. accident (AY) or underwriting (UWY) A05 Claim Type Complete only for Motor and Liability Lines. Options: Private Motor Bodily Injury: 1. Private Motor Property Damage: 2 Commercial Motor Bodily Injury: 3. Commercial Motor Property Damage: 4. Employers Liability: 5. Public Liability (incl. Professional Indemnity and Products): 6. A06 Currency conversion Identify if the information reported by currency is being reported in the original currency (default) or in the reporting currency (otherwise specified). The following close list shall be used: 1 Original currency 2 Reporting currency Only applicable when reporting by currency. A1 Gross Claims Paid (noncumulative) Triangle The Gross Claims Paid, net of salvage and subrogation, in a triangle showing the developments of the gross claims payment already made: for each of the accident/underwriting s from N-14 (and prior) and all previous reporting periods to including - N (last reporting ) report the payments already made corresponding at each development (which is the delay between the accident/underwriting date and the payment date). A2 Gross Claims Paid (noncumulative) The data are in absolute amount, non-cumulative and undiscounted. A Gross payment will be positive Total Current contains the sum of the last diagonal (all data referred to last reporting ), including

For the total of currencies (with or without further currency split), it is required to report in cell currency the ISO code of all the currencies included in the A02 Distribution Channel

3 A3 P1 P2 AE1 AE2 A17 A18 A19 P17 P18 Gross Claims Paid Sum of s (cumulative) Gross undiscounted Best Provisions Gross Best Estimate Claims Provisions Year end (discounted data) Gross Reported but not Settled Claims (RBNS) Triangle Gross Reported but not Settled Claims (RBNS) Year end (discounted data) received (noncumulative) received (noncumulative) received Sum of s (cumulative) Undiscounted Best Provisions Reinsurance recoverable Best Provisions Reinsurance including Triangles of undiscounted best estimate of claims provisions, gross of reinsurance for each of the accident/underwriting s from N-14 (and prior) and all previous reporting periods to including - N (last reporting ). The best estimate for claims provision relates to claims events occurred before or at the valuation date, whether the claims arising from these events have been reported or not. In the triangle is required to report undiscounted data. A Gross increase in Reserve will be positive A Gross increase in Reserve will be positive. - N (last reporting ) of provisions in respect of claim events that have happened and been reported to the insurer, but have not yet been settled, excluding IBNR (incurred but not reported claims). These may be case-by-case reserves estimated by claim handlers and do not need to be on a best estimate Solvency II basis. The RBNS should be measured using consistent reserve strength over time. A Gross increase in Reserve will be positive A Gross increase in Reserve will be positive. - N (last reporting ) of payments, reported in the Gross Claims Paid (non-cumulative), covered by a reinsurance contract Total Current contains the sum of the last diagonal (all data referred to last reporting ), including including. Provisions referred to the amounts recoverable from reinsurance contracts and special purpose vehicles. In the triangle is required to reported undiscounted data, while the column Year end will contain data on discounted basis.

Best Provisions Reinsurance recoverable Best Provisions Reinsurance including Triangles of undiscounted best estimate of claims provisions, gross of reinsurance for each of the accident/underwriting

4 AE17 AE18 A20 A21 A22 P20 recoverable Year end (discounted data) Reinsurance RBNS Claims Reinsurance RBNS Claims Year end Net Claims Paid (noncumulative) Net Claims Paid (noncumulative) Net Claims Paid Sum of (cumulative) Net Undiscounted Best Provisions P21 Net Undiscounted Best Provisions Year end (discounted data) AE20 Net RBNS Claims Triangle AE21 Net RBNS Claims Year end Additional information: INFLATION RATES (only in the case of using methods that take into account inflation to adjust data) A23 Historic inflation rate total A24 Historic inflation rate external inflation A25 Historic inflation rate endogenous inflation - N (last reporting ) of reinsurance share of provisions, reported in the Gross Reported but not Settled Claims (RBNS), covered by a reinsurance contract. - N (last reporting ) of claims paid (net of salvage/subrogation) and reinsurance Total Current contains the sum of the last diagonal (all data referred to last reporting ), including including - N (last reporting ) of Best Estimate of Claims Provisions, net of reinsurance. - N (last reporting ) of Claims Outstanding net of salvage/subrogation and reinsurance. In the case of use of run-off techniques that explicitly take into account inflation in order to adjust data report the following information By, and for the 15 s, historic inflation rate used to adjusted historical paid losses triangles If applicable, by, and for the 15 s, historic external inflation: which is the economic or general inflation, i.e. the increase of the price of goods and services in an specific economy (e.g. Consumer Price Index, Producer Price Index, etc If applicable, by, and for the 15 s, historic endogenous inflation: which is an increase of claim costs specific of the line of business under consideration

information: INFLATION RATES (only in the case of using methods that take into account inflation to adjust data) A23 Historic inflation rate total A24 Historic inflation rate external inflation A25

5 A26 Expected inflation rate total A27 Expected inflation rate external inflation A28 Expected inflation rate endogenous inflation A29 Description of inflation rate used By, and for the 15 s, expected inflation rate used to adjusted historical paid losses triangles If applicable, by, and for the 15 s, expected external inflation: which is the economic or general inflation, i.e. the increase of the price of goods and services in an specific economy (e.g. Consumer Price Index, Producer Price Index, etc If applicable, by, and for the 15 s, expected endogenous inflation: which is an increase of claim costs specific of the line of business under consideration Narrative description of inflation rate used

or general inflation, i.e. the increase of the price of goods and services in an specific economy (e.g. Consumer Price Index, Producer Price Index, etc If applicable, by, and

This amount shall be net of any recoverable from reinsurance contract/spv and Finite Re related to this business. C0020 to C0390/R0010 (A1 to AL1)

This amount shall be net of any recoverable from reinsurance contract/spv and Finite Re related to this business. C0020 to C0390/R0010 (A1 to AL1) NST.03 - Non-life Technical Provisions - Detailed Split by LOB and Distribution Channel General comments: Line of Business for non-life obligations: The lines of, referred to in article 80 of the Directive