Insurance provisions

Property and Casualty insurance provisions
(€ million)31.12.201330.09.201331.12.2012
Net provisions for unearned premiums 5,027 5,241 5,213
Net provisions for outstanding claims 24,076 24,239 23,751
Other net provisions 430 414 394
Property&Casualty insurance provisions 29,533 29,894 29,358
of which Motor 13,503 13,376 12,937
of which Non Motor 16,030 16,518 16,420
Property and Casualty before-taxes insurance provisions
 Direct insuranceAccepted reinsuranceTotal
(€ million)31.12.201331.12.201231.12.201331.12.201231.12.201331.12.2012
Non-life insurance provisions(*) 31,511 32,970 1,461 1,506 32,972 34,475
Provisions for unearned premiums 5,350 6,417 180 168 5,530 6,586
Provisions for outstanding claims 25,729 26,148 1,276 1,331 27,005 27,480
Other insurance provisions 432 405 5 6 437 410
of which provisions for liability adequacy
test
14 11 0 0 14 11

(*) After the elimination of intra-group transactions between segments.

Amounts ceded to reinsurers from insurance provisions
 Direct insuranceAccepted reinsuranceTotal book value
(€ million)31.12.201331.12.201231.12.201331.12.201231.12.201331.12.2012
Non-life amounts ceded to reinsurers from insurance provisions (**) 2,454 2,865 985 1,030 3,439 3,895
Provisions for unearned premiums 421 527 82 98 503 626
Provisions for outstanding claims 2,028 2,332 900 932 2,929 3,263
Other insurance provisions 4 6 3 0 7 6

(**) After the elimination of intra-group transactions between segments.

Provisions for outstanding claims
 Gross direct insurance
(in milioni di euro)31.12.201331.12.2012
Motor 11,341 11,315
Non motor 14,388 14,833
Personal and commercial lines 11,990 12,391
Accident/Health(***) 2,398 2,443
Total 25,729 26,148

(***) Life segment includes health insurance with life features

Non-life insurance provisions: maturity
 Gross direct amount
(€ million)31.12.201331.12.2012
Up to 1 year 11,801 12,320
Between 1 and 5 years 11,370 12,268
Between 6 and 10 years 4,277 4,377
Between 11 and 20 years 3,630 3,600
More than 20 years 0 0
Total 31,079 32,565
Assicurazioni Generali S.p.A. - C.F. e P.IVA 00079760328