دوﻟﺔ اﻹﻤﺎرات اﻟﻌرﺒﻴﺔ اﻟﻤﺘﺤدة ھﯾﺋﺔ اﻟﺗﺄﻣﯾن

(1)

ةدحجملا تيبرعلا ثاراملإا تلود نيمأتلا ةئيه

UNITED ARAB EMIRATES

Insurance Authority

زاســـــػإ :

ٍٛيأخنا تئْٛ

(2)

ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

َٙسؼسٚ

أ ٌ أ ٘صنا ُٕ٘سنا طٚطمزنا وسل أ

ّرسػ

ٍٛيأزنا خئْٛ

ٍػ طبشَ

خنٔز ٙف ٍٛيأزنا عبطل

لإا وبػ للاذ حسحزًنا خٛثطؼنا داضبي ٍٛيأزنا قٕسث خمهؼزًنا تَإجنا ٗهػ فطؼزهن كنشٔ 2007

خنٔسنا ٙف

ٙف ًلايآ ، أ

ْٕٔ ّهجأ ٍي سػأ ٘صنا فسٓنا طٚطمزنا اصْ كمحٚ ٌ ئ

ءبمن ا ىْأ ٗهػ ءٕضن

داظبجَا وبؼنا عبطمنا اصْ

ضبشًنا وبؼنا للاذ ّممح ٘صنا ضٕطزنأ

ئ ًبيبْ ًبؼجطي ٌٕكٚ ٌأٔ ّٛن

شث ًٍٛزًٓنأ ٍٛثحبجهن

ٔؤ بٓجضبذٔ خنٔسنا مذاز ٍٛيأزنا ٌ .

حطًثزسًنا لإيلأا خيبرض ُٙطٕنا زبصزللأن خجسُنبث ٕ٘ٛحنا ِضٔزٔ عبطمنا اصْ خًْٛأ سكإٚٔ

وبػ للاذ ذغهث ٙزنأ ّٛف ( 2007

23.080 )

خجسَ عكطزر ىْضز ٌٕٛهي (

% 57.3 ) ٙف بُٓي

بٓٛهٚ داسُسنأ ىٓسلاا (

% 29.9 ) دبكطش ٙف ًٍْٛبسًنا قٕمح ذغهث بًك ، غئازٕنا ٙف

خُٛطٕنا ٍٛيأزنا (

15.324 )

ٍٛيأزنا عٔطف غًٛجن خُٛفنا دبطبٛزحلأا ذغهثٔ ، ىْضز ٌٕٛهي

( 9.424 )

ٍٛيأزنا عٔطف غًٛجن خجززكًنا طبسللأا ىجح غهث بًك ىْضز ٌٕٛهي (

14.591 )

ٌٕٛهي

بْضسل حزبٚظ خجسُث ىْضز (

% 41.5 ) وبؼث ًبَضبمي . 2006

خنٔسنا ِسٓشر ٘صنا ٙػبًزجلأأ َٙاطًؼنأ ٙػبُصنأ ٘زبصزللأا طبشُنا ضٕطر ٌأ ٙف كشلأ

ٌأ ثٛحٔ ، ضٕطزنا كنصن بٓزجكإي ٖسئ ّمجطًنا ٍَٛإمهن خجلبث ٍٛؼث طظُنا ًبًئاز ٙػسزسٚ

ضاسصئ ىر سمف خطشَلأا غًٛجن خٚبًح طصُػ مثًٚٔ خيبٓنا خٚزبصزللأا دبػبطمنا ٍي ٍٛيأزنا صُي كجطًنا ٌَٕبمهن ًلاٚسث ٍٛيأزهن سٚسج ٌَٕبل ، عبطمنا اصْ ىٛظُر ٗهػ ًاضزبل ٌٕكٛن 1984

ىلض ٘زبحرلاا ٌَٕبمنا ضسص سلٔ

( ) 6 خُسن ّنبًػا ىٛظُرٔ خهمزسي ٍٛيأر خئْٛ ءبشَاث 2007

ٍي ًاضبجزػئ ّث مًؼنا ىرٔ ٍٛيأزنا عبطل ىٛظُر ٙف خؼجزًنا خٛنٔسنا طٛٚبؼًهن ًبمفٔ

/ 28 / 8 و 2007

عبطمنا اصٓث ءبمرضلأا ٙف خٛنبؼفث كنش ىْبسٚ ٌأ ميأَٔ ، .

ٙف خهيبؼنا ٍٛيأزنا دبكطش ٗهػ ًٍٛئبمنا غًٛج ٗنا طٚسمزنأ طكشنبث ّجٕرا زسصنا اصْ ٙفٔ

ظبجَئ ٙف طجكلأا طثلأا بٓن ٌبك ٙزنأ خٛئبصحلاا دبَبٛجنبث بَسٚٔعر ٙف بُؼي ىَٓٔبؼر ٗهػ خنٔسنا طٚطمزنا اصْ

.

ا خنٔز عٚعؼنا بُُطٔ خيسذ ٙف بُمفٕٚ ٌأ ٗنبؼر الله لأسَٔ

لإ حر حسحزًنا خٛثطؼنا داضبي ـ

خٚبػض د

لا سٛئض ٌبَٛٓ لَا ٌبطهس ٍث سٚاظ ٍث خفٛهذ دٛشنا ًٕسنا تحبص ـ

خنٔز ( الله ّظفح )

ّجئبَٔ

ٗهػلأا سهجًنا ءبضػأ ًٕسنا ةبحصأ َّإذأٔ وٕزكًنا سشاض ٍث سًحي دٛشنا ًٕس ٍٛيلأا وبكح داضبيلإا .

٘ضٕصًُنا سٛؼس ٍب ٌبطهس

زبصخللاا طٚظٔ

ةضازلإا سهجي سٛئض

ٍػ طٚطمح

ةسحخًنا تٛبطؼنا ثاضبيلإا تنٔز ٙف ٍٛيأخنا عبطل طبشَ

وبؼن و 2007

تيسمي

:

(3)

ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

تنٔز ٙف ٍٛيأخنا عبطل طبشَ ٍػ ُٕ٘سنا طٚطمخنا وسمح ٌأ ٍٛيأخنا تئْٛ طسٚ

وبؼن ةسحخًنا تٛبطؼنا ثاضبيلإا ٘صنا ضٕطخنا ٖسي ثاطشؤًنا سكؼح ذٛح و 2007

تنٔسنبب ٍٛيأخنا قٕس ّممح .

ةطًثخسًنا لإيلأا تيبرض ُٙطٕنا زبصخللان ٕ٘ٛحنا ِضٔزٔ عبطمنا اصْ تًْٛأ سكؤٚٔ

وبػ للاذ جغهب ٙخنأ ّٛف ٙنإح 2007

( 23080 )

ىجح غهب بًك ،ىْضز ٌٕٛهي

ٙنإح تنٔسنبب ٍٛيأخنا قٕسن تبخخكًنا طبسللأا (

14591 )

ىْضز ٌٕٛهي .

ثاضبيلإا تنٔسب ٍٛيأخنا قٕسن تفهخرًنا بَإجنا ٗهػ فطؼخنا ٗنإطٚطمخنا اصْ فسٓٚٔ

ىْأ ٗهػ ءٕضنا ءبمنإ ْٕٔ ّهجأ ٍي سػأ ٘صنا فسٓنا كٛمححٔ ةسحخًنا تٛبطؼنا ةسحخًنا تٛبطؼنا ثاضبيلإا تنٔسب ٍٛيأخنا عبطل ثاظبجَإ .

لأأ : حسحزًنا خٛثطؼنا داضبيلإا خنٔسث ٍٛيأزنا عبطمن وبؼنا ضبطلإا :

. 1

ٍٛيأزنا خػبُصن ىظًُنا ََٕٙبمنا ضبطلإا :

ىلض ٘زبححلاا ٌَٕبمنا ثاضبيلإا تنٔز ٙف ٍٛيأخنا عبطل ىظُٚ

( ) 6 تُسن و 2007

ٍي ًاضببخػا ّب مًؼنا أسب ٘صنأ ّنبًػأ ىٛظُحٔ ٍٛيأخنا تئْٛ ءبشَإ ٌأش ٙف / 28 / 8 ىلض ٘زبححلاا ٌَٕبمنا ءبغنإ ىح ّبجًٕبٔ ، 2007

( ) 9 تُسن ٌأش ٙف 1984

ةسًن ّب مًػ ٘صنأ ٍٛيأخنا ءلاكٔٔ ثبكطش (

) 23 بيبػ .

ىلض ٘زبححلاا ٌَٕبمهن تٚصٛفُخنا تحئلانا ٗمبحٔ

( ) 9 تُسن ةضزبصنا ثاضاطمنأ 1984

طٚسمحٔ فشكنا ءاطبرك ٍٛيأخنبب تطبحطًنا ًٍٓهن تًظًُنا ثاضاطمنأ ،ّبجًٕب

تٚضبس ٍٛيأخنا ءبطسٔٔ ٍٛيأخنا ثبٛضبٚض ءاطبذ ٍٛيأخنا ٘ضبشخسا ،ضاطضلأا

ٌَٕبمهن ثبًٛهؼخنأ تًظَلأأ تٚصٛفُخنا تحئلانا ضٔسص ٍٛح ٗنإ كنشٔ ،لٕؼفًنا

سٚسجنا

.

. 2

خنٔسنا ٙف ٍٛيأزنا قٕسن ًٙٛظُزنا مكٛٓنا

:

(4)

ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

/ 2 - 1

ٍٛيأزنا خئْٛ

:

ىلض ٘زبححلاا ٌَٕبمنا طبَأ (

) 6 تُسن ىٛظُحٔ ٍٛيأخنا تئْٛ ءبشَإ ٌأش ٙف 2007

ثبكطش ٗهػ تببلطنأ فاطشلإا ٙف ِضٔز ةطشببئ ّيبكحأ صٛفُح ٍٛيأخنا تئٛٓن ّنبًػأ عٚعؼحٔ طٕٚطخن ىئلاًنا خبًُنا طٛفٕح مفكٚ بًب بٓب تطبحطًنا ًٍٓنأ ٍٛيأخنا ءلاكٔٔ

ططبرًنا سض ثبٛنٔؤسًنأ ثبكهخًًنأ صبرشلأا ٌبًض ٙف ٍٛيأخنا تػبُص ضٔز ىػسن بْضبًثخسأ بٓخًُٛحٔ تُٛطٕنا ثاطذسًنا غًٛجحٔ ُٙطٕنا زبصخللاا تٚبًحن مضفأ طٛفٕحٔ تنبؼفنأ تنزبؼنا تسفبًُنا غٛجشحٔ تنٔسنا ٙف تٚزبصخللاا تًُٛخنا ٍٛيأخنا قٕس ٙف فئبظٕنا ٍٛطٕحٔ ،تسفبُي ثبٛطغحٔ ضبؼسأب تُٛٛيأخنا ثبيسرنا تنٔسنبب .

/ 2 - 2

ٍٛيأزنا خئْٛ حضازئ سهجي :

ىلض ءاضظٕنا سهجي ضاطل بجًٕب ٍٛيأخنا تئْٛ ةضازإ سهجي مٛكشح ىح (

/ 171 ) 29

تُسن ىلض تسهجنا 2007

( ) 9 ةطشػ تٕٚضػٔ زبصخللاا طٚظٔ ٙنبؼي ّخسبئض ٗنٕخٚٔ

صبصخذلاأ ةطبرنا ٘ٔش ٍي صبرشأ .

/ 2 - 3 ٍٛيأزهن داضبيلإا خٛؼًج :

ىلض ٘ضاظٕنا ضاطمنا بجًٕب تٛؼًجنا ثطٓشأ (

) 62 تُسن دٚضبخب ضزبصنا و 1988

/ 27 / 9 تنٔسنبب تهيبؼنا ٍٛيأخنا ثبكطش غًٛج بٓخٕٚضػ ٙف ىضحٔ و 1988

.

. 3

ٍٛيأزنبث خطجرطًنا ًٍٓنأ ٍٛيبزنا ءلاكٔٔ دبكطشن وبؼنا ضبطلإا :

تٚبَٓ ٗخح تصخرًنا ثلاجسنا ٙف ٍٚسٛمًنا زسػ غهب

ٙهٚ بي و 2007 :

ٍٛيأزنا دبكطش  :

( ) 51 بُٓي ٍٛيأح تكطش (

) 24 ، تُٛطٔ ٍٛيأح تكطش

( ) 27 غًٛج لٔاعح ٙخنا ثبكطشنا زسػ غهبٚٔ ، تٛبُجأ ٍٛيأح تكطش

ٍٛيأخنا عٔطف (

ٍٛيأحٔ ،لإيلأا ٍٕٚكح ثبٛهًػٔ صبرشلأا ٍٛيأح

ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا )

( ) 11 ،تُٛطٔ تكطش (

) 2 تكطش

ٍٛيأحٔ ثبكهخًًنا ٍٛيأح عٔطف لٔاعح ٙخنا ثبكطشنا زسػٔ ،تٛبُجأ ثبٛنٔؤسًنا (

) 13 ،تُٛطٔ تكطش (

) 18 ٍٛح ٙف،تٛبُجأ تكطش

ثبٛهًػٔ صبرشلأا ٍٛيأح لٔاعح ٙخنا ٍٛيأخنا ثبكطش زسػ غهبٚ

ظمف لإيلأا ٍٕٚكح (

) 7 تٛبُجأ ثبكطش .

ٍــٛيأزنا ءلاكٔ  :

( ) 21

ٍٛيأح مٛكٔ

. ) 185 ( : ٍٛيأزنا ءبطسٔ  ُّي تنٔسنا ٙف ٍٛيأح ظٛسٔ

( ) 175 ظٛسٔ

ٔ ُٙطٔ

( ) 10

ٙبُجأ ظٛسٔ

.

(5)

ةدحتملا ةيبرعلا تاراملإا ةلود

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ٍٛيأزنا ٘ضبشزسا  :

( ) 18 تنٔسنا ٙف ٌٕهًؼٚ ٍٛيأح ٘ضبشخسا

. تنٔسنا ٙف ٌٕهًؼٚ اطٛبذ ) 67 ( : ضاطضلأا طٚسمرٔ فشك ءاطجذ 

. ) 11 ( : ٍٛيأزنا دبٛضبٚض ءاطجذ 

تنٔسنا ٙف ٍٛيأخنا ثبٛضبٚض طٛبذ .

بَٛبث : خنٔسنا ٙف ٍٛيأزنا طبشَ ٗهػ ّسبكؼَأ ٘زبصزللاا خبًُنا :

للاذ ٍي تنٔسنا بٓؼبخح ٙخنا تًٛكحنا تسبٛسهن تجٛخَ ضاطمخسلابب تنٔسنا زبصخلا عًٛخٚ

َٙاطًؼنأ ٘زبصخللاا طبشُنا ضٕطح سكؼَا سلٔ ،ُٙطٕنا مذسنا ضزبصي غُٕٚح عٔطف ٙف تممحًنا طبسللأا جؼفحضا ذٛح ٍٛيأخنا عبطل ٗهػ تنٔسنا ٙف ٙػبًخجلاأ

ٍي ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا ٍٛيأح (

) 8661 وبػ للاذ ىْضز ٌٕٛهي

و 2006

ٗنإ ( 11942 )

وبػ للاذ ىْضز ٌٕٛهي بْضسل ةزبٚظ تبسُب و 2007

(

% 38 ) ٍٛح ٙف ،

وبػ للاذ ثبضٕٚؼخهن ٙنبًجلإا لسؼًنا غفحضا غهب ذٛح و 2007

(

% 62.2 ) مببمي

50.7)

% ) وبػ للاذ و 2006

.

بثنبث : وبؼن خُٛٛيأزنا داطشإًنأ خنٔسنبث ٍٛيأزنا قٕس طبشَ ىجح و 2007

: 

لإيلأا ٍٕٚكح ثبٛهًػٔ صبرشلأا ٍٛيأح عطفن تبخخكًنا طبسللأا ٙنبًجإ :

( ) 2649 طبسللأا ِصْ ٍي تُٛطٕنا ثبكطشنا بٛصَ ، ىْضز ٌٕٛهي (

)% 23

تٛبُجلأأ

( . )% 77

ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا عٔطفن تبخخكًنا طبسللأا ٙنبًجإ  :

( 11942 )

طبسللأا ِصْ ٍي تُٛطٕنا ثبكطشنا بٛصَ ،ىْضز ٌٕٛهي (

)% 76.9

تٛبُجلأأ

(

% 23.1 ) ٍٛيأحٔ ثبكهخًًنا عٔطف ٍي عطف مك تبسَ جَبك سمنٔ

ٙهٚ بًك ٙنبًجلإا ٗنإ ثبٛنٔؤسًنا :

تٛنٔؤسًنأ دزإحنا عطف  (

.)% 52.1

كٚطحنا عطف  (

.)% 13

ٕ٘جنأ ٘طحبنأ ٘طبنا ممُنا عطف  (

.)% 13.8

ٖطذلأا ضبطذلأا عطف  (

.)% 3.1

ٙحصنا ٍٛيأخنا عطف  (

.)% 18

ثبكهخًًنا عٔطفن تبخخكًنا طبسللأا ٍي تُٛطٕنا ٍٛيأخنا ثبكطش ظبفخحا تبسَ  ثبٛنٔؤسًنا ٍٛيأحٔ

: (

% 54.7 ) ٙهٚ بًن بمفٔ عطف مك ظبفخحا تبسَٔ

:

تٛنٔؤسًنأ دزإحنا عطف  (

.)% 66.8

كٚطحنا عطف  (

.)% 38.8

ٕ٘جنأ ٘طحبنأ ٘طبنا ممُنا عطف  (

.)% 28.4

ٖطذلأا ضبطذلأا عطف  (

.)% 17.3

ٙحصنا ٍٛيأخنا عطف  (

.)% 57

(6)

ةدحتملا ةيبرعلا تاراملإا ةلود

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ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا عٔطفن تبسخكًنا طبسللأا  :

( 10.693 )

ٌٕٛهي

ىْضز .

 تٛهًٛحخنا ثبضٕٚؼخنا (

تٛفبصنا )

مبل ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا عٔطفن

ٍٛيأخنا ٘سٛؼي تصح ىصذ (

) 6655 ىْضز ٌٕٛهي

.

تصح ىصذ مبل ثبٛنٔؤسًنا ٍٛيأحٔ ثبكهخًًنا عٔطفن ثبضٕٚؼخنا لسؼي غهب 

ٍٛيأخنا ٘سٛؼي :

(

% 62.2 ) وبؼن مببمي و 2007

(

% 50.7 ) وبؼن غهبٔ و 2006

ٙهٚ بًك عطف مك ثبضٕٚؼح لسؼي :

تٛنٔؤسًنأ دزإحنا عطف  (

.)% 56.1

كٚطحنا عطف  (

.)% 96.4

ٕ٘جنأ ٘طحبنأ ٘طبنا ممُنا عطف  (

.)% 47.5

ٖطذلأا ضبطذلأا عطف  (

.)% 33.5

ٙحصنا ٍٛيأخنا عطف  (

.)% 72.8

ٔ لإيلأا ٍٕٚكح ثبٛهًػٔ صبرشلأا ٍٛيأخن تُٛفنا ثبطبٛخحلاا ٙنبًجإ غهب  ثبٛنٔؤسًنا ٔ ثبكهخًًنا ٍٛيأح :

( ) 9424 ىْضز ٌٕٛهي

.

 تُٛطٕنا ٍٛيأخنا ثبكطشن ًٍْٛبسًنا قٕمح ٙنبًجإ غهب :

( 15324 )

ٌٕٛهي

ىْضز .

 ةطًثخسًنا لإيلأا ٙنبًجإ غهب :

( 23080 )

تبسَ عكطخح ،ىْضز ٌٕٛهي

(

% 57.3 ) بٓٛهٚ تٛنبًنا قاضٔلأا ٙف بُٓي (

% 29.9 )

ٙف غئازٕنا .

بؼثاض :

ٍٛيأزنا دبكطشث ٍٛهيبؼنا زسػ :

وبػ للاذ تنٔسنبب تهيبؼنا ٍٛيأخنا ثبكطشب ٍٛهيبؼنا زسػ غهب و 2007

( ) 6320

زسؼنا اصْ ٍٛب ٍي بفظٕي (

) 377 تبسُب تنٔسنا ُٙطإي ٍي (

% 6 ) زسػ ٙنبًجإ ٍي

تُجن وبٓي ٗنإ ٍٛيأخنا عبطل ٙف ٍٛطٕخنا تفبضإ ىح سلٔ ،ثبكطشنا ِصٓب ٍٛهيبؼنا

ثبيسرهن تٚضاظٕنا تُجهنا ضاطل بجًٕب ٙفطصًنا عبطمنا ٙف تٚطشبنا زضإًنا

ىلض

(

/ 16

/ 1

)

تُسن

.. 2006

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

Report on

The Insurance Sector Business In the

United Arab Emirates for 2007

Introduction:

Insurance Authority is pleased to present the annual report of the Insurance Sector Business in the United Arab Emirates for 2007, where in the indications reflect the development achieved by the Insurance Sector in the United Arab Emirates.

This report asserts the significance of this sector and its substantial role in the national economy due to the huge funds invested there in, which amounted to Dhs. (23080) M in 2007 while the value of underwriting premiums at the insurance market amounted to Dhs (14591) M.

This report aims at identifying various aspects of the insurance market in the United Arab Emirates and achieve the goal for which it has been filed

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

i.e. to highlight the most important achievements of the Insurance Sector in the United Arab Emirates.

First: General Frame of the Insurance Sector in the United Arab Emirates:

1. Legal Frame Organizing Insurance Industry:

The Insurance Sector in the United Arab Emirates is organized by the Federal Law No. (6) of 2007 concerning formation of insurance authority and work regulation, which was enforced as of 28/8/2007 . Federal law no (9) of 1984 concerning insurance companies and agents shall be repealed, provided that the implementing regulations and all decisions issued by virtue there of shall (to the extent that they don't contradict the provisions of this law) remain in force until such time as the implementing regulations of this law have been issued.

The Ministerial Resolution No. (54) of 1987 concerning unification of motor insurance policies and resolutions amending thereto was issued and put in force on 1/1/1988 through the form of the third party liability insurance policy and another policy for loss, damage and third party liability.

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

2. Organizational Structure of the Insurance Market in the U.A.E.:

2-1 Insurance Authority:

The Federal law no (6) of 2007 concerning formation of the insurance authority and work regulations entrusted the insurance authority with the enforcement of provisions there in and to under take its role in the supervision and control of insurance companies and agents and other insurance related professions, so as to provide a suitable environment for the development of the insurance sector, and enhancement of its role in security individuals, properties and liabilities against risks, to protect the national economy, to build up, develop and invest in the national savings to support the economic development of the state, to provide better services in a healthy competitive environment, and emiratis the insurance sector in the state.

2-2 The Authority Board of Directors:

The Authority board formed of ten members with specialized expertise according to the council of ministers decision no (171/29) for 2007, and chaired by the minister of economy.

2-3 U.A.E. Insurance Association:

It was announced by the Resolution No. (62) of 1988 dated 27/9/1988 and its membership consists of all the insurance companies operating within the U.A.E.

3. General Frame of Insurance Companies and Agents and Insurance Related Professions:

The number entered in the Special Register until the end of 2006 was as follows

:

 Insurance Companies:

(51) Insurance Companies, out of which (24) national insurance companies incorporated in the U.A.E., (27) foreign insurance companies incorporated abroad. The number of companies carrying out all insurance activities (insurance of human life and

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

accumulations of funds operations and insurance against property and liability) are (11) national companies and (2) foreign companies. The number of companies carrying out insurance against property and liability only are (13) national companies and (18) foreign companies, while the number of insurance companies carrying out insurance of human life and accumulations of funds operations) only are (7) foreign companies.

 Insurance Agents:

There are (21) Insurance Agents.

 Insurance Brokers:

There are (193) Insurance Brokers in the U.A.E. out of whom there are (182) national brokers and (11) foreign brokers.

 Insurance Consultant:

(18) Insurance Consultants operating in the U.A.E.

 Survey and Damage Assessment Experts:

(68) Experts operating in the U.A.E.

 Actuary:

(12) actuaries

Second: Economic Climate and its Reflection on Insurance Business in the U.A.E.:

The State economy is remarkably stable as a result of the prudent policy adopted by the state though diversification of national income sources. The development of economic, constructional and social activities in the state has positively reflected on the Insurance Sector. The premiums within the branch of insurance against property and liability increased from Dhs.(8661) M in 2006 to Dhs.(11942) M in 2007 accounting for as increase rate of 38% . The claim ratio increased during 2007 to 62.2% while it was 50.7%

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

Third : Volume of Insurance Market Business in the U.A.E. and Insurance Benchmarks in 2007:

 The total of the underwriting premiums for insurance of human life and accumulation of funds operations amounted to Dhs (2649) M. The share of the national companies in these premiums accounted for 23% while the foreign companies share accounted to 77%.

 The total of the underwriting premiums in insurance against property and liability was as follows: Dhs (11942) M share of national companies in these premiums accounted for 76.9%

while the foreign companies share accounted for 23.1%.

The rate of each of the above mentioned type of insurance was as follows:

 52.1% i n accidents and liability branch.

 13% in fire branch.

 13.8% in land, sea and air transport branch.

 3.1% in other risks branch.

 18% in medical insurance branch.

 The percentage of national insurance companies retention of underwriting premiums in insurance against property and liability branch was 54.7% while the retention percentage for each branch was as follows:

 66.8% in accidents and liability branch.

 38.8% in fire branch.

 28.4%in land, sea and air transport branch.

 17.3%in other risks branch.

 57% in medical insurance branch.

 Earned premiums for insurance against property and liability branch :Dhs (10693) M.

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ةدحتملا ةيبرعلا تاراملإا ةلود

نيماتلا ةئيه UNITED ARAB EMIRATES

Insurance Authority

 Incurred Claims (net) in insurance against property and liability branch before the deduction of re-insurance share accounted to Dhs. (6655) M.

 The claims ratio for insurance against property and liability property and liability branch before the deduction of re-insurance share accounted for 62.2% in 2007 against 50.7% in 2006. The claims ratio in each branch were as follows:

 56.1% in accidents and liability branch.

 96.4 %in fire branch.

 47.5% in land, sea and air transport branch.

 33.5% in other risks branch.

 72.8% in medical branch.

 The total technical reserves for insurance of human life and accumulation of funds operations and insurance against properties and liabilities amounted to Dhs. (9424) M.

 The total shareholders equity in the national insurance companies amounted Dhs. (15324) M.

 The total invested funds amounted to Dhs (23080) M, 49.1% of this amount was in the form of shares and bonds followed by 30.1% as deposits.

Fourth : Number of Insurance Companies Employees:

The number of employees in the insurance companies operating within the U.A.E. during 2007 reached as far as (6320) out of which there are only (377) U.A.E. nationals at the rate of 6%.

Emiratise of the insurance sector have been added to the objects of the human Resources development committee in the banking sector according to the ministerial service committee decision no (16/1) of 2006.