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    S.20.01 — Development of the distribution of the claims incurred Solo

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    Converted from the official instructions so it can be searched and copied. The PDF above is the document of record.

    S.20.01 — Development of the distribution of the claims incurred

    General comments:

    This section provides an overview about the run-off/movement of non-life claims portfolios, in terms of both claims paid (split by different type of claims) and RBNS claims (as defined in S.19.01).

    RBNS claims shall be reported undiscounted.

    This template must be filled for each material non-life line of Business for direct business, as defined in Annex I to Delegated Regulation (EU) 2015/35, representing a coverage of 90% of the non-life technical provisions. Line of business should be selected using a decreasing order of technical provisions.

    The negative technical provisions at the level of the line of business shall be considered with absolute value for the purpose of the calculation of the materiality of the above thresholds.

    With regard to the number of claims to be reported, undertakings will use their specific definition or, if available, specification existing at national level (for instance requirement laid down by the National Supervisory Authority). However, each claim shall be reported once by Line of Business. If any claim is closed and reopened during the year, it shall not be reported in the column ‘Reopen Claims during the year’ but it shall be reported in relevant column regarding ‘Open Claims at the beginning of the year’ or ‘Claims reported during the year’.

    Undertakings are required to report data on accident year or underwriting year basis, in accordance with any requirements of the National Supervisory Authority. If the National Supervisory Authority has not stipulated which to use then the undertaking may use accident or underwriting year according to how they manage each line of business, as defined in Annex I to Delegated Regulation (EU) 2015/35, provided that they use the same year consistently, year on year.

    As per the number of years to be reported, the same reporting requirement introduced in S.19.01 applies.

    ITEMINSTRUCTIONS
    Z0010Line of businessIdentification of the line of business, as defined in
    Annex I to Delegated Regulation (EU) 2015/35,
    reported. The following closed list shall be used:
    1 — Medical expense insurance
    2 — Income protection insurance
    3 — Workers’ compensation insurance
    4 — Motor vehicle liability insurance
    5 — Other motor insurance
    6 — Marine, aviation and transport insurance
    7 — Fire and other damage to property insurance
    8 — General liability insurance
    9 — Credit and suretyship insurance
    10 — Legal expenses insurance
    11 — Assistance
    12 — Miscellaneous financial loss
    Z0020Accident
    year/Underwriting
    year    		Report the standard used by the undertakings for
    reporting of claims development. One of the
    options from the following closed list shall be used:
    1 — Accident year
    2 — Underwriting year
    C0020/R0010
    to R0160    		RBNS claims. Open
    Claims
    at the
    beginning of the year,
    Open Claims at the
    end of the year — Number of claims    		The number of open claims at the beginning of the
    year and still open at the end of the reporting year,
    by accident/underwriting years from the year N–1
    (the year before the reporting year) to N–14,
    amount of all previous reporting periods prior to
    N–14 and the total of all the years from N–1 to
    prior to year N–14.
    C0030/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Open Claims at the
    end of the year — Gross RBNS at the
    beginning of the year    		The amount of gross RBNS Claims, net of salvage
    and subrogation, at the beginning of the year and
    still open at the end of the reporting year, by
    accident/underwriting years from the year N–1 (the
    year before the
    reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0040/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Open Claims at the
    end of the year — Gross payments made
    during the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims still open at the end of the
    reporting year, by accident/underwriting years from
    the year N–1 (the year before the reporting year) to
    N–14, amount of all previous reporting periods
    prior to N–14 and the total of all the
    years from N – 1 to prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0050/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Open Claims at the
    end of the year — Gross RBNS at the
    end of the period    		The amount of gross RBNS Claims, net of salvage
    and subrogation, at the end of the period regarding
    claims still open at the end
    of the reporting year, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0060/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Closed Claims at the
    end of the year, settled
    with payment — Number of claims
    ended with payments    		The number of Claims open at the beginning of the
    year and closed at the end of the year and settled
    with payments, by accident/underwriting years
    from the year N–1 (the year before the reporting
    year) to N–14, amount of all previous reporting
    periods prior to N–14 and the total of all the years
    from N–1 to prior to year N–14.
    C0070/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Closed Claims at the
    end of the year, settled
    with payment — Gross RBNS at the
    beginning of the year    		The amount of gross RBNS Claims, net of salvage
    and subrogation, open at the beginning of the year
    and closed at the end of the year and settled with
    payments, by accident/underwriting years from the
    year N–1 (the year before the reporting year) to N – 14, amount of all previous reporting periods prior
    to N–14 and the total of all the years from N–1 to
    prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0080/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Closed Claims at the
    end of the year, settled
    with payment — Gross payments made
    during the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims closed at the end of the reporting
    year and settled with payments, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims
    C0090/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Closed Claims at the
    end of the year, settled
    without any payment
    — Number of claims
    ended without any
    payment    		The number of Claims open at the beginning of the
    year and closed at the end of the year and settled
    without any payment, by accident/underwriting
    years from the year N–1 (the year before the
    reporting year) to N–14, amount of all previous
    reporting periods prior to N–14 and the total of all
    the years from N–1 to prior to year N–14.
    C0100/R0010
    to R0160    		RBNS claims. Open
    Claims at the
    beginning of the year,
    Closed Claims at the
    end of the year, settled
    without any payment
    — Gross RBNS at the
    beginning of the year
    referred to claims
    settled without any
    payment    		The amount of gross RBNS Claims, net of salvage
    and subrogation, open at the beginning of the year
    and closed at the end of the year and settled
    without any payment, by accident/underwriting
    years from
    the year N–1 (the year before the
    reporting year) to N–14, amount of all previous
    reporting periods prior to N–14 and the total of all
    the years from N–1 to prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0110/R0010
    to R0160    		Claims reported
    during the year, Open
    Claims at the end of
    the year — Number of
    claims    		The number of claims reported during the year and
    still open at the end of the year, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    C0120/R0010
    to R0160    		Claims reported
    during
    the year, Open
    Claims at the end of
    the year — Gross
    payments made during
    the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims reported during the year and still
    open at the end of the reporting year, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0130/R0010
    to R0160    		Claims reported
    during the year, Open
    Claims at the end of
    the year — Gross
    RBNS at the end of
    the period    		The amount of gross RBNS Claims, net of salvage
    and subrogation, at the end of the period regarding
    claims reported during the year and still open at the
    end of the reporting year, by accident/underwriting
    years from the year N–1 (the year before the
    reporting year) to N–14, amount of all previous
    reporting periods prior to N–14 and the total of all
    the years from N–1 to prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0140/R0010
    to R0160    		Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled    		The number of Claims reported during the year and
    closed at the end of the year and settled with
    payments, by accident/underwriting years from the
    year N–1 (the year before the reporting year) to N–
    with payment — Number of claims
    ended with payments    		14, amount of all previous reporting periods prior
    to N–14 and the total of all the years from N–1 to
    prior to year N–14.
    C0150/R0010
    to R0160    		Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    with payment — Gross payments made
    during the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims reported
    during the year and
    closed at the end of the year and settled with
    payments, by accident/underwriting years from the
    year N–1 (the year before the reporting year) to N – 14, amount of all previous reporting periods prior
    to N–14 and the total of all the years from N–1 to
    prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0160/R0010
    to R0160    		Claims reported
    during the year,
    Closed Claims at the
    end of
    the year, settled
    without any payment
    — Number of claims
    ended without any
    payment    		The number of Claims reported during the year and
    closed at the end of the year and settled without
    any payment, by accident/underwriting years from
    the year N–1 (the year before the reporting year) to
    N–14, amount of all previous reporting periods
    prior to N–14 and the total of all the years from N – 1 to prior to year N–14.
    C0170/R0010
    to R0160    		Reopen claims during
    the year, Open Claims
    at the end of the year
    — Number of claims    		The number of Claims reopened during the year
    and still open at the end of the year, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    C0180/R0010
    to R0160    		Reopen claims during
    the year, Open Claims
    at the end of the year
    — Gross payments
    made during the
    current year    		The amount of gross payments, net of salvage and
    subrogation, made during
    the current year
    regarding claims reopened during the year and still
    open at the end of the year, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0190/R0010
    to R0160    		Reopen claims during
    the year, Open Claims
    at the end of the year    		The amount of gross RBNS Claims, net of salvage
    and subrogation,
    at the end of the period regarding
    claims reopened during the year and still open at
    — Gross RBNS at the
    end of the period    		the end of the year, by accident/underwriting years
    from the year N–1 (the year before the reporting
    year) to N–14, amount of all previous reporting
    periods prior to N–14 and the total of all the years
    from N–1 to prior to year N–14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0200/R0010
    to R0160    		Reopen claims during
    the year, Closed
    Claims at the end of
    the period — Number
    of claims ended with
    payments    		The number of Claims reopened during the year
    and closed at the end of the year and ended with
    payments, by accident/underwriting years from the
    year N–1 (the year before the reporting year) to N – 14, amount of all previous reporting periods prior
    to N–14 and the total of all the years from N–1 to
    prior to year N–14.
    C0210/R0010
    to R0160    		Reopen claims during
    the year, Closed
    Claims at the end of
    the period — Gross
    payments made during
    the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims reopened during the year and
    closed at the end of the year with payments, by
    accident/underwriting years from the year N–1 (the
    year before the reporting year) to N–14, amount of
    all previous reporting periods prior to N–14 and the
    total of all the years from N–1 to prior to year N – 14.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0110/R0170Claims reported
    during the year, Open
    Claims at the end of
    the year
    — Number of
    claims    		The number of claims reported during the year and
    still open at the end of the year, for the
    accident/underwriting year, regarding the reporting
    year N.
    C0120/R0170Claims reported
    during the year, Open
    Claims at the end of
    the year — Gross
    payments made during
    the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims reported during the year and still
    open at the end of the reporting year, for the
    accident/underwriting year, regarding the reporting
    year N.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0130/R0170Claims reported
    during the year, Open
    Claims at the end of    		The amount of gross RBNS Claims, net of salvage
    and subrogation, at the end of the period regarding
    claims reported during the year and still open at the
    the year — Gross
    RBNS at the end of
    the period    		end of the reporting year, for the
    accident/underwriting year, regarding the reporting
    year N.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0140/R0170Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    with payment — Number of claims
    ended with payments    		The number of Claims reported during the year and
    closed at the end of the year and settled with
    payments, for the accident/underwriting year,
    regarding the reporting year N.
    C0150/R0170Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    with payment — Gross payments made
    during the current year    		The amount of gross payments, net of salvage and
    subrogation, made during the current year
    regarding claims reported during
    the year and
    closed at the end of the year and settled with
    payments, for the accident/underwriting year,
    regarding the reporting year N.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0160/R0170Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    without any payment
    — Number of claims
    ended without any
    payment    		The number of Claims reported during the year and
    closed at the end of the year and settled without
    any payment, for the accident/underwriting year,
    regarding the reporting year N.
    C0110/R0180Total Claims reported
    during the year, Open
    Claims at the end of
    the year — Number of
    claims    		Total number of claims reported during the year
    still open at the end of the year.
    C0120/R0180Total Claims reported
    during the year, Open
    Claims at the end of
    the year — Gross
    payments made during
    the current year    		Total of gross payments, net of salvage and
    subrogation,
    made during the current year in
    relation to total number of claims reported during
    the year still open at the end of the year.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0130/R0180Total Claims reported
    during the year, Open
    Claims at the end of
    the year — Gross
    RBNS at the end of
    the period    		Total of Gross RBNS, net of salvage and
    subrogation,
    at the end of the period in relation to
    total number of claims reported during the year still
    open at the end of the year.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0140/R0180Total Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    with payment — Number of claims
    ended with payments    		Total number of claims reported during the year
    and settled with payments.
    C0150/R0180Total Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    with payment — Gross payments made
    during the current year    		Gross payments, net of salvage and subrogation,
    made during the current year in relation to claims
    reported during the year and settled with payments.
    The amount includes all the elements that compose
    the claim itself but excludes any expenses except
    those attributable to specific claims.
    C0160/R0180Total Claims reported
    during the year,
    Closed Claims at the
    end of the year, settled
    without any payment
    — Number of claims
    ended without any
    payment    		Total number of claims reported during the year
    and settled without any payment.