French household net non-life insurance premiums: sole props
French household net non-life insurance premiums: sole props stood at 13,441 EUR million in Q2 2026, according to INSEE – Institut national de la statistique et des études économiques (BDM). It is one of the indicators in the Household and corporate accounts table (Value · Quarterly), with a complete series running from Q1 1949 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Household and corporate accounts table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Households | |||||||||||
| Net non-life insurance premiums from households (including sole proprietorships) - Values at current prices - SA series | 13,441 | 13,384 | 13,333 | 13,253 | 13,146 | 13,010 | 12,847 | 12,657 | 12,441 | 12,199 | |
| Non-life insurance claims to households (including sole proprietorships) - Values at current prices - SA series | 13,260 | 13,193 | 13,095 | 13,015 | 12,954 | 12,910 | 12,884 | 12,856 | 12,827 | 12,795 |
Understanding french household net non-life insurance premiums: sole props
Resident households and unincorporated sole proprietorships remit these calculated costs to non-life insurance corporations to maintain coverage against property, casualty, and liability risks. This financial flow measures the net premium burden after deducting service charges and loading fees retained by insurers, isolating the risk-pooling component of insurance contracts. The series is expressed in current prices, capturing the nominal monetary value allocated by the private sector to secure risk protection.
Evaluating this time series requires accounting for seasonal renewal patterns, as many property and casualty policies renew during specific months of the year. Revisions to early estimates occur as insurers report complete underwriting data to statistical authorities. Analysts should avoid comparing net premiums directly with gross premium volumes or insurance claims without accounting for the structural service charge components.
Frequently asked questions
- What is deducted to calculate net non-life insurance premiums?
- The insurance service charge retained by the provider is subtracted from the total gross premium paid.
- Do business assets owned by sole proprietors count here?
- Yes, premiums covering both personal and unincorporated business non-life risks are consolidated within this household sector measure.
- How do major natural disaster events affect this series?
- Disasters typically impact claim payouts rather than premium flows, though subsequent policy repricing can influence future premium levels.