Insurance Business Model

The Unipol's business model represents the organisation’s system of transforming inputs through its business activities into outputs and outcomes that aims to fulfil strategic purposes and create value over the short, medium and long term.

Input capital

Business and technological khonw-how for the development of products. Profit testing in compliance with Solvency II Directive. Certification of transparency, fairness and value for UnipolSai Life -Investment and Welfare products.
Consolidated network of partenrs in the integrated services chain. 19 open innovation partnership agreements. 53,900 integrated service partners.
Local presence 34,007 primary network partners. 651 brokerage firms.
Training Academy dedicated to employee and agent training. 23 scouting and testing initiatives.
Innovation €32.1m invested in advanced software and applications. 7 scouting and testing initiatives.
Technology ICT infrastructure and advanced telematics instruments.
Financial performance Total volume of assets managed: €71.6bn. Total volume of property assets managed: €3.8bn.
Investments Proprietary investment models. Policies with ESG exclusion criteria.
Advances applications and processes for the selection and management of networks. Advanced software and applications. Peculiar processes and procedures for selection and management of networks of authorised repair shops, medical facilities and affiliated craftsmen throughout the country.
Technology. ICT infrastructure and advanced telematics instruments.
PRODUCT CONSTRUCTION DEVELOPEMENT AND MANAGEMENT POLICY UNDERWRITING AND MANAGEMENT REAL ESTATE OUTWARD REINSURANCE FINANCE CLAIM MANAGEMENT LIFE SETTLEMENT INWARD REINSURANCE Asset Management Non-Life & Life Claim Management Premiums class="st21 st22 st17"
Product innovation. 12 new Non-Life products. 11 new Life products.
Benefits from the integrated network. 2.7m Auto Presto & Bene policies underwritten with integrated services.
Efficient network in an integrated multichannel model. 66% agency network premiums. 15% Bancassurance premiums.
Growing knowledge skills and professionalism of the sales network. 823,796 course attendees 186 agents and partners on average trained in the classroom and via webinar per day.
Sales and underwriting process innovation. 103,818 policies signed by agencies with Advanced Digital Signature. 27% agencies use Advanced Digital Signature.
Reputation and customer satisfaction. MV TPL retention rate 86.5% vs. 84.1% market average. Assistance service speed.
Real estate development and refurbishment. Urban Up.
Relations with the community and with stakeholders. € 47.8bn Amount of class C, D equity and debt instruments, Assets subject to environmental and social monitoring
Profitability of financial management.
Settlement process innovation. 188 million crashes settled electronically. 6 additional settlement service investments.
Reputation and customer satisfaction. 86.7% Retention of Auto Presto & Bene customers 88.0% Retention of customers with policies financed interest-free

Output capital