The insurance market in Italy reports good gains, being Unipol well above the national average. But the loss ratio suffers an aggravation, especially at the hands of the motor vehicle TPL and general liability insurance. The frequency of claims increases and the average cost grows. The Company, in addition to the usual speed of settlement and massive use of the CID settlements, soon studies a course of action that allows a rapid rebalancing of the businesses, because the requirement for insurance companies to have a solvency margin becomes mandatory.