| 1 Insurance premiums written | |||||
| P&C insurance | |||||
| EURm | 2013 | 2012 | |||
| Premiums from insurance contracts | |||||
| Premiums written, direct insurance | 4,674 | 4,590 | |||
| Premiums written, assumed reinsurance | 94 | 109 | |||
| Premiums written, gross | 4,768 | 4,698 | |||
| Reinsurers' share of premiums written | -208 | -258 | |||
| Premiums written, net | 4,560 | 4,441 | |||
| Change in unearned premium provision | -46 | -79 | |||
| Reinsurers' share | -10 | 1 | |||
| Change in unearned premium provision, net | -55 | -78 | |||
| Premiums earned, total | 4,505 | 4,363 | |||
| Life insurance | |||||
| EURm | 2013 | 2012 | |||
| Premiums from insurance contracts | |||||
| Premiums written, direct insurance | 624 | 591 | |||
| Premiums written, assumed reinsurance | 4 | 2 | |||
| Insurance contracts total, gross | 628 | 593 | |||
| Premium revenue ceded to reinsurers on insurance contracts issued | -5 | -5 | |||
| Insurance contracts total, net | 623 | 588 | |||
| Investment contracts | 440 | 389 | |||
| Premiums written, net 1) | 1,063 | 977 | |||
| Elimination items between segments | -6 | -5 | |||
| Group, total | 5,618 | 5,413 | |||
| 1) The change in unearned premiums is presented in note 4 " The change in insurance and investment liabilities". | |||||
| Specification of premiums written in Life insurance | |||||
| EURm | 2013 | 2012 | |||
| Premiums from insurance contracts | |||||
| Premiums from contracts with discretionary participation feature | 153 | 168 | |||
| Premiums from unit-linked contracts | 469 | 421 | |||
| Premiums from other contracts | 1 | 1 | |||
| Total | 624 | 591 | |||
| Assumed reinsurance | 4 | 2 | |||
| Premiums from investment contracts | |||||
| Premiums from contracts with discretionary participation feature | 0 | 0 | |||
| Premiums from unit-linked contracts | 440 | 389 | |||
| Total | 440 | 389 | |||
| Insurance and investment contracts, total | 1,068 | 983 | |||
| Reinsurers' share | -5 | -5 | |||
| Premiums written, total | 1,063 | 977 | |||
| Single and regular premiums from direct insurance | |||||
| Regular premiums, insurance contracts | 291 | 320 | |||
| Single premiums, insurance contracts | 333 | 271 | |||
| Single premiums, investment contracts | 440 | 389 | |||
| Total | 1,064 | 981 | |||
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