Nikoli sami z Zavarovalnico Sava - Zavarovalnica Sava
We have a vision
Members of the management board
- Jošt Dolničar, Chairman of the Management Board
- Uroš Lorenčič, Member of the Management Board
- mag. Primoz Močivnik, Deputy Chairman of the Board
- Lea Hafner Platovnjak, Member of the Management Board and Employee Representative
History
-
2016
This year was marked by the merger process of four insurance companies. On 2 November, Zavarovalnica Sava insurance company started operating. It has a 5-member Management Board, and is lead by mag. David Kastelic. -
2017
In 2017, the Zavarovalnica Sava insurance company operated for the first time the entire year as a new insurance company after the successful merger. With a new approach to the market and by placing the insured person in the focus of our business operation, we enriched our offer of products with a new health insurance Zdravje at the end of 2017, and thus successfully entered the market of health insurances. By expanding the portfolio of our insurances, we are becoming even more accessible to our policyholders and offer them a comprehensive package in all areas. -
2018
The Zavarovalnica Sava insurance company is developing further and taking care of its policyholders and employees. In 2018, we signed a purchase agreement for the purchase of a 100% share of the companies ERGO osiguranje and Ergo iivotno osiguranje in the Croatian market, where our subsidiary operates. By developing our own assistance service, we put our policyholders even more in the focus point of our attention. -
2019
In 2019, the trend of growth continues, while key projects aim at improving user experience and care for policyholders. After obtaining a licence, the management board is joined by Miha Pahulje and consequently, the management board of the Zavarovalnica Sava insurance company consists of five members. The year 2019 is also marked by the new reorganisation, collective agreement and the purchase of a 100% share in Ergo osiguranje and Egro životno osiguranje insurance companies and their merger with the Croatian branch Sava osiguranje.
Macroeconomic indicators for Slovenia
Source: IMAD, Economic Mirror, No 4/2020
Source of resident population 2016–2019: Statistical OĴce of the RS
Source of insurance premium 2016–2019: Slovenian Insurance
Association_Slovenian Insurance Bulletin 2020
A Stable August 2021
Euro currency zone Since 2007
EU Member State Since 2004
Achieved planned objectives in 2019
1.
In terms of the financial results achieved, 2019 was the best in the history of the company. We developed an innovation culture in the company and connected with startup companies. In the context of these projects, we developed the first product and oijered it on the market. We expanded our product range oijered online and upgraded many products and added new ones.
2.
We purchased a 100% share of the Ergo osiguranje and Ergo životno osiguranje insurance companies. After obtaining an authorisation by the Croatian Insurance Supervision Agency, the company, i.e. Podružnica Hrvaška, transferred the insurance portfolio of the Ergo osiguranje and Ergo životno osiguranje insurance companies on 1/12/2019. The credit rating agency Standard & Poor's assessed the long-term creditworthiness and financial strength with the A rating (excellent) with the stable medium-term forecast.
3.
Net profit and loss of EUR 38,477,270 exceeded the last year's result by EUR 8.9 million (30.3%) and the planned result by EUR 5.7 million (17.4%).
We increased growth in the segment of insurance concluded according to FOS principles. We updated and developed products.
4.1.
The planned net revenues from premiums were exceeded by 4.9 per cent and the gross premiums by as much as 7.1 per cent. Excellent results are attributed to targeted sales and successful sales campaigns.
4.2.
Unfortunately, 2019 was also marked by a number of minor weather events, which caused more than €9 million in claims, which is within our projections. Net claims incurred for non-life insurance exceeded plans by 4.3 per cent, but the surplus is 1.3 percentage point less in the respective segment in comparison to the net premium income, which indicates a more favourable net loss/claims ratio than planned by 0.8 percentage point.
5.
In terms of gross operating costs, we exceeded our planned operating costs by 5.1 per cent and planned net operating costs by 1.9 per cent. The main reason is the exceeding of the planned insurance acquisition costs as a result of the larger amount of collected gross premiums than planned. The return on turnover is 1.2% higher than planned.
Investment portfolio
Goverment bonds
Business bonds
Mutual funds
Cash and cash equivalents
Infrastructure funds
Other
Insurance premium composition of the insurance portfolio
Motor insurance
Life insurances
Non-life insurances
Accident and Health Insurances
Other
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