2003 Social Report - PDF file - Unipol
2003 Social Report - PDF file - Unipol 2003 Social Report - PDF file - Unipol
B – certificate of risk for scooters and motorcycles C – replacement of a vehicle with an- other, of a different type SECTION III – SOCIAL REPORT Unipol will co-operate with all parties to rapidly implement this part of the Pro- tocol. Unipol will work on “migration” tables between the various systems (from car to motorbike and vice versa, from fixed charge or with deductibility to no-claims bonus and vice versa). Procedure for settling disputes Unipol signed the ANIA/Consumer As- sociation Agreement of 24 July 2001 and shall maintain its commitment after extension of the procedure for settling disputes to the whole country. Information to consumers Unipol has implemented a programme on its website allowing any potential customer to calculate the cost of a pol- icy. Unipol will continue to talk to Con- sumer Associations about both servic- es and tariffs. Prevention of road accidents Together with the Cesar Foundation and Sicurstrada, Unipol will continue its commitment to accident prevention and road safety, taking part in initiatives to prevent risks, as promoted jointly by the signatory parties to the Agreement. Analysis of the development of TPL With ANIA, Unipol and other signatory parties are willing to look at reforms of the TPL system, including the questions of exclusions, compensation, discontin- uing a policy and the efficiency and ac- cessibility of services. [ Unipol Assicurazioni | Social Report 2003 – Edition Summary ] 41
SECTION III – SOCIAL REPORT SHAREHOLDERS PERFORMANCE OF ITALIAN INSURANCE SECURITIES 40% 30% 20% 10% 42 0% -10% -20% -30% -40% -50% -60% -70% RAS RNC +26.6 CATTOLICA ASSICUR +12.7 The share capital of Unipol is divided into ordinary shares (323,658,098 as at 30 April 2003) and preference shares (184,877,209 as at 30 April 2003). Despite more negative fi nancial markets than in 2001, 2002 was a successful year for Unipol shareholders, with a dividend of €0.1104 for ordinary shares (up 16.2%) and €0.1156 for prefer- ence shares (up 15.4%), amounting to a total of €56.9m in divi- dends, up 16.6% and determining a pay-out (dividends allocated/ profi t for the fi nancial year) of 55.2%. Total return was also positive, calculated as the sum of gross div- idends and gains in the capital account, i.e. the increase in the stock market value. In the period from 1 January 2002 to 30 April 2003, Unipol shares performed globally at 16.4% (19.8% if tax rebates on dividends are included) for preference shares and at 6.9% (8.2% with tax rebates) for ordinary shares. These results were obtained at a time in which the MIBTEL index on the Milan Stock Exchange fell by 24.4%. UNIPOL PREF +10.5 UNIPOL ORD. +4.4 VITTORIA +1.3 RAS –1.1 FONDIARIA SAI ORD. –8.7 FONDIARIA SAI RNC. –12.9 MIBTEL INDEX –24.4 MIB INSURANCE INDEX –29.9 from 01/01/2002 to 30/04/2003 ALLEANZA –31.4 Source: fi gures worked out internally on Stock Exchange public data GENERALI –33.4 MILANO ASSIC. RNC –41.7 MILANO ASSIC. ORD –48.8 MEDIOLANUM –53.5 BAYERISCHE VITA –61.3 [ Unipol Assicurazioni | Social Report 2003 – Edition Summary ]
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B – certificate of risk for scooters<br />
and motorcycles<br />
C – replacement of a vehicle with an-<br />
other, of a different type<br />
SECTION III – SOCIAL REPORT<br />
<strong>Unipol</strong> will co-operate with all parties to<br />
rapidly implement this part of the Pro-<br />
tocol.<br />
<strong>Unipol</strong> will work on “migration” tables<br />
between the various systems (from car<br />
to motorbike and vice versa, from fixed<br />
charge or with deductibility to no-claims<br />
bonus and vice versa).<br />
Procedure for settling disputes <strong>Unipol</strong> signed the ANIA/Consumer As-<br />
sociation Agreement of 24 July 2001<br />
and shall maintain its commitment after<br />
extension of the procedure for settling<br />
disputes to the whole country.<br />
Information to consumers <strong>Unipol</strong> has implemented a programme<br />
on its website allowing any potential<br />
customer to calculate the cost of a pol-<br />
icy. <strong>Unipol</strong> will continue to talk to Con-<br />
sumer Associations about both servic-<br />
es and tariffs.<br />
Prevention of road accidents Together with the Cesar Foundation<br />
and Sicurstrada, <strong>Unipol</strong> will continue its<br />
commitment to accident prevention and<br />
road safety, taking part in initiatives to<br />
prevent risks, as promoted jointly by the<br />
signatory parties to the Agreement.<br />
Analysis of the development of TPL With ANIA, <strong>Unipol</strong> and other signatory<br />
parties are willing to look at reforms of<br />
the TPL system, including the questions<br />
of exclusions, compensation, discontin-<br />
uing a policy and the efficiency and ac-<br />
cessibility of services.<br />
[ <strong>Unipol</strong> Assicurazioni | <strong>Social</strong> <strong>Report</strong> <strong>2003</strong> – Edition Summary ] 41
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