Values prior to 2013 taken from previous reports. Gross loss ratio are calculated as follows: (claims + direct + accepted) + changes in other technical provisions + profit sharing and premiums) / gross imputed premiums (direct + accepted).
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Gross loss ratio for multi-risk home insurance in Spain 2005-2023
The annual gross loss ratio in home insurance in Spain fluctuated significantly from 2005 to 2023. In 2023, the gross loss ratio in multi-risk home insurance was **** percent - an increase of *** percent from the previous year. The highest gross loss ratio in home insurance in Spain was recorded in 2010, when it stood at just over ** percent.
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Mapfre. (September 23, 2024). Gross loss ratio of multi-risk homeowners insurance in Spain from 2005 to 2023 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 03, 2026, from /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/
Mapfre. "Gross loss ratio of multi-risk homeowners insurance in Spain from 2005 to 2023." Chart. September 23, 2024. ÌÇÐÄÆƽâ°æ. Accessed August 03, 2026. /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/
Mapfre. (2024). Gross loss ratio of multi-risk homeowners insurance in Spain from 2005 to 2023. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 03, 2026. /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/
Mapfre. "Gross Loss Ratio of Multi-risk Homeowners Insurance in Spain from 2005 to 2023." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 23 Sep 2024, /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/
Mapfre, Gross loss ratio of multi-risk homeowners insurance in Spain from 2005 to 2023 ÌÇÐÄÆƽâ°æ, /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/ (last visited August 03, 2026)
Gross loss ratio of multi-risk homeowners insurance in Spain from 2005 to 2023 [Graph], Mapfre, September 23, 2024. [Online]. Available: /statistics/773817/accident-rate-gross-in-the-insurance-multi-hazards-of-the-home-in-spain/
