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April 2011 2011 November

1 concern 21 target markets insurance

40 companies employees &

20,000 agents 7,500,000 customers 16,500,000 contracts

Insurance of a New generation. UNIQA Montenegro, a member of UNIQA Insurance Group, started its activities on the Montenegrin market for the first time in February 2008, following the takeover of Zepter Insurance. UNIQA Life Insurance was founded in February 2008, and UNIQA Nonlife Insurance in June 2008. These companies provide a wide range of high quality insurance products, ranging from property to car and accident insurance - thus UNIQA Life Insurance is one of the leading insurance companies on the Montenegrin insurance market. Currently, about fifthy employees and more than sixty professional sales agents secure efficient growth by achieving the goals and plans in Montenegro. Our mission is to offer solutions for our customers in the given continuously changing economic and social environment, so that they could enjoy full and safe life. In 2010 UNIQA achieved a total gross premium of 6.092.026 EUR, while in the first quarter of this year the total of about 1,4 million EUR was achieved. Comparing with 2009, UNIQA

growth rate is 75%; Montenegrin insurance market growth rate for the same period is -4,63%, which is less than in previous years. Participation of UNIQA insurance premium in the total insurance market of Montenegro increased from 6,10% in 2009 to 9,16% in 2010. UNIQA Life Insurance has a share of 15.63% in the total life insurance of Montenegrin market. UNIQA Non-life insurance has a share of 8,16%. Despite the difficulties caused by economic crisis, UNIQA recorded a significant growth of about 60% in the first quarter of 2011 over the same period in 2010; UNIQA Life Insurance achieved growth of 35%, and UNIQA non-life achieved growth of 67%. International Agency for the Evaluation of financial standing Standard & Poor’s (S&P) confirmed, on December, 2010, UNIQA Group’s financial strength rating by assigning “A” with stable outlook. Assessment of the S&P financial strength is based on standard unchanged ratings to parent companies of UNIQA Group.


UNIQA Montenegro: Branch offices

Companies: UNIQA life insurance UNIQA non-life insurance Legal type of the entity: Joint Stock insurance company Year of establishment: UNIQA life - 2008. UNIQA non-life - 2008. Owners UNIQA life: ƒ UNIQA International BeteiligungsVerwaltungs GmbH ƒ UNIQA a.d.o. Beograd Owners UNIQA non-life: ƒ UNIQA International BeteiligungsVerwaltungs GmbH ƒ UNIQA International Versicherungs Holding GmbH Executive directors: ƒ Mrs Nela Belević, UNIQA non-life ƒ Mr Željko Labović, UNIQA life Number of employees: 90 Number of branch offices: 12 Main activity: Life and non-life insurance

Address: Bulevar Svetog Petra Cetinjskog 1a/IV, 81000 Podgorica, Montenegro Phone: +382(0)20 444 700; Fax: +382(0)20 244 340; GSM: +382(0)67 201 449; E-mail:; Internet:

Accounts: UNIQA life insurance: 555-738-69 UNIQA non-life insurance: 555-1915-30


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