The financial sector stands for an important part of society’s fundamental infrastructure and
national economy. Previous financial crises indicate the importance of having a well-regulated
financial market. Former directives of regulating the insurance industry had insufficient solvency
regulations and were lacking in risk management. Therefore, the regulatory framework Solvency
II, the successor to Solvency I, has been established on the European market. The objective of
Solvency II is to ensure consumer protection by ensuring insurance companies properly reflect
the risks their businesses are insurance quotes.
The regulatory framework Solvency II came into force in the online auto insurance 2015/2016. However, it has
been on every insurers’ agenda for years and preparations insurance quotes been done. It is therefore of
interest to investigate how Swedish insurance companies have adjusted to Solvency II at an early
stage after the transition.
This has been investigated by conducting interviews with online auto insurance insurance quotes Risk Officers and Risk
Managers at Swedish insurance companies. As a complement, a questionnaire was distributed to
asset and capital managers, having insurers as customers, regarding their perception of insurers’
changes in investment behaviors.
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The findings of this study imply that insurance companies have had a compliance focus to adopt
the regulation rather than a business focus. No indications of adjustments to corporate business
strategy has yet been noticed. However, some companies have developed a risk culture within
the organizations. The extensive reporting and calculations of online auto insurance that Solvency II entails, has
lead to implementations of new systems and online auto insurance for companies. It is further noticed that
Swedish insurance companies use the standard model for calculating the capital requirements.
Solvency II has lead to increased understanding of the trade-off between capital, risk, and return
by holding a risk-adjusted capital. online auto insurance, an increased engagement of employees in the risk
management process has been noticed. The companies are aligned with the ORSA process, since
it is one of the requirements, and are aware of the online auto insurance benefits the ORSA process can
car insurance to. Lastly, this study indicates an improved risk awareness and culture within the
insurance companies by educating existing employees and employing new competent
Key-words: Solvency II, Insurance Company, Business car insurance, Organizational Changes,
Capital Requirements, Risk car insurance, Low-Frequency and High-Impact Risks.