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The leading insurance company for civil servants in France, GMF ranks among the leaders on the private individual insurance market. Guided by the fundamental values of mutual insurance, it offers insurance solutions and financial services that are convenient, modern, efficient, and correctly priced, meeting the concrete needs of policy-holders. Business line: satisfying all insurance requirements
As a mutual insurance company, GMF focuses on its insured members in its organisation and its concerns. The reward for this focus is our recognition: more than 3.1 million customers are covered today by one or more contracts of the brand. Premium positioning, the quality of the offers and the business drive of the brand all help to maintain that remarkable level of loyalty. Portfolio growth, positive results and financial soundness For the various companies of the GMF group, 2008 was a good year. GMF Assurances continued its growth in all its market segments. On the very competitive personal Auto market, up 0.5%, its portfolio grew 1.5%<< Did Auto grow .5% or 1.5%?>>. The Home and "Accidents and Family" portfolios increased by 1.9%. Specialised in general insurance and providing assistance to members outside the civil service, La Sauvegarde has developed quickly over the past two years. Its Auto portfolio has grown at an especially fast pace. Overall, nearly 245,000 policyholders joined GMF during the year. The Group wrote premiums worth a gross amount of nearly 3 billion euros and posted 125 million euros in profits. Its solvency margin (including unrealised capital gains) is over three times the legally required minimum. Efficient, modern and friendly relations with customers 47% of general insurance policyholders have been with the Group for over twenty years and 97% of the members feel satisfied with the products and services of their mutual insurance company. Credit for these successes should be given to the quality of the Group's offer and services, but also to its multichannel approach combining direct contact, telephone and Internet. In 2008, nearly 3.8 million visitors logged on to www.gmf.fr. The GMF call centres signed up 20% of new members, versus 18.7 % in 2007 (28.1% of Auto subscriptions, 33% of Home). In 2009, the primary focus of GMF is to carry on its strategic development in Auto and gain new customers in Life insurance. The Group is continuing to innovate with the launch of a specific contract, the Civil Servant Work policy. In addition, as part of its sustainable development plan, the group will carry out carbon accounting. Key figures
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