Financial solidity

With one of the highest solvency margins in the market, our business model is solid and responsible.

« The Investment Department is the guarantor of Covéa's insurance activity and the commitments that it has made to all its customers. It is tasked with determining the investment policy, the real estate properties and operating properties policies, and optimising the Group's investments. »
Laurent Tollié Managing Director, Investment

High-performance financial management over the long term

Our financial policy is one of the main levers enabling Covéa to develop a unique and sustainable model, combining solidarity and responsibility, performance and responsiveness.

These are our Investment Department, our Finance Department and our Strategy, Customer, Transformation Department that implement this policy within the Group, protecting and enhancing the value of its assets and ensuring its investments are consistent with our strategy.

Accordingly, their scope extends to all areas of expertise that enable us to realise our goal of long-term performance, guided by a targeted risk appetite:


  • Strategic management coordination,
  • Investment policy,
  • Economic steering of Covéa and its brands,
  • Cash management for all Group companies,
  • Risk control.

Unshakeable solvency

Our solvency margin comfortably exceeds Solvency 2 requirements and is subject to ongoing monitoring.

The extreme scenarios that we have simulated as part of our internal risk and solvency assessment process (ORSA, per Solvency 2 terminology) show that our solvency margin remains adequate at all times, and is capable of absorbing even violent shocks.

Key figures at 31 December 2017

  • 0
    solvency margin
  • 0
    billion euros
    of capital (Group share)
  • 0
    billion euros
    financial investments at market value


  • 2017 Covéa Financial Report

    pdf 1.40 MB Learn more
  • Synthesis of 2017 Covéa financial results

    pdf 1.49 MB Learn more
  • Rapport ESG Covéa 2017

    pdf 3.87 MB Learn more
  • 2017 Covéa Business Report

    jpg 36.40 KB Learn more
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