{"id":15878,"date":"2023-08-01T09:24:43","date_gmt":"2023-08-01T09:24:43","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=15878"},"modified":"2023-08-01T09:27:32","modified_gmt":"2023-08-01T09:27:32","slug":"keeping-up-with-the-market-july-2023","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/nl\/keeping-up-with-the-market-july-2023\/","title":{"rendered":"Keeping Up With The Market &#8211; July 2023"},"content":{"rendered":"<p>Every month, we help you keep up with the Belgian and Luxembourg insurance markets.<\/p>\n<h2>Mergers &amp; acquisitions<\/h2>\n<ul>\n<li style=\"text-align: justify;\"><a href=\"#ag-bnp\"><span style=\"text-decoration: underline;\">AG and BNP Paribas Fortis are Touring\u2019s new shareholders<\/span><\/a><\/li>\n<li><a href=\"#merger-nn\"><span style=\"text-decoration: underline;\">Merger between NN Non-Life Insurance S.A. and Nationale-Nederlanden Schadeverzekeringen Maatschappij N.V.<\/span><\/a><\/li>\n<\/ul>\n<h2>Partnerships<\/h2>\n<ul>\n<li><a href=\"#axa-doctena\"><span style=\"text-decoration: underline;\">Axa and Doctena join forces to strengthen access to health care<\/span><\/a><\/li>\n<li style=\"text-align: justify;\"><a href=\"#zurich-qover\"><span style=\"text-decoration: underline;\">Zurich Insurance Group capabilities joins forces with Belgian insurtech Qover, to expand its embedded insurance capabilities<\/span><\/a><\/li>\n<\/ul>\n<h2>Market<\/h2>\n<ul>\n<li><a href=\"#corona-belfius\"><span style=\"text-decoration: underline;\">Corona Direct becomes Belfius Direct Assurances<\/span><\/a><\/li>\n<li><a href=\"#fsma-vade-mecum\"><span style=\"text-decoration: underline;\">FSMA issues vade mecum on product oversight and governance<\/span><\/a><\/li>\n<li><a href=\"#overview-uci\"><span style=\"text-decoration: underline;\">Quarterly overview of Belgian public UCIs<\/span><\/a><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#eiopa-dashboard\">EIOPA: quarterly risk dashboard of the EU insurance industry<\/a><\/span><\/li>\n<\/ul>\n<h2>NatCat<\/h2>\n<ul>\n<li><a href=\"#eiopa-natcat\"><span style=\"text-decoration: underline;\">EIOPA published a Staff Paper about the limited uptake of NatCat insurance in Europe<\/span><\/a><\/li>\n<li><a href=\"#natcat-insurers\"><span style=\"text-decoration: underline;\">NatCat law: the limit under which insurers can intervene will be multiplied by 4 to reach \u20ac1.6 billion<\/span><\/a><\/li>\n<li><a href=\"#coverage-climate\"><span style=\"text-decoration: underline;\">Public-private partnership between insurance companies and the European Union to spread the coverage of climate risks<\/span><\/a><\/li>\n<li><span style=\"text-decoration: underline;\">The AAE issues a new report on Sustainable Products on Insurance<\/span><\/li>\n<\/ul>\n<h2>Legislation<\/h2>\n<ul>\n<li><a href=\"#insurers-sanctioned\"><span style=\"text-decoration: underline;\">Claims: insurers sanctioned for late reply<\/span><\/a><\/li>\n<li style=\"text-align: justify;\"><a href=\"#law-sales\"><span style=\"text-decoration: underline;\">The Economic Committee of the House has passed the law concerning bundled sales<\/span><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h5 id=\"ag-bnp\">AG and BNP Paribas Fortis are Touring\u2019s new shareholders<\/h5>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-09.57.05.png\"><img decoding=\"async\" class=\"wp-image-15980 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-09.57.05.png\" alt=\"\" width=\"275\" height=\"115\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-09.57.05.png 700w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-09.57.05-300x126.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-09.57.05-450x188.png 450w\" sizes=\"(max-width: 275px) 100vw, 275px\" \/><\/a>This acquisition concerns Touring\u2019s operating activities. AG holds 75% of the shares and BNP 25%.<\/p>\n<p style=\"text-align: justify;\">All operating activities keep the same brand name.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"merger-nn\">Merger between NN Non-Life Insurance S.A. and Nationale-Nederlanden Schadeverzekeringen Maatschappij N.V.<\/h5>\n<p style=\"text-align: justify;\">Subsequent to the merger, these insurances will be carried on without modification in Belgium by NN Non-life, the Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V.<\/p>\n<p style=\"text-align: justify;\">NN Group&#8217;s strategic vision is to combine all the Dutch non-life insurers in its group into a single strong insurance company. The group also wants to preserve its strong local presence through its branch in Belgium, NN Non-Life.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"axa-doctena\">Axa and Doctena join forces to strengthen access to health care<\/h5>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA.jpg\"><img decoding=\"async\" class=\"wp-image-15920 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA-300x179.jpg\" alt=\"\" width=\"216\" height=\"129\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA-300x179.jpg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA-768x457.jpg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA-705x419.jpg 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA-450x268.jpg 450w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/MyAXA.jpg 800w\" sizes=\"(max-width: 216px) 100vw, 216px\" \/><\/a>Axa will add the online calendar of Doctena to its online platform MyAXA Healthcare. Thanks to this partnership, AXA extends its range of health services and provides its policyholders with access to more than 4 600 specialists.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"zurich-qover\">Zurich Insurance Group joins forces with Belgian insurtech Qover, to expand its embedded insurance capabilities<\/h5>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Qover-x-Zurich.jpg\"><img decoding=\"async\" class=\"wp-image-15885 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Qover-x-Zurich.jpg\" alt=\"\" width=\"202\" height=\"121\"><\/a>Zurich Insurance entered this partnership through Zurich Global Ventures. According to Qover, this partnership will \u201cpush boundaries, providing businesses and individuals even more convenient and timely protection they need in a changing world\u201d.<\/p>\n<p style=\"text-align: justify;\">&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"corona-belfius\">Corona Direct becomes Belfius Direct Assurances<\/h5>\n<h5 id=\"corona-belfius\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Belfius-direct-assurances.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-15884 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Belfius-direct-assurances.jpg\" alt=\"\" width=\"183\" height=\"114\"><\/a><\/h5>\n<p style=\"text-align: justify;\">Corona Direct gets a new name: Belfius Direct Assurances. Corona SA was fully integrated to Belfius Insurance SA and all its insurance portfolio was transferred to Belfius Insurance SA.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"fsma-vade-mecum\">FSMA issues vade mecum on product oversight and governance<\/h5>\n<p>With this document, the FSMA sets out its recommendations and expectations regarding the supervision and governance of non-life and life insurance products on the topics of value for money and exclusions.<br \/>\nFor more information, click here <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fsma.be\/sites\/default\/files\/media\/files\/2023-07\/fsma_2023_17_fr.pdf\">FR<\/a><\/span>\/<a href=\"https:\/\/www.fsma.be\/sites\/default\/files\/media\/files\/2023-07\/fsma_2023_17_nl.pdf\"><span style=\"text-decoration: underline;\">NL<\/span><\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"overview-uci\">Quarterly overview of Belgian public UCIs<\/h5>\n<p>FSMA has released its quarterly overview of Belgian public UCIs. The authority reports that the total net assets of these UCIs rose by 4.9% compared with the end of 2022, amounting to \u20ac193.5 billion. In addition, net subscriptions reached \u20ac2.2 billion.<\/p>\n<p>For more information, you can access the report <a href=\"https:\/\/www.fsma.be\/sites\/default\/files\/media\/files\/2023-06\/2023_dashboard_q1.pdf\">here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"eiopa-dashboard\">EIOPA: quarterly risk dashboard of the EU insurance industry<\/h5>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-15972 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0-212x300.jpg\" alt=\"\" width=\"230\" height=\"325\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0-212x300.jpg 212w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0-499x705.jpg 499w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0-450x636.jpg 450w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/July-2023-Risk-Dashboard_0.jpg 596w\" sizes=\"(max-width: 230px) 100vw, 230px\" \/><\/a>EIOPA has recently published its quarterly risk assessment of the EU insurance industry. The Risk Dashboard, based on Solvency II data, summarises the main risks and vulnerabilities in the European Union\u2019s insurance sector through a set of risk indicators.<\/p>\n<p style=\"text-align: justify;\">The data is based on financial stability and prudential reporting collected from insurance groups and solo insurance undertakings.<\/p>\n<p style=\"text-align: justify;\">You can read the full dashboard <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.eiopa.europa.eu\/system\/files\/2023-07\/July%202023%20Risk%20Dashboard.pdf\">here<\/a><\/span>.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"eiopa-natcat\">EIOPA published a Staff Paper about the limited uptake of NatCat insurance in Europe<\/h5>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat.jpeg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-15883 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-300x200.jpeg\" alt=\"\" width=\"225\" height=\"150\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-300x200.jpeg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-768x512.jpeg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-705x470.jpeg 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-450x300.jpeg 450w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat-272x182.jpeg 272w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/NatCat.jpeg 991w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/><\/a>In this Staff Paper, EIOPA explores \u2018demand-side\u2019 barriers that can prevent consumers from buying NatCat insurance and proposes possible consumer-tested solutions to overcome these barriers.<\/p>\n<p style=\"text-align: justify;\">For more information, you can read the Staff Paper <a href=\"https:\/\/www.eiopa.europa.eu\/consultations\/consultation-staff-paper-measures-address-demand-side-aspects-natcat-protecti_en\">here<\/a>.<\/p>\n<h5>&nbsp;<\/h5>\n<h5>&nbsp;<\/h5>\n<h5 id=\"natcat-insurers\">NatCat law: the limit under which insurers can intervene will be multiplied by 4 to reach \u20ac1.6 billion<\/h5>\n<p style=\"text-align: justify;\">A recent change to the NatCat law is that, from January 2024, the limit under which insurers can intervene will be multiplied by 4 to reach \u20ac1.6 billion, driven by politicians. However, this does not solve the problem of intervention when the total bill exceeds this limit, as was the case for the floods of 2021. Finally, this change in cap will lead to an increase in fire insurance premiums for policyholders.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"coverage-climate\">Future public-private partnership between insurance companies and the European Union to spread the coverage of climate risks<\/h5>\n<p style=\"text-align: justify;\">Am\u00e9lie Breitburd, CEO of Lloyd&#8217;s Europe, recently called for a public-private partnership between insurance companies and the European Union to spread the coverage of climate risks. With the increase in climate disasters, this would help to counter the lack of protection and promote solidarity between European countries, which can sometimes be affected by this risk unexpectedly.<\/p>\n<p>&nbsp;<\/p>\n<h5>The AAE issues a new report on Sustainable Products on Insurance<\/h5>\n<p><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15.png\" rel=\"https:\/\/actuary.eu\/wp-content\/uploads\/2023\/06\/Sustainable-Products-in-Insurance-DEF2.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-15999\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15.png\" alt=\"\" width=\"198\" height=\"282\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15.png 602w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15-211x300.png 211w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15-496x705.png 496w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/08\/Capture-decran-2023-08-01-a-11.26.15-450x639.png 450w\" sizes=\"(max-width: 198px) 100vw, 198px\" \/><\/a>With the release of its report on Sustainable Products on Insurance, the European organization wants to make constructive proposals and contribute to the ongoing debate of sustainibility of the insurance sector. The report states constructive proposals and contribute to the ongoing debate of sustainibility of the insurance sector. The report discusses the following topics:<\/p>\n<ul>\n<li>How the EU\u2019s Sustainable Finance Disclosure Regulation (SFDR) aims to improve transparency about the ESG features of investment-based insurance products.<\/li>\n<li>What sustainability means for other insurance products, with a focus on insurance risks in Life, Health and Property &amp; Casualty lines.<\/li>\n<li>How sustainable solutions can be benchmarked against the UN Sustainable Development Goals (SDGs).<\/li>\n<li>What are the key initiatives to increase transparency, through the use of a sustainable taxonomy and other non-financial reporting standards.<\/li>\n<\/ul>\n<p>You can read the full report <a href=\"https:\/\/actuary.eu\/wp-content\/uploads\/2023\/06\/Sustainable-Products-in-Insurance-DEF2.pdf\"><span style=\"text-decoration: underline;\">here<\/span><\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"insurers-sanctioned\">Claims: insurers sanctioned for late reply<\/h5>\n<p>The Minister for the Economy has proposed a bill that would require insurers to respond more quickly to policyholders following a claim. If no response is received within three months, a fine of \u20ac300 will be imposed. If the policyholder has sent a reminder and has not received a response within 14 days, a fine of \u20ac300 per day of delay will appply.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"law-sales\">The Economic Committee of the House has passed the law concerning bundled sales<\/h5>\n<p style=\"text-align: justify;\">In short, the conditional interest reduction is only authorised for fire insurance, debt balance insurance and surety insurance in bundled sales.<\/p>\n<p style=\"text-align: justify;\">Bundled insurance policies may only be linked to the insurance company and no longer to the insurance broker.<\/p>\n<p style=\"text-align: justify;\">Consumers may cancel grouped insurance policies, without losing the interest reduction, after one-third of the total term of the mortgage, and before one-third of the total term of the mortgage in the event of a rate increase (no ABEX indexation) and claim.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Sources:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.axa.be\/fr\/presse\/2023\/axa-et-doctena-s-unissent-pour-faciliter-l-acces-aux-soins-de-sante\">Communiqu\u00e9 de presse, AXA et Doctena s\u2019unissent pour faciliter l\u2019acc\u00e8s aux soins de sant\u00e9<\/a><\/li>\n<li><a href=\"https:\/\/assuropolis.kluwer.be\/secure\/documentview.aspx?id=VS301025607&amp;scrollid=VS301025607&amp;NavSearchId=9383803\">Assuropolis, AG et BNP Paribas Fortis officiellement nouveaux actionnaires de Touring<\/a><\/li>\n<li><a href=\"https:\/\/www.eiopa.europa.eu\/eiopa-research-sheds-light-why-households-and-businesses-are-reluctant-take-out-natcat-insurance-2023-07-05_en\">Press release, EIOPA research sheds light on why households and businesses are reluctant to take out NatCat insurance<\/a><\/li>\n<li><a href=\"https:\/\/www.belfiusdirect.be\/fr\/corona-direct-devient-belfius-direct-assurances\/\">Belfius Direct Assurance, Corona Direct devient Belfius Direct Assurances<\/a><\/li>\n<li><a href=\"https:\/\/www.reinsurancene.ws\/zurich-announces-partnership-with-insurtech-qover\/\">Reinsurance News, Zurich announces partnership with insurtech Qover<\/a><\/li>\n<li><a href=\"https:\/\/assuropolis.kluwer.be\/secure\/documentview.aspx?id=VS301025023\">Assuropolis, Dermagne veut sanctionner les assureurs qui tardent \u00e0 r\u00e9pondre<\/a><\/li>\n<li><a href=\"https:\/\/www.nn.be\/en\/press-release\/nationale-nederlanden-schadeverzekering-maatschappij-nv-and-nn-non-life-insurance-nv\">Press release, Nationale-Nederlanden Schadeverekeringen Maatschappij NV and NN Non-Life Insurance NV join forces<\/a><\/li>\n<li><a href=\"https:\/\/www.fsma.be\/fr\/news\/la-fsma-publie-son-vade-mecum-sur-le-product-oversight-and-governance-pog-en-assurances\">Communiqu\u00e9 de presse, La FSMA publie son vade-mecum sur le Product Oversight and Governance (POG) en assurances<\/a><\/li>\n<li><a href=\"https:\/\/www.fsma.be\/en\/news\/evolution-belgian-investment-funds-first-quarter-2023\">Press release, Evolution of Belgian investment funds in the first quarter of 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.lecho.be\/entreprises\/services-financiers-assurances\/catastrophes-naturelles-le-plafond-d-intervention-des-assureurs-multiplie-par-4\/10481616.html#:~:text=Le%20plafond%20d'intervention%20des%20assureurs%20en%20cas%20de%20catastrophe,%2C6%20milliard%20d'euros.\">L\u2019Echo, Le plafond d\u2019intervention des assureurs multipli\u00e9 par 4.<\/a><\/li>\n<li><a href=\"https:\/\/www.lecho.be\/entreprises\/services-financiers-assurances\/amelie-breitburd-ceo-de-lloyd-s-europe-une-couverture-europeenne-du-risque-climatique-aurait-du-sens\/10483125.html\">L\u2019Echo, Am\u00e9lie Breitburd (Lloyd\u2019s Europe)&nbsp;: \u00ab&nbsp;Une couverture europ\u00e9enne du risque climatique aurait du sens&nbsp;\u00bb<\/a><\/li>\n<li><a href=\"https:\/\/assuropolis.kluwer.be\/secure\/documentview.aspx?id=VS301024520\">Assuralia, Ventes group\u00e9es&nbsp;: le projet de loi a \u00e9t\u00e9 d\u00e9battu et vot\u00e9 par la commission de l\u2019\u00e9conomie de la Chambre<\/a><\/li>\n<li><a href=\"https:\/\/www.eiopa.europa.eu\/tools-and-data\/risk-dashboard_en\">EIOPA, Risk dashboard&nbsp;<\/a><\/li>\n<li><a href=\"https:\/\/actuary.eu\/wp-content\/uploads\/2023\/06\/20230607-AAE-PR-on-Sustainable-Products-FINAL.pdf\">Press release, Actuarial Association of Europe publishes AAE Discussion Paper \u201cSustainable Products in Insurance\u201d&nbsp;<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Every month, we help you keep up with the Belgian and Luxembourg insurance markets. Mergers &amp; acquisitions AG and BNP Paribas Fortis are Touring\u2019s new shareholders Merger between NN Non-Life Insurance S.A. and Nationale-Nederlanden Schadeverzekeringen Maatschappij N.V. Partnerships Axa and Doctena join forces to strengthen access to health care Zurich Insurance Group capabilities joins forces [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15994,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[341],"class_list":["post-15878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-be","tag-keeping-up-with-the-market"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Keeping Up With The Market - July 2023 - Asquarepartners.com<\/title>\n<meta name=\"description\" content=\"Every month, we help you keep up with the Belgian and Luxembourg insurance markets. 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