Non-life insurance is the second-largest segment in the industry, accounting for 42% of the total gross written premium in 2012. The motor insurance category is the largest in the segment. The category, particularly the motor hull sub-category, was adversely affected by intense competition during the review period. This resulted in a decline in premium rates and consequently, the gross written premium registered by the category declined during the review period. The adverse impact on the category was accentuated by a decline in the number of new vehicle registrations. The number declined from 102,378 units in 2008 to 78,259 units in 2012 - the number increased from 73,856 in 2010 to 78,259 units in 2012. Premium rates are expected to remain pressured for the first two quarters of 2014. The motor insurance category will be helped by an increase in the number of new vehicle registrations over the forecast period.