11. Gross written premiums

Gross written premiums	1 January - 31 December 2016	1 January 31 December 2015
Gross written premium – non-life insurance	12,182	10,362
In direct insurance	11,981	10,036
In indirect insurance	201	326
Gross written premium – life insurance	8,037	7,997
Individual insurance premiums	1,260	1,307
Individually continued insurance premiums	1,946	1,935
Group insurance premiums	4,831	4,755
Total gross written premiums	20,219	18,359

In 2016 and 2015, the PZU Group entities did not conclude inward reinsurance agreements for life insurance.

Gross written premiums in direct property and casualty insurance (by classes specified in section II of the appendix to the Act on insurance Activity)	1 January - 31 December 2016	1 January – 31 December 2015
Accident and sickness insurance (group 1 and 2)	577	615
Motor third-party liability insurance (group 10)	4,467	3,278
Other motor insurance (group 3)	3,272	2,627
Sea, aircraft and transport insurance (groups 4, 5, 6, 7)	85	61
Insurance against fire and other damage to property (groups 8, 9)	2,380	2,318
Third-party liability insurance (groups 11, 12, 13)	753	751
Credit insurance and suretyship (groups 14, 15)	66	91
Assistance (group 18)	381	314
Legal protection (group 17)	7	4
Other (group 16)	194	303
Total	12,182	10,362

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