القائمة
Icelandic insurance market — Sjóvá, Skagi/VÍS, TM, Vörður; combined ratios and Nordic comparison.
التثبيت باستخدام Codex أو Claude انسخ هذا Prompt والصقه في Codex أو Claude أو مساعد آخر ليراجع صفحة Skill ويثبّتها لك.
استنادا إلى تصنيف SOC المهني
Iceland energy authority — electricity generation, use, fuel sales, power plants and licences. Use for energy-system analysis.
Fiskistofa — public WFS layers for fishing closures, regulations and fishing areas; paid REST catch/quota data is excluded.
Hafrannsóknastofnun / MFRI — annual fish-stock assessments, advice, landings and survey series in embedded tables.
Environment Agency of Iceland GIS — open WFS layers for contaminated land, water, protected areas, noise and wastewater.
Icelandic Met Office (Veðurstofa) — weather observations, stations, forecasts and earthquakes via the modern JSON API at api.vedur.is.
Iceland Tax Authority — annual reports (ársreikningar), company registry, ownership chain mapping by kennitala.
| name | insurance |
| description | Icelandic insurance market — Sjóvá, Skagi/VÍS, TM, Vörður; combined ratios and Nordic comparison. |
| Company | Kennitala | Parent | Listed | Notes |
|---|---|---|---|---|
| VÍS tryggingar hf. | 6701120470 | Skagi hf. (6906892009) | SKAGI | Insurance ops transferred Jan 2025 |
| Sjóvá-Almennar tryggingar hf. | 6509091270 | Independent | SJOVA | Largest by premiums |
| TM tryggingar hf. | 6602693399 | Kvika → Landsbankinn | — | Sale pending competition approval |
| Vörður tryggingar hf. | 4410993399 | Arion banki | — | Bank subsidiary |
Use Skagi (6906892009) for VÍS consolidated data — the 6701120470 entity is a newly created operating company with limited standalone history.
uv run python scripts/skatturinn.py download 6906892009 --year 2024 # Skagi/VÍS
uv run python scripts/skatturinn.py download 6509091270 --year 2024 # Sjóvá
uv run python scripts/skatturinn.py download 6602693399 --year 2024 # TM
uv run python scripts/skatturinn.py download 4410993399 --year 2024 # Vörður
uv run python scripts/financials.py extract data/raw/skatturinn/6906892009_2024.pdf --format markdown
Insurance PDFs use IFRS 17 format. Key tables:
data/processed/insurance_company_financials.csv — company-level metricsdata/processed/insurance_combined_ratios.csv — CR by company and countrydata/processed/insurance_nordic_comparison.csv — Iceland vs Nordic averages| Company | CR | ROE | Equity (B ISK) |
|---|---|---|---|
| Sjóvá | 96.2% | 17.5% | 25.1 |
| Skagi/VÍS | 97.1% | 11.3% | 22.2 |
| TM | 93.9% | ~15% | 23.2 |
| Vörður | 88.9% | 30.8% | 13.8 |
| Nordic avg | ~84% | ~20% | — |