Climate and nature
Climate: accelerating towards net zero emissions
We have committed to a clear goal: we aim to achieve net zero carbon emissions by no later than 2050. We plan to do so by reducing our emissions and offsetting the remaining emissions. In doing so, we follow international climate goals and report annually on our progress.
Insurance and services
We are committed to sustainability within our insurance and services, and we offer our customers sustainable solutions. These include home improvements such as solar panels, heat pumps and home batteries, and electric vehicle fleets or sustainable improvements to premises for our commercial customers.
We also offer preventive measures to avoid damage, and when it comes to claims settlement, we encourage sustainable repair methods, with less waste and lower carbon emissions.
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Investments and financing
We aim to achieve net zero carbon emissions in our investments and financing activities. With respect to investments in companies, our goals is a 68% reduction in carbon emissions by 2030 (compared to 2020 market benchmark) and net zero emissions by 2040. For real estate investment, our carbon reduction target is 55% by 2030 (compared to 1990) and for mortgages, 33% by 2030 (compared to 2022).In order to accelerate the transition to a sustainable economy, we aim for at least 10% of our own investments to have a clear positive social and environmental impact.
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Own business operations
We also take responsibility when it comes to our own business operations, and we are working towards net zero carbon emissions by 2030. We are increasing the sustainability of our buildings and our (leased) vehicle fleet, as well as using entirely green electricity and applying circular principles in our procurement processes wherever possible.
We will make use of carbon certificates and reforestation projects to offset the remaining emissions.
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Transparency and accountability in our Climate Transition Plan
In Our Climate Transition Plan we describe our ambitions and actions, and we report on our progress. This plan is publicly available and is updated each year to keep everyone informed of our progress, and to keep us focused on our net zero goal.
Biodiversity: enhancing the resilience of nature
Biodiversity is the foundation for a healthy environment and a resilient economy. We believe we are responsible for actively contributing to protecting and restoring nature. For this reason, we are implementing step-by-step measures that impact our services, investments and our own business operations.
Insurance and services
With respect to insurance, in the coming years we will be examining the effects of our non-life insurance portfolio upon biodiversity, and the extent to which we are dependent on healthy ecosystems ourselves. This insight will help us to make informed choices and formulate specific, measurable goals toward 2030 that actually contribute to restoring nature and biodiversity.
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Investments and financing
Biodiversity is also an integral part of our investments and financing activities. We have signed the Finance for Biodiversity Pledge and are committed to transparent reporting on our objectives and results, aligning with internationally recognised standards such as the Taskforce on Nature-related Financial Disclosure (TNFD) framework. This enables us to ensure that our progress is both visible and assessable.Read about sustainable investments and financing >