see above
https://www.researchgate.net/publication/228202693_Determinants_of_Performance_in_the_General_Insurers_of_Pakistan
Good articles/ research papers are given in references
Article Determinants of Performance in the General Insurers of Pakistan
Here is everything about polish market
http://www.knf.gov.pl/en/about_the_market/Insurance/Financial_and_statistical_data/Annual_data/annual.html
"The relationship between underwriting profit margin and investment income:changes in competitiveness in property and liability insurance." Journal of Insurance and risk management, volume III issue 5 , 2004
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