THE BUSINESS DONE BY FINNISH MUTUAI, SOCIETIES 



The number of fires per thousand policies was 6.6 in 1914. 

 were distributed as follows according to months : 



35 



The fires 



January . 

 February- 

 March . . 

 April . . 

 May . . 

 June . . 



7-8 % 

 47" 

 5-1 " 

 9.1 " 

 10.9 " 

 9-5 " 



July . . . 

 August. 

 vSeptember 

 October . 

 November 

 December . 



11.4 

 8.9 



10.2 

 9.1 

 7.0 

 6.3 



/o 



The following table shows the causes of fires in 1914 : 



. Table III. — Causes of fires. 



Causes of fires Number of fires 



Lightning 



Explosion •. 



Spontaneous combustion 



F'ireplaces in a bad state 



Chimney fires 



Hot cinders ■. 



Carelessness of smokers 



Carelessness as to fires 



Carelessness in the use of lamps and com- 

 bustible oils 



Careless use of matches 



Other carelessness 



Arson 



Other causes 



Unknown cause 



2,165 



100. o 



The insurance value of the property destroyed by incendiary crimes 

 was 63,226 francs. 



For every thousand francs of the average annual amount of insurances 

 the amoimt of losses was 1.56 francs as'against 1.62 in 1897, 1.28 in 1900, 

 1.26 in 1905, 1.36 in 1910 and 1.23 in 1913. 



The premium fixed for 1914 was in relation to the amount of the pre- 

 miums at the end of the year 1. 84 francs for a thousand francs, as agaimst 

 an average of 1.64 per thousand for the period from 1897 to 1910. 



