What changed
Data
New figures and corrections, by data version: its date is the one in the footer of every page built from it.
data version 2026-11-11
- Lietuvos draudimas now says that its 2024–2025 premium is the Bank of Lithuania's figure, a little above its solvency report's figure for Lithuania, and LHV Kindlustus now says that its figures are the whole company's, including its small business in Latvia
data version 2026-11-10
- InterRisk (2021–2025) and PZU (2021–2022) now say that their motor lines are KNF's figures for direct business and that the motor premium in their solvency reports, which also counts reinsurance accepted, is higher and not in the split by line (for InterRisk €64m in 2025)
- Exim România and Asito Kapital, which Exim bought from Moldasig in 2025, are now shown as the EximBank group; the notes on Slovenia and Czechia now say that Slovenian pension insurance is not counted as life premium and that Czech insurers report riders sold with life policies differently, so life premium from other sources can differ
- Fifteen insurers' data notes for 2025 now explain an unusual figure from their own reports: premium still being earned (Triglav's Italian motor business from June 2025, Barents, Saltus Życie, BNP Paribas Cardif in Slovakia), heavy reinsurance (Garanta, NN Asigurări, CIG EMABIT, Wiener Banja Luka, Intact, Transelit), whose solvency margin is shown for three Bosnian composites, TUW PZUW's two premium bases, and UNIQA životno's staff; TUW TUW's note says who owns it (InterRisk, 52%) and why it is not counted in VIG's figures
- Premium written outside the home market was corrected for Allianz Hrvatska in 2024 (€37m, not €49m: its report's life figure is not borne out by EIOPA's statistics, so its home-market growth reads +12.5% for 2024 and +5.3% for 2025) and added for Aegon Życie in Poland (€30m to €34m a year in 2021-2023, its Romanian branch) and ONIX in Romania (all of its premium, written in Italy and other EU countries); Groupama in Hungary and Bulstrad Life are now on one basis in every year
- Premium written outside the home market now goes back to FY 2021 for 13 of the 14 insurers where it is split out (all but Lev Ins) (from their SFCRs and the supervisors' statistics of business across borders), so Home market only now gives a growth for every year in Slovenia, Croatia, Hungary and Czechia, and up to 2023 in Bulgaria; Groupama's Slovak branch no longer counts twice in 2021-2022, and a few years without a report (Lev Ins to 2023, EIC 2024, DallBogg 2025) still give no home-market growth for Bulgaria from 2024
- Premium written outside the home market is now split out for 14 insurers in 5 markets (it was 2), from the premium by country in their SFCRs: the largest Triglav (€826m in 2025, €697m of it in Italy), DallBogg (€169m in 2024), Euroins (€134m in 2023 to €175m in 2025) and Adriatic osiguranje (€96m in 2025, its Italian branch); Home market only leaves it out, branches that are also rows in Slovenia no longer count twice there, a growth across a year without the split (before FY 2023, or no report) is not given, and the totals with it are unchanged
- No figures changed: five more automatic checks (gross against net combined ratio, lines against the official classes, line totals, earned against written premium by line, premium per employee) and the November data review's scans (new anomalies against those already reviewed, the same figure across pages and exports) now run with every build
- Where an insurer's ratios are its company totals spread over the lines (outside Solvency II, and Bulgaria FY 2021–2022), its headline combined ratio is now the whole company's, as the footnote always said; 79 of 386 insurer-years move by 2 points or more, EIG Re 2022 the most (54% to 92% after reinsurance, as its motor claims sat on a line under €1m), and market ratios by up to 3 points
data version 2026-11-09
- Notes added for 17 premium jumps and unusual figures that are true to the source (Posta Élet's single premiums, PKO Życie's first half of 2026, Croatia osiguranje's credit reserve release, Euros' and Erste Allianz Życie's high return on equity)
- Line pages give the coverage of their ratios after reinsurance as a share of the whole line's written premium (the ratios are unchanged); Romania's 2021–2022 and Bulgaria's 2023 market notes name the insurers that published no claims template (City Insurance, Euroins); Czechia's chart no longer marks a break in 2023, as its premium is the SFCR's in every year, and the Outlook's back-test now counts that year
- UNIQA and Cardif (Hungary) FY 2025: health after reinsurance read from their own reports, so their headline combined ratios are after reinsurance again (UNIQA 82%, Cardif 91%); Lithuania 2023: the home-country figures added for Compensa, Lietuvos draudimas and ERGO Life, so their ratios and their Latvian and Estonian branches are on the site's usual basis (Compensa VIG Latvia 98%, not 103%)
- Excel files: the market combined ratio now matches the page (Bulgaria 2025 93%, not 87%; Serbia 2021 86%, not 84%), insurers are counted as on the page, and the files' licences (Estonian rows CC BY-SA 4.0, NBS non-commercial with consent) are in a README beside them, on the Data page and next to each market's download buttons
- Moldova: Grawe Carat's solvency margin is its general business as the National Bank prints it (150%, not 277%), so the market median is 153%; Slovakia's lines say that SLASPO's members write 20% of credit and suretyship, 84% of liability and 88% of property
data version 2026-11-08
- DZI Life's FY 2025 health combined ratio after reinsurance added from its own templates: 102% (90% before reinsurance)
- FY 2025 health combined ratios after reinsurance corrected for 15 insurers in Hungary, Romania, Slovenia and Bulgaria, whose life-written health business had been counted without its figures after reinsurance (NN Hungary 846% is 102%)
- Signal Iduna (Romania): net profit and equity 2021-2025 from the Ministry of Finance's financial statements; 2023 equity corrected
data version 2026-11-07
- Five Slovak branches' 2025 claims are graded B, like every branch's; Armeec's and Groupama Romania's own-funds tiers now add up to their own funds
- Quality grades now follow each row's own note: corrected or report-text claims and branches' claims are B, solvency from a clean S.23.01 is A even where the lines were scaled
- Return on equity: a dividend between two insurers of the same market is counted once, as in net profit; Poland's 2025 return is 19.3%, not 22.8%, and the return-on-equity insight is corrected
- Baltic states: market profit, equity and return on equity split each multi-country company by premium; Estonia's 2025 net profit is €77m, not €150m, Lithuania's €158m, not €101m
- Albania and Kosovo: Sigma's Kosovo branch now shows its own profit and equity, and Sigma's Albanian figures leave the branch out, so Sigma's Albanian premium earned, profit and rank are lower from 2022
- Bosnia and Herzegovina and Kosovo: solvency ratios are now capital over the requirement each supervisor tests (Bosnia: the higher of the margin and the minimum guarantee fund; Kosovo: the higher of the €3.2m fund and 150% of the margin), so most ratios are lower
- Bulgaria: Euroins' premium written abroad (€113.3m in 2024, €175.2m in 2025) is recorded, so home-market growth leaves it out
- Czechia, Croatia and two Slovenian insurers: premium from the insurers' Solvency II templates now counts as grade A, as the legend says, so "Grade A figures only" keeps them
- Czechia: UNIQA's Slovak life premium for 2021 is no longer counted in Czech life, and Generali Česká pojišťovna's 2025 premium leaves out its Slovak branch by the insurer's own figures
- Czechia: every domestic insurer's premium is now the written premium of its Solvency II report for 2021–2025, as in Croatia, because ČAP's table counts life single premiums at a tenth; the Czech market is 3–7% larger and Komerční pojišťovna's 2025 premium is €303m, not €134m
- Hungary: Groupama's 2023 non-life ratios are back, spread over its lines from the template's totals; Bulgaria: Phoenix Re (EIG Re) counts in the Eurohold group for 2021–2024
- Hungary: line amounts from 2023 include insurance tax like the totals, and Medicover counts as health in 2021–2024
- Latvia: the accident and health premium written by life insurers is now counted, so the market is €850.2m in 2025, not €793.6m
- Lithuania, Latvia and Estonia: the market's equity and return on equity now count the foreign insurers' branches, each with its share of the parent's equity
- Poland: Warta's dividends from Warta Życie are counted once in 2024–2025; Serbia: 2021 return on equity uses average equity; Romania: Omniasig's 2025 ratios by line use its published expenses; GRAWE Romania 2021 and Merkur Slovenia 2022 ratios are withdrawn until re-read
- Poland, Hungary and Romania: motor figures per insurer for 2021–2023 now come from KNF, MABISZ and ASF, as in 2024–2025, so Polish and Hungarian motor growth by year has changed
- Romania: GRAWE's 2021 solvency ratio is 140.7% from its 2021 report (226% shown before was the 2020 figure); Slovenia: Triglav's 2021 lines are its direct business, as for 2022-2024
- Serbia: Wiener Städtische's solvency margin for FY 2025, 171.7%, now shows on the site (it still showed FY 2024's 160%), and the Serbian median is 195%
- Serbia: Wiener's 2025 solvency margin is its 2025 figure (171.7%), and Wiener 2022 and Generali 2023 are added; Latvia's MCR ratios use MCR-eligible own funds; Moldova: GRAWE Carat's equity includes its life business
- Serbia: solvency margins for GRAWE and SG from their business reports (all 16 insurers covered for 2023–2025); DDOR and GRAWE get combined ratios after reinsurance from their published life/non-life split
- Slovenia, Czechia, Slovakia and Montenegro: Triglav's lines for 2022–2024 are its direct business; accepted excess-of-loss reinsurance counts in its own line; ERV 2022, MAXIMA 2023, Slovak health and Generali Montenegro's lines corrected
Site
Pages, charts and texts; the figures did not change.
- The insight on Triglav's Italian motor business again gives its Italian premium, €697m in 2025, and the market's growth without it, about 5%; Triglav's page says €826m was written outside Slovenia
- The Privacy page now says that downloads of the data files are counted by day, file and country, without storing anything that identifies you
- The Method page now says which Slovenian pension insurance is left out and how Czech life riders are reported
- With Home market only on, an insurer that writes all its premium abroad is shown as such rather than as a negative premium, and a line's share of an insurer's business is set against its whole premium, so it no longer passes 100%
- Phone controls are easier to tap, names no longer break mid-word in Compare, the data version shows beside the date and in citations, and share images carry a whole source line
- Group, line, Prices, Peer group, Compare and Performance pages no longer jump while they load on a first visit
- On a phone, Growth's choices (local currency, euros, real) now open as a sheet at the bottom of the screen, and In short no longer covers the line in the market's colours under the page head
- Search understands legal names, local names of lines, regulators and groups, forgives a typo, takes two-word queries in any order, and suggests the nearest name when nothing matches
- Addresses now keep the line and the Rankings filters, links from a line page open the market's share list at that line, market pages point to motor liability prices, Rankings says how many insurers the €50m filter hides, and the five-largest table shows all five years
- The View button is now called Growth, because it changes growth only; Home market only is its own switch on the pages it changes, lasts for the visit and travels with a shared address, and while it is on a bar above the figures says what is left out; a market page's head and title follow the year shown, and a new setting keeps your place on the page
- Quality grades open an explanation and appear on market pages; tables say "Combined, net" and "Combined, gross" with a colour key; percentage points, HHI, ROE, YoY, CAGR and gross are in the glossary, and Method lists every term (search finds it under "glossary"); closing search with Escape returns the focus
- Line ratios below zero or above 200% now say why (a reserve release, exceptional claims), return on equity says when it stands on year-end equity, and amounts under €10m are rounded once (Modra's 2025 profit is €1.0m, not €1.1m)
- New market news for Poland, Hungary, Lithuania, Latvia and Estonia
- The Method page now says that 14 insurers' solvency ratios use long-term guarantee measures (the ratio without them is on each one's page), that Hungary's premium includes the insurance tax, that IFRS 17 breaks the profit series in 2023, and how far the Baltic estimates missed in a back-test
- Figures say their basis where they are read: each latest quarter names its document and the months it covers, the Czech quarter says it is on ČAP's basis, Hungarian line figures say how they are brought to the market total, Triglav's growth names its Italian book, and the home-market switch names Euroins as well as Triglav
- The unused pictures of planned reports were removed from the site
- Terms, Privacy and the source table brought up to date: the National Bank of Serbia's consent, 13 more sources and the news publishers listed, the Estonian CC BY-SA rows named, Eurostat's and the publishers' disclaimer, a right of correction for insurers named on the site, and what the browser keeps
- The "Pages behind it" cards under each insight now show one family of marks: coins for markets, lines and pages, logo tiles for insurers and groups
- On the insight cards, a line of business now shows as a round coin beside the flags instead of a square tile over them
- Rankings and All insurers no longer jump while they load on a first visit: their filters, quick views and counts are in place from the start
- Insight articles open with their headline figure and list the pages behind them as cards; an insurer's "Also in the group" shows the group by market with flags and premium; line icons are now one flat family across the site, including the menu
- On phones the Rankings' filters sit under one View button and the rows of line, market and topic buttons scroll sideways in one row, so the figures come first
- Charts now share one style: line names sit at the line ends with a short pointer, each insurer and market keeps the same colour on every chart, the show-or-hide lines buttons are folded under one button, and the claims chart shows units on its axis
- Line pages open with key figures and charts by market (profit from the 100% line, premium and growth) and a list of the largest insurers with logos; the full tables are folded under All figures
- Small labels, table headings and chart axes are now at least 12px, so they are easier to read on every page
- Profit on market and insurer pages opens with key figures and charts (largest profits, return on equity against the market median); reinsurance cedents show as a list with logos; the tables are folded under All figures
- Lines on market and insurer pages open with key figures and two charts (profit by line from the 100% line, line leaders or premium mix); the full table is folded under All figures
- Rankings and Peer group show combined ratios as distance from the 100% break-even line, so the margin of each insurer is easy to compare
- Market and insurer pages have calmer heads with the flag as a thin stripe, and the market share list shows logos, bars coloured by insurer type and scaled to the market leader
- Small fixes across the site: total rows, phone headings, run-off insurers, the deals page's section links and the claims chart's scale
- Every market page now has a news timeline with sources, and insurers show their group's logo consistently in the ranked lists
- Market pages open with the latest quarterly results, including who gained and lost share; insurer pages show their latest quarter in In short
- Rankings can now be filtered by type of insurer (life, composite, non-life), for every measure
- The Life page now compares life insurers' profit, return on equity and net margin across 15 markets, with the most profitable life insurers
- Life insurers now show net margin and life expense ratio beside their market's; market pages split profit, ROE and margin by type of insurer
- New Productivity page: premium per employee for 213 insurers in 16 markets, within type, with the largest employers
- Bulgaria and Serbia now have a news timeline on their market pages, and every market explains its largest share moves with the events behind them