Compare insurers
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →€ millions, converted from local currency at each year's average rate (the fixed rate for Bulgaria and Bosnia and Herzegovina). Share and rank are within each insurer's own market. Combined ratios: green below 95%, amber 95–100%, red above 100%.
KeyWhat the rows meanWhat each row measures, and which way is better
- Premium
- The year's premium before reinsurance, with the year before under it.
- Market share
- The insurer's premium as a share of all premium in its market that year.
- Rank in market
- Its place by premium among the insurers of its market.
- Growth
- The change in premium on the year before: in local currency, in euros or after inflation, as chosen at the top of the page.
- Life share
- Life insurance as a share of its premium.
- Line mix
- How its premium splits across the lines of business, from motor to life.
- Solvency
- Capital cover: the capital it holds over the capital it must hold; above 100%, the requirement is met.
- Non-life combined ratio
- Claims and costs over earned premium in non-life business, after reinsurance where published; below 100%, the insurance itself makes money.
- Combined, gross
- The same ratio before reinsurance, split into claims and costs.
- Motor TPL, casco, property and health loss ratio
- Claims in that line over its earned premium, after reinsurance where published; lower is better.
- Net profit
- Profit after tax as reported, with profit before tax under it where published.
- Return on equity
- Net profit after tax over the average shareholders' equity of the year; higher means more profit on each euro of capital.
- Premium ceded
- The part of non-life premium passed on to reinsurers; neither a high nor a low share is better in itself.
- Claims recovered
- The part of non-life claims that reinsurers pay.
- Data notes
- What to know about the insurer's figures, such as a branch abroad counted in.
How each one is calculated: What Polisa measures, on the method page.