How we work

Where the figures come from

Collected

Every figure starts in a published document: the statistics of each market's supervisor, central bank or insurance association, and the Solvency and Financial Condition Report (SFCR) that every insurer under Solvency II publishes each year. In all, 46 sources, 40 of them in the 18 markets and 6 for the whole region (Eurostat, insurers' SFCRs, IMF, EIOPA, Natural Earth and News publishers), and 973 SFCR reports, 187 of them for FY 2025.

Every figure on the site has an i button that names its document, the template or table, the formula and the currency conversion. Market shares, ratios, growth and euro amounts are Polisa's own calculations from those figures.

• PolandKNF
• CzechiaČAP · ČNB
• HungaryMABISZ · MNB
• RomaniaASF
• SloveniaSZZ · AZN
• SlovakiaSLASPO · NBS
• BulgariaFSC
• CroatiaHANFA · HUO
• LithuaniaBank of Lithuania
• SerbiaNational Bank of Serbia
• LatviaLatvijas Banka
• EstoniaStatistics Estonia
• Bosnia and HerzegovinaAZOBiH · ANO FBiH · AZORS
• North MacedoniaISA
• AlbaniaAMF
• Kosovo*Central Bank of Kosovo
• MoldovaNational Bank of Moldova
• MontenegroANO

Every market's sources, documents and terms

How they are checked

Checked

49,376automated checks on every build of the site

Before the site is published, a build checks the data. It stops on an error, such as a duplicate insurer, a missing exchange rate, a market total that is not positive, line splits that cover less than 95% of premium without being marked as partial, or a claim in an insight that the data no longer supports. Figures a person should look at are flagged for review, such as an insurer's premium up or down by more than half with no explanation, a combined ratio outside 40–150%, or a solvency ratio that does not match own funds over the requirement.

Last build, 11 Nov 2026: 0 errors, 0 figures flagged for review, and 14 more checked and explained.

A grade on every figure

Beside each figure, a grade says where it comes from. Across the 349 insurers of each market's latest year:

• Premium100% APremium: 349 grade A, of 349 insurers.
• Lines of business20% ALines of business: 70 grade A, 272 grade B, of 342 insurers.
• Claims and costs50% AClaims and costs: 147 grade A, 125 grade B, 22 grade C, of 294 insurers.
• Solvency63% ASolvency: 172 grade A, 100 grade B, of 272 insurers.

AGrade A: published per insurer (supervisor's table or the insurer's Solvency II templates)BGrade B: from the report text or financial statements, or corrected or rebuiltCGrade C: estimate or approximation

All the checksQuality grades

How often they are updated

Updated

Each market is updated when its source publishes: most supervisors and associations every quarter, the insurers' SFCRs once a year, in spring. A script checks the sources' statistics pages for new documents, last on 2 Nov 2026.

Next on the calendar

a quarter, half-year or nine monthsthe full yearusual month passed, due now

Due now, later than usual: Slovenia (Q1 2026, H1 2026); Slovakia (Jan–Sep 2026); Serbia (Jan–Sep 2026).

1. Due nowQ1 20261 market, later than usual: Slovenia
2. November 2026Jan–Sep 20262 markets: Slovakia, Serbia
3. December 2026Jan–Sep 202610 markets: Poland, Czechia, Hungary, Romania, Bulgaria, Lithuania, Latvia, Estonia, North Macedonia, Moldova
4. April 2027FY 20261 market: Croatia
5. May 2027FY 20264 markets: Bosnia and Herzegovina, Albania, Kosovo*, Montenegro

The footer of every page shows the data version, the date of the last change to the data and a short fingerprint of the data file (now 2026-11-11.13378f), so you can tell which figures you saw. What changed lists every data update, newest first.

Latest period by marketWhat changed

How errors are corrected

Corrected

An error is a figure that differs from its source, a wrong label, period, currency or attribution, an insurer missing from a market it writes in, or a claim in a text the data no longer support. A difference between two sources is not one: Polisa shows the source it uses and why, market by market.

1. You writeThe Report a data error link in every page's footer opens an email with the page's address; or write to the address below. Say what looks wrong and, if you can, where the right figure is published. You hear back within two working days.
2. We check the sourceThe figure is compared with the source document and with how Polisa builds it. A source's own figure is not changed, even when it looks wrong: the doubt is noted beside it.
3. We correct it and say soA wrong figure is corrected in the next build, usually within a week, and the correction is listed in What changed, marked as a correction, with the data version it came in. Every page's footer shows the data version, so you can tell which figures you saw.

Report a data erroror write to kontakt@polisapro.com