27.1%
Adriatic, not Croatia osiguranje, leads Croatian motor liability
Adriatic writes more motor TPL than any rival, although Croatia osiguranje is 2.1 times its size overall. With Euroherc, the Agram group holds more than half of the line.
Croatia osiguranje is the largest insurer in Croatia by a wide margin, with 26% of all premium. In motor third-party liability, the country's largest line at €616m, it is only third. Adriatic osiguranje leads with 27.1% of the line, ahead of Euroherc with 24.9%; Croatia osiguranje follows with 18.4%.
The two leaders are motor specialists: motor TPL is 63% of Adriatic's book and 55% of Euroherc's, against 20% at Croatia osiguranje. Adriatic and Euroherc both belong to the Agram group, so Agram holds 52.0% of Croatian motor liability between its two companies, 2.8 times Croatia osiguranje's share.
Specialisation does not mean profit. On the SFCR figures, Adriatic's gross combined ratio in motor TPL is 109% and Euroherc's 100%, against 92% at Croatia osiguranje and 98% for the market. Gross ratios ignore reinsurance and investment income, so they are a starting point, not a verdict.
The numbers behind it
More insights
Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them
53%Motor liability and casco brought in €22.78bn of the €43.01bn the 18 markets wrote in non-life lines in 2025, which include the accident and health cover life insurers sell. Scroll through where motor matters most, claims that rise faster than premiums, what a policy costs, how prices moved and Romania after City and Euroins.
Motor liability is 54% of all insurance premium in Kosovo*
54%Compulsory motor liability brought in €96m of Kosovo's €179m premium in 2025, 54% of the total; only Albania relies on it more. Life insurance is 5% of premium and health 22%, and Kosovans spend €113 a year on insurance, less than anyone in the region but Moldovans.
Motor liability claims are rising faster than premiums in Poland and Hungary
+72%The average motor liability claim paid in Poland rose 72% between 2021 and 2025, the average premium 25%. In Hungary claims rose 43%, premiums 19%.
Pages behind it
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Every data update is listed with its date, newest first: new figures, corrections and what they changed.
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Polisa. (2026). Adriatic, not Croatia osiguranje, leads Croatian motor liability [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/adriatic-leads-croatian-motor-liability
BibTeXShow entry
@misc{polisa_insights_adriatic_leads_croatian_motor_liability_2026,
author = {{Polisa}},
title = {Adriatic, not Croatia osiguranje, leads Croatian motor liability},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/adriatic-leads-croatian-motor-liability}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.