76%
Motor insurance is three quarters of non-life premium in Albania and Bosnia and Herzegovina
Motor TPL and casco make up 76% of non-life premium in Albania and 75% in Bosnia and Herzegovina, the highest in the region, against 47% in Czechia and 46% in Hungary.
Compulsory motor liability is the backbone of non-life insurance in the poorer markets of the region. Motor TPL alone is 69% of non-life premium in Albania, 60% in Bosnia and Herzegovina and 56% in Kosovo*. Across the Western Balkans, motor TPL and casco together are more than half of non-life premium in five of the six markets; the exception is Serbia (49%).
Where households and companies buy more voluntary cover, motor matters less: motor TPL and casco together are 47% of non-life premium in Czechia and 46% in Hungary, and lower still in Latvia (37%). Romania (71%) and Bulgaria (69%) sit closer to the Balkan pattern.
The share is a simple measure of how far a market has developed beyond the compulsory product. It also explains why price regulation of motor liability, as in Romania until 2025, moves whole markets.
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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Polisa. (2026). Motor insurance is three quarters of non-life premium in Albania and Bosnia and Herzegovina [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/balkan-insurance-is-motor-insurance
BibTeXShow entry
@misc{polisa_insights_balkan_insurance_is_motor_insurance_2026,
author = {{Polisa}},
title = {Motor insurance is three quarters of non-life premium in Albania and Bosnia and Herzegovina},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/balkan-insurance-is-motor-insurance}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.