+72%
Motor liability claims are rising faster than premiums in Poland and Hungary
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%.
Statistics on policies and claims from the supervisors and motor bureaus show how the price and the cost of motor liability have moved since 2021. In Poland the average claim paid rose from €1,669 to €2,868, while the average premium per policy rose from €116 to €145. Claims paid now equal 68% of premium, against 62% in 2021.
Hungary shows the same pattern: the average claim rose 43%, the average premium 19%. Claims also rose faster than premiums in North Macedonia (claims +8%, premium +1%). In Bosnia and Herzegovina (claims +20%, premium +19%), Bulgaria (claims −1%, premium −5%), Kosovo* (claims −3%, premium −1%), Moldova (claims +60%, premium +57%) and Serbia (claims +30%, premium +28%) the two moved within five points of each other. Premiums rose faster in Albania (claims +16%, premium +35%), Lithuania (claims +37%, premium +46%) and Slovenia (claims +4%, premium +30%).
Higher repair, parts and labour costs push the average claim up across the region; fewer claims per policy in Poland (3.5 per 100, down from 4.3) have softened the effect. The figures are claims paid, not incurred, and in euros, so currency moves count; Poland's statistics cover all motor liability, including voluntary cover.
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.
Storms, floods and supplementary health made 2023 Slovenian insurers' only underwriting loss since 2021
104%Slovenia's non-life combined ratio after reinsurance rose from 93% in 2022 to 104% in 2023 and was back at 90% in 2024. Reinsurers paid 22% of the year's claims, against 12% a year earlier.
Pages behind it
When the figures change
Every data update is listed with its date, newest first: new figures, corrections and what they changed.
What changedCiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Motor liability claims are rising faster than premiums in Poland and Hungary [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/motor-claims-outpace-premiums
BibTeXShow entry
@misc{polisa_insights_motor_claims_outpace_premiums_2026,
author = {{Polisa}},
title = {Motor liability claims are rising faster than premiums in Poland and Hungary},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/motor-claims-outpace-premiums}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.