Motor liability is 54% of all insurance premium in Kosovo*

Kosovo's ten non-life insurers (one of them a branch) all write motor liability: it is between 45% and 82% of each one's premium, and 56% of the market's non-life premium. With casco it comes to 63% of non-life premium, the chart's measure, sixth of the 18 markets; casco is only 7% of non-life premium, so the compulsory cover matters more in Kosovo than the bar shows.

As a share of all premium, motor liability is 62% in Albania, 49% in Bosnia and Herzegovina, 29% in Slovenia, 21% in Poland and 17% in Czechia. Kosovo's 54% is high because the rest of the market is small: life insurance is 5% of premium, less than anywhere but Moldova.

Its weight is falling slowly. Motor liability was 60% of premium in 2021; its premium grew 37% in four years while the market grew 53% and health insurance 76%. Health is now the second line at 22% of premium; only Latvia's is a larger share, and Kosovo's figure includes accident cover, which the Central Bank reports together with health.

Kosovo is also the region's smallest insurance buyer per head after Moldova: €113 per person and 1.6% of GDP in 2025, against €72 in Moldova. The largest insurer, Sigal (13%), is one of twelve. Premium is the Central Bank of Kosovo's monthly bulletin, which publishes motor, property and accident-and-health premium per insurer, so the lines are coarser than in the EU markets; Kosovo's accounting is not IFRS 17 or Solvency II.