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Intersig VIG

VIG groupAlbaniaintersig.al ↗#5 of 13 in Albania, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
AMF insurance statistics; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for AlbaniaWhat changed

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Premium
€23m
8.4% of Albania
Growth
+7.5%
FY 2025 vs 2024, in ALL · market +10.6%
Life share
0%
of own premium
Capital cover
231%
Not published by the company
Claims and costs
90%
combined ratio after reinsurance · gross 67% · market 88%
In shortNumber 5 of 13 in Albania with 8.4% of premium, growing slower than the market. Strongest in Health, with 14.0% of the line. Its non-life business made money on underwriting, with a combined ratio of 90% after reinsurance against 88% for the market; before reinsurance it was 67%, with 43% of its non-life premium passed to reinsurers. It paid €8.4m in claims, €36 for every €100 of its premium. It covers its required solvency margin 2.3 times.

Latest resultsJan–Sep 2026, year to date: €18m of premium, +0.4% on Jan–Sep 2025 (market +2.0%); share 8.4% (−0.1 pp), #5 of 13. More

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Intersig VIG's line mix, and where it stands among the 13 insurers in Albania on each measure, FY 2025.

Line mix
Motor TPL76%
Property7%
Casco7%
Health5%
Liability3%
Credit & surety2%
Size#5 of 13 by premium
€23m
larger than 67%median €16m
GrowthFY 2025 against 2024, in ALL
+7.5%
ahead of 18%median +10.1%
Claims and costsnon-life combined ratio, after reinsurance
90%
better than 33%median 90%
Capital coverlocal solvency margin
231%
ahead of 67%median 186%
Return on equitynet profit ÷ average equity
19.5%
ahead of 80%median 15.1%

Each bar runs from the weakest to the strongest of the insurers in Albania with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Eurosig12.0%12.4%12.6%12.6%12.5%
Sigma VIG12.1%11.5%11.3%11.5%11.5%
Intersig VIG9.1%8.6%8.4%8.6%8.4%
Insig6.4%6.5%6.3%6.4%6.6%
Ansig5.9%6.0%5.8%5.8%5.9%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Also in the VIG group

    36 companies in 18 markets · €9.28bn premium, latest year

    All 36 on the VIG page →
    Albaniathis market2 companies€32m
    Sigma VIG€32mVienna Life€0.1m
    Czechia2 companies€2.59bn
    Kooperativa€1.89bnČeská podnikatelská pojišťovna€700m
    Poland3 companies€1.88bn
    Compensa€985mInterRisk€452mVienna Life€445m
    Romania3 companies€1.13bn
    Omniasig€578mAsirom€412mBCR Asigurări de Viață€142m
    Hungary2 companies€926m
    Alfa VIG€579mUnion VIG€347m
    Slovakia2 companies€913m
    Kooperativa€795mKomunálna poisťovňa€118m

    Also in Lithuania · €510mBulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mSlovenia · €54mBosnia and Herzegovina · €52mNorth Macedonia · €47mMoldova · €21mKosovo* · €15mMontenegro · €14m

    Company details

    Website
    intersig.al
    Employees
    135 (2025; 138 in 2022, 132 in 2023, 131 in 2024)
    Premium per employee
    €172k (FY 2025; median for non-life insurers in Albania: €187k; all insurers)

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Intersig VIG

    Short answers from the figures on this page.

    What is Intersig VIG's market share in Albania?

    Intersig VIG wrote €23.2m of premium in FY 2025, 8.4% of all premium in Albania, ranking #5 of 13 insurers; its premium grew 7.5% on FY 2024 in ALL.

    Who owns Intersig VIG?

    Intersig VIG is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).

    What does Intersig VIG sell?

    Intersig VIG is a non-life insurer; its largest lines in FY 2025 are motor TPL (75.6% of its premium), property (6.9%) and casco (6.6%).

    Is Intersig VIG well capitalised?

    Intersig VIG's solvency margin was 231% at 31 December 2025: it covered its required solvency margin 2.3 times, against a median of 186% for the insurers in Albania (local rules, not Solvency II).

    Is Intersig VIG profitable?

    Intersig VIG made a net profit of €1.88m in FY 2025, a return on equity of 19.5%; its non-life combined ratio was 90% after reinsurance.

    Is Intersig VIG growing?

    Intersig VIG's premium grew 7.5% in ALL in FY 2025, slower than the market in Albania (+10.6%).

    Sources for this page

    Premium, lines and claims: AMF (Financial Supervisory Authority of Albania), insurance market statistics. Solvency margin: AMF and the insurer's annual report. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite 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.

    APA

    Polisa. (2026). Intersig VIG (Albania): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/al-intersig-vig

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_al_intersig_vig_2026,
  author       = {{Polisa}},
  title        = {Intersig VIG (Albania): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/al-intersig-vig}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: AMF (no re-use terms published), Bank of Albania (all rights reserved, exchange rates only).