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Sigal

SIGAL groupAlbaniasigal.com.al ↗#1 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

Compare with nearest rivals →Compare →
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Premium
€64m
23.1% of Albania
Growth
+9.4%
FY 2025 vs 2024, in ALL · market +10.6%
Life share
0%
of own premium
Capital cover
119%
Solvency margin · €16m held vs €14m required
Claims and costs
83%
combined ratio after reinsurance · gross 71% · market 88%
In shortNumber 1 of 13 in Albania with 23.1% of premium, growing slower than the market. Strongest in Accident, with 53.5% of the line. Its non-life business made money on underwriting, with a combined ratio of 83% after reinsurance against 88% for the market. It paid €20m in claims, €32 for every €100 of its premium. It covers its required solvency margin 1.2 times.

In the news30 Jan 2026: AMF 2025 data: SIGAL holds 25.8% of the market and pays 26% of claims All news for Albania

Latest resultsJan–Sep 2026, year to date: €50m of premium, +1.1% on Jan–Sep 2025 (market +2.0%); share 23.1% (−0.2 pp), #1 of 13. More

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

Line mix
Motor TPL57%
Property17%
Health7%
Casco6%
Liability5%
Accident5%
Credit & surety1%
Size#1 of 13 by premium
€64m
larger than 100%median €16m
GrowthFY 2025 against 2024, in ALL
+9.4%
ahead of 45%median +10.1%
Claims and costsnon-life combined ratio, after reinsurance
83%
better than 83%median 90%
Capital coverlocal solvency margin
119%
ahead of 11%median 186%
Return on equitynet profit ÷ average equity
26.7%
ahead of 100%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
Sigal23.7%24.6%23.9%23.3%23.1%
Albsig17.3%16.7%17.9%17.6%17.4%
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%

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 SIGAL group

    6 companies in 3 markets · €135m premium, latest year

    All 6 on the SIGAL page →
    Albaniathis market1 company€7.6m
    Sigal Life€7.6m
    North Macedonia2 companies€36m
    SIGAL€30mSIGAL Life€5.8m
    Kosovo*2 companies€28m
    Sigal€24mSigal Life€3.8m

    Company details

    Legal name
    SIGAL UNIQA Group AUSTRIA Sh.a
    Registered seat
    Tirana, Albania
    Website
    sigal.com.al
    LEI
    529900YGZQYA423B1677 (not renewed)
    Employees
    305 (2025; 302 in 2022, 295 in 2023, 298 in 2024)
    Premium per employee
    €210k (FY 2025; median for non-life insurers in Albania: €187k; all insurers)

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Sigal

    Short answers from the figures on this page.

    What is Sigal's market share in Albania?

    Sigal wrote €63.9m of premium in FY 2025, 23.1% of all premium in Albania, ranking #1 of 13 insurers; its premium grew 9.4% on FY 2024 in ALL.

    Who owns Sigal?

    Sigal is part of the SIGAL group, which has 6 companies in 3 of the 18 markets on Polisa (FY 2025).

    What does Sigal sell?

    Sigal is a non-life insurer; its largest lines in FY 2025 are motor TPL (56.9% of its premium), property (17.4%) and health (6.7%).

    Is Sigal well capitalised?

    Sigal's solvency margin was 119% at 31 December 2025: it covered its required solvency margin 1.2 times, against a median of 186% for the insurers in Albania (local rules, not Solvency II).

    Is Sigal profitable?

    Sigal made a net profit of €12.7m in FY 2025, a return on equity of 26.7%; its non-life combined ratio was 83% after reinsurance.

    Is Sigal growing?

    Sigal's premium grew 9.4% 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). Sigal (Albania): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/al-sigal

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_al_sigal_2026,
  author       = {{Polisa}},
  title        = {Sigal (Albania): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/al-sigal}},
  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).