Instinct
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €6.2m of premium, +59.6% on H1 2025 (market +1.7%); share 0.4% (+0.2 pp), #22 of 33. More
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Instinct's line mix, and where it stands among the 36 insurers in Bulgaria on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Bulgaria 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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| OZOF Doverie | 0.6% | 0.6% | 0.6% | 0.7% | 0.5% |
| Axiom | 0.0% | 0.1% | 0.2% | 0.3% | 0.5% |
| Instinct | — | — | 0.1% | 0.2% | 0.3% |
| Fi Health | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% |
| Barents | — | — | — | 0.0% | 0.3% |
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
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Instinct beside the other insurers of Bulgaria: operating ratio, sources of profit and leverage →
Ownership and events
Company details
- Legal name
- Застрахователно дружество Инстинкт
- Registered seat
- Sofia, Bulgaria
- Website
- instinct-insurance.com
- Employees
- 20 (2025; 16 in 2024)
- Premium per employee
- €385k (FY 2025; median for non-life insurers in Bulgaria: €343k; 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. Employees: employees at 31 December as stated in each insurer's annual financial statements (Commercial Register) or SFCR, whole company; Euroins as in its SFCR key figures, Bul Ins, Fi Health and Saglasie the average listed staff; insurers whose reports give no headcount are not shown.
Questions about Instinct
Short answers from the figures on this page.
What is Instinct's market share in Bulgaria?
Instinct wrote €7.7m of premium in FY 2025, 0.3% of all premium in Bulgaria, ranking #25 of 36 insurers; its premium grew 33.3% on FY 2024 in BGN.
Who owns Instinct?
Polisa records no group for Instinct in FY 2025.
What does Instinct sell?
Instinct is a non-life insurer; its largest lines in FY 2025 are accident (81.3% of its premium), property (8.2%) and health (7.3%).
Is Instinct well capitalised?
Instinct's SCR ratio was 136% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 175% for the insurers in Bulgaria.
Is Instinct profitable?
Instinct made a net profit of €0.312m in FY 2025, a return on equity of 8.2%; its non-life combined ratio was 96% after reinsurance.
Is Instinct growing?
Instinct's premium grew 33.3% in BGN in FY 2025, faster than the market in Bulgaria (+12.0%).
Sources for this page
Premium and lines: FSC (Financial Supervision Commission), market statistics per insurer, sheet Premiums written - gross, by Solvency II line. Claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. For FY 2021–2022 the insurers whose SFCR has no S.05.01 (Euroins, Lev Ins, Bul Ins, Allianz Bulgaria and smaller ones) count with earned premium, claims and expenses, gross and after reinsurance, from their statutory income statements in FSC's annual statistics: a mixed basis, mostly within 4 points of S.05.01 and usually a little lower where both exist (quality grade B). How these numbers are built.
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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.
Polisa. (2026). Instinct (Bulgaria): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/bg-instinct
BibTeXShow entry
@misc{polisa_insurers_bg_instinct_2026,
author = {{Polisa}},
title = {Instinct (Bulgaria): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/bg-instinct}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: FSC (public information, no licence stated), Registry Agency (single pages viewed and printed), insurers' SFCRs (public disclosures, linked).