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Direct pojišťovna

Czechiadirect.cz ↗#10 of 22 in Czechia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
written premium, lines, solvency and claims from each domestic insurer's SFCR; ČAP member statistics for the branches of foreign insurers
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for CzechiaWhat changed

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Premium
€180m
2.2% of Czechia
Growth
+14.7%
FY 2025 vs 2024, in CZK · market +7.5%
Life share
0%
of own premium
Capital cover
136%
SCR ratio · €57m held vs €42m required
Claims and costs
94%
combined ratio after reinsurance · gross 87% · market 86%
In shortNumber 10 of 22 in Czechia with 2.2% of premium, growing faster than the market. Strongest in Motor TPL, with 6.3% of the line. Its non-life business made money on underwriting, with a combined ratio of 94% after reinsurance against 86% for the market. It holds 1.4 times the capital it must hold.

In the news5 May 2026: Direct pojišťovna posts record 2025 with CZK 216 million net profit All news for Czechia

Latest resultsH1 2026, year to date: €102m of premium, +15.0% on H1 2025 (market +6.9%); share 2.3% (+0.2 pp), #7 of 23. More

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Direct pojišťovna's line mix, and where it stands among the 22 insurers in Czechia on each measure, FY 2025.

Line mix
Motor TPL50%
Casco20%
Property18%
Other non-life5%
Liability5%
Health2%
Size#10 of 22 by premium
€180m
larger than 57%median €106m
GrowthFY 2025 against 2024, in CZK
+14.7%
ahead of 81%median +7.6%
Claims and costsnon-life combined ratio, after reinsurance
94%
better than 21%median 90%
Capital coverSCR ratio: own funds ÷ SCR
136%
ahead of 7%median 183%
Return on equity
— no profit or equity figures

Each bar runs from the weakest to the strongest of the insurers in Czechia 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
Direct pojišťovna1.6%1.8%1.9%2.0%2.2%
Slavia pojišťovna0.7%0.7%0.8%0.9%1.0%
Maxima pojišťovna0.5%0.5%0.6%0.8%0.9%
Colonnade Insurance (branch)0.7%0.8%0.8%0.8%0.8%
ERV Evropská pojišťovna0.4%0.8%0.8%0.8%0.7%

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

    Company details

    Legal name
    Direct pojišťovna, a.s.
    Registered seat
    Brno, Czechia
    Website
    direct.cz
    LEI
    315700S44MYP53HP8S79
    Employees
    404 (2024; 353 in 2021, 361 in 2022, 380 in 2023)
    Premium per employee
    €382k (FY 2024; median for non-life insurers in Czechia: €528k; 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 Direct pojišťovna

    Short answers from the figures on this page.

    What is Direct pojišťovna's market share in Czechia?

    Direct pojišťovna wrote €180m of premium in FY 2025, 2.2% of all premium in Czechia, ranking #10 of 22 insurers; its premium grew 14.7% on FY 2024 in CZK.

    Who owns Direct pojišťovna?

    Polisa records no group for Direct pojišťovna in FY 2025.

    What does Direct pojišťovna sell?

    Direct pojišťovna is a non-life insurer; its largest lines in FY 2025 are motor TPL (49.9% of its premium), casco (20.4%) and property (17.5%).

    Is Direct pojišťovna well capitalised?

    Direct pojišťovna's SCR ratio was 136% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 183% for the insurers in Czechia.

    Is Direct pojišťovna profitable?

    Direct pojišťovna made a net profit of €8.73m in FY 2025; its non-life combined ratio was 94% after reinsurance.

    Is Direct pojišťovna growing?

    Direct pojišťovna's premium grew 14.7% in CZK in FY 2025, faster than the market in Czechia (+7.5%).

    Sources for this page

    Premium and lines: the domestic insurer's SFCR for FY 2025 (S.05.01 written premium, without statutory employer liability; Generali ČP and UNIQA without their Slovak branches), FY 2021–2024 from the SFCRs of those years; branches of foreign insurers: ČAP member statistics (Předepsané pojistné členů). Claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01, S.04.05 and S.23.01; for FY 2021–2024 from the SFCRs of those years. 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.

    APA

    Polisa. (2026). Direct pojišťovna (Czechia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/cz-direct-pojistovna

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_cz_direct_pojistovna_2026,
  author       = {{Polisa}},
  title        = {Direct pojišťovna (Czechia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/cz-direct-pojistovna}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: ČAP (no re-use terms published), ČNB (free with credit, unaltered), insurers' SFCRs (public disclosures, linked).