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Hasičská vzájemná pojišťovna

Czechiahvp.cz ↗#17 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
€45m
0.5% of Czechia
Growth
+6.2%
FY 2025 vs 2024, in CZK · market +7.5%
Life share
0%
of own premium
Capital cover
182%
SCR ratio · €17m held vs €9.3m required
Claims and costs
97%
combined ratio after reinsurance · gross 79% · market 86%
In shortNumber 17 of 22 in Czechia with 0.5% of premium, growing slower than the market. Its non-life business made money on underwriting, with a combined ratio of 97% after reinsurance against 86% for the market; before reinsurance it was 79%, with 51% of its non-life premium passed to reinsurers. It holds 1.8 times the capital it must hold.

Latest resultsH1 2026, year to date: €25m of premium, +0.8% on H1 2025 (market +6.9%); share 0.6% (±0.0 pp), #18 of 23. On ČAP's basis, which counts life single premiums at a tenth; the full years are SFCR written premium. More

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

Line mix
Property49%
Motor TPL20%
Liability15%
Casco12%
Accident2%
Other non-life1%
Size#17 of 22 by premium
€45m
larger than 24%median €106m
GrowthFY 2025 against 2024, in CZK
+6.2%
ahead of 29%median +7.6%
Claims and costsnon-life combined ratio, after reinsurance
97%
better than 7%median 90%
Capital coverSCR ratio: own funds ÷ SCR
182%
ahead of 40%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
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%
Hasičská vzájemná pojišťovna0.5%0.5%0.6%0.5%0.5%
HDI Versicherung (branch)0.3%0.3%0.3%0.4%0.4%
D.A.S. právní ochrana (branch)0.3%0.3%0.3%0.2%0.2%

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
    Hasičská vzájemná pojišťovna, a.s.
    Registered seat
    Prague, Czechia
    Website
    hvp.cz
    LEI
    315700XOVU7E5FR1TW90
    Employees
    133 (2024; 126 in 2021, 116 in 2022, 122 in 2023)
    Premium per employee
    €312k (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 Hasičská vzájemná pojišťovna

    Short answers from the figures on this page.

    What is Hasičská vzájemná pojišťovna's market share in Czechia?

    Hasičská vzájemná pojišťovna wrote €44.8m of premium in FY 2025, 0.5% of all premium in Czechia, ranking #17 of 22 insurers; its premium grew 6.2% on FY 2024 in CZK.

    Who owns Hasičská vzájemná pojišťovna?

    Polisa records no group for Hasičská vzájemná pojišťovna in FY 2025.

    What does Hasičská vzájemná pojišťovna sell?

    Hasičská vzájemná pojišťovna is a non-life insurer; its largest lines in FY 2025 are property (49.0% of its premium), motor TPL (20.3%) and liability (15.1%).

    Is Hasičská vzájemná pojišťovna well capitalised?

    Hasičská vzájemná pojišťovna's SCR ratio was 182% at 31 December 2025: it held 1.8 times the capital Solvency II requires, against a median of 183% for the insurers in Czechia.

    Is Hasičská vzájemná pojišťovna growing?

    Hasičská vzájemná pojišťovna's premium grew 6.2% in CZK in FY 2025, slower 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). Hasičská vzájemná 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-hasicska-vzajemna-pojistovna

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_cz_hasicska_vzajemna_pojistovna_2026,
  author       = {{Polisa}},
  title        = {Hasičská vzájemná pojišťovna (Czechia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/cz-hasicska-vzajemna-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).