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Gjensidige (branch)

Gjensidige groupEstoniagjensidige.ee ↗Gjensidige until FY 2025 · ERGO since January 2026#13 of 18 in Estonia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Statistics Estonia tables by insurer and line; solvency and claims ratios from each Estonian insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for EstoniaWhat changed

Compare with nearest rivals →Compare →
Share
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Premium
€11m
1.7% of Estonia
Growth
−8.9%
FY 2025 vs 2024, in EUR · market −0.6%
Life share
0%
of own premium
Capital cover
—
Branch: reported by the parent company
Claims and costs
—
Branch: reported by the parent company
In shortNumber 13 of 18 in Estonia with 1.7% of premium; its premium fell 8.9%, more than the market's 0.6%. It paid €7.2m in claims, €63 for every €100 of its premium.

In the news3 Nov 2026: ERGO completes legal merger with Gjensidige across the Baltics on 1 November All news for Estonia

Latest resultsH1 2026, year to date: €3.5m of premium, −34.1% on H1 2025 (market +2.1%); share 1.0% (−0.5 pp), #15 of 18. More

Latest event29 Jun 2026: Estonia's supervisor approved the cross-border merger of ADB Gjensidige into ERGO Insurance SE, which takes over its Estonian branch business. More

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Gjensidige (branch)'s line mix, and where it stands among the 18 insurers in Estonia on each measure, FY 2025.

Line mix
Property32%
Casco25%
Motor TPL23%
Other non-life15%
Liability4%
Size#13 of 18 by premium
€11m
larger than 29%median €27m
GrowthFY 2025 against 2024, in EUR
−8.9%
ahead of 18%median +1.4%
Claims and costs
— no non-life business
Capital cover
— a branch: no solvency ratio of its own
Return on equity
— no profit or equity figures

Each bar runs from the weakest to the strongest of the insurers in Estonia 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
Salva Kindlustus5.0%5.6%5.4%4.9%4.3%
Elama Kindlustus0.9%1.5%1.1%1.2%1.7%
Gjensidige (branch)2.0%1.4%1.6%1.8%1.7%
Balcia Insurance (branch)——0.0%0.6%1.4%
Telia Försäkring (branch)1.0%1.0%0.9%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

    Also in the Gjensidige group

    3 companies in 3 markets · €153m premium, latest year

    All 3 on the Gjensidige page →
    Lithuania1 company€92m
    Gjensidige€92m
    Latvia1 company€50m
    Gjensidige (branch)€50m

    Company details

    Website
    gjensidige.ee
    Employees
    32 (2025; 32 in 2022, 30 in 2023, 32 in 2024)
    Premium per employee
    €356k (FY 2025; median for non-life insurers in Estonia: €396k; all insurers)

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

    Questions about Gjensidige (branch)

    Short answers from the figures on this page.

    What is the market share of Gjensidige (branch) in Estonia?

    Gjensidige (branch) wrote €11.4m of premium in FY 2025, 1.7% of all premium in Estonia, ranking #13 of 18 insurers; its premium fell 8.9% on FY 2024.

    Who owns Gjensidige (branch)?

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

    What does Gjensidige (branch) sell?

    Gjensidige (branch) is a non-life insurer; its largest lines in FY 2025 are property (32.1% of its premium), casco (24.5%) and motor TPL (23.2%).

    Is Gjensidige (branch) growing?

    The premium of Gjensidige (branch) fell 8.9% in FY 2025, against a fall of 0.6% for the market in Estonia.

    Sources for this page

    Premium, lines and claims: Statistics Estonia, tables RRI07 (non-life) and RRI05 (life) by insurer, CC BY-SA 4.0. Earned premium, claims incurred and expenses (S.05.01) and solvency (S.23.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Estonian business with the per-country template. 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). Gjensidige (branch) (Estonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ee-gjensidige-branch

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ee_gjensidige_branch_2026,
  author       = {{Polisa}},
  title        = {Gjensidige (branch) (Estonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/ee-gjensidige-branch}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: Statistics Estonia (CC BY-SA 4.0), Tax and Customs Board (open data), RIK (no re-use terms published), insurers' SFCRs (public disclosures, linked).