If P&C Insurance
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
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →In the news2 Jun 2026: Property insurance prices edge up with rebuilding costs, insurers say All news for Estonia
Latest resultsH1 2026, year to date: €52m of premium, −2.1% on H1 2025 (market +2.1%); share 14.8% (−0.6 pp), #2 of 18. More
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If P&C Insurance's line mix, and where it stands among the 18 insurers in Estonia on each measure, FY 2025.
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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Swedbank P&C Insurance | 14.3% | 15.3% | 16.4% | 16.8% | 16.6% |
| If P&C Insurance | 16.1% | 16.2% | 15.5% | 15.4% | 15.2% |
| Lietuvos draudimas (branch) | 12.0% | 12.9% | 13.3% | 13.6% | 12.6% |
| ERGO Insurance | 13.9% | 13.3% | 13.6% | 13.0% | 11.6% |
| Compensa VIG (branch) | 9.2% | 9.1% | 9.3% | 9.3% | 9.5% |
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
Also in the Sampo group
3 companies in 3 markets · €248m premium, latest year
Ownership and events
Company details
- Legal name
- IF P&C INSURANCE AS
- Registered seat
- Tallinn, Estonia
- Website
- if.ee
- Employees
- 206 (2025; 202 in 2022, 203 in 2023, 206 in 2024)
- Premium per employee
- €502k (FY 2025; median for non-life insurers in Estonia: €396k; 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 in Estonia on the last day of each quarter, averaged over the year, from the Tax and Customs Board's open data (from 2022).
Questions about If P&C Insurance
Short answers from the figures on this page.
What is If P&C Insurance's market share in Estonia?
If P&C Insurance wrote €103m of premium in FY 2025, 15.2% of all premium in Estonia, ranking #2 of 18 insurers; its premium fell 1.8% on FY 2024.
Who owns If P&C Insurance?
If P&C Insurance is part of the Sampo group, which has 3 companies in 3 of the 18 markets on Polisa (FY 2025).
What does If P&C Insurance sell?
If P&C Insurance is a non-life insurer; its largest lines in FY 2025 are property (38.7% of its premium), casco (33.2%) and motor TPL (15.1%).
Is If P&C Insurance well capitalised?
If P&C Insurance's SCR ratio was 162% at 31 December 2025: it held 1.6 times the capital Solvency II requires, against a median of 177% for the insurers in Estonia.
Is If P&C Insurance profitable?
If P&C Insurance made a net profit of €41.9m in FY 2025, a return on equity of 25.9%; its non-life combined ratio was 74% after reinsurance.
Is If P&C Insurance growing?
If P&C Insurance's premium fell 1.8% 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.
Polisa. (2026). If P&C Insurance (Estonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ee-if-p-c-insurance
BibTeXShow entry
@misc{polisa_insurers_ee_if_p_c_insurance_2026,
author = {{Polisa}},
title = {If P&C Insurance (Estonia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/ee-if-p-c-insurance}},
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).