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If P&C Insurance AS (branch)

Sampo groupLithuaniaif.lt ↗#7 of 18 in Lithuania, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Bank of Lithuania monthly statistics by insurer and line; solvency and claims ratios from each Lithuanian insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for LithuaniaWhat changed

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Premium
€87m
5.1% of Lithuania
Growth
+2.2%
FY 2025 vs 2024, in EUR · market +9.2%
Life share
0%
of own premium
Capital cover
—
Branch: reported by the parent company
Claims and costs
≈92%
combined ratio after reinsurance, estimated · gross 92% · market 90%
In shortNumber 7 of 18 in Lithuania with 5.1% of premium, growing slower than the market. Strongest in Casco, with 11.1% of the line. Its non-life business made money on underwriting, with a combined ratio of about 92% after reinsurance against 90% for the market. It paid €55m in claims, €63 for every €100 of its premium.

In the news12 Dec 2025: Competition Council clears ERGO's Gjensidige deal if carrier liability book goes to If All news for Lithuania

Latest resultsH1 2026, year to date: €44m of premium, −4.4% on H1 2025 (market +3.7%); share 4.9% (−0.4 pp), #7 of 19. More

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If P&C Insurance AS (branch)'s line mix, and where it stands among the 18 insurers in Lithuania on each measure, FY 2025.

Line mix
Casco39%
Motor TPL31%
Property20%
Liability5%
Health2%
Other non-life1%
Accident1%
Size#7 of 18 by premium
€87m
larger than 65%median €74m
GrowthFY 2025 against 2024, in EUR
+2.2%
ahead of 24%median +7.5%
Claims and costsnon-life combined ratio, after reinsurance, estimated
≈92%
better than 50%median ≈92%
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 Lithuania 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
Compensa VIG7.0%7.4%8.1%8.2%8.8%
Gjensidige6.9%6.3%6.4%6.2%5.3%
If P&C Insurance AS (branch)5.4%5.6%5.9%5.4%5.1%
Swedbank P&C (branch)3.0%3.1%3.4%3.9%4.1%
Balcia Insurance (branch)1.4%1.9%2.2%2.7%3.4%

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 Sampo group

    3 companies in 3 markets · €248m premium, latest year

    All 3 on the Sampo page →
    Estonia1 company€103m
    If P&C Insurance€103m
    Latvia1 company€57m
    If P&C Insurance AS (branch)€57m

    Company details

    Branch of
    IF P&C INSURANCE AS
    Head office
    Tallinn, Estonia
    Website
    if.lt
    LEI of the head office
    549300WQ8BOTIZIGNO29

    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 If P&C Insurance AS (branch)

    Short answers from the figures on this page.

    What is the market share of If P&C Insurance AS (branch) in Lithuania?

    If P&C Insurance AS (branch) wrote €87.4m of premium in FY 2025, 5.1% of all premium in Lithuania, ranking #7 of 18 insurers; its premium grew 2.2% on FY 2024.

    Who owns If P&C Insurance AS (branch)?

    If P&C Insurance AS (branch) 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 AS (branch) sell?

    If P&C Insurance AS (branch) is a non-life insurer; its largest lines in FY 2025 are casco (38.8% of its premium), motor TPL (31.2%) and property (20.0%).

    Is If P&C Insurance AS (branch) growing?

    The premium of If P&C Insurance AS (branch) grew 2.2% in FY 2025, slower than the market in Lithuania (+9.2%).

    Sources for this page

    Premium, lines, claims paid, contracts and claim counts: Bank of Lithuania, Insurance Activity Results in Lithuania (monthly statistics by insurer). 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 Lithuanian 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). If P&C Insurance AS (branch) (Lithuania): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/lt-if-p-c-insurance-as-branch

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_lt_if_p_c_insurance_as_branch_2026,
  author       = {{Polisa}},
  title        = {If P&C Insurance AS (branch) (Lithuania): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/lt-if-p-c-insurance-as-branch}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: Bank of Lithuania (free with credit), insurers' SFCRs (public disclosures, linked).