Garanție
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Fingerprint
Garanție's line mix, and where it stands among the 10 insurers in Moldova on each measure, FY 2022.
No line split published: life against non-life.
Each bar runs from the weakest to the strongest of the insurers in Moldova with that figure in FY 2022; 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 |
|---|---|---|---|---|---|
| Intact Asigurări Generale | 6.8% | 9.7% | 10.3% | 9.0% | 10.2% |
| Acord Grup | 6.6% | 7.5% | 8.1% | 6.4% | 8.1% |
| Moldcargo | 5.9% | 3.8% | 3.3% | 6.4% | 7.5% |
| Transelit | 6.8% | 5.8% | 4.6% | 4.4% | 4.2% |
| Garanție | 0.8% | 0.8% | — | — | — |
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
Garanție beside the other insurers of Moldova: operating ratio, sources of profit and leverage →
Ownership and events
Questions about Garanție
Short answers from the figures on this page.
What is Garanție's market share in Moldova?
Garanție wrote €1.03m of premium in FY 2022, 0.8% of all premium in Moldova, ranking #10 of 10 insurers; its premium grew 34.9% on FY 2021 in MDL.
Who owns Garanție?
Polisa records no group for Garanție in FY 2022.
What does Garanție sell?
Garanție is a non-life insurer; it writes no life insurance (FY 2022).
Is Garanție growing?
Garanție's premium grew 34.9% in MDL in FY 2022, faster than the market in Moldova (+28.3%).
Sources for this page
Premium, claims paid, solvency margin and profit: National Bank of Moldova, insurer statistics (Indicatori de bază), and the CNPF archive for 2021–2022. Market lines: report on insurers' core business. 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). Garanție (Moldova): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/md-garantie
BibTeXShow entry
@misc{polisa_insurers_md_garantie_2026,
author = {{Polisa}},
title = {Garanție (Moldova): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/md-garantie}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: BNM (free with credit, processing stated), Capital market disclosures (no re-use terms published), National Bureau of Statistics of Moldova (CC BY 4.0), World Bank (CC BY 4.0).