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Moldcargo

Moldovamoldcargo.md ↗#8 of 9 in Moldova, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
National Bank of Moldova insurer statistics; solvency margin, not Solvency II
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for MoldovaWhat changed

Compare with nearest rivals →Compare →
Share
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Premium
€13m
7.5% of Moldova
Growth
+21.4%
FY 2025 vs 2024, in MDL · market +3.1%
Life share
0%
of own premium
Capital cover
123%
Solvency margin · €3.3m held vs €2.7m required
Claims and costs
265%keeps 17%
combined ratio after reinsurance, 83% of the premium reinsured · gross 84% · market 107%
In shortNumber 8 of 9 in Moldova with 7.5% of premium, growing faster than the market. Strongest in Accident, with 67.0% of the line. Its non-life business lost money on underwriting, with a combined ratio of 265% after reinsurance against 107% for the market; it keeps only 17% of its non-life premium after reinsurance, so that ratio rests on a small base (gross 84%). It paid €4.6m in claims, €35 for every €100 of its premium. It covers its required solvency margin 1.2 times.

Latest resultsH1 2026, year to date: €5.1m of premium, −14.8% on H1 2025 (market +11.6%); share 5.8% (−1.8 pp), #8 of 9. More

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Moldcargo's line mix, and where it stands among the 9 insurers in Moldova on each measure, FY 2025.

Line mix
Motor TPL59%
Casco22%
Accident8%
Other non-life5%
Liability3%
Health2%
Property1%
Size#8 of 9 by premium
€13m
larger than 13%median €21m
GrowthFY 2025 against 2024, in MDL
+21.4%
ahead of 75%median +2.3%
Claims and costsnon-life combined ratio, after reinsurance
265%
better than 0%median 109%
Capital coverlocal solvency margin
123%
ahead of 0%median 153%
Return on equitynet profit ÷ average equity
−5.5%
ahead of 0%median 1.2%

Each bar runs from the weakest to the strongest of the insurers in Moldova 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
General Asigurări14.6%13.6%14.2%14.1%12.2%
Intact Asigurări Generale6.8%9.7%10.3%9.0%10.2%
Acord Grup6.6%7.5%8.1%6.4%8.1%
Moldcargo5.9%3.8%3.3%6.4%7.5%
Transelit6.8%5.8%4.6%4.4%4.2%

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

    Website
    moldcargo.md

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

    Questions about Moldcargo

    Short answers from the figures on this page.

    What is Moldcargo's market share in Moldova?

    Moldcargo wrote €12.9m of premium in FY 2025, 7.5% of all premium in Moldova, ranking #8 of 9 insurers; its premium grew 21.4% on FY 2024 in MDL.

    Who owns Moldcargo?

    Polisa records no group for Moldcargo in FY 2025.

    What does Moldcargo sell?

    Moldcargo is a non-life insurer; its largest lines in FY 2025 are motor TPL (58.8% of its premium), casco (21.6%) and accident (8.4%).

    Is Moldcargo well capitalised?

    Moldcargo's solvency margin was 123% at 31 December 2025: it covered its required solvency margin 1.2 times, against a median of 153% for the insurers in Moldova (local rules, not Solvency II).

    Is Moldcargo profitable?

    Moldcargo made a net loss of €0.298m in FY 2025, a return on equity of −5.5%; its non-life combined ratio was 265% after reinsurance.

    Is Moldcargo growing?

    Moldcargo's premium grew 21.4% in MDL in FY 2025, faster than the market in Moldova (+3.1%).

    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.

    APA

    Polisa. (2026). Moldcargo (Moldova): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/md-moldcargo

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_md_moldcargo_2026,
  author       = {{Polisa}},
  title        = {Moldcargo (Moldova): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/md-moldcargo}},
  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).