Compensa
Sources and updates
- Source
- KNF annual bulletin; lines, solvency and claims from each 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 news23 Oct 2026: KNF cuts Compensa's fine for underpriced motor TPL to PLN 5m All news for Poland
Latest resultsH1 2026, year to date: €539m of premium, +9.8% on H1 2025 (market +6.6%); share 4.9% (+0.1 pp), #6 of 46. More
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Compensa's line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Poland 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 |
|---|---|---|---|---|---|
| ERGO Hestia | 10.8% | 10.7% | 11.0% | 11.3% | 10.9% |
| UNIQA | 4.7% | 4.7% | 4.8% | 5.3% | 5.6% |
| Compensa | 3.1% | 3.1% | 3.2% | 4.6% | 4.7% |
| Generali | 3.7% | 3.7% | 3.2% | 3.3% | 3.3% |
| Allianz | 2.7% | 3.2% | 2.9% | 2.9% | 2.7% |
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
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
Compensa beside the other insurers of Poland: operating ratio, sources of profit and leverage →
Also in the VIG group
36 companies in 18 markets · €9.28bn premium, latest year
Also in Bulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mBosnia and Herzegovina · €52mNorth Macedonia · €47mMoldova · €21mKosovo* · €15mMontenegro · €14m
Ownership and events
Company details
- Legal name
- "COMPENSA TOWARZYSTWO UBEZPIECZEŃ SPÓŁKA AKCYJNA VIENNA INSURANCE GROUP"
- Registered seat
- Warsaw, Poland
- Website
- compensa.pl
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 Compensa
Short answers from the figures on this page.
What is Compensa's market share in Poland?
Compensa wrote €985m of premium in FY 2025, 4.7% of all premium in Poland, ranking #6 of 45 insurers; its premium grew 7.6% on FY 2024 in PLN.
Who owns Compensa?
Compensa is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).
What does Compensa sell?
Compensa is a non-life insurer; its largest lines in FY 2025 are property (28.9% of its premium), motor TPL (28.3%) and casco (18.2%).
Is Compensa well capitalised?
Compensa's SCR ratio was 166% at 31 December 2025: it held 1.7 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.
Is Compensa profitable?
Compensa made a net profit of €48.7m in FY 2025, a return on equity of 23.9%; its non-life combined ratio was 92% after reinsurance.
Is Compensa growing?
Compensa's premium grew 7.6% in PLN in FY 2025, faster than the market in Poland (+5.7%).
Sources for this page
Premium: KNF (Polish Financial Supervision Authority), annual bulletin Rynek ubezpieczeń, tables II.3 and II.15; motor lines from table II.18. Other lines, claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. 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). Compensa (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-compensa
BibTeXShow entry
@misc{polisa_insurers_pl_compensa_2026,
author = {{Polisa}},
title = {Compensa (Poland): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/pl-compensa}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: KNF (open data, credit KNF), insurers' SFCRs (public disclosures, linked).