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Europa

Talanx groupPolandtueuropa.pl ↗#29 of 45 in Poland, FY 2025
Updated 11 Nov 2026
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

Sources for PolandWhat changed

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Premium
€57m
0.3% of Poland
Growth
−24.7%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
304%
SCR ratio · €111m held vs €36m required
Claims and costs
100%
combined ratio after reinsurance · gross 89% · market 92%
In shortNumber 29 of 45 in Poland with 0.3% of premium; its premium fell 24.7% while the market grew 5.7%. Its non-life business broke even on underwriting, with a combined ratio of 100% after reinsurance against 92% for the market. It paid €26m in claims, €45 for every €100 of its premium. It holds 3.0 times the capital it must hold.

Latest resultsH1 2026, year to date: €37m of premium, +105.2% on H1 2025 (market +6.6%); share 0.3% (+0.2 pp), #28 of 46. More

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Europa's line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.

Line mix
Health43%
Other non-life26%
Property19%
Credit & surety11%
Liability1%
Size#29 of 45 by premium
€57m
larger than 36%median €120m
GrowthFY 2025 against 2024, in PLN
−24.7%
ahead of 5%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
100%
better than 21%median 94%
Capital coverSCR ratio: own funds ÷ SCR
304%
ahead of 90%median 210%
Return on equitynet profit ÷ average equity
9.9%
ahead of 32%median 15.5%

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.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Allianz Trade (Euler Hermes)0.6%0.6%0.6%0.5%0.5%
Inter Polska0.2%0.3%0.3%0.3%0.3%
Europa0.4%0.4%0.4%0.4%0.3%
TU Zdrowie0.1%0.2%0.2%0.2%0.3%
Nationale-Nederlanden Ubezpieczenia0.1%0.1%0.2%0.2%0.2%

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

    Also in the Talanx group

    5 companies in 2 markets · €3.60bn premium, latest year

    All 5 on the Talanx page →
    Polandthis market3 companies€3.52bn
    Warta€3.12bnWarta Życie€430mEuropa Życie−€37m
    Czechia1 company€30m
    HDI Versicherung (branch)€30m

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ EUROPA SPÓŁKA AKCYJNA
    Registered seat
    Wrocław, Poland
    Website
    tueuropa.pl
    LEI
    259400KLVP0JONUXXV45

    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 Europa

    Short answers from the figures on this page.

    What is Europa's market share in Poland?

    Europa wrote €57m of premium in FY 2025, 0.3% of all premium in Poland, ranking #29 of 45 insurers; its premium fell 24.7% on FY 2024 in PLN.

    Who owns Europa?

    Europa is part of the Talanx group, which has 5 companies in 2 of the 18 markets on Polisa (FY 2025).

    What does Europa sell?

    Europa is a non-life insurer; its largest lines in FY 2025 are health (47.9% of its premium), other non-life (28.9%) and property (21.1%).

    Is Europa well capitalised?

    Europa's SCR ratio was 304% at 31 December 2025: it held 3.0 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Europa profitable?

    Europa made a net profit of €23.2m in FY 2025, a return on equity of 9.9%; its non-life combined ratio was 100% after reinsurance.

    Is Europa growing?

    Europa's premium fell 24.7% in PLN in FY 2025 while the market in Poland grew 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.

    APA

    Polisa. (2026). Europa (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-europa

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_europa_2026,
  author       = {{Polisa}},
  title        = {Europa (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-europa}},
  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).