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PKO Ubezpieczenia

PKO groupPolandpkoubezpieczenia.pl ↗#21 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

Compare with nearest rivals →Compare →
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Premium
€149m
0.7% of Poland
Growth
−10.7%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
211%
SCR ratio · €134m held vs €64m required
Claims and costs
93%
combined ratio after reinsurance · gross 82% · market 92%
In shortNumber 21 of 45 in Poland with 0.7% of premium; its premium fell 10.7% while the market grew 5.7%. Its non-life business made money on underwriting, with a combined ratio of 93% after reinsurance against 92% for the market. It paid €96m in claims, €64 for every €100 of its premium. It holds 2.1 times the capital it must hold.

In the news2 Jul 2026: KNF opens penalty case against PKO TU over motor TPL pricing All news for Poland

Latest resultsH1 2026, year to date: €98m of premium, +39.1% on H1 2025 (market +6.6%); share 0.9% (+0.2 pp), #18 of 46. More

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

Line mix
Property38%
Motor TPL25%
Other non-life16%
Casco15%
Liability5%
Size#21 of 45 by premium
€149m
larger than 55%median €120m
GrowthFY 2025 against 2024, in PLN
−10.7%
ahead of 14%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
93%
better than 67%median 94%
Capital coverSCR ratio: own funds ÷ SCR
211%
ahead of 52%median 210%
Return on equitynet profit ÷ average equity
15.0%
ahead of 49%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
Link41.6%1.7%1.6%1.4%1.1%
TUW TUW0.9%1.0%0.9%0.9%0.8%
PKO Ubezpieczenia1.2%0.8%0.9%0.8%0.7%
Agro Ubezpieczenia0.5%0.7%0.7%0.7%0.7%
TUZ Ubezpieczenia0.6%0.5%0.6%0.5%0.6%

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 PKO group

    2 companies in 1 market · €191m premium, latest year

    All 2 on the PKO page →
    Polandthis market1 company€42m
    PKO Życie€42m

    Company details

    Legal name
    PKO TOWARZYSTWO UBEZPIECZEŃ SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    pkoubezpieczenia.pl
    LEI
    259400L7A6OTQVPR5142

    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 PKO Ubezpieczenia

    Short answers from the figures on this page.

    What is PKO Ubezpieczenia's market share in Poland?

    PKO Ubezpieczenia wrote €149m of premium in FY 2025, 0.7% of all premium in Poland, ranking #21 of 45 insurers; its premium fell 10.7% on FY 2024 in PLN.

    Who owns PKO Ubezpieczenia?

    PKO Ubezpieczenia is part of the PKO group, which has 2 companies in one market, Poland (FY 2025).

    What does PKO Ubezpieczenia sell?

    PKO Ubezpieczenia is a non-life insurer; its largest lines in FY 2025 are property (42.6% of its premium), motor TPL (27.9%) and other non-life (18.1%).

    Is PKO Ubezpieczenia well capitalised?

    PKO Ubezpieczenia's SCR ratio was 211% at 31 December 2025: it held 2.1 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is PKO Ubezpieczenia profitable?

    PKO Ubezpieczenia made a net profit of €19.8m in FY 2025, a return on equity of 15.0%; its non-life combined ratio was 93% after reinsurance.

    Is PKO Ubezpieczenia growing?

    PKO Ubezpieczenia's premium fell 10.7% 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.

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

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_pko_ubezpieczenia_2026,
  author       = {{Polisa}},
  title        = {PKO Ubezpieczenia (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-pko-ubezpieczenia}},
  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).