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TUW Cuprum

Polandtuw-cuprum.pl ↗#39 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
€23m
0.1% of Poland
Growth
+8.5%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
248%
SCR ratio · €30m held vs €12m required
Claims and costs
27%
combined ratio after reinsurance · gross 26% · market 92%
In shortNumber 39 of 45 in Poland with 0.1% of premium, growing faster than the market. Its non-life business made money on underwriting, with a combined ratio of 27% after reinsurance against 92% for the market. It paid €7.8m in claims, €34 for every €100 of its premium. It holds 2.5 times the capital it must hold.

Latest resultsH1 2026, year to date: €22m of premium, +3.6% on H1 2025 (market +6.6%); share 0.2% (±0.0 pp), #35 of 46. More

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

Line mix
Property84%
Liability8%
Other non-life6%
Accident1%
Size#39 of 45 by premium
€23m
larger than 14%median €120m
GrowthFY 2025 against 2024, in PLN
+8.5%
ahead of 59%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
27%
better than 100%median 94%
Capital coverSCR ratio: own funds ÷ SCR
248%
ahead of 76%median 210%
Return on equitynet profit ÷ average equity
5.2%
ahead of 17%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
Signal Iduna0.1%0.1%0.2%0.1%0.2%
Erste Allianz0.2%0.2%0.2%0.2%0.2%
Credit Agricole Ubezpieczenia0.1%0.1%0.1%0.1%0.1%
TUW Cuprum0.1%0.1%0.1%0.1%0.1%
Partner0.0%0.0%0.0%0.0%0.0%

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

    Legal name
    Towarzystwo Ubezpieczeń Wzajemnych "CUPRUM"
    Registered seat
    Lubin, Poland
    Website
    tuw-cuprum.pl
    LEI
    259400VVKIW59B74SL60

    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 TUW Cuprum

    Short answers from the figures on this page.

    What is TUW Cuprum's market share in Poland?

    TUW Cuprum wrote €23.1m of premium in FY 2025, 0.1% of all premium in Poland, ranking #39 of 45 insurers; its premium grew 8.5% on FY 2024 in PLN.

    Who owns TUW Cuprum?

    Polisa records no group for TUW Cuprum in FY 2025.

    What does TUW Cuprum sell?

    TUW Cuprum is a non-life insurer; its largest lines in FY 2025 are property (84.3% of its premium), liability (8.2%) and other non-life (6.4%).

    Is TUW Cuprum well capitalised?

    TUW Cuprum's SCR ratio was 248% at 31 December 2025: it held 2.5 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is TUW Cuprum profitable?

    TUW Cuprum made a net profit of €1.41m in FY 2025, a return on equity of 5.2%; its non-life combined ratio was 27% after reinsurance.

    Is TUW Cuprum growing?

    TUW Cuprum's premium grew 8.5% 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.

    APA

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

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_tuw_cuprum_2026,
  author       = {{Polisa}},
  title        = {TUW Cuprum (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-tuw-cuprum}},
  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).