Get the dataData

TUW PZUW

PZU groupPolandtuwpzuw.pl ↗#14 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 →
Share
LinkedIn
Premium
€367m
1.7% of Poland
Growth
+5.7%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
259%
SCR ratio · €166m held vs €64m required
Claims and costs
77%
combined ratio after reinsurance, 75% of the premium reinsured · gross 56% · market 92%
In shortNumber 14 of 45 in Poland with 1.7% of premium, growing faster than the market. Strongest in Other non-life, with 5.2% of the line. Its non-life business made money on underwriting, with a combined ratio of 77% after reinsurance against 92% for the market; before reinsurance it was 56%, with 75% of its non-life premium passed to reinsurers. It paid €130m in claims, €35 for every €100 of its premium. It holds 2.6 times the capital it must hold.

Latest resultsH1 2026, year to date: €133m of premium, +13.1% on H1 2025 (market +6.6%); share 1.2% (+0.1 pp), #15 of 46. More

Fingerprint

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

Line mix
Property55%
Other non-life22%
Liability16%
Accident5%
Casco1%
Size#14 of 45 by premium
€367m
larger than 70%median €120m
GrowthFY 2025 against 2024, in PLN
+5.7%
ahead of 45%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
77%
better than 92%median 94%
Capital coverSCR ratio: own funds ÷ SCR
259%
ahead of 83%median 210%
Return on equitynet profit ÷ average equity
12.8%
ahead of 41%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
Allianz2.7%3.2%2.9%2.9%2.7%
InterRisk2.1%2.2%2.2%2.1%2.1%
TUW PZUW1.2%1.5%1.5%1.7%1.7%
Link41.6%1.7%1.6%1.4%1.1%
TUW TUW0.9%1.0%0.9%0.9%0.8%

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 PZU group

    8 companies in 4 markets · €8.11bn premium, latest year

    All 8 on the PZU page →
    Polandthis market3 companies€7.03bn
    PZU€4.27bnPZU Życie€2.53bnLink4€236m
    Lithuania2 companies€434m
    Lietuvos draudimas€405mPZU Lietuva gyvybės draudimas€28m
    Latvia1 company€198m
    Balta€198m
    Estonia1 company€86m
    Lietuvos draudimas (branch)€86m

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ WZAJEMNYCH POLSKI ZAKŁAD UBEZPIECZEŃ WZAJEMNYCH
    Registered seat
    Warsaw, Poland
    Website
    tuwpzuw.pl
    LEI
    259400OXGGIASU8WOO21

    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 PZUW

    Short answers from the figures on this page.

    What is TUW PZUW's market share in Poland?

    TUW PZUW wrote €367m of premium in FY 2025, 1.7% of all premium in Poland, ranking #14 of 45 insurers; its premium grew 5.7% on FY 2024 in PLN.

    Who owns TUW PZUW?

    TUW PZUW is part of the PZU group, which has 8 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does TUW PZUW sell?

    TUW PZUW is a non-life insurer; its largest lines in FY 2025 are property (54.8% of its premium), other non-life (22.4%) and liability (16.1%).

    Is TUW PZUW well capitalised?

    TUW PZUW's SCR ratio was 259% at 31 December 2025: it held 2.6 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is TUW PZUW profitable?

    TUW PZUW made a net profit of €16.5m in FY 2025, a return on equity of 12.8%; its non-life combined ratio was 77% after reinsurance.

    Is TUW PZUW growing?

    TUW PZUW's premium grew 5.7% in PLN in FY 2025, in step with 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 PZUW (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-pzuw

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_tuw_pzuw_2026,
  author       = {{Polisa}},
  title        = {TUW PZUW (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-tuw-pzuw}},
  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).