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TUZ Ubezpieczenia

TUZ groupPolandtuz.pl ↗#24 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
€119m
0.6% of Poland
Growth
+9.6%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
162%
SCR ratio · €44m held vs €27m required
Claims and costs
100%
combined ratio after reinsurance · gross 81% · market 92%
In shortNumber 24 of 45 in Poland with 0.6% of premium, growing faster than the market. Its non-life business broke even on underwriting, with a combined ratio of 100% after reinsurance against 92% for the market; before reinsurance it was 81%, with 21% of its non-life premium passed to reinsurers. It paid €72m in claims, €61 for every €100 of its premium. It holds 1.6 times the capital it must hold.

Latest resultsH1 2026, year to date: €65m of premium, +25.6% on H1 2025 (market +6.6%); share 0.6% (+0.1 pp), #24 of 46. More

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

Line mix
Property38%
Motor TPL27%
Casco15%
Liability11%
Other non-life5%
Accident2%
Health1%
Size#24 of 45 by premium
€119m
larger than 48%median €120m
GrowthFY 2025 against 2024, in PLN
+9.6%
ahead of 64%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
100%
better than 25%median 94%
Capital coverSCR ratio: own funds ÷ SCR
162%
ahead of 10%median 210%
Return on equitynet profit ÷ average equity
11.7%
ahead of 39%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
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%
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%

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 TUZ group

    1 company in 1 market · €119m premium, latest year

    No other company of this group in the markets covered.

    Company details

    Legal name
    TUZ UBEZPIECZENIA TOWARZYSTWO UBEZPIECZEŃ I REASEKURACJI SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    tuz.pl
    LEI
    259400DTQXBX78Q0IW12

    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 TUZ Ubezpieczenia

    Short answers from the figures on this page.

    What is TUZ Ubezpieczenia's market share in Poland?

    TUZ Ubezpieczenia wrote €119m of premium in FY 2025, 0.6% of all premium in Poland, ranking #24 of 45 insurers; its premium grew 9.6% on FY 2024 in PLN.

    Who owns TUZ Ubezpieczenia?

    TUZ Ubezpieczenia is part of the TUZ group, its only company in the 18 markets on Polisa (FY 2025).

    What does TUZ Ubezpieczenia sell?

    TUZ Ubezpieczenia is a non-life insurer; its largest lines in FY 2025 are property (37.7% of its premium), motor TPL (26.9%) and casco (15.2%).

    Is TUZ Ubezpieczenia well capitalised?

    TUZ Ubezpieczenia's SCR ratio was 162% at 31 December 2025: it held 1.6 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is TUZ Ubezpieczenia profitable?

    TUZ Ubezpieczenia made a net profit of €4.18m in FY 2025, a return on equity of 11.7%; its non-life combined ratio was 100% after reinsurance.

    Is TUZ Ubezpieczenia growing?

    TUZ Ubezpieczenia's premium grew 9.6% 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.

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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). TUZ 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-tuz-ubezpieczenia

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_tuz_ubezpieczenia_2026,
  author       = {{Polisa}},
  title        = {TUZ Ubezpieczenia (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-tuz-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).