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Warta

Talanx groupPolandwarta.pl ↗#2 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
€3.12bn
14.8% of Poland
Growth
+20.4%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
170%
SCR ratio · €1.56bn held vs €917m required
Claims and costs
91%
combined ratio after reinsurance · gross 88% · market 92%
In shortNumber 2 of 45 in Poland with 14.8% of premium, growing faster than the market. Strongest in Motor TPL, with 26.4% of the line. Its non-life business made money on underwriting, with a combined ratio of 91% after reinsurance against 92% for the market. It paid €1.58bn in claims, €50 for every €100 of its premium. It holds 1.7 times the capital it must hold.

Latest resultsH1 2026, year to date: €1.59bn of premium, +2.4% on H1 2025 (market +6.6%); share 14.4% (−0.6 pp), #2 of 46. More

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

Line mix
Motor TPL38%
Casco28%
Property16%
Other non-life9%
Liability6%
Accident2%
Health1%
Size#2 of 45 by premium
€3.12bn
larger than 98%median €120m
GrowthFY 2025 against 2024, in PLN
+20.4%
ahead of 91%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
91%
better than 75%median 94%
Capital coverSCR ratio: own funds ÷ SCR
170%
ahead of 17%median 210%
Return on equitynet profit ÷ average equity
24.5%
ahead of 76%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
PZU19.5%20.5%20.7%20.9%20.2%
Warta10.2%11.2%12.0%13.0%14.8%
ERGO Hestia10.8%10.7%11.0%11.3%10.9%
UNIQA4.7%4.7%4.8%5.3%5.6%
Compensa3.1%3.1%3.2%4.6%4.7%

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€451m
    Warta Życie€430mEuropa€57mEuropa Życie−€37m
    Czechia1 company€30m
    HDI Versicherung (branch)€30m

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ I REASEKURACJI WARTA SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    warta.pl
    LEI
    529900H4WZAK60DYKH87

    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 Warta

    Short answers from the figures on this page.

    What is Warta's market share in Poland?

    Warta wrote €3.12bn of premium in FY 2025, 14.8% of all premium in Poland, ranking #2 of 45 insurers; its premium grew 20.4% on FY 2024 in PLN.

    Who owns Warta?

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

    What does Warta sell?

    Warta is a non-life insurer; its largest lines in FY 2025 are motor TPL (38.0% of its premium), casco (27.7%) and property (16.3%).

    Is Warta well capitalised?

    Warta's SCR ratio was 170% at 31 December 2025: it held 1.7 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Warta profitable?

    Warta made a net profit of €294m in FY 2025, a return on equity of 24.5%; its non-life combined ratio was 91% after reinsurance.

    Is Warta growing?

    Warta's premium grew 20.4% 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). Warta (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-warta

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_warta_2026,
  author       = {{Polisa}},
  title        = {Warta (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-warta}},
  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).