GRAWE zavarovalnica
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Fingerprint
GRAWE zavarovalnica's line mix, and where it stands among the 15 insurers in Slovenia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Slovenia 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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Zavarovalnica Sava | 17.7% | 17.6% | 18.7% | 24.3% | 19.4% |
| Generali zavarovalnica | 18.3% | 18.2% | 17.9% | 16.6% | 13.3% |
| GRAWE zavarovalnica | 1.9% | 1.9% | 2.0% | 3.4% | 3.1% |
| Merkur zavarovalnica | 2.2% | 2.2% | 2.1% | 2.5% | 2.0% |
| Wiener Städtische (branch) | 1.5% | 1.5% | 1.4% | 2.0% | 1.6% |
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
Claims and costs over time
Savings and protection in life
Life premium by kind
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Also in the GRAWE group
14 companies in 10 markets · €686m premium, latest year
Also in Hungary · €30mBulgaria · €23mMontenegro · €19m
Ownership and events
Company details
- Legal name
- GRAWE zavarovalnica d.d.
- Registered seat
- Maribor, Slovenia
- Website
- grawe.si
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 GRAWE zavarovalnica
Short answers from the figures on this page.
What is GRAWE zavarovalnica's market share in Slovenia?
GRAWE zavarovalnica wrote €105m of premium in FY 2025, 3.1% of all premium in Slovenia, ranking #6 of 15 insurers; its premium grew 20.0% on FY 2024.
Who owns GRAWE zavarovalnica?
GRAWE zavarovalnica is part of the GRAWE group, which has 14 companies in 10 of the 18 markets on Polisa (FY 2025).
What does GRAWE zavarovalnica sell?
GRAWE zavarovalnica is a composite insurer; its largest lines in FY 2025 are casco (33.9% of its premium), motor TPL (23.4%) and life insurance (15.3%).
Is GRAWE zavarovalnica well capitalised?
GRAWE zavarovalnica's SCR ratio was 188% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 261% for the insurers in Slovenia.
Is GRAWE zavarovalnica profitable?
GRAWE zavarovalnica made a net profit of €5.3m in FY 2025, a return on equity of 15.2%; its non-life combined ratio was 98% after reinsurance.
Is GRAWE zavarovalnica growing?
GRAWE zavarovalnica's premium grew 20.0% in FY 2025, slower than the market in Slovenia (+32.7%).
Sources for this page
Premium: Slovenian Insurance Association (SZZ), premium of member insurers by quarter. 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.
Polisa. (2026). GRAWE zavarovalnica (Slovenia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/si-grawe-zavarovalnica
BibTeXShow entry
@misc{polisa_insurers_si_grawe_zavarovalnica_2026,
author = {{Polisa}},
title = {GRAWE zavarovalnica (Slovenia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/si-grawe-zavarovalnica}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: SZZ (written consent only), AZN (public information, no licence stated), insurers' SFCRs (public disclosures, linked).