Zavarovalnica Sava
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →In the news27 Aug 2026: Sava Insurance Group's business volume up 10.3% to €672.5m in H1 2026 All news for Slovenia
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Zavarovalnica Sava'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 Triglav | 28.8% | 29.7% | 30.6% | 38.1% | 50.1% |
| 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% |
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
Ownership and events
Company details
- Legal name
- ZAVAROVALNICA SAVA, zavarovalna družba, d.d.
- Registered seat
- Maribor, Slovenia
- Website
- zav-sava.si
- Employees
- 1,286 (2025; 1,277 in 2022, 1,246 in 2023, 1,233 in 2024)
- Premium per employee
- €509k (FY 2025; median for composite insurers in Slovenia: €442k; all insurers)
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. Employees: employees at the end of the year, from insurers' annual reports and SFCRs; Triglav's 2025 premium includes about €0.7bn of Italian motor business written under freedom of services, so its premium per employee is not comparable.
Questions about Zavarovalnica Sava
Short answers from the figures on this page.
What is Zavarovalnica Sava's market share in Slovenia?
Zavarovalnica Sava wrote €655m of premium in FY 2025, 19.4% of all premium in Slovenia, ranking #2 of 15 insurers; its premium grew 5.7% on FY 2024.
Who owns Zavarovalnica Sava?
Zavarovalnica Sava is part of the Sava group, which has 8 companies in 5 of the 18 markets on Polisa (FY 2025).
What does Zavarovalnica Sava sell?
Zavarovalnica Sava is a composite insurer; its largest lines in FY 2025 are casco (32.7% of its premium), motor TPL (22.9%) and property (17.3%).
Is Zavarovalnica Sava well capitalised?
Zavarovalnica Sava's SCR ratio was 192% 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 Zavarovalnica Sava profitable?
Zavarovalnica Sava made a net profit of €68.9m in FY 2025, a return on equity of 22.7%; its non-life combined ratio was 84% after reinsurance.
Is Zavarovalnica Sava growing?
Zavarovalnica Sava's premium grew 5.7% in FY 2025, slower than the market in Slovenia (+32.7%). Of its FY 2025 premium, €32.1m was written outside Slovenia; without it, premium grew about 5%.
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). Zavarovalnica Sava (Slovenia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/si-zavarovalnica-sava
BibTeXShow entry
@misc{polisa_insurers_si_zavarovalnica_sava_2026,
author = {{Polisa}},
title = {Zavarovalnica Sava (Slovenia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/si-zavarovalnica-sava}},
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).