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Dukagjini

Kosovo*dukagjiniks.com ↗#9 of 12 in Kosovo*, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Central Bank of Kosovo insurance statistics; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Kosovo*What changed

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Premium
€11m
6.4% of Kosovo*
Growth
−2.9%
FY 2025 vs 2024, in EUR · market +6.6%
Life share
0%
of own premium
Capital cover
136%
Solvency margin · €4.3m held vs €3.2m required
Claims and costs
103%
combined ratio after reinsurance · gross 83% · market 94%
In shortNumber 9 of 12 in Kosovo* with 6.4% of premium; its premium fell 2.9% while the market grew 6.6%. Strongest in Motor TPL, with 9.8% of the line. Its non-life business lost money on underwriting, with a combined ratio of 103% after reinsurance against 94% for the market; before reinsurance it was 83%, with 43% of its non-life premium passed to reinsurers. It paid €5.1m in claims, €44 for every €100 of its premium. It covers its required solvency margin 1.4 times.

Latest resultsJan–Sep 2026, year to date: €9.8m of premium, +14.2% on Jan–Sep 2025 (market +5.5%); share 6.9% (+0.5 pp), #9 of 12. More

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Dukagjini's line mix, and where it stands among the 12 insurers in Kosovo* on each measure, FY 2025.

Line mix
Motor TPL82%
Health10%
Casco6%
Property1%
Size#9 of 12 by premium
€11m
larger than 27%median €15m
GrowthFY 2025 against 2024, in EUR
−2.9%
ahead of 0%median +5.8%
Claims and costsnon-life combined ratio, after reinsurance
103%
better than 11%median 96%
Capital coverlocal solvency margin
136%
ahead of 0%median 159%
Return on equitynet profit ÷ average equity
1.5%
ahead of 0%median 11.9%

Each bar runs from the weakest to the strongest of the insurers in Kosovo* 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
Sigma VIG (branch)10.1%9.7%8.5%9.1%8.5%
Prisig9.2%8.7%8.6%8.4%8.4%
Siguria7.1%7.0%7.5%8.6%8.3%
Dukagjini7.6%7.0%6.6%7.0%6.4%
Sigkos4.1%4.8%4.7%3.1%2.9%

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

    Company details

    Website
    dukagjiniks.com
    Employees
    258 (2025; 181 in 2022, 201 in 2023, 236 in 2024)
    Premium per employee
    €44k (FY 2025; median for non-life insurers in Kosovo*: €95k; all insurers)

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Dukagjini

    Short answers from the figures on this page.

    What is Dukagjini's market share in Kosovo*?

    Dukagjini wrote €11.5m of premium in FY 2025, 6.4% of all premium in Kosovo*, ranking #9 of 12 insurers; its premium fell 2.9% on FY 2024.

    Who owns Dukagjini?

    Polisa records no group for Dukagjini in FY 2025.

    What does Dukagjini sell?

    Dukagjini is a non-life insurer; its largest lines in FY 2025 are motor TPL (82.0% of its premium), health (9.6%) and casco (6.3%).

    Is Dukagjini well capitalised?

    Dukagjini's solvency margin was 136% at 31 December 2025: it covered its required solvency margin 1.4 times, against a median of 158% for the insurers in Kosovo* (local rules, not Solvency II).

    Is Dukagjini profitable?

    Dukagjini made a net profit of €0.069m in FY 2025, a return on equity of 1.5%; its non-life combined ratio was 103% after reinsurance.

    Is Dukagjini growing?

    Dukagjini's premium fell 2.9% in FY 2025 while the market in Kosovo* grew 6.6%.

    Sources for this page

    Premium, lines and claims: Central Bank of Kosovo, insurance statistics. Solvency margin: CBK and the insurer's annual report. 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). Dukagjini (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-dukagjini

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_xk_dukagjini_2026,
  author       = {{Polisa}},
  title        = {Dukagjini (Kosovo*): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/xk-dukagjini}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: CBK (no re-use terms published), Kosovo Agency of Statistics (no re-use terms published).