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Sigal

SIGAL groupKosovo*sigal-ks.com ↗#1 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
€24m
13.3% of Kosovo*
Growth
+7.4%
FY 2025 vs 2024, in EUR · market +6.6%
Life share
0%
of own premium
Capital cover
159%
Solvency margin · €9.2m held vs €5.8m required
Claims and costs
87%
combined ratio after reinsurance · gross 66% · market 94%
In shortNumber 1 of 12 in Kosovo* with 13.3% of premium, growing faster than the market. Strongest in Property, with 37.8% of the line. Its non-life business made money on underwriting, with a combined ratio of 87% after reinsurance against 94% for the market; before reinsurance it was 66%, with 12% of its non-life premium passed to reinsurers. It paid €12m in claims, €52 for every €100 of its premium. It covers its required solvency margin 1.6 times.

Latest resultsJan–Sep 2026, year to date: €19m of premium, +0.3% on Jan–Sep 2025 (market +5.5%); share 13.1% (−0.7 pp), #1 of 12. More

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

Line mix
Motor TPL45%
Health21%
Property16%
Casco11%
Other non-life6%
Size#1 of 12 by premium
€24m
larger than 100%median €15m
GrowthFY 2025 against 2024, in EUR
+7.4%
ahead of 64%median +5.8%
Claims and costsnon-life combined ratio, after reinsurance
87%
better than 78%median 96%
Capital coverlocal solvency margin
159%
ahead of 50%median 159%
Return on equitynet profit ÷ average equity
30.0%
ahead of 91%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
Sigal12.0%12.3%13.0%13.2%13.3%
Illyria11.6%12.0%11.9%11.5%12.5%
Scardian10.8%12.1%12.2%11.5%12.0%
Eurosig9.4%11.1%11.7%11.5%11.6%
Elsig9.8%10.6%10.8%11.6%11.4%

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 SIGAL group

    6 companies in 3 markets · €135m premium, latest year

    All 6 on the SIGAL page →
    Kosovo*this market1 company€3.8m
    Sigal Life€3.8m
    Albania2 companies€72m
    Sigal€64mSigal Life€7.6m
    North Macedonia2 companies€36m
    SIGAL€30mSIGAL Life€5.8m

    Company details

    Legal name
    SIGAL UNIQA GROUP AUSTRIA SH.A.
    Registered seat
    Pristina, Kosovo
    Website
    sigal-ks.com
    LEI
    529900OS3ERHXXJ4Y667
    Employees
    197 (2025; 181 in 2022, 200 in 2023, 201 in 2024)
    Premium per employee
    €121k (FY 2025; median for non-life insurers in Kosovo*: €95k; 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.

    Questions about Sigal

    Short answers from the figures on this page.

    What is Sigal's market share in Kosovo*?

    Sigal wrote €23.7m of premium in FY 2025, 13.3% of all premium in Kosovo*, ranking #1 of 12 insurers; its premium grew 7.4% on FY 2024.

    Who owns Sigal?

    Sigal is part of the SIGAL group, which has 6 companies in 3 of the 18 markets on Polisa (FY 2025).

    What does Sigal sell?

    Sigal is a non-life insurer; its largest lines in FY 2025 are motor TPL (44.9% of its premium), health (21.1%) and property (16.4%).

    Is Sigal well capitalised?

    Sigal's solvency margin was 158% at 31 December 2025: it covered its required solvency margin 1.6 times, against a median of 158% for the insurers in Kosovo* (local rules, not Solvency II).

    Is Sigal profitable?

    Sigal made a net profit of €2.96m in FY 2025, a return on equity of 30.0%; its non-life combined ratio was 87% after reinsurance.

    Is Sigal growing?

    Sigal's premium grew 7.4% in FY 2025, faster than the market in Kosovo* (+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). Sigal (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-sigal

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_xk_sigal_2026,
  author       = {{Polisa}},
  title        = {Sigal (Kosovo*): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/xk-sigal}},
  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).