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Siguria

Kosovo*ks-siguria.com ↗#8 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
€15m
8.3% of Kosovo*
Growth
+2.4%
FY 2025 vs 2024, in EUR · market +6.6%
Life share
0%
of own premium
Capital cover
145%
Solvency margin · €5.8m held vs €4.0m required
Claims and costs
96%
combined ratio after reinsurance · gross 85% · market 94%
In shortNumber 8 of 12 in Kosovo* with 8.3% of premium, growing slower than the market. Strongest in Casco, with 12.3% of the line. Its non-life business made money on underwriting, with a combined ratio of 96% after reinsurance against 94% for the market. It paid €6.2m in claims, €42 for every €100 of its premium. It covers its required solvency margin 1.4 times.

Latest resultsJan–Sep 2026, year to date: €12m of premium, +6.4% on Jan–Sep 2025 (market +5.5%); share 8.4% (+0.1 pp), #7 of 12. More

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

Line mix
Motor TPL62%
Health20%
Casco10%
Other non-life4%
Property3%
Size#8 of 12 by premium
€15m
larger than 36%median €15m
GrowthFY 2025 against 2024, in EUR
+2.4%
ahead of 27%median +5.8%
Claims and costsnon-life combined ratio, after reinsurance
96%
better than 44%median 96%
Capital coverlocal solvency margin
145%
ahead of 17%median 159%
Return on equitynet profit ÷ average equity
11.2%
ahead of 45%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
    ks-siguria.com
    Employees
    120 (2025; 151 in 2021, 162 in 2022, 129 in 2024)
    Premium per employee
    €123k (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 Siguria

    Short answers from the figures on this page.

    What is Siguria's market share in Kosovo*?

    Siguria wrote €14.8m of premium in FY 2025, 8.3% of all premium in Kosovo*, ranking #8 of 12 insurers; its premium grew 2.4% on FY 2024.

    Who owns Siguria?

    Polisa records no group for Siguria in FY 2025.

    What does Siguria sell?

    Siguria is a non-life insurer; its largest lines in FY 2025 are motor TPL (62.5% of its premium), health (20.1%) and casco (10.1%).

    Is Siguria well capitalised?

    Siguria's solvency margin was 145% 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 Siguria profitable?

    Siguria made a net profit of €0.854m in FY 2025, a return on equity of 11.2%; its non-life combined ratio was 96% after reinsurance.

    Is Siguria growing?

    Siguria's premium grew 2.4% in FY 2025, slower 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). Siguria (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-siguria

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_xk_siguria_2026,
  author       = {{Polisa}},
  title        = {Siguria (Kosovo*): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/xk-siguria}},
  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).