Motor TPL
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →By market
Premium in the line, its weight in each market, growth, the leader and the market's ratios after reinsurance (gross, marked, where insurers with half the line's premium give no net figures). Ratios marked ≈ are approximate and leave out expenses. Top three = the three largest insurers' share of the line. Select a heading to sort.
All figures
Five years
Premium, all markets
Combined ratio, largest markets
By market and year
What's happening
Short notes on Motor TPL in the region, in Polisa's words, each with its source and date. Updated 20 Oct 2026.
Thinner margins since 2021. After reinsurance, Poland's motor TPL combined ratio rose from 91% in 2021 to 101% in 2024, a loss, before easing to 96% in 2025; Hungary's went from 73% to 95% and Croatia's from 94% to 99%.
Polisa figures · FY 2021–2025Polish claims outpace premiums. In 2025 the average motor TPL claim rose 11% to PLN 12,161 while the average premium rose 2.7% to PLN 553; the insurers' chamber puts the line's profitability at no more than 0.5%.
PIU, via BANK.pl · 10 Mar 2026Romanian prices up a fifth after the cap. A year after the RCA price cap ended in July 2025, the average car premium reached 2,093 lei in Q2 2026, about 21% more; the average claim rose about 18% and the combined ratio passed 100%.
ASF · 2 Oct 2026Czech claims inflation picks up. Insurers expected to pay about CZK 19.2bn of motor TPL claims for 2025, 7% more than in 2024, although claim numbers rose only about 1%, because of dearer repair labour, parts and more complex cars.
Česká kancelář pojistitelů · 19 Nov 2025Slovakia acts against uninsured vehicles. A law signed in April 2026 brings fines of €120–900 for vehicles uninsured over 30 days and deregistration after 24 months from October 2026; over 600,000 vehicles are thought to lack cover.
TASR (Teraz.sk) · 23 Apr 2026
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Moldovan premiums fall, payouts surge. In 2025 the average domestic RCA premium fell 13.4% to 1,254.7 lei while RCA claims paid rose 28.3% to 625.2 million lei.
National Bank of Moldova · 8 May 2026Romania far above the EU on motor insurance prices. Motor insurance prices in Romania were 38.8% higher in September 2026 than a year earlier, against 3.4% in the EU; Lithuania and Latvia rose about 7–8%, while Slovenia, Estonia and Hungary fell.
Eurostat, HICP · 16 Oct 2026EU motor directive transposed. All 27 EU states have notified full transposition of the revised Motor Insurance Directive (2021/2118); infringement cases for late notification remain open only against Ireland, Malta and Romania.
European Commission · updated 8 Jun 2026Telematics still rare in CEE. About 13.8 million telematics motor policies were in force in Europe at end-2024, some 10 million in Italy; Central and Eastern Europe as a whole had only 50,000–320,000.
Insurance-Canada.ca (Research and Markets) · 23 Jan 2026
- Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them
- Motor liability is 54% of all insurance premium in Kosovo*
- Motor liability claims are rising faster than premiums in Poland and Hungary
- Motor insurance is three quarters of non-life premium in Albania and Bosnia and Herzegovina
- Slovenia's 33% growth is mostly Triglav's business in Italy
- Romanian motor insurance up 62% since the price cap ended
- Adriatic, not Croatia osiguranje, leads Croatian motor liability
What motor liability costs and pays
Average premium per policy against the average claim, from the supervisors' and motor bureaus' statistics on policies and claims, in euros.
Average premium per policy, €
Average claim paid, €
Largest insurers in Motor TPL
All figures
Share of line = the insurer's share of this line in its own market. Ratios after reinsurance (net claims and expenses over net earned premium, S.05.01) where the insurer gives them, else gross, marked; lines under €1m earned are left out. Green below 95%, amber 95–100%, red above 100%.