Czechia
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →This page is also available in Czech.
Latest news4 Nov 2026: ČKP: motor TPL claim costs keep rising faster than premiums All news (15) →
Coverage Polisa's total is the 16 domestic insurers' SFCR written premium (life single premiums in full, without statutory employer liability and without the Slovak branches of Generali ČP and UNIQA) plus ČAP's figures for the six branches of foreign insurers. ČNB's total of CZK 246.9bn also counts the Slovak branches and statutory employer liability. Insurers report accident and sickness riders sold with life policies differently, some as life and others as non-life income protection, as ČAP notes; Polisa takes each insurer's split from its SFCR, so Czech life premium from other sources can differ from the site's even where the totals agree. Source.
Market share by insurer
Latest quarter: H1 2026
Premium written H1 2026, year to date: €4.45bn, +6.9% against H1 2025 in local currency. Share change in percentage points against the same period a year earlier. The quarter is on ČAP's basis, which counts life single premiums at a tenth; the full years are each insurer's SFCR written premium, so a life insurer's quarter does not compare with its year.
Largest insurers, H1 2026
Premium year to date and growth; the bar is the share, its change in points under it.
Gains and losses in share
Change in share against H1 2025, in percentage points; an insurer with no premium now has lost its whole share.
- Direct pojišťovna · 5 May 2026: Direct pojišťovna posts record 2025 with CZK 216 million net profit
- Generali Česká pojišťovna · 16 Jul 2026: Summer hailstorms: Generali Česká logs 6,478 claims worth over CZK 540 million
- Komerční pojišťovna · 7 May 2026: KB Pojišťovna lifts 2025 net profit to CZK 582 million
All figures
| Insurer | H1 2026 €m | Share | Δ pp | H1 2025 €m | Growth |
|---|---|---|---|---|---|
| Kooperativa | 1,023.6 | 23.0% | −0.5 | 949.9 | +4.8% |
| Generali Česká pojišťovna | 1,021.0 | 23.0% | +0.1 | 922.8 | +7.6% |
| Allianz pojišťovna | 511.1 | 11.5% | +0.0 | 463.5 | +7.2% |
| ČSOB Pojišťovna | 420.3 | 9.5% | +0.1 | 377.5 | +8.3% |
| Česká podnikatelská pojišťovna | 384.8 | 8.7% | +0.0 | 349.5 | +7.1% |
| UNIQA pojišťovna | 322.3 | 7.2% | −0.1 | 299.1 | +4.8% |
| Direct pojišťovna | 102.4 | 2.3% | +0.2 | 86.6 | +15.0% |
| NN Životní pojišťovna (branch) | 100.0 | 2.2% | −0.1 | 95.3 | +2.0% |
| BNP Paribas Cardif | 95.7 | 2.2% | +0.0 | 86.8 | +7.2% |
| Komerční pojišťovna | 81.7 | 1.8% | +0.1 | 69.4 | +14.6% |
| MetLife Europe (branch) | 72.3 | 1.6% | +0.0 | 65.0 | +8.2% |
| Slavia pojišťovna | 51.5 | 1.2% | +0.2 | 39.5 | +26.8% |
| Maxima pojišťovna | 41.7 | 0.9% | +0.0 | 36.4 | +11.5% |
| Colonnade Insurance (branch) | 38.6 | 0.9% | −0.0 | 36.9 | +1.6% |
| Pillow pojišťovna | 37.6 | 0.8% | +0.1 | 30.3 | +20.7% |
| ERV Evropská pojišťovna | 31.0 | 0.7% | −0.1 | 30.4 | −0.9% |
| Simplea pojišťovna | 27.4 | 0.6% | +0.0 | 23.4 | +13.9% |
| Hasičská vzájemná pojišťovna | 25.2 | 0.6% | −0.0 | 24.4 | +0.8% |
| HDI Versicherung (branch) | 18.8 | 0.4% | +0.0 | 17.1 | +7.3% |
| SV pojišťovna | 14.4 | 0.3% | −0.0 | 13.6 | +3.5% |
| Youplus (branch) | 12.5 | 0.3% | −0.0 | 12.8 | −4.8% |
| Agra pojišťovna (Österreichische Hagelversicherung, branch) | 11.6 | 0.3% | −0.1 | 13.1 | −13.9% |
| Halali | 1.9 | 0.0% | +0.0 | 1.5 | +22.6% |
| Market | 4,447.5 | 100% | 4,044.6 | +6.9% |
Each insurer's figures: All insurers, growth and latest quarter → · Full-year outlook →
What's happening in Czechia
The latest news on the market's insurers and their supervisor, newest first: facts in Polisa's own words, each with its source.
- PricesČKP: motor TPL claim costs keep rising faster than premiums
The Czech Insurers' Bureau expects direct motor TPL payouts of CZK 20.7 bn in 2026, 43% above 2019, while the average premium rises only about 3–4% a year; it cites dearer labour, parts and more complex repairs.
Source: ČKP - SupervisorČNB's CZK 6 million fine on Pojišťovna VZP over motor TPL becomes final
The Czech National Bank fined Pojišťovna VZP CZK 6 m for errors in pricing and managing motor TPL; in 2020–2023 its costs and liabilities were CZK 122–132 per CZK 100 of premium. The insurer's appeal failed.
Source: Seznam Zprávy (ČTK) - CompanyThe Czech National Bank registered a Czech branch of CIG Pannónia's life insurer.Source: CIG Pannónia stock exchange announcement (15 Oct 2026); E15 (12 Oct 2026)
- CatastropheInsured losses from the 2024 floods now put at CZK 21.2 billion
Two years after the September 2024 floods, ČAP raised its estimate of insured losses by CZK 557 m to CZK 21.24 bn. Insurers had paid nearly CZK 18 bn on 100,200 settled claims, up from CZK 15.5 bn a year earlier.
Source: ČAP
11 earlier
- PricesAverage motor TPL price up 3.6% in 2026 as increases slow, comparison site says
RIXO.cz data for January to mid-2026 put the average annual motor TPL premium at CZK 4,612, up 3.6% on a year earlier, after rises of roughly 5% a year before; in 2022 it was CZK 3,827.
Source: Kurzy.cz (RIXO.cz) - ResultsCzech premiums up 7.1% in H1 2026 to CZK 123.8 billion, ČAP says
ČAP members wrote CZK 123.8 bn in H1 2026, up 7.1%: life CZK 33.2 bn (+7.6%), non-life CZK 90.6 bn (+7.0%). Claims costs rose 2.3% to CZK 58.4 bn; premium growth slowed from 7.8% in 2025.
Source: ČAP - CatastropheSummer hailstorms: Generali Česká logs 6,478 claims worth over CZK 540 million
After storm waves on 20 June and 29 June–1 July, Generali Česká pojišťovna had about 6,478 claims worth over CZK 540 m; hail caused 3,499 of them (about CZK 236 m). Claim numbers were up about 210% on a year earlier.
Generali Česká pojišťovnaSource: Kurzy.cz (oPojištění.cz) - DealHungary's CIG Pannónia signed a binding deal to buy Youplus's Czech and Slovak business, which had stopped selling new policies in October 2025.Youplus (branch)Source: CIG Pannónia stock exchange announcement
- ResultsKB Pojišťovna lifts 2025 net profit to CZK 582 million
Komerční pojišťovna, trading as KB Pojišťovna, made a 2025 net profit of CZK 582 m under Czech accounting rules on CZK 7.5 bn of gross written premium; non-life grew 15% and savings life insurance 18%.
Komerční pojišťovnaSource: Komerční banka - ResultsDirect pojišťovna posts record 2025 with CZK 216 million net profit
Direct's Czech portfolio grew 17% organically to CZK 4.4 bn in 2025, about twice the pace of the non-life market; pre-tax profit was CZK 234 m and net profit CZK 216 m. With Poland, turnover topped CZK 5 bn.
Direct pojišťovnaSource: Kurzy.cz (Direct press release) - CompanyERV Evropská pojišťovna was renamed ERGO Cestovní Pojišťovna to match the ERGO Travel brand.ERV Evropská pojišťovnaSource: ERGO Cestovní Pojišťovna
- DealGenerali Česká pojišťovna took over the Czech legal-expenses business of D.A.S., including staff and tied agents, after Austria's FMA approved the transfer.D.A.S. právní ochrana (branch)Source: epravo.cz
- ResultsCzech market grew 7.8% in 2025 to CZK 226 billion; fire losses worst in a decade
ČAP members wrote CZK 226 bn in 2025, up 7.8%: life CZK 61 bn (+5.9%), non-life CZK 165 bn (+8.5%). Fires caused 5,730 claims worth CZK 5.7 bn, which a ČAP analyst called the worst year of the past decade.
Source: České noviny (ČTK) - LawHigher daily charges for uninsured vehicles take effect
From 1 January 2026, finance ministry decree No. 458/2025 raised the daily contributions owners pay to the ČKP guarantee fund for vehicles without motor TPL; for cars up to 1,000 cm³ the rate rose from CZK 30 to CZK 81.
Source: Kurzy.cz (oPojištění.cz) - DealGenerali Česká agrees to buy D.A.S.'s Czech legal-expenses business
Generali Česká pojišťovna agreed with Austria's ERGO Versicherung to take over the Czech portfolio, staff and tied agents of D.A.S. právní ochrana, which holds 64% of legal-expenses insurance (2024 premium CZK 472 m).
Generali Česká pojišťovnaD.A.S. právní ochrana (branch)Source: oPojištění.cz
Five-year trend
Premium
Market share of the five largest
Lines in Czechia
All figures
Motor TPL, FY 2025: average premium €144 per policy, 2.7 claims per 100 policies, average claim €2,933. Prices in every market on the Motor TPL page →
Claims incurred in Czechia
Insurers' claims incurred came to €4.26bn in FY 2025, −12.0% on FY 2024 in CZK: €51 for every €100 of premium. Non-life claims were €2.93bn; life insurance benefits €1.33bn.
Premium and claims incurred, FY 2021–2025
PremiumClaims incurred% claims incurred per €100 of premium
Claims incurred by line, FY 2025
Claims incurred by ČAP's member insurers (claims paid plus the change in claims provisions), before reinsurance; statutory employer liability and the Slovak branches of Czech insurers are not counted, as in the premium. Source: ČAP, insurance market development. Claims across all markets →
Reinsurance in Czechia
Share of non-life premium ceded, by line
Largest cedents
All figures
Capital cover across the market
Groups present
Each group's share of this market, its companies here, and where else it operates.
Profit and capital
Net profit by year
All figures
Each insurer's profit, return on equity and ratios: All insurers, solvency and profit →
Staff and premium per employee
FY 2024 premium over the insurers' reported employees. Agents, banks and group service companies are not employees, so an insurer that sells through others looks more productive: compare insurers of the same type.
Premium per employee, FY 2024
non-lifecompositelife
10 more in the full table below
Size and productivity, FY 2024
Each dot an insurer: employees across (log scale), premium per employee up; the larger the dot, the larger the premium.
By typeMedian per employee
All figures
| Insurer | Type | Employees | Premium €m | Premium per employee |
|---|---|---|---|---|
| BNP Paribas Cardif | composite | 84 | 158.1 | €1.88m |
| HDI Versicherung (branch) | non-life | 16 | 27.0 | €1.69m |
| Allianz pojišťovna | composite | 683 | 861.6 | €1.26m |
| ERV Evropská pojišťovna | non-life | 57 | 58.7 | €1.03m |
| Komerční pojišťovna | composite | 288 | 258.5 | €898k |
| Maxima pojišťovna | non-life | 71 | 63.7 | €897k |
| ČSOB Pojišťovna | composite | 795 | 706.1 | €888k |
| Simplea pojišťovna | life | 53 | 41.5 | €783k |
| MetLife Europe (branch) | composite | 172 | 121.9 | €709k |
| Česká podnikatelská pojišťovna | composite | 973 | 638.9 | €657k |
| Generali Česká pojišťovna | composite | 2,948 | 1,736.2 | €589k |
| Slavia pojišťovna | non-life | 121 | 71.2 | €589k |
| SV pojišťovna | composite | 52 | 27.8 | €534k |
| Colonnade Insurance (branch) | non-life | 120 | 63.3 | €528k |
| Kooperativa | composite | 4,146 | 1,754.9 | €423k |
| Halali | non-life | 5 | 1.9 | €389k |
| Direct pojišťovna | non-life | 404 | 154.2 | €382k |
| Youplus (branch) | life | 70 | 22.2 | €318k |
| Hasičská vzájemná pojišťovna | non-life | 133 | 41.5 | €312k |
| D.A.S. právní ochrana (branch) | non-life | 121 | 18.8 | €155k |
Staff: headcount each member reports to the Czech Insurance Association (ČAP) in the member tables of its annual report, 2021–2024; UNIQA and NN's branch are not counted: they report so few employees for their premium that most of their work is done by staff of other group companies. Type: life where life insurance is 90% or more of the premium, non-life where it is 10% or less, composite in between. Productivity across all markets →
Questions about Czechia
Short answers from the figures on this page.
How big is the Czechia insurance market?
Insurers in Czechia wrote €8.31bn of premium in FY 2025, +7.5% on FY 2024 in CZK. That is 2.4% of GDP and €761 per person.
Who is the largest insurer in Czechia?
Kooperativa is the largest insurer in Czechia with 22.7% of premium (€1.89bn) in FY 2025, ahead of Generali Česká pojišťovna (22.6%) and Allianz pojišťovna (11.3%); the three largest write 57% of the market.
How many insurance companies are there in Czechia?
22 insurers wrote premium in Czechia in FY 2025: 9 non-life, 2 life and 11 composite.
Which insurance groups are present in Czechia?
Polisa records 13 insurance groups in Czechia in FY 2025; the largest by premium are VIG 31.2%, Generali 22.6%, Allianz 11.3%, KBC 9.9%. Insurers with no group (independent or not in a group) write 5.5% of the premium.
What is the largest line of business in Czechia?
Life insurance is the largest line in Czechia with 26.5% of premium (€2.2bn) in FY 2025, then property with 20.6%.
How well capitalised are the insurers in Czechia?
The median SCR ratio of the insurers in Czechia was 183% at 31 December 2025: the typical insurer held 1.8 times the capital Solvency II requires. 16 of the 22 insurers publish it.
RegulationRule changes6 rule changes that reach insurers in Czechia, with their dates
- Solvency II review · Applies from 30 January 2027
- The natural catastrophe protection gap · Framework presented 27 October 2026; first insurance measures due by the end of 2027
- AI Act: pricing rules for life and health delayed · High-risk rules from 2 December 2027
- Retail Investment Strategy: value for money · European Parliament vote scheduled for 12 November 2026; the rules apply 30 months after publication
- Recovery and resolution of insurers · Applies from 30 January 2027
- DORA: digital operational resilience · In application since 17 January 2025
Spotted a wrong figure? Tell us and include the source.
All insurers
ExcelDownload CSVLicence| Insurer | Premium | Share |
|---|---|---|
| Kooperativa | 1,889.5 | 22.7% |
| Generali Česká pojišťovna | 1,875.7 | 22.6% |
| Allianz pojišťovna | 942.4 | 11.3% |
| ČSOB Pojišťovna | 820.4 | 9.9% |
| Česká podnikatelská pojišťovna | 699.9 | 8.4% |
| UNIQA pojišťovna | 604.5 | 7.3% |
| Komerční pojišťovna | 303.0 | 3.6% |
| NN Životní pojišťovna (branch) | 195.6 | 2.4% |
| BNP Paribas Cardif | 183.1 | 2.2% |
| Direct pojišťovna | 179.8 | 2.2% |
| MetLife Europe (branch) | 132.1 | 1.6% |
| Slavia pojišťovna | 80.4 | 1.0% |
| Maxima pojišťovna | 74.6 | 0.9% |
| Colonnade Insurance (branch) | 66.3 | 0.8% |
| ERV Evropská pojišťovna | 57.3 | 0.7% |
| Simplea pojišťovna | 49.0 | 0.6% |
| Hasičská vzájemná pojišťovna | 44.8 | 0.5% |
| HDI Versicherung (branch) | 30.3 | 0.4% |
| SV pojišťovna | 30.2 | 0.4% |
| Youplus (branch) | 26.6 | 0.3% |
| D.A.S. právní ochrana (branch) | 19.9 | 0.2% |
| Halali | 2.2 | 0.0% |
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). Czechia insurance market: market shares, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/markets/cz
BibTeXShow entry
@misc{polisa_markets_cz_2026,
author = {{Polisa}},
title = {Czechia insurance market: market shares, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/markets/cz}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ČAP (no re-use terms published), ČNB (free with credit, unaltered), insurers' SFCRs (public disclosures, linked).