Romania
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest news2 Oct 2026: ASF: premiums up 15% to about RON 14.2bn in H1 2026, motor liability (RCA) up 17% All news (13) →
Coverage The insurers shown write 84.9% of the market. ASF-authorised insurers only. Branches of EU insurers wrote another RON 3.9bn (about €772m) in 2025; ASF does not publish their 2024 premium per company, so they are listed but not ranked. Source.
Not in the shares: 14 insurers
- Axeria IARDbranch€229.3m
- MetLifebranch€191.1m
- Hellas Directbranch€164.9m
- Agra (Österreichische Hagelversicherung)branch€56.5m
- Porsche Versicherungbranch€27.0m
- Colonnadebranch€25.8m
- Cardif Risques Diversbranch€25.1m
- Cofacebranch€17.9m
- Allianz Tradebranch€14.2m
- Sogessurbranch€6.2m
- Atradiusbranch€6.0m
- Medicover Asigurarebranch€5.0m
- Cardif Viebranch€2.5m
- Anytime (Interamerican)branch€0.3m
Market share by insurer
Latest quarter: H1 2026
Premium written H1 2026, year to date: €2.35bn, +13.1% against H1 2025 in local currency. Share change in percentage points against the same period a year earlier. Only insurers authorised by ASF: branches of insurers from other EU countries, which ASF's own totals and growth figures include, are left out.
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.
- Allianz-Țiriac · 6 Jul 2026: RCA premiums up 13% in Q1 2026; Groupama, Allianz-Țiriac and Axeria lead
- Eazy Asigurări · 25 Mar 2026: ASF approved Autonom International's 20% stake in Eazy Asigurări, the first step in widening its shareholder base.
- Groupama · 23 Apr 2026: Groupama, Romania's largest insurer, lifts 2025 premiums 12.4% and earns RON 374m
All figures
| Insurer | H1 2026 €m | Share | Δ pp | H1 2025 €m | Growth |
|---|---|---|---|---|---|
| Groupama | 526.4 | 22.4% | +0.8 | 462.0 | +17.1% |
| Allianz-Țiriac | 442.0 | 18.8% | +1.3 | 372.7 | +21.9% |
| Omniasig | 304.4 | 12.9% | −0.5 | 287.5 | +8.8% |
| Asirom | 221.7 | 9.4% | −0.5 | 212.8 | +7.1% |
| Generali | 192.0 | 8.2% | −0.5 | 185.7 | +6.3% |
| NN Asigurări de Viață | 131.2 | 5.6% | −0.2 | 124.0 | +8.7% |
| GRAWE | 103.0 | 4.4% | −1.1 | 116.8 | −9.4% |
| BCR Asigurări de Viață | 85.7 | 3.6% | −0.5 | 88.0 | +0.2% |
| BRD Asigurări de Viață | 70.8 | 3.0% | +1.2 | 38.2 | +90.2% |
| Eazy Asigurări | 51.3 | 2.2% | +0.8 | 29.5 | +78.8% |
| Signal Iduna | 47.1 | 2.0% | +0.1 | 41.5 | +16.5% |
| UNIQA | 45.1 | 1.9% | −0.2 | 45.0 | +3.2% |
| UNIQA Asigurări de Viață | 39.1 | 1.7% | +0.0 | 34.9 | +15.2% |
| PAID | 30.9 | 1.3% | −0.0 | 28.2 | +12.5% |
| Signal Iduna Asigurări (ex-ERGO) | 14.8 | 0.6% | −0.0 | 13.9 | +9.3% |
| ABC Asigurări | 11.1 | 0.5% | −0.1 | 11.8 | −3.2% |
| Exim România | 7.9 | 0.3% | +0.0 | 6.4 | +25.3% |
| Garanta | 6.4 | 0.3% | −0.0 | 6.1 | +6.8% |
| NN Asigurări | 6.2 | 0.3% | +0.1 | 3.8 | +65.6% |
| Onix | 4.9 | 0.2% | −0.1 | 5.9 | −14.2% |
| Asito Kapital | 4.8 | 0.2% | +0.0 | 4.3 | +13.6% |
| Eurolife FFH Asigurări Generale | 3.4 | 0.1% | −0.0 | 3.7 | −7.3% |
| Eurolife FFH Asigurări de Viață | 1.8 | 0.1% | −0.0 | 2.1 | −14.1% |
| German Romanian Assurance | 0.2 | 0.0% | −0.0 | 0.2 | +3.8% |
| Allianz-Țiriac Unit (ex-Gothaer) no premium in H1 2026 | — | — | −0.5 | 11.7 | — |
| Market | 2,352.0 | 100% | 2,136.7 | +13.1% |
Each insurer's figures: All insurers, growth and latest quarter → · Full-year outlook →
What's happening in Romania
The latest news on the market's insurers and their supervisor, newest first: facts in Polisa's own words, each with its source.
- ResultsASF: premiums up 15% to about RON 14.2bn in H1 2026, motor liability (RCA) up 17%
Branches grew 31% and ASF-authorised insurers 13%. RCA reached about RON 6bn and the average car RCA premium was RON 2,093 in Q2, up 21% on the year. The non-life combined ratio rose to 93.4%, above 100% for RCA insurers.
Source: Financial Intelligence (ASF release) - SupervisorASF schedules a conduct inspection of RCA seller Hellas Direct from 1 October
ASF planned an inspection of the Romanian branch of Cyprus-licensed Hellas Direct, a top-five RCA seller with over 850,000 drivers, under its annual plan. ASF checks conduct only; solvency stays with the home supervisor.
Source: Economica.net - ResultsCompulsory home (PAD) policies up 9.4% year on year to almost 2.5 million
Active compulsory home insurance policies rose 9.39% year on year in July 2026 to about 2.5 million, according to the disaster pool PADROM. 72% are in urban areas; Transilvania, Muntenia and Bucharest have the most.
PAIDSource: Economedia (PADROM data) - SupervisorASF carries out its first on-site inspection of a foreign RCA branch, at Axeria
ASF confirmed a conduct-of-business inspection at the Bucharest branch of France's Axeria Iard, the third-largest RCA writer with an 11.8% share. Prudential supervision stays with the French regulator.
Source: Profit.ro
9 earlier
- CompanyDisaster pool PADROM raises its reinsurance programme to EUR 2bn for 2026–2027
PADROM, the insurers' pool that sells compulsory home insurance (PAD) under Law 260/2008, placed a EUR 2bn reinsurance programme with more than 60 A-rated reinsurers to pay claims after a catastrophic event.
PAIDSource: Agerpres - ResultsProperty insurance claims paid rose 19% in Q1 2026 to about RON 166m
Insurers paid about RON 166m in the first quarter of 2026 to restore insured properties, roughly 19% more than a year earlier, according to ASF data reported by Ziarul Financiar.
Source: Ziarul Financiar (ASF data) - ResultsRCA premiums up 13% in Q1 2026; Groupama, Allianz-Țiriac and Axeria lead
RCA gross premiums reached about RON 2.7bn in Q1 2026, some 40% of the market. Groupama wrote RON 698m (+16%), Allianz-Țiriac RON 606m (+25%) and branch Axeria RON 318m (+67%); Asirom and GRAWE wrote less than a year earlier.
GroupamaAllianz-ȚiriacAsiromGRAWESource: Ziarul Financiar (ASF data) - PricesASF reference RCA tariffs up 12.3% for private cars versus November 2025
The semi-annual reference tariffs, calculated by KPMG and not binding on insurers, rose 12.3% for private cars, 11.7% for private goods vehicles and about 10% for companies; claim severity for cars rose 5.8%.
Source: Economedia - ResultsGroupama, Romania's largest insurer, lifts 2025 premiums 12.4% and earns RON 374m
Groupama Asigurări reported net written premiums of over RON 4.9bn for 2025, up 12.4%, including about RON 2.6bn of RCA and over RON 1.3bn of CASCO. Net profit was RON 374m and SCR coverage 151%.
GroupamaSource: Wall-Street.ro - ResultsASF: Romanian insurance premiums rose about 10% to RON 25.8bn in 2025
Gross written premiums, including branches, reached about RON 25.8bn in 2025. RCA grew 9% to RON 10.9bn and gross claims paid rose 16% to RON 12.3bn; 24 ASF-authorised insurers and 15 branches were active at year-end.
Source: Newsweek România (ASF report) - CompanyAnytime, the digital brand of Greek insurer Interamerican, started selling in Romania in April 2026 through its branch, with motor liability (RCA) first and two CASCO…Source: Economedia (23 Jul 2026)
- DealASF approved Autonom International's 20% stake in Eazy Asigurări, the first step in widening its shareholder base.Eazy AsigurăriSource: Financial Intelligence (1 Apr 2026)
- PricesASF expects average RCA prices to rise 5–10% in 2026 after the price cap ended
ASF vice-president Sorin Mititelu said average RCA increases in 2026 would likely be 5–10%. After the cap ended on 1 July 2025, the average car premium rose to RON 1,866 in September from RON 1,738 in June.
Source: Capital.ro
Five-year trend
Premium
Market share of the five largest
Lines in Romania
All figures
Motor TPL, FY 2025: average premium €267 per policy, 6.0 claims per 100 policies, average claim €2,429. Prices in every market on the Motor TPL page →
Claims paid in Romania
Insurers paid €2.08bn to their customers in FY 2025, +13.7% on FY 2024 in RON: €48 for every €100 of premium. Non-life claims were €1.72bn; life insurance benefits €364m.
Premium and claims paid, FY 2021–2025
PremiumClaims paid% claims paid per €100 of premium
Claims paid in the year by the insurers ASF authorises, before reinsurance; life includes maturities and surrenders. Branches of EU insurers are not counted, as in the premium. ASF splits non-life claims by line only for motor. Source: ASF insurance market reports and their annexes. Cash paid in the year, not the claims incurred that the combined ratios on this page are built from. Claims across all markets →
Reinsurance in Romania
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 2025 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 2025
non-lifecompositelife
13 more in the full table below
Size and productivity, FY 2025
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 |
|---|---|---|---|---|
| BCR Asigurări de Viață | life | 91 | 141.6 | €1.56m |
| PAID | non-life | 41 | 59.4 | €1.45m |
| Eazy Asigurări | non-life | 69 | 70.8 | €1.03m |
| Generali | non-life | 420 | 399.6 | €951k |
| Allianz-Țiriac | composite | 816 | 769.5 | €943k |
| Onix | non-life | 19 | 14.2 | €747k |
| GRAWE | non-life | 330 | 222.3 | €674k |
| BRD Asigurări de Viață | life | 137 | 89.2 | €651k |
| Groupama | non-life | 1,540 | 978.8 | €636k |
| Asirom | composite | 793 | 411.8 | €519k |
| Omniasig | non-life | 1,263 | 578.5 | €458k |
| Signal Iduna | life | 195 | 74.7 | €383k |
| Exim România | non-life | 42 | 14.7 | €350k |
| Signal Iduna Asigurări (ex-ERGO) | non-life | 95 | 26.1 | €274k |
| Eurolife FFH Asigurări Generale | non-life | 36 | 9.8 | €273k |
| NN Asigurări | non-life | 36 | 8.9 | €246k |
| UNIQA Asigurări de Viață | life | 297 | 70.7 | €238k |
| Asito Kapital | non-life | 37 | 7.8 | €212k |
| ABC Asigurări | non-life | 118 | 23.8 | €202k |
| UNIQA | non-life | 505 | 90.8 | €180k |
| Garanta | non-life | 91 | 12.0 | €132k |
| Eurolife FFH Asigurări de Viață | life | 32 | 4.1 | €128k |
| German Romanian Assurance | non-life | 11 | 0.4 | €34k |
Staff: average number of employees in the year, from the Ministry of Finance's open data of insurers' financial statements (data.gov.ro). 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 Romania
Short answers from the figures on this page.
How big is the Romania insurance market?
Insurers in Romania wrote €4.34bn of premium in FY 2025, +10.6% on FY 2024 in RON. That is 1.1% of GDP and €228 per person.
Who is the largest insurer in Romania?
Groupama is the largest insurer in Romania with 22.5% of premium (€979m) in FY 2025, ahead of Allianz-Țiriac (17.7%) and Omniasig (13.3%); the three largest write 54% of the market.
How many insurance companies are there in Romania?
25 insurers wrote premium in Romania in FY 2025: 17 non-life, 6 life and 2 composite.
Which insurance groups are present in Romania?
Polisa records 11 insurance groups in Romania in FY 2025; the largest by premium are VIG 26.1%, Groupama 22.5%, Allianz 18.0%, Generali 9.2%. Insurers with no group (independent or not in a group) write 3.9% of the premium.
What is the largest line of business in Romania?
Motor TPL is the largest line in Romania with 40.1% of premium (€1.71bn) in FY 2025, then casco with 19.6%; life insurance is 15.8% of the market.
How well capitalised are the insurers in Romania?
The median SCR ratio of the insurers in Romania was 164% at 31 December 2025: the typical insurer held 1.6 times the capital Solvency II requires. 23 of the 25 insurers publish it.
RegulationRule changes7 rule changes that reach insurers in Romania, 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
- Motor liability: prices move in different directions · Romania's price cap ended 1 July 2025
- 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 |
|---|---|---|
| Groupama | 978.8 | 22.5% |
| Allianz-Țiriac | 769.5 | 17.7% |
| Omniasig | 578.5 | 13.3% |
| Asirom | 411.8 | 9.5% |
| Generali | 399.6 | 9.2% |
| NN Asigurări de Viață | 250.6 | 5.8% |
| GRAWE | 222.3 | 5.1% |
| BCR Asigurări de Viață | 141.6 | 3.3% |
| UNIQA | 90.8 | 2.1% |
| BRD Asigurări de Viață | 89.2 | 2.1% |
| Signal Iduna | 74.7 | 1.7% |
| Eazy Asigurări | 70.8 | 1.6% |
| UNIQA Asigurări de Viață | 70.7 | 1.6% |
| PAID | 59.4 | 1.4% |
| Signal Iduna Asigurări (ex-ERGO) | 26.1 | 0.6% |
| ABC Asigurări | 23.8 | 0.5% |
| Exim România | 14.7 | 0.3% |
| Onix | 14.2 | 0.3% |
| Garanta | 12.0 | 0.3% |
| Allianz-Țiriac Unit (ex-Gothaer) | 11.6 | 0.3% |
| Eurolife FFH Asigurări Generale | 9.8 | 0.2% |
| NN Asigurări | 8.9 | 0.2% |
| Asito Kapital | 7.8 | 0.2% |
| Eurolife FFH Asigurări de Viață | 4.1 | 0.1% |
| German Romanian Assurance | 0.4 | 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). Romania insurance market: market shares, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/markets/ro
BibTeXShow entry
@misc{polisa_markets_ro_2026,
author = {{Polisa}},
title = {Romania insurance market: market shares, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/markets/ro}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ASF (free with credit), Ministry of Finance (CC BY 4.0 (portal policy)), insurers' SFCRs (public disclosures, linked).