Kosovo*
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Kosovo*: this designation is without prejudice to positions on status, and is in line with UNSCR 1244/1999 and the ICJ Opinion on the Kosovo declaration of independence.
Latest news4 Nov 2026: Non-life premiums up 4.5% to EUR 133.9m by end-September 2026 All news (2) →
Coverage The insurers shown cover the whole market. All insurers licensed by the Central Bank of Kosovo, including the Sigma VIG branch. Source.
Market share by insurer
Latest quarter: Jan–Sep 2026
Premium written Jan–Sep 2026, year to date: €142m, +5.5% against Jan–Sep 2025 in local currency. Share change in percentage points against the same period a year earlier.
Largest insurers, Jan–Sep 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 Jan–Sep 2025, in percentage points; an insurer with no premium now has lost its whole share.
All figures
| Insurer | Jan–Sep 2026 €m | Share | Δ pp | Jan–Sep 2025 €m | Growth |
|---|---|---|---|---|---|
| Sigal | 18.6 | 13.1% | −0.7 | 18.5 | +0.3% |
| Sava | 17.2 | 12.1% | −0.5 | 17.0 | +1.1% |
| Eurosig | 16.8 | 11.8% | +0.2 | 15.5 | +7.8% |
| Scardian | 16.6 | 11.7% | +0.1 | 15.6 | +6.0% |
| Elsig | 14.9 | 10.5% | −0.6 | 14.9 | −0.3% |
| Prisig | 12.6 | 8.9% | +0.5 | 11.2 | +12.2% |
| Siguria | 11.8 | 8.4% | +0.1 | 11.1 | +6.4% |
| Sigma VIG (branch) | 11.6 | 8.2% | −0.5 | 11.7 | −1.1% |
| Dukagjini | 9.8 | 6.9% | +0.5 | 8.6 | +14.2% |
| Sigkos | 4.1 | 2.9% | −0.0 | 3.9 | +5.3% |
| Sava Life | 4.0 | 2.8% | +0.5 | 3.2 | +26.0% |
| Sigal Life | 3.6 | 2.6% | +0.5 | 2.7 | +31.9% |
| Market | 141.5 | 100% | 134.1 | +5.5% |
Each insurer's figures: All insurers, growth and latest quarter → · Full-year outlook →
What's happening in Kosovo*
The latest news on the market's insurers and their supervisor, newest first: facts in Polisa's own words, each with its source.
- ResultsNon-life premiums up 4.5% to EUR 133.9m by end-September 2026
Central Bank of Kosovo data show motor TPL at about 57.5% of premiums and paid claims up 2.2% to EUR 65.1m. The 12 insurers' combined net profit fell about 6% to EUR 12.6m. Life results are no longer published.
Source: XPRIMM (Central Bank of Kosovo data) - ResultsNon-life premiums up 6.4% to EUR 170.5m in 2025; insurers' profit up 10%
Central Bank of Kosovo data: motor TPL made up 56.4% of premiums, paid claims rose 11.1% to EUR 85.1m and the 12 insurers earned EUR 16.8m net. The CBK has stopped reporting life insurance results.
Source: XPRIMM (Central Bank of Kosovo data)
Five-year trend
Premium
Market share of the five largest
Lines in Kosovo*
All figures
Motor TPL, FY 2025: average premium €150 per policy, 5.7 claims per 100 policies, average claim €1,300. Prices in every market on the Motor TPL page →
Claims paid in Kosovo*
Insurers paid €87m to their customers in FY 2025, +12.4% on FY 2024 in euros: €48 for every €100 of premium. Non-life claims were €85m; life insurance benefits €1.9m.
Premium and claims paid, FY 2021–2025
PremiumClaims paid% claims paid per €100 of premium
Claims paid by line, FY 2025
Claims paid in the year by all licensed insurers, before reinsurance; motor TPL includes the Kosovo Insurance Bureau's border and guarantee-fund claims. Source: CBK monthly statistical bulletin. 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 Kosovo*
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-lifelife
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 |
|---|---|---|---|---|
| Sigal Life | life | 16 | 3.8 | €240k |
| Siguria | non-life | 120 | 14.8 | €123k |
| Sigal | non-life | 197 | 23.7 | €121k |
| Prisig | non-life | 141 | 15.1 | €107k |
| Scardian | non-life | 227 | 21.6 | €95k |
| Sigma VIG (branch) | non-life | 178 | 15.1 | €85k |
| Eurosig | non-life | 272 | 20.8 | €76k |
| Illyria Life | life | 66 | 4.6 | €70k |
| Dukagjini | non-life | 258 | 11.5 | €44k |
Staff: staff and senior management at 31 December, from the notes to each insurer's audited financial statements; Dukagjini counts its agents too, and Sigma VIG's figure is its Kosovo branch's own staff. 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 Kosovo*
Short answers from the figures on this page.
How big is the Kosovo* insurance market?
Insurers in Kosovo* wrote €179m of premium in FY 2025, +6.6% on FY 2024. That is 1.6% of GDP and €113 per person.
Who is the largest insurer in Kosovo*?
Sigal is the largest insurer in Kosovo* with 13.3% of premium (€23.7m) in FY 2025, ahead of Illyria (12.5%) and Scardian (12.0%); the three largest write 38% of the market.
How many insurance companies are there in Kosovo*?
12 insurers wrote premium in Kosovo* in FY 2025: 10 non-life and 2 life.
Which insurance groups are present in Kosovo*?
Polisa records 4 insurance groups in Kosovo* in FY 2025; the largest by premium are SIGAL 15.4%, Sava 15.1%, Eurosig 11.6%, VIG 8.5%. Insurers with no group (independent or not in a group) write 49.4% of the premium.
What is the largest line of business in Kosovo*?
Motor TPL is the largest line in Kosovo* with 53.7% of premium (€96.1m) in FY 2025, then health with 21.5%; life insurance is 4.7% of the market.
How well capitalised are the insurers in Kosovo*?
The median solvency margin of the insurers in Kosovo* was 158% at 31 December 2025: the typical insurer covered its required solvency margin 1.6 times (local rules, not Solvency II). 7 of the 12 insurers publish it.
Spotted a wrong figure? Tell us and include the source.
All insurers
ExcelDownload CSVLicence| Insurer | Premium | Share |
|---|---|---|
| Sigal | 23.7 | 13.3% |
| Illyria | 22.4 | 12.5% |
| Scardian | 21.6 | 12.0% |
| Eurosig | 20.8 | 11.6% |
| Elsig | 20.4 | 11.4% |
| Sigma VIG (branch) | 15.1 | 8.5% |
| Prisig | 15.1 | 8.4% |
| Siguria | 14.8 | 8.3% |
| Dukagjini | 11.5 | 6.4% |
| Sigkos | 5.2 | 2.9% |
| Illyria Life | 4.6 | 2.6% |
| Sigal Life | 3.8 | 2.1% |
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). Kosovo* insurance market: market shares, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/markets/xk
BibTeXShow entry
@misc{polisa_markets_xk_2026,
author = {{Polisa}},
title = {Kosovo* insurance market: market shares, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/markets/xk}},
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).