According to the official data provided by the Central Bank of Kosovo, Kosovar insurers wrote gross premiums worth EUR 87.44 million in 1H 2025, 6.6% more y-o-y. Paid claims reached almost EUR 42.35 million, increasing by 21% y-o-y.

Life insurance continued to have a marginal presence in the market portfolio, holding a share of 4.7% in the total written premiums volume. Non-life business accounts for over 95% of the market GWP, holding the lion’s share in the Kosovar insurers’ business. Out of the total non-life insurance GWP, more than half comes from the MTPL line (53%).

Non-Life insurance GWP reached the value of EUR 83.3 million which indicate an increase by 6.6% compared with 1H 2024. The number of Non-Life insurance policies reached 795,452 which are by 15.24% less y-o-y. Life insurance GWP reached EUR 4.14 million, up by 6.3% y-o-y. The number of Life insurance policies reached 47.641, increasing y-o-y by 21.5%.

The figures reveal that the aggregate market result of the first half of the year was positive, the 12 local insurers (of which seven are foreign owned) reporting a net profit of EUR 9.3 million, by 7% more y-o-y. At the same time, the total assets held by Kosovar insurance companies increased to EUR 349.3.0 million at the end of 1H 2025. Insurers’ technical reserves reached EUR 226 million.

The local subsidiaries of UNIQA – Sigal and Sigal Kosova Life, accounted for almost 17% share of the total GWP (the equivalent of EUR 14.8 million), followed by the group of companies owned by the Slovene insurance group SAVA - Illyria and Illyria Life with a market share of 14.7% (the equivalent of EUR 12.85 million). The Top 5 non-life insurance is completed by Scardian (12.22% of the non-life GWP), Eurosig (11.94%) and Elsig – 11.88%.

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