Polish insurers wrote PLN 44.39 billion (EUR 10.47 billion) in gross premiums in the first half of 2025, up 3.6% year-on-year. Both life (+2.6%) and non-life (+4%) segments contributed to growth.

Despite claims rising nearly 10% to PLN 26.34 billion (EUR 6.2 billion), the sector’s net profit jumped 22% to PLN 8.31 billion, thanks to stronger technical results in key lines, according to the Financial Supervision Authority (KNF).

Motor insurance stood out: MTPL returned to profitability with a modest surplus of PLN 52.96 million after last year’s heavy loss, supported by higher premiums and improved risk assessment. Motor Hull also performed strongly, lifting mobility insurance to a combined profit of over PLN 530 million.

Property insurance premiums rose to PLN 6.53 billion (EUR 1.54 billion), though claims surged by 25% to PLN 3 billion, partly due to agricultural payouts.

The sector remains well capitalized, with a solvency ratio of 229.9%, comfortably above the 150% regulatory minimum.

PZU Group retained its dominant position, with PZU Życie holding 44.4% of the life market and PZU nearly 30% of non-life. Allianz Życie Polska and Nationale-Nederlanden completed the life Top 3, while Warta and Ergo Hestia ranked just behind PZU in non-life.

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