Polish insurers wrote PLN 90.6 billion (EUR 21.43 billion) in gross premiums in 2025, up 5.76% y-o-y. Both life (+5.17%) and non-life (+5.98%) segments contributed to growth. Overall growth accelerated in the second half of the year.

Despite claims rising nearly 7% to PLN 53.78 billion (EUR 12.72 billion), the net profit increased by 6.7% y-o-y in life insurance and 35.4% in non-life insurance. According to PIU (the Polish Chamber of Insurance) data, both the technical insurance result and income from insurance companies' investment activities increased. It should be noted that investment activities are influenced by, among other things, changes in the National Bank of Poland (NBP) interest rates, which have been systematically declining since 2025.

Property insurance premiums rose to PLN 13.63 billion (EUR 3.22 billion), 4.3% up y-o-y, while claims expenses remained fairly stable, to PLN 6.24 billion.

The value of motor insurance claims has increased, but at the same time, there has also been a steady increase in insurance premiums. The average premium for MTPL insurance was PLN 553, a 2.7% increase compared to the previous year. The average claim amount for MTPL insurance increased by 11%, reaching PLN 12,161 at the end of 2025. The lower increases in average rates for MTPL insurance or MoD insurance are due to pricing pressure in the market. The technical result in MTPL insurance remains positive, but the profitability of this business line does not exceed 0.5% (technical result relative to the premium earned on the deductible), PIU said.

PZU Group retained its dominant position, with PZU Życie holding 43.14% of the life market and PZU 27.5% 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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