According to data provided by HANFA – the Croatian Financial Services Supervisory Agency, at the end of September 2025 the total premium collected by the local insurers amounted to EUR 1.54 billion, of which EUR 0.24 billion (down 1.8% y-o-y) related to life insurance premium and EUR 1.29 billion (10.17% y-o-y growth) to non-life insurance premium.

The structure of the collected non-life insurance premium is dominated by motor vehicle liability insurance (29.8% of the total market GWP), followed by insurance of land vehicles (16.46%) and property insurance (15.3%) -to which the insurance against fire and natural disasters line and the damages to property line contributed in almost in equal parts.

The amount paid for claims settled in the first nine months of 2025 reached EUR 883 million. EUR 269.6 million of this amount is related to life insurance, while EUR 613.27 million is related to non-life insurance.

Within the total amount of claims settled in non-life insurance, the largest amounts are related to motor vehicle liability insurance (40.9%), insurance of land vehicles (21.75%), and property insurance (15.5%).

Wiener osiguranje Vienna Insurance Group d.d. (16.78% market share), ALLIANZ Hrvatska d.d. (15.87%) and AGRAM LIFE osiguranje d.d. (12.17%) are the Top 3 life insurers. On the non-life side, the Top 3 is formed from CROATIA osiguranje (29.35% market share), EUROHERC osiguranje (15.3%) and ADRIATIC OSIGURANJE (14.78%).

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