Over PLN 26.3 billion in compensation and benefits paid after Q2 2025

Date: 4 September 2025

This is 10% more than in the analogous period of 2024. Both the number of insured and the value of gross premium written are systematically growing.
KEY FIGURES:
  • PLN 26.3 billion for the injured, including:
    • PLN 8.7 billion in Division I (life insurance, +7.8% year-on-year)
    • PLN 17.6 billion in Division II (property insurance, +11.2% year-on-year)
  • Poles allocated PLN 44.4 billion to insurance (gross premium written), including:
  • PLN 12.1 billion for life insurance (+2.7% year-on-year)
  • PLN 32.3 billion from property insurance (+4.0% year-on-year)
  • Insurers placed PLN 107 billion in bonds and other fixed-income securities
  • Additionally, PLN 20.3 billion was invested by the sector in shares of WSE companies and other variable-income securities
  • Insurers paid PLN 1.1 billion in income tax (+24% year-on-year)

– Q2 this year means maintaining stable growth both in premiums and compensation and benefit payments. Poles receive increasingly greater financial support in difficult situations. In the longer horizon, regulatory, climate and demographic challenges will be crucial. They constitute both issues requiring urgent action and significant development opportunities for the sector. Today insurers in Poland need close and good cooperation with the regulator and supervisor – indicates Jan Grzegorz Prądzyński, PIU Management Board President.

– The insurance sector bears an increasingly greater tax burden for public finances. Net technical and financial results are systematically improving year-on-year in both divisions, which testifies
to the healthy condition of the market – added Piotr Wrzesiński, PIU Management Board Vice President.

Life insurance

In Q2 2025, a total of 25.4 million life insurance contracts were concluded, including over 14.2 million people insured in group form. This form of insurance enjoys increasing popularity. Gross premium written in Division I amounted to PLN 12.1 billion and was 2.7% higher than a year earlier.

Motor insurance

Motor insurance constitutes the largest part of the Division II market. In Q2 2025:

  • compensation and benefits from compulsory TPO motor insurance amounted to PLN 6.3 billion, their growth was 6.7% year-on-year
  • compensation from Auto Casco (AC) insurance – PLN 4.5 billion, growth of 7% compared to the analogous period last year

The value of claims increased, but stable growth in insurance premiums is also visible.  The average premium in third party liability motor insurance amounted to PLN 548, i.e. 3.2% more than in the analogous period of the previous year. The average claim from third party liability motor insurance increased by 14.7% and at the end of H1 2025 amounted to PLN 11,641.

Other property insurance

After Q2 2025, compensation payments related to property insurance (Group 8 and Group 9) amounted to PLN 3 billion – this is an increase of 25% year-on-year. This was influenced by, among other things, payments related to agricultural insurance.

Profit and tax

In Q2 2025, insurers paid over PLN 1.1 billion in income tax to the state budget, generating over PLN 8.3 billion in net profit during this time. Year-on-year, net profit increased by 7.5% in Division I and by 27.5% in Division II.

Detailed data PIU_insurance_market_results_Q2_2025_value>>