PZU Maintains Leadership as Mid-Tier Insurers Gain Ground in Poland’s Expanding €21 Billion Insurance Market
Insurance Market in Poland 2025-2027 is the latest full update of the comprehensive publication on the insurance sector in Poland. It describes the present market structure and recent trends in the insurance market. It also provides estimates of insurance premium growth expected for the years 2025-2027.
Poland's insurance sector maintained robust momentum throughout the first half of 2025, building upon its strong 2024 performance. Total insurance premiums are estimated to exceed PLN 90 billion (€21 billion) by year-end 2025. The non-life segment continues to outperform expectations, driven primarily by motor insurance growth, and is projected to reach PLN 66 billion (€15.5 billion). Meanwhile, the life segment remains significantly smaller at PLN 24.5 billion (€5.7 billion) for 2025.
PZU holds its market-leading position across both segments, keeping 44% and 27% market share in life and non-life business, respectively. However, mid-tier competitors are intensifying their pursuit of new business, with Warta (Talanx) achieving notable organic growth success, particularly by surpassing PZU in the large motor TPL segment. Market concentration continues to increase, with the top five insurers commanding the majority of market share. Within the broader regional context, Poland represents approximately 39% of the Central and Eastern Europe (CEE14) insurance market, valued collectively at ~€53 billion in gross written premiums as of H1 2025.
The insurance sector in Poland is benefiting from the country's position as one of the fastest-growing economies in the EU. Strong private consumption, new investments, and rising wealth are driving premium growth. However, the shrinking population and declining customer base pose structural challenges to future growth prospects.
The medium-term outlook for the insurance market from 2025 to 2027 remains positive, with life insurance premiums projected to grow at 5% annually. The non-life insurance segment is expected to expand at 7% per year, representing a moderation from the higher growth rates observed in recent years.
Table of Contents
Companies Mentioned
- ALLIANZ
- ALLIANZ POLSKA
- AVIVA
- COMPENSA - Vienna Insurance Group
- GENERALI
- LINK4
- Metlife
- Nationale Nederlanden
- PZU
- PZU ŻYCIE
- STU ERGO HESTIA
- TU EUROPA
- TUiR WARTA
- UNIQA
- Vienna Life
