The surprise in 2025 did not come from the comprehensive auto (CASCO) insurance, which remains the most profitable segment in the general insurance sector, with a 19% increase in net profit in 2025 compared with 2024, to RON548 million, but from the auto liability (RCA) insurance segment, which recorded a substantial loss of RON215 million. By comparison, in 2024, auto liability insurance recorded a net profit of RON126 million.
Net profit of the comprehensive auto insurance segment accounts for 39% of the total net profit across the entire market, and for 78% of the general insurance sector.
In the general insurance sector, the net profit recorded by insurers was RON702 million, accounting for half of the total net profit recorded by the entire market in 2025.
Whereas in 2024, auto liability insurance ranked second with a net profit of RON126 million, in 2025, it saw a loss of RON215 million, and the second-highest net profit was recorded by the fire and natural disasters insurance segment, RON136 million.
Surety insurance is the third most profitable segment of general insurance, despite an 8% decline in 2025, to RON87 million.
At the same time, the general liability insurance segment also recorded an 11% decline in net profit, down to RON62 million.
The health insurance segment generated a net profit of RON20 million in 2025, down 23% from 2024, while accident insurance saw a 7% decline in net profit in 2025 compared with 2024, to RON14 million.
The highest increase in net profit came from the cargo insurance segment, with a strong 67% rise in 2025 compared with 2024, to RON10 million, while assistance insurance recorded the second-highest net profit growth among the general insurance segments in 2025, 40% compared with 2024, to RON14 million.
The Romanian insurance market reached a gross written premium volume of RON25.8 billion in 2025, up 10% on 2024, of which 80% represent general insurance premiums and 20% life insurance premiums.
(English version by Loredana Fratila-Cristescu)