HANFA · UPDATED 21. 9. 2026.

Croatia's insurance market in 2026.

Cumulative overview for the first eight months of 2026 based on HANFA's latest monthly report. These figures are not a forecast for the full year.

Premiums collected€1.5bn6,9 % compared with the same period in 2025.

Non-life insurance84,4 %€1.2bn · 7,4 % YoY

Life insurance15,7 %€228.3m · 4,2 % YoY

Claims paid€841.8m7,8 % YoY

Period and sourceData through 31. 8. 2026. · HANFA published 21. 9. 2026. · portal verified 26. 9. 2026.Open the official report ↗

PREMIUM BREAKDOWN

What drives the non-life market?

Motor third-party liability accounts for the largest share of non-life premiums collected, followed by motor vehicle insurance.

Motor vehicle liability insurance34 %Motor vehicle insurance20,6 %Fire and natural hazards9,7 %Health insurance9,1 %

SETTLED CLAIMS

Where is the largest share of payouts?

In the period shown, motor third-party liability accounts for the largest share of non-life claims settled.

Motor vehicle liability insurance39,9 %Motor vehicle insurance21,2 %Health insurance11,5 %Fire and natural hazards9,5 %

How to interpret these figures

These are cumulative figures for the first eight months, not the final result for 2026.

A class's market share does not show whether an individual policy is cheaper or better.

Growth in claims paid is not the same as growth in the number of claims; the report refers to amounts settled.

When choosing your policy, still compare specific coverages, limits, deductibles and exclusions.

Information only — not a sales platform. We do not sell policies, send insurer enquiries or rank a 'best' offer. Actual coverage is governed by the offer, IPID, contract and insurer's terms.