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Insurance Intelligence

Providing expert analysis, independent market insight and company data on the insurance industry.

Insurance market reports are produced following a country visit with interviews with professionals working in the sector with systematic updates to information throughout the cycle. Covering market developments, macroeconomic factors and comprehensive details of the regulatory environment including relevant taxation as well as market indicators and company statistics.

Axco’s Kosovo Non-Life Insurance Market Report (P&C) also comprises a detailed analysis of lines of business and sub-classes such as natural hazards, property, construction and machinery breakdown, motor, workers compensation & employers’ liability and liability.

The Life & Benefits Report for Kosovo includes detail on social security, healthcare, individual life assurance and pensions information as well as market statistics and life company statistics

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Information for Kosovo can be seen in:

Insurance Market Reports (Non-Life) Insurance Market Reports (Life & Benefits) Global Statistics Regulatory Alerts Market Profiles Insight Compliance Compliance Point Clinical Trials Axco API

Country Information

Capital city
Real GDP growth (%)
Inflation (%)
latest GWP
Insurance Penetration (%)
GMT +1
1.81 mn (2022)
101.69 (mn)

Kosovo is a landlocked territory in the centre of the Balkan Peninsula. It borders Serbia to the north-east, North Macedonia to the south, Albania to the south-west and Montenegro to the north-west. It is a unitary state divided into 38 municipalities for administrative purposes

On 17 February 2008 Kosovo unilaterally declared its independence from Serbia. The insurance market is young and under-developed; until the economy grows and both private individuals and commercial entities have more disposable income to pay for insurance products, the market will continue to be dominated by insurance bought only because some form of compulsion is involved, statutory or contractual.

New solvency margin requirements came into force in 2017.

In 2021 there were 11 non-life and two active life insurance companies in Kosovo, dominated by subsidiaries of foreign insurance groups with about 50% of market premium. The predominant foreign influences are Albanian, Austrian and Slovenian.

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