The Romanian insurance market maintained strong growth in 1H 2026, with total gross written premiums (GWP), including business written by branches, reaching approximately EUR 2.7 billion, up 11.8% y-o-y in European currency.

At June 30, 2026, 24 insurers were authorized by the Financial Supervisory Authority (ASF), while 15 branches operated under the Freedom of Establishment regime. Non-life insurance continued to dominate the market, accounting for 78% of total GWP.

Premiums written by ASF-authorized insurers increased by 13% y-o-y, while branches recorded a significantly stronger 31% increase.

MTPL insurance remained a major component of the market. Total premiums written by locally authorized insurers and branches amounted to approximately RON 1.15 billion, increasing by 18% y-o-y.

Overall, gross claims paid by insurers and branches reached approximately RON 1.28 billion in 1H2026, 12.4% more y-o-y, with non-life accounting for 82% of the total.

Insurance brokers continued to play a key role in distribution. Brokerage companies distributed premiums worth EUR 1.85 billion, up approximately 16% y-o-y and equivalent to around 68% of total market GWP. The intermediation rate reached 84% in non-life insurance, compared with only 13% in life insurance.