General insurance accounted for 81% of total subscriptions, while life insurance accounted for the rest. Additionally, the total value of insurance premiums underwritten for RCA (motor third-party liability) insurance amounted to RON 9.94 billion (€2 billion), a 7% increase y/y.

"The liquidity indicator for general insurance activity (3.09) decreased slightly compared to the situation recorded at the end of 2023 (3.14). The value of liquid assets increased by 20%, and insurers' short-term liabilities increased by 23%. In the case of life insurance activity, the indicator increased. The improvement in liquidity for life insurance activity occurred due to an increase in liquid assets of 18%, while short-term liabilities increased at a slower rate (+15%) compared to the end of 2023," the report states.

The total volume of gross claims paid (including branches) was approximately RON 10.6 billion (€2.12 billion), of which 82% represents gross claims paid for general insurance activity, and 18% for life insurance.

The total value of insurance companies' investments (including assets held for unit-linked products) was RON 31.6 billion lei (€6.3 billion), a 17% increase compared to the end of 2023. Insurance companies in Romania predominantly invest in fixed income instruments, mainly government bonds, which represented approximately 66% of the total investment value at the end of 2024.

Brokerage companies distributed approximately 69% of the total volume of gross premiums underwritten for Romanian insurers and branches. 

The intermediation rate for general insurance is 81.4%, and for life insurance it stands at 13.39%, according to ASF data.