The volume of insurance premiums for the first half of 2025 increased by 37% to 1.8 trillion rubles. compared to a year earlier. This was reported by the press service of the VSS and the RSA.
The volume of premiums for investment life insurance increased 2.8 times, for cumulative life insurance — by 77%, their total market share exceeded 52%.
The share of premiums under contracts with a validity period of more than 10 years or for an indefinite period increased to 20% from 8%.
In the personal insurance segment, there is a negative trend in premiums: -7% for VMI, -6% for accident insurance. At the same time, insurance at the expense of the employer is actively developing: premiums in the accident insurance segment increased by 1.5 billion rubles, by 18 billion rubles in the VMI segment, and the number of insured employees for both types of insurance increased by more than 3 million people. Despite the increase in outbound tourist traffic, the number of insurance contracts for those traveling abroad has decreased.
The volume of property insurance premiums increased by 6.7%.
Motor types show weakly positive dynamics: +1.6% for car insurance, +1% for CTP. Lower sales of new cars (according to the Association of European Businesses, the car market decreased by 27%) and low demand for leasing vehicles led to a reduction in the number of car insurance contracts (-6%), which was offset by an increase in the average premium by 8%.
The profitability of car insurance and CTP is decreasing: the growth rate of payments for motor types is significantly faster than the growth rate of premiums. This is facilitated by a significant increase in the average payout, outstripping the inflation rate: +14% for car insurance, +20% for CTP, as well as an increase in the number of payments in the car insurance segment. As a result, the volume of car insurance payments increased by 43% to 104 billion rubles.
The volume of CTP payments is growing more slowly (+6%) due to a decrease in the number of payments by 11%.
The segment of property insurance of legal entities showed significant growth not only in premiums (+15%), but also in the number of contracts concluded (+54%). At the same time, payments in the segment as a whole are growing faster than premiums: their number has increased by 18%, and the volume by 41%. This is due to the settlement of large losses on property used during construction and installation work, as well as an increase in the number of losses on insurance of other property, which is associated with an increase in the number of insured objects.
The volume of premiums for insurance of citizens' property increased by 9.5%, while maintaining multidirectional dynamics across segments: the volume of premiums for insurance of other property increased, including through insurance of smartphones and bank cards, and decreased for insurance of citizens' buildings.
In general, payments for non-life types increased by 26% to 419 billion rubles, and the combined loss ratio decreased by 2.9 percentage points due to reduced business expenses, which, combined with increased investment income due to high interest rates on deposits and bonds, as well as a positive revaluation of securities, led to 37%-significant growth in net profit in the market as a whole and improvement in profitability indicators.
