
Central-bank supervision
KosovoCBK
Insurance supervision in Kosovo.
01 / The institution
CBK
The Central Bank regulates and supervises insurance under the insurance law and its central-bank mandate.
The legal foundations
Mandate, written into law.
Establishing legislation and the rules governing insurance may be different instruments.
Institutional and insurance framework
Law 05/L-045 on Insurance; Law 03/L-209 on the Central Bank ↗
02 / Market signals
The numbers, with context.
Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.
Gross written premiums
Up 6.5% from 2024.
Printed page 52, Table 9 ↗Insurance penetration
Gross written premiums as a percentage of GDP.
Printed page 50 ↗Insurance density
Written premiums per person, up from EUR 106.0.
Printed page 50 ↗Insurance penetration. The central bank reports 2025 gross written premiums at 1.6% of GDP.
03 / The report notebook
A dated view of the market.
What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.
2025
Central Bank of Kosovo Annual Report 2025 ↗
Insurance-sector chapter and premium tables reviewed in the Albanian report. The financial-sector chapter notes that some figures are unaudited and may be revised.

Claims paid
EUR 86.5mPayments rose 12.4%; the total includes EUR 79.7m from insurers and EUR 6.8m from the Kosovo Insurance Bureau.
04 / Official contacts
Reach the institution.
Public institutional channels, checked 17 September 2026.
- Official contact route
- Visit the institutional website for current enquiry channels.Source ↗
Research trail
Sources you can follow.
Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.
- OFFICIAL GAZETTE OF THE REPUBLIC OF KOSOVA / No. 38 / 24 DECEMBER 2015, PRISTINA ↗Checked
- Pursuant to Article 35, Paragraph 1, Subparagraph 1.1 of the Law No. 03/L-209 on the Central Bank of the Republic of Kosovo (Official Gazette of the Republic of Kosovo, No. 77/16 August 2010), Article 4, Paragraph 3, and Article 76, Paragraph 6 and Article 77, Paragraph 6 of the Law No. 05/L-045 on Insurance (Official Gazette of the Republic of Kosovo, No. 38/24 December 2015), the Board of the Central Bank of the Republic of Kosovo in the meeting held on 28th of April 2016 approved the following: ↗Checked
- Institutional website — contact route ↗Checked
- Central Bank of Kosovo Annual Report 2025 ↗Checked
Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.
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