According to the National Bank, the market share of brokerage services accounts for about 63% of income received in the insurance market. Insurance intermediaries – brokers, agents – in the first half of the year concluded 527.6 thousand insurance contracts (54.5% of the total number of contracts concluded on the market), under which insurance premiums were charged in the amount of 997.3 million lei, which is by 117.4 million lei, or by 13.3% more compared to the same period of 2024.
The total number of contracts in force in Moldova since the beginning of the year amounted to 1,357.9 thousand units, and it is increasing every month, thanks to the intermediary activity. About 98% of contracts are concluded for general insurance, and only 2% for life insurance. The average premium for MTPL insurance in the first half of 2025 amounted to 1,247.7 lei, for “Green Card” insurance – 991 lei.
The main share of the intermediary premiums went to insurance brokers – 65,3%. The share of insurance agents and bank insurance agents – 23,0% and 11,7% respectively. The degree of intermediation in the first half of 2025 reached 62.6%, increasing by 5.9 percentage points compared to the same period of the previous year. And by type of insurance, it amounted to: 61.6% for general insurance and 95.4% for life insurance.
The commissions accrued by insurance intermediaries reached 333.2 million lei, increasing by 23.9 million lei, or by 7.7%. Among them, they earned 329.9 million lei from intermediation in the conclusion of insurance contracts, and 3.3 million lei from the activity of assisting policyholders and settling claims.
This year, 9 insurance companies, 54 insurance or reinsurance brokers, 51 insurance agents and 34 bank insurance agents operated on the insurance market.
