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Arsenal Insurance in 2025: Over 5 Billion UAH in Premiums and a 20th Anniversary
2025 was an outstanding year for Arsenal Insurance: we celebrated our 20th anniversary by breaking into the top 5 insurers by gross premiums, collecting 5.06 billion UAH — up 60% from 2024.
Our strategic focus remains on CASCO, where we rank among the top 2 players on the Ukrainian market. Our total CASCO premium volume for 2025 reached 2.78 billion UAH — up 40% year-over-year. Since June 2025, Arsenal Insurance has led the market by CASCO premium volume, growing twice as fast as the market. In December, Arsenal Insurance became the first company in the history of the Ukrainian insurance market to collect over 300 million UAH in CASCO premiums in a single month.
Our formula for success in CASCO is the synergy of claims-handling quality and a multichannel sales model: one in every ten cars leaving a Ukrainian dealership is insured with Arsenal Insurance, as is one in every three car loans issued by Ukrainian banks. Arsenal Insurance's CASCO market share is approaching 20%.
Our MTPL (Motor Third-Party Liability) figures also grew significantly: we climbed six positions to rank 4th by premiums. In 2025, Arsenal Insurance issued 50% more policies than in 2024, with MTPL premium volume reaching 1.25 billion UAH.
DMS (voluntary health insurance) premiums grew 32% to 459 million UAH. In health insurance, our focus remains on service quality. We continue to expand our health-care offering for teams — alongside the AI doctor in the app, we've added online consultations via video call. Our health insurance service now serves over 200 corporate clients, with roughly 45,000 insured individuals.
We're also growing across other lines: cargo insurance premiums rose 26% to 229 million UAH, and property insurance premiums rose 22% to 211 million UAH.
Total payouts in 2025 grew 41%, approaching 2 billion UAH. CASCO payouts reached 1.26 billion UAH (+34% year-over-year), MTPL payouts reached 298 million UAH (+78%), and health insurance payouts reached 241 million UAH (+39%).
We made over 16,000 CASCO payouts and over 8,000 MTPL payouts. Clients remain satisfied with our claims quality, reflected in a high NPS of 90 points and an 86% retention rate across all insurance lines.
In 2025, Arsenal Insurance made several major war-risk payouts — including for damage to a solar power plant and several business centers. These payouts totaled over 26 million UAH.
For the year, Arsenal Insurance's net profit reached 354 million UAH — nearly three times higher than in 2024.
In September 2025, we became a full member of MTIBU, allowing us to begin selling international Green Card motor insurance policies.
Over the course of the year, we renovated our corporate offices in Kyiv, Odesa, Kharkiv, Chernivtsi, Rivne, Lutsk, and Kropyvnytskyi. Arsenal Insurance now operates offices in 29 cities across Ukraine.
"Over 20 years, we've reached many milestones, and CASCO leadership is the most important one. But our ambitions go beyond profits and rankings. Our goal now is to become a lovemark in insurance. For us, 20 years is just the beginning," says Serhii Avdieiev, majority shareholder and CEO of Arsenal Insurance.
