The Spanish insurance sector is ending 2025 in better shape: profitable, well-capitalised and back to growth after a temporary 2024 slowdown. This report shows how the Spanish insurance sector is combining cyclical recovery with deep digital, regulatory and climate-related change.
Non-life premiums are expanding strongly while life business rebounds, keeping the Spanish insurance sector’s weight in GDP high and solvency ratios comfortably above Solvency II requirements. Profitability is supported by a sub-100% combined ratio, high-quality fixed-income portfolios and rising returns on equity, even as catastrophe losses and inflation put pressure on claims.
Around eight in ten insurers now use AI across underwriting, pricing and claims, while new cyber rules (NIS2, DORA, EU AI Act) push the Spanish insurance sector to strengthen resilience and governance. At the same time, climate risk, a growing cyber insurance exposure and a persistent trust gap with households mean the Spanish insurance sector must defend margins while rebuilding perceived value. This report will show how IT plays a vital role in the insurance sector’s transformation.
Recommended advisory: PAC Leadership Session – Financial Services Industry – AI Adoption
SHARE :
The Digital Product Passport (DPP) will reshape product compliance and customer services. Start by checking your existing systems. Find out which ...
Event Date : February 24, 2026
This vendor profile gives a comprehensive overview of the Worldwide positioning, performance and strategy of Arvato.
Event Date : March 14, 2025
Emerson/AspenTech: Driving Industrial AI and the Modern Industrial Data Platform. AspenTech, now part of Emerson, positions industrial software and ...
Event Date : January 09, 2026
This document provides market volumes, growth rates and forecasts for the SAP services market for the 2024-2030 period.
Event Date : January 23, 2026
This Excel document is part of the company profiles PAC publishes every year at local, regional and worldwide level;
Event Date : June 20, 2025
AI (Artificial Intelligence) by Segments - Market Figures - MEA by countries
Datamart August 21, 2026 NEW 
AI (Artificial Intelligence) by Segments - Market Figures - MEA consolidation
Datamart August 21, 2026 NEW
AI (Artificial Intelligence) by Segments - Market Figures - EMEA by countries
Datamart August 21, 2026 NEW
AI (Artificial Intelligence) by Segments - Market Figures - EMEA consolidation
Datamart August 21, 2026 NEW
AI (Artificial Intelligence) by Segments - Market Figures - Eastern Europe by countries
Datamart August 21, 2026 NEW
Atos: Cause for Optimism, Despite the Headlines
Blog Post February 05, 2024
Europe in Search of its Digital Sovereignty
Blog Post August 21, 2026
PAC RADAR: Digital Platforms & Service Providers for Industrial
Press Releases July 27, 2026
Farnborough Airshow 2026 and the increasing relevance of AI in manufacturing, aerospace and defence
Blog Post July 27, 2026
Beyond the Patch Cycle: How Third-Party Exposure and AI Are Reshaping Ransomware in Europe
Blog Post July 17, 2026
Adobe Summit London 2026 Takeaway
Blog Post July 15, 2026
