publication
2026-02-20 10:40
Despite the current ban on the sale of new third party liability insurance policies, Insurance Joint Stock Company DallBogg remains in the center of attention of the supervisory authorities. The Financial Ombudsman reports a significant increase in the number of requests for intervention, while the Bulgarian insurer refutes the allegations, pointing to high solvency and unequal treatment by the market.
The situation around DallBogg: Life and Health AD is becoming more and more complex. On the one hand, the RF and the Polish Financial Supervision Authority point to systemic problems with claims handling, and on the other – the insurer publishes a statement in which it defends its financial position and questions the reliability of publicly provided information.
More complaints about DallBogg to the Financial Ombudsman
According to data from the Financial Ombudsman, in 2025 the number of requests for intervention against DallBogg amounted to 410. Compared to 163 cases recorded in 2024, this means an increase of over 150 percent, and as RF notes, applications are submitted mainly by people who want to use the third party liability insurance of the perpetrator of the accident.
The main reservations concern:
- Delays in conducting liquidation proceedings – 41%.
- Amounts of compensation paid – 37%.
- Claims dismissed – 16%,
- Other reasons, e.g. lack of response to a complaint – 6%.
The spokesman states that in the fourth quarter of 2025, he conducted 44 interventions in the DallBogg case, 23 of which ended positively (over the entire year, the ratio was 86-46).
Statistics show that the situation is slightly better than before the punishment, because more than half of our interventions end positively, which is a positive difference from the general average, where we have approximately 30% of cases concluded positively. The insurer has closed a lot of cases and is also offering settlements on a larger scale, so in these matters we can talk about a change that is beneficial for customers – says Aleksander Daszewski, deputy director of the Insurance and Pensions Market Customer Department at the Office of the Financial Ombudsman.
Delays are still a problem for those affected
The RF office points out that The biggest problem for DallBogg customers remains the delay in compensation proceedings. Although fewer complaints were reported in the second half of 2025 than in the first half, experts say there are areas that need to be changed, e.g. the lack of an address for electronic delivery on the part of Diodea, DallBogg's claims representative, which makes the contract more difficult.
Customers have been reporting problems with calling DallBogg in recent weekswhich only provides a Bulgarian telephone number on the website. Victims are exposed to call costs and have difficulty reporting damage because reports show that most of the time no one answers the phone. The Financial Ombudsman also notes that the insurer's representatives did not find time to meet to discuss the problems and ways of solving them. For violations of regulations in the handling of complaints, DallBogg and its representative received a penalty in the total amount of PLN 1.1 million.
DallBogg writes about unfair competition
DallBogg itself reacted to the information from the Financial Ombudsman's Office. In the submitted position, the insurer expresses serious concern about the way it is presented on the Polish market, claiming that it has become a victim of unfair competition and incomplete information. The company notes that it ranks second among insurers in terms of complaints, emphasizes its solvency and assures its willingness to engage in constructive dialogue and cooperation. The full statement is presented below:
JSC “DallBogg: Life and Health” is and will remain a stable and reliable participant of the Polish insurance market
JSC “DallBogg: Life and Health” SA expresses its serious concern about the increasing negative public suggestions and unreliable claims made against the company on the Polish insurance market. We note with regret the manifestations of unfair competition and the dissemination of incomplete information, which create a distorted image of the company's activities and undermine the principles of a fair market environment in the European Union.
It is noteworthy that some publicly disseminated data do not reflect the full context and create grounds for discriminatory treatment of foreign market participants. According to the official data of the Polish Financial Supervision Authority, the share of complaints about “DallBogg: Life and Health” is 12% of the total number, which places the company in second place. For comparison, the share of complaints against the company with the highest number of complaints is 20-22%.
We observe a disproportionate focus of public attention and criticism on our company. This raises questions about equal treatment of market participants and consistency in the application of public communication standards and regulatory practice. Despite the imposition of an unprecedentedly strict administrative measure blocking the company's activities 10 months ago, compensation payments to policyholders continue. Moreover, at the end of 2025, DallBogg recorded a record level of capitalization – over 177% of the solvency ratio.
We believe that the public dissemination of incomplete or unverified information creates a distorted image among customers and leads to escalation of tensions. Aggressive reactions to cases remaining within the statutory deadlines for consideration are often observed. Motor third-party liability insurance claims settlement processes require the collection and analysis of evidence, medical and technical documentation in strict compliance with procedures specified by law.
We firmly declare our readiness for constructive dialogue, professional cooperation and building a predictable and fair regulatory environment for all market participants. We are convinced that thanks to an expert approach, equality and mutual respect, it is possible to develop lasting solutions – in the interest of the insured and the stability of the insurance market.
Bulgarian insurer still banned
Despite assurances of stability, the formal situation of the Bulgarian insurer has not changed. The ban on concluding new motor third-party liability insurance contracts in Poland by DallBogg, imposed by the Polish Financial Supervision Authority and effective from April 17, 2025, remains in force. If someone has insurance policies issued by this company, they should remember that the document remains valid until the date indicated in it, but it will not be extended automatically, so to avoid a penalty for lack of third party liability insurance, you should conclude a new contract before the end of the previous one.
