Oct 27, 2025
3 min read
Línea Directa Aseguradora (LDA)'s profits rose 46.4% to 59.7 million euros in the first nine months of the year.However, the result is still...
It's still below pre-crisis levels for auto insurance
Linea Directa Aseguradora (LDA) increased its profit by 46.4% to EUR 59.7 million in the first nine months of the year.
As a result, however, the company has reached the outbreak of the world's insurance crisis, which is: in the first no managed for 2021, its results have fallen by 32%, reducing it to 58.3 million.
Now, in the first nine months of 2025, Línea Directa has generated a profit of 51 million from its insurance activities, which represents a year-on-year growth of 55.4%.The return on investment is 32 million, an increase of 18.9%.
The company stressed that it earned $15.9 million, up 3.7%, in the third quarter.
Línea Directa's total ratio (weight of claims and prepaid costs) increased by two percentage points, reducing it to 93.4%.
In the automotive sector, it is 93.4%, which represents a decrease of 2.1 percentage points.However, during the quarter, it stood at 96.2% due to the "peak claims" recorded during the quarter.
At home, the indicator in the third quarter rose from 89.8 percent to 88.2 percent, which was 87 percent.
Health, it is keesegal at 131%, although it is reduced by 9.5 points compared to the nine months of 2024.
The number of customers that the company managed to recover and even from September last year was 3.65 million (3.44 million in the same month of 2022). In terms of car insurance, the number is now 2.28 million, compared to 2.59 million in 2022.
Accordingly, the company exceeded the set goal - to increase the social policy by 200,000 in 2025.
The car insurance crisis caused Línea Directa to implement corrective measures, as did most of the companies affected by this situation.Price increases and the tightening of contract terms were the two main things that led to the reduction of LDA's client portfolio.
The total premiums issued between January and September were 843.8 million, which registered an increase of 11.4% compared to the premiums recorded in the same period of 2024. The income from the insurance activity, an accounting quantity created with IFRS rules, grew by 7.8% and reached 794.1 million euros.
"The first nine months in our company are characterized by a very tough increase in profits and high profitability. The result is, on the one hand, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dira, strong growth, "said Lineea Dira, strong growth," said Lineea Dista, high profitability with a press conference the Monday the Monday.
The CEO stressed that progress had been achieved through "remarkable levels of efficiency and cost discipline", while financial results improved thanks to the performance of the fixed income portfolio.
Business lines
In total, LÍNEA Directa registered a growth in the nine months of the year of 11.8% in the automobile line, up to 65.6 million homes;And I have a health that stood at 30.5 million, 13.9% more.
The total number of insured persons at the end of September was 3.65 million, an increase of 8.1%, of which the majority were car policy holders (2.68 million, an increase of 7.9%).
While the number of people insured at home increased by 5.1 percent to 769 thousand, with a growth of 0.7 percent, there were 118 thousand people insured in healthcare.
The rest of the products, which include mobility insurance, intrusion protection, pet and business risk insurance, among others, continued to gain weight.These policies contributed more than 3 million euros of premiums issued in the first nine months of the year (+121.2%) and reached 85,000 policies (+93%).
“Línea Directa continues to advance the strategic priorities we have set for 2025, which are nothing short of growth (...) and increased efficiency,” Ayuela emphasized.
Senior executives of the insurance group emphasized thatIncreased customers and revenue are due to increased commercial capacity.Customer engagement with the brandand portfolio loyalty
"I believe in a straightforward future
