Axa, Bâloise, Generali, Helvetia, La Mobilière, Postfinance, Simpego, Sympany and Zurich. All together justify an adjustment of premiums in 2025 for this reason: “Increase in claims costs linked to inflation.” A justification that we are used to hearing for almost every price increase, but which makes Adi Kolecic smile in this case. The Mobilité Comparis expert believes that this reason is not really a reason: “The inflation rate in Switzerland stood at 0.6% in October 2024 compared to the same month last year. It’s a level similar to that of 2021.”
For the expert, “the question therefore arises as to whether insurers are using rising prices as a pretext to raise prices after years of falling premiums.” As for their amounts, only the insurer Simpego claims an average increase of around 5%. For its part, Comparis estimates that premiums could be up to 15% higher in 2025 than this year for insured people without claims. “Customers should not be blinded by general reasons such as inflation and accept premium increases without saying anything,” says Adi Kolecic. The expert points out that long-term developments show that car insurance premiums are significantly lower than their level 20 years ago: “However, it now seems that insurers are beginning to change course.”
Comparis advises policyholders to “look critically at their car insurance contract and, if necessary, consider changing it.” He reminds that insured persons can “terminate their contract after an increase in premiums from insurers and switch to a more advantageous provider, even outside the usual cancellation deadlines.” On the other hand, this is not possible in the case where the increase is due to a disaster.
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