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In 2024, the French noted the upward trend in the price of insurance. In 2025, this evolution will continue to take the same path. It will therefore cost more for citizens to insure their car, their home or to take out mutual health insurance.
Contributions could actually increase by up to four additional points, a development which, although predictableweighs heavily on household budgets. This increase is a direct reflection of the economic situation, but how can we deal with it in practice? Is there a way to limit its effects on the wallet?
Insurance: why these increases?
Mandatory for all drivers, car insurance will see its prices increase from 4% to 6%. Several factors explain this surge, starting with the CatNat surcharge. This contribution aims to cover natural disasters. Gold, it will increase from 6% to 9%. This increase is logical due to the increase in extreme weather events.
On the figures side, the average annual premium for car insurance should increase frome €503 to €533 (+€30) for a third party formula. Remember that this is the minimum that motorists must take. For all-risk coverage, you will need to pay €46 more per year (€782 to €828).
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Home insurance, for its part, will experience an even greater increase, with an estimate of 8% and 12%. The reason for this is the frequency of climatic disasters, such as floods; and the increase in prices of construction materials, which increases the cost of compensation.
How to mitigate the impact on your budget?
Faced with these increases, it becomes crucial to adopt strategies to reduce insurance expenses. The French cannot get rid of it. These are important and essential contracts. But they can still take a closer look at them.
So, we recommend to start by sorting out the guarantees that are yours with your insurance. Indeed, some warranties may become useless over time. Examining your contracts allows you to remove these unnecessary options and reduce the overall cost of your insurance.
In addition, insurance companies compete with promotional offers to attract new customers. Using online comparison sites can help you find the most competitive rates. IF you find cheaper, then do not hesitate to initiate a dialogue with your insurer. Loyal customers can sometimes get discounts or favorable adjustments. You may have to negotiate for this.
Solutions within your reach
Certainly, these increases seem inevitable. Insurance prices will increase further. But households retain levers to limit the financial impact. Inform yourself, adapt your guarantees to your real needs and explore alternative offers. It is only by having the right reflexes that you can protect your bank account.
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Indeed, these adjustments can make a real difference, especially in a context where every euro counts. More than ever, taking control of your insurance management will be essential in 2025.
We are therefore counting on your organization to get you through this and to start the year of the best way possible. It is possible to continue to have insurance without breaking the bank, the proof.
