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After already notable increases in 2024, insurance premiums will continue to rise in 2025. This observation remains the same, as noted by our colleagues at MoneyVox, for automobiles, housing, and even mutual health insurance.
Next year, contributions will rise and jump up to four points. These increases are not surprising. They are logical and arise from the economic crisis. But surprising or not, they weigh on household budgets. How, then, to deal with it?
Insurance: why are prices increasing?
Car insurance, compulsory for all drivers, will increase by 4% to 6%. One of the explanations concerning the increase in the CatNat surcharge. The latter finances natural disasters and will increase from 6% to 9%. This increase can be explained by the increase in extreme weather events.
In addition, inflation in the auto repair sector plays an important role. Moreover, the increasing sophistication of vehicles, particularly electric models, further increases the cost in the event of a disaster. In terms of figures, the average annual premium for car insurance should increase, according to projections, from 503 to 533 euros (+ 30 euros) for a third-party formula, and from 782 to 828 euros (+ 46 euros) for coverage. all risks.
To have
Car, health and home insurance: 4 simple ways to pay less and save money
When it comes to home insurance, forecasts for 2025 predict an increase of 8% to 12%. The cause is the frequency of climatic disasters (such as floods), but also the increase in the costs of construction materials. Insurance is essential to live peacefully, and sometimes obligatory. SO, for the French, it is a bigger hole in the budget that awaits them.
How to limit the impact of increases on your budget?
With these upcoming increases, it becomes crucial to analyze your insurance contracts in detail. MoneyVox experts highlight several strategies to limit breakage. For them, it is essential to re-examine the guarantees offered by insurance companies.
Once we validate a contract, we tend not to go back. We then pay every month with the certainty of having insurance in the event of a problem. But some coverages may no longer meet our needs. Removing them therefore saves money by lowering the overall price.
In addition, there is nothing like comparison to make money. Different insurance companies often offer attractive discounts for new customers. So, don’t hesitate to use online comparators to identify the most competitive offers.
If your insurance suits you, you can then begin negotiations with your insurer. This dialogue may allow you to obtain a reduction, especially if you have been a customer for a long time.
To have
Huge increase for these insurances that all French people are obliged to pay
You can control the consequences of these increases
Faced with constantly increasing insurance premiums, Households must increase their vigilance and initiative to contain the impact on their finances. Finding out, comparing and adjusting your guarantees are the essential levers to mitigate these inevitable increases.
Although insurers justify these increases for structural reasons, policyholders retain room for maneuver to reduce their contributions. It’s best to know these strategies, especially if you’re already struggling to make ends meet.
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