New rate increases will come to insurance in 2023

It is a Assurland comparator study which went a little unnoticed as it was released just before the World Cup final. According to her, the prices are on all contracts increase : + 3 to 3.5% in home insurance, + 3% in car insurance and + 3% in health insurance.

However, the insurance companies had been received in Bercy by Bruno Le Maire. At the time, the agreement was as follows: either you save the purchasing power of the French, or the government introduces a tax on super profits. The insurance companies had promised not to exceed inflation. Inflation is at 6.2% and it will be at 7% next year, which still leaves a small margin. A 3% increase almost never happened in 10 years, rather we fluctuated between 1.5 and 2% increase. In 2023 we will therefore be below inflation, but it was not difficult. On the other hand, we are ahead one of the worst years of recovery of recent times.

The insurance world has been hit hard by all the crises we are currently experiencing. The war in Ukraine, for example, increases the price of car repairs, the cost of raw materials and causes shortages of semiconductors. There are fewer accidents, but they cost more to repair. that the average price of car insurance has thus fallen from 611 to 630 euros over a year. It is thus estimated that 800,000 drivers drive without insurance, the majority of whom are young drivers. It must be said that prices have increased by 18% over a year for 18/25 year olds.

Increase in home insurance and health insurance

that global warming is one of the main reasons for the increase in the price ofHome insurance. It costs 5 billion last year to insurance companies against 3.5 billion on average over the last 5 years, and between 2 and 3 billion for the drought this summer. The climate is the biggest danger to the insurance world. Between 1989 and 2019, it is estimated that climate damage had cost 74 billion euros. Over the next 30 years, this amount will double.

Likewise ishealth insurance will rise. Since the establishment of the zero tax holiday for optics, teeth and hearing, there has been a significant increase in insurance rates. Add to that the aging of the population, which requires more and more care and medical expenses.

The observation is therefore simple: We are paying more and more for our insurance, and the phenomenon is not about to stop. Regardless of what the insurance companies promise to the Minister of Finance.

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