Overview

• Addactis projects 2026 hikes of 7.5% to 8% for multirisque habitation policies and 5% to 5.5% for auto coverage.
• Facts & Figures forecasts roughly 4% to 6% increases for auto and around 5% for home, while Assurland expects 4% to 5% for auto and 6% to 7% for home.
• Studies cite more frequent and costly weather events, including severe hail in May and June, as well as higher construction costs and tighter building standards.
• Auto claims are driven higher by vehicle electronics and batteries plus pricier specialist repairs for hybrids and newer models.
• The projected rises are smaller than 2025’s spikes of up to 10% on some home contracts as households shift to lower-coverage or low-cost products and insurers test cost controls such as Crédit Mutuel’s loaner-vehicle program.