Overview

• The consultancy Facts & Figures projects average increases of roughly 3% to 6% next year, with home multirisk policies up about 5%, auto up 4% to 5%, and complementary health up 2.5% to 3.5%.
• Risk firm Addactis forecasts steeper rises, estimating home multirisk premiums will climb 7.5% to 8% and auto 5% to 5.5%, with average annual premiums at €325 before tax for home and €563 before tax for auto.
• Analysts attribute the pressure on home insurance to more frequent and severe storms, floods and hail, alongside higher construction and renovation costs and tighter building standards.
• Auto premiums are lifted by pricier parts, more accidents, and the growing complexity of vehicles, including battery costs and the need for specialized repair skills for hybrids.
• Projected increases exceed the 0.9% annual inflation rate reported by INSEE, raising affordability concerns as some households downgrade coverage or forgo complementary health plans.