Overview

• At the industry meeting in Baden-Baden, Hannover Rück’s Thorsten Steinmann said motor insurers are on track to regain profitability in 2025 but still require "further targeted" price rises.
• Claim costs continue to rise faster than inflation because repairs and parts are getting more expensive plus liability cases face higher treatment and care expenses.
• GDV figures show replacement-part prices have climbed more than 80% since 2015 versus roughly 30% for consumer prices after nearly €5 billion in sector losses over the past two years.
• E+S Rück estimates a 2025 underwriting profit of about €1.4 billion with a combined ratio around 96–97%, aided by comparatively low weather-related losses.
• For 2026, E+S Rück’s Stefan Schmuttermair expects average premium increases of roughly 8% to 10%, with larger rises likely in comprehensive coverage than in liability.