The experts are clear: the prices of home, auto and health insurance will increase sharply from the start of 2025. Monitor updates to your contributions to prepare your budget.
Bad news for your wallet! Did you think inflation had finally calmed down? That your finances were going to be able to blow? Think again! From January 1, 2025, insuring your car or your home, or simply taking care of your health with insurance will cost you much more. Indeed, according to the Addactis and Facts & Figures firms, car, home and health insurance premiums are expected to rise between 6 and 12%. Several factors are to blame.
The biggest increase is expected to be in home insurance, which is expected to rise 10 to 12 percent. This is partly due to soaring costs in the construction sector, but also to the change in January 2025 in the contribution rate linked to natural disasters that each insured person pays, which will increase from 12 to 20%. You will feel this one passing!
As for health insurance, you should fear increases of 6 to 8%, depending on whether they are individual supplementary health insurance or group contracts, partly financed by employers. Among the explanatory factors, we find the aging of the population, which will lead to greater consumption of care, the increase in the annual Social Security ceiling (PASS) which serves as an index for numerous reimbursements, and the revaluation of consultation prices.
In fact, theThe general practitioner’s consultation will increase from €26.50 to €30 in December, while that of the psychiatrist will increase from €51.70 to €55 in December, then to €57 in July 2025. Same thing for gynecologists, dermatologists and geriatricians. And that’s without taking into account the deterioration of mental health, air pollution, vaccine reluctance and the acceleration in the prevalence of chronic diseases which also call for more care.
Finally, car insurance prices are also expected to increase by an average of 6%. Blame it on the explosion in the cost of repairs, despite the liberalization of the spare parts market which has already suffered a price increase of +8% in one year. The transition to electric and hybrid vehicles, which now represent 6% of the fleet, does not help matters, since repairing an electric car costs on average 21% more than a gasoline model.
These increases are unfortunately impossible to avoid, but there are some tips to limit damage. Also, we advise you to compare offers regularly, because insurance is a very competitive market, and you can benefit from it. Don’t hesitate to negotiate with your insurer, especially if you are a loyal customer! Also remember to regularly reassess your guarantees to remove from your contracts those which have become useless. Finally, you can try to consolidate your contracts with a single insurer in order to negotiate reductions on your premiums.