Insurance: pourquoi toutes les cotisations vont augmenter en 2023?


The premiums for auto and health contracts will increase by 3 to 5% compared to 2019. Photo d’illustration. (Jarmoluk/Pixabay)

Tous les contracts d’assurance vont voir leur cost augmenter in 2023, according to les projections du cabinet de conseil Facts & Figures. And the reasons are multiple: natural catastrophes on the rise, prix des pièces detacheds, impact des SUVs, augmentation des expenses de health…

Les primes d’assurance auto, habitation ou encore santé vont augmenter en 2023. C’est la conclusion de l’étude menée par le cabinet de conseil Facts & Figures et dévoilée ce mercredi September 14. The premiums for auto and health contracts will increase by 3 to 5% in relation to 2019, the last year before the health crisis. Some contrats habitations vont même bondir de 8%, reports

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Côté auto insurance, même si les Français ont parcurs less kilometers and l’utilisation de pièces d’occasions reconditionnées s’est accrue, will not prevent l’augmentation des cotisations. The dominance of SUVs, expensive vehicles, occasionne un surcoût dès qu’il ya un accident. This one is encore plus élevé pour peu que le véhicule soit en plus hybride ou électrique, pointe

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. The importance of onboard electronics and associated major labor for font repairs explodes the costs. Mais même sans cela, a rétroviseur gauche costs 7% more than in 2019 and a windshield is 8% more expensive.

Climatic events, augmentation factors

L’augmentation des cotisations is well plus important for les contracts habitation. En cause, les inoondations, les orages, les épisodes de grêles à répétition, et cet été, la sécheresse.

“With a tendency to increase the annual costs of climate events of the order of 1 to 2 billion euros, the sector has no other choice than to increase its tariffs to absorb them”,

estimate Facts and Figures. La hausse moyenne des contrats should reach 3% with a flat-rate revaluation of 10 euros to look at climate risks. Les assurés situés en zone inondables can receive an additional house of 3 to 5 %.

Pour les contrats Santé, vieillissement de la population is the main cause of the increase in contributions. Between the ages of 55 and 65, the premium contracts are revalued by 2% every year, from 75 years, the revaluation reached 3%. L’instauration de la réforme 100 % santé, which allows for the facilitation of access to care and hearing, optiques and dental equipment and also a cost for mutuelles, the opposite of what the government had in mind.

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