This general increase, applicable from January 1, 2025, aims to revive a system in deficit since 2015.
It will also increase the surcharge from 12% to 20% for professional insurance contracts, from 6% to 9% that on theft and fire contracts, thus constituting an additional windfall of 1.2 billion euros per year, according to the Ministry of the Economy.
This scheme, which costs on average around 25 euros per year per household, will pass “at 41 euros” according to calculations by Franck Levallois, general manager of France Assureur, for whom this increase “will restore balance”the device.
An increase requested for several months
The increase in premiums had been requested by professionals for several months. Faced with the increase in the frequency of storms, droughts and other floods due to climate change, the natural disaster regime has been in deficit since 2015.
By granting an increase to 20% on the majority of contracts in 2025, Bercy is roughly aligned with the recommendations of France Assureurs and the Caisse centrale de réassurance (CCR) which respectively advocated 18% and 19% from 2024, the CCR in anticipation of an increase to 22% in the future.
“We have been raising this point for a long time”notes Antoine Quentin, director of reinsurance and public funds at the CCR, who considers this news “as a good thing to perpetuate the regime”.
