According to data from the professional association SRA, the prices of car repairs are higher in the departments where acts of vandalism are the most numerous. The Bouches-du-Rhne dominate this ranking. In the end, it is the insurers who pay the pots.
It is not good to insure your car Marseille. The department of Bouches-du-Rhne and its flagship city occupy the head of a low ranking. The 13th and its capital arrive at the top of the acts of vandalism and the cost of subsequent repairs these.
According to data from a study carried out by the organization SRA (Security and Automobile Repair), based on insurance claim declarations, intentional malicious acts are four times more numerous there than in the rest of the country on average. And the price of repairs is even twice as high as the average, according to this study consulted by MoneyVox.
| Department | Frequency |
|---|---|
| Bouches-du-Rhne (13) | 4.08% |
| Paris (75) | 2.63% |
| Seine-Saint-Denis (93) | 2.35% |
| Pyrenees-Orientales (66) | 2.20% |
| Sarthe (72) | 2.03% |
| Hauts-de-Seine (92) | 1.98% |
| Rhone (69) | 1.98% |
| Val d’Oise (95) | 1.89% |
| Val-de-Marne (94) | 1.88% |
| Marne (51) | 1.74% |
| French average | 1.15% |
Source: SRA – MoneyVox document
Three departments particularly targeted
In the top 5 of these two categories (frequency of vandalism claims and cost of repairs), three departments – Bouches-du-Rhne, Pyrnes-Orientales, Seine-Saint-Denis – are cited twice. The two Corsican departments are also in high places. The most urbanized areas, where crime is the strongest, are logically at the top of the ranking, analyze the experts who give the same arguments to explain the differences between home insurance contracts.
Beyond this top three, we find Sarthe in the top 5 departments where acts of vandalism are the most numerous. An unexpected presence that no expert contacted by MoneyVox could explain.
| Departments | Repair cost index – Base 100 |
|---|---|
| Bouches-du-Rhne (13) | 205.17 |
| Corsica (20) | 193.10 |
| Val d’Oise (95) | 177.27 |
| Pyrenees-Orientales (66) | 149.32 |
| Seine-Saint-Denis (93) | 147.38 |
| Alpes-Maritimes (06) | 144.99 |
| Arche (07) | 137.63 |
| Loire (42) | 124.85 |
| Var (83) | 121.81 |
| Rhone (69) | 120.71 |
Source: SRA – MoneyVox document
But these data therefore hide another secret revealed by the Alfa agency. Acronym of the Agency for the Fight against Insurance Fraud, the association that helps insurers fight against organized crime. If insurers members of Alfa seek us on cases of vandalism mainly in these departments there, it is because the average costs are higher there and they have doubts, explains MoneyVox Maxence Bizien, president of Alfa.
Numbers that indicate fraud
These data support our findings in terms of fraud, analyzes the expert. We are working on certain garages or networks of garages to better understand how they work. We have, for example, noticed that they communicate on social networks to recruit customers. Garages have also specialized in repairing vandalism. And who would apply repair prices much higher than the average.
More claims, repairs whose cost is sometimes considered abnormally high… the cocktail is dramatic for individuals who see their car insurance premium explode. Because insurers defend themselves: they are forced by law to fill the coffers in advance, to prevent claims.
In 2023 alone, the price of the car insurance premium rose by an average of 2.5% 5% with an average price of 630 euros per year according to the comparator Assurland.com. For what? Among other things, the rising price of spare parts (+10% over one year and more than 3% on average since 2012 according to SRA) and… car repairs (+3.5% over one year).
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And that’s just the start. According to the Barometer of car repair prices in France from idGarages online comparatorgarage prices have jumped 11.5% since January 2023.
More expensive contributions in Ile-de-France and in the South
Waiting for, the cost of your car insurance varies greatly from one region to another. According to a study by the broker Meilleurtaux, these price disparities can reach 44% for an identical profile. The regions, Corsica, Provence-Alpes-Cte d’Azur and Ile-de-France are the regulars on the podium. For the latter two, the concentration of vehicles there is greater than that of the rest of France. The denser traffic and the supply of parking mainly concentrated on public roads are an additional source of claims, analyzes Samuel Bansard, spokesperson for Meilleurtaux Assurances.
According to Assurland, it is in Brittany, where vandalism is not very present, that the average annual car insurance contract costs the least expensive: 491 euros in 2022. In contrast, Ile-de-France and the PACA region show an average annual rate of 745 euros and 698 euros.
End to end, the data in our tables and the average amounts of contributions say the same thing. The bill is heaviest where there are the most indemnified claims.