The additional premium which finances the natural disaster regime of French insurers will be increased from January 1, 2025, from 12% to 20% for homes, according to a decree published Thursday in the Official Journal.
This general increase, applicable from January 1, 2025, aims to refloat 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, thus constituting an additional windfall of 1.2 billion euros per year, according to the Minister of the Economy.
This diet, which costs on average around 25 euros per year per household, will increase to 41 euros according to the calculations of Franck Levallois, general director of France Assureur, for whom this increase will restore balance to the system. 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 a 20% increase on the majority of contracts in 2025, Bercy is roughly aligning itself with the recommendations of France Assureurs and the Caisse centrale de reassurance (CCR) which respectively recommended 18% and 19% from 2024, the CCR in forecast of a 22% increase in the future.
This point has been raised for a long time, notes Antoine Quentin, director of reassurance and public funds at the CCR, who considers this news a good thing for perpetuating the regime.
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A second ruling provides for an increase of 60 cents, from July 1, 2024, in the annual contribution for property insurance contracts (auto, home, professional) to the Guarantee Fund for victims of acts of terrorism and other offenses (FGTI).
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