Changes in Car Insurance in 2025

Introduction

The car insurance market continues to evolve, and 2025 will once again bring adjustments that will directly affect car owners. Polluting vehicles and electric cars in particular will have to deal with new rules and premiums.

What can you expect?

1. Higher premiums for polluting vehicles: Cars with high CO₂ emissions will become more expensive to insure, in line with environmental policy.

2. Electric Vehicle Benefits: EVs continue to benefit from lower premiums due to their lower risks and environmentally friendly nature.

3. Telematics and smart technology: More and more insurers are offering dynamic premiums based on driving behavior, measured via apps or telematics systems.

Practical Tips

• Consider switching to an electric car to benefit from lower premiums.

• Use an app or telematics device to improve your driving and get a discount.

• Compare insurance policies that are specifically aimed at your vehicle type.

What will change for health insurance in 2025?

Introduction

Health insurance is an essential part of our financial planning, and some big changes are planned for 2025. Consider rising premiums, adjustments to the basic package and a possible higher deductible. What do these changes mean for you?

What can you expect?

1. Higher premiums: The basic premium is expected to increase by 10 to 15 euros per month, mainly due to rising healthcare costs and an aging population.

2. Adjustments to the basic package: New treatments and medications are added, while non-essential care may disappear.

3. Higher deductible: There is talk of an increase in the mandatory deductible, which could particularly affect young people and healthy people.

Practical Tips

• Compare health insurance policies to find the best value for money.

• Consider a higher voluntary deductible if you expect low healthcare costs.

• Check whether additional packages are really necessary.

What will change for insurance in 2025?

Introduction

The insurance landscape is constantly changing, and 2025 will bring a number of important adjustments. Whether it concerns health insurance, car insurance or business insurance, new legislation, technological innovations and changing customer needs have a major impact. In this blog we discuss the most important changes you can expect in 2025 and how you can prepare for them.

Major Changes in 2025

1. Health insurance

   • Higher premiums: Due to rising healthcare costs, such as staff shortages and an aging population, the basic premium is expected to rise again. The average increase is estimated at 10 to 15 euros per month.

   • Adjustments to the basic package: New treatments and medicines will be added to the basic package, while some non-essential care may disappear from the package.

   • Higher deductible: There is talk of an increase in the mandatory deductible. This can especially affect young people and healthy people.

2. Car insurance

   • More expensive premiums for polluting vehicles: Car insurance will be brought in line with environmental policy. This means higher premiums for cars with high CO₂ emissions.

   • Electric vehicles: EVs continue to benefit from lower insurance premiums due to their environmental friendliness and lower claims frequency.

   • Smart technology: More and more insurers are offering dynamic premiums based on driving behavior, measured via telematics devices or smartphone apps.

3. Home insurance

   • Climate damage is becoming more expensive: Due to an increase in storms and floods, premiums for building and contents insurance are rising, especially in risk areas.

   • Green discounts: Homes with sustainable adjustments such as solar panels, water collection systems or green roofs may be eligible for premium discounts.

4. Cyber ​​insurance

   • Growing importance: Cyber ​​insurance is becoming a standard part of the offering, for both private individuals and companies. Due to the increase in cyber attacks, this is seen as necessary protection.

   • Higher premiums: Due to increasing claims, the costs for cyber insurance are rising.

   • Preventive services: Insurers offer more support in the form of monitoring, training and advice.

5. Business insurance

   • Changing coverage: Companies must take into account adjusted policy conditions for liability insurance, especially due to changing regulations around sustainability and data privacy.

   • Flexibility in insurance packages: More and more insurers are offering tailor-made packages to meet the specific needs of entrepreneurs.

Practical Tips for Consumers and Entrepreneurs

1. Compare your insurance regularly: Use comparison sites and request quotes from different insurers to see where you get the best coverage for the lowest price.

2. Use preventive measures: Many insurers reward customers who try to prevent damage, such as smoke detectors, alarm systems or safe driving habits.

3. Keep an eye on new rules: Stay informed about changes in laws and regulations so you're prepared for higher costs or new coverage options.

4. Consider bundle packages: Combine insurance such as car insurance, home insurance and liability insurance with the same insurer to benefit from discounts.

Conclusion

2025 will bring important changes in the insurance world. Whether you are a private individual or an entrepreneur, it pays to read up on the new rules and trends. By proactively comparing and adjusting your insurance policies, you can not only save money but also be better prepared for the future.

The BPM Scheme in 2025: What Changes for Car Owners and Companies?

Introduction

The BPM (Passenger Car and Motorcycle Tax) is a tax that you pay when purchasing a new car or when importing a vehicle. The purpose of this tax is to encourage more environmentally friendly choices by linking its amount to the CO₂ emissions of vehicles. Changes are planned again in 2025. What do these adjustments mean for private individuals, entrepreneurs and lease drivers? In this article we will take you through the most important changes.

What is BPM and Why Is It Changing?

The BPM is calculated based on the CO₂ emissions of a vehicle. The higher the emissions, the more tax you pay. This system is intended to make the purchase of electric and hybrid cars more attractive and to accelerate the transition to more sustainable mobility.

Some important adjustments are expected in 2025:

• Increase in rates for vehicles with high CO₂ emissions. This means that petrol and diesel cars could become significantly more expensive.

• Reduction of benefits for hybrid vehicles. Tax benefits for plug-in hybrids are expected to decrease as the focus increasingly shifts to fully electric vehicles.

• Exemptions for electric vehicles (EVs). EVs are likely to remain BPM exempt, which makes them financially attractive.

What do the Changes mean for Private Individuals?

The changes in 2025 could have major consequences for private individuals who want to buy a new car. Gasoline and diesel vehicles are becoming more expensive, making electric cars relatively more attractive. If you import a second-hand car, the new BPM rates will also play an important role in the cost calculation.

Practical tips for private individuals:

1. Consider an electric car: These remain exempt from BPM and are becoming increasingly affordable due to technological developments and subsidies.

2. Choose a vehicle with low emissions: This can help to minimize BPM costs.

3. Plan your purchase smartly: If you want to buy a petrol or diesel car in 2024, it may be advantageous to do this before the introduction of the new rules.

Consequences for Entrepreneurs and Lease Drivers

For entrepreneurs and companies that work a lot with vehicles, such as in logistics or business leasing, the new BPM rules can have a significant impact on the total costs.

1. Business lease: Electric vehicles remain fiscally attractive, both in terms of BPM and additional tax. Entrepreneurs can benefit from lower operating costs and subsidies.

2. Company cars: Many company cars fall under the BPM rules. Entrepreneurs must take into account higher costs for vehicles with combustion engines.

3. Import of vehicles: Companies that import vehicles, such as in the car trade, must prepare for rising BPM costs for diesel and petrol cars.

Tips for entrepreneurs:

• Invest in an electric fleet: This not only reduces BPM costs, but can also contribute to a sustainable image.

• Research tax benefits: Such as investment deductions and subsidies for sustainable vehicles.

• Keep an eye on the market: Buy or lease vehicles before the BPM increases take effect.

Practical Examples

• Scenario 1: Buying a new petrol car in 2025: A petrol car with emissions of 150 grams of CO₂ per kilometer can cost hundreds of euros more BPM than in 2024. This makes electric alternatives more attractive.

• Scenario 2: Electric car continues to drive: A fully electric car remains exempt from BPM. This significantly reduces the total costs over the life of the vehicle.

Conclusion

The BPM scheme in 2025 is firmly committed to discouraging polluting vehicles and encouraging electric mobility. For private individuals and entrepreneurs, this means that it is smart to look for sustainable alternatives now. By researching your options in a timely manner, you can anticipate higher costs and benefit from tax benefits.