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.