For the time being only the Maif is below 3

The years to follow and look for their insureds and insurers.... Comprehensive housing (HRM), "the cycle of growth continues at a steady pace", notes the comparator Assurland. His last index monthly Ipap, published last week, reported a 4.3 increase of prices in November on an annual basis. And the insurers change their tariffs in January gave the tone.

AXA France will increase its own an average of 7 index including lbf (3.7 currently), as the announcement to the "Echos" Jacques de Peretti, Associate Executive Director. The average increase will be of 7 and 8 in Aviva France and the same order in MMA ( 4 excluding index lbf). The MAAF believes that it will be "at the bottom of the market, with a une augmentation increase in average 3 over the effect of the Insee, or 4.4 in the total index". For the time being, only the Maif is below ( 3.5).

The insurers have prepared the ground for long months already, explaining the need to deal with the repetition of extreme climate events (storm Xynthia and floods of Var). Last year, after the storm Klaus and Quinten, the benefits paid in HRM had already swollen 35. "It was thought that it would be exceptional, but still increased by 1 in 2010," said Jacques de Peretti, who is also Chairman of the Committee of insurance of property and responsibility of the FFSA. In this context, the technical results of the profession are more than ever in Bern: "com ratio combination in HRM sinister and fresh reported premiums, Editor's note should be about 111 this year, as in 2009, prevents Jacques de Peretti.". If we know in 2011 a bad third year in a row, these increases will be not sufficient to return the market to balance technique.

For some observers or insurers, HRM market remains still too widely sous-tarifé and should apply increases to two digits for the bar. "We are faces structural evolution of loss experience." "Our prices but also our tariff structures and our underwriting rules no longer correspond to the reality risks", considers and Claude Zaouati, product manager health in Aviva France, which points the recurrence of weather events, an aging housing stock and more frequent fire and damage.

Benefits on the rise

In auto insurance rates will also be on the rise, but it's more of a "necessary adjustment", according to Claude Zaouati. Last year saw a "reversal of unpredictable and violent trend, linked to an increase in the frequency", said Jacques de Peretti. "There also, one might have thought that the year 2009 would remain isolated." "But the amount of compensation has continued to increase in 2010 ( 2) with a new frequency 1 increase", he said.

If some insurers could still afford last year not to increase their prices or freeze their average rates, increases not save person this time. According to Claude Zaouati, "the market has need of an average increase of 3 to 4." "Everyone was perhaps gone too far lower prices the past". As the Maif, the MAAF will be an increase in "moderate" 2.5 on average, "which should put us in the low range of the market", says Etienne Couturier, Associate Executive Director. AXA France will raise its prices by 4.5 on average, "which is an increase of 2 euros per month on a premium average of 600 euros", said Jacques de Peretti.

In the end, "the tariff increases in auto insurance or HRM pass without too much difficulty because the insured have been warned." "It is more complicated on health insurance, which is often the first budget of household insurance," says Etienne Couturier.