two tariff measures in favor of young unemployed people

How do you help households cope with inflation? The question had already been put to the insurance companies at the end of June by Economy Minister Bruno Le Maire. The profession was then asked to think about proposals… Three months later, an “anti-inflation package” was finally presented to the media on Tuesday 20 September after a meeting arranged between the two parties in Bercy.

This mainly takes the form of two initiatives aimed at young jobseekers. On the one hand, the insurance companies have committed to giving them a 100 euro reduction on their annual car insurance (once only). And on the other hand, to allow them, at no extra cost, to benefit from their parents’ health insurance contract, whether it is a complementary or a mutual one.

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The discount on car insurance must apply to young people up to the age of 25 and extension of the health contract up to the age of 28, specified in World the trade union France Assureurs, which believes that the “auto” measure may affect “more than 500,000 young people”. No figure has been provided for the costs of the two measures for insurance companies.

Under inflation

“Car insurance costs on average 900 to 1,000 euros per year for a young person who takes out his own contract if he is the main driver”remembers Olivier Moustacakis, co-founder of the online insurance comparator, who nevertheless points out that “if the young person is an occasional driver, he has every possible interest in being declared as a co-driver on the parents’ contract”. In terms of health insurance, he adds, it costs, on average, “for a young person at 300 euros per year”, but the advantage of taking advantage of the parents’ contracts, generally corporate, is also “take advantage of better coverage”.

If the insurance companies have jointly committed to using at least these two measures, other individual tariff efforts must be communicated in the coming weeks. Some companies have already pulled on Tuesday, such as Axa France, which notably announced a freeze in 2023 of car and home premiums for under-30s with no claims, as well as a €100 discount on contract health for under-25s when they renew. Macif, for its part, has frozen its prices for housing insurance for students.

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The sum of these collective and individual measures should make it possible for individuals “contain the average premium amount [tarifs] insurance below the level of inflation in 2022 and 2023″, Bruno Le Maire welcomed. But be careful, he added, the commitment concerns only one “mean”, policyholders may therefore in certain cases, depending on the risks covered, be exposed to price increases that exceed inflation. This would reach 5.3% in 2022 and 4.2% in 2023, according to the latest forecasts from Bercy.

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