What did the Verivox survey say about 2025 motor premiums?

The Verivox survey found most German drivers faced higher premiums for 2025. Comprehensive policies rose the most, while liability increases were smaller. Some customers saw hidden increases through higher deductibles or reduced benefits. The takeaway is clear: check renewal letters line by line and compare offers before accepting a higher price.

Why are German auto insurance costs still rising?

Higher parts prices, longer repair times, and more complex vehicles keep claims costs elevated. ADAS calibration, electronics, and glass repairs add expense. Weather events can also push losses up. These pressures require higher rates to stay profitable, so motor insurance premiums moved up again according to the latest consumer survey.

How does this trend affect GDV profitability in 2025?

Persistent pricing strength supports the GDV profitability recovery signaled for 2025. If claim frequency stays stable and severity stops rising, motor combined ratios should improve. Investors should track reported rate change, loss trends, and weather impacts in upcoming updates to judge whether better margins can translate into stronger cash returns.

What can I do if my premium rises without any claim?

Ask your insurer for a breakdown of changes, including deductibles and coverage limits. Compare quotes from several providers, considering workshop networks and extras. Check for telematics or low-mileage discounts. Adjust the deductible only if savings are meaningful and affordable. Switching can be worthwhile if benefits remain comparable.

Global Market Insights

Verivox Survey: German Auto Insurance Hikes Persist – February 16

ByHuzaifa Zahoor February 16, 2026February 16, 2026

A fresh Verivox survey on February 16 finds German auto insurance prices climbed again in 2025, with comprehensive policies rising the most and some hidden increases reported. Higher parts and repair costs kept pressure on motor insurance premiums, while steady pricing supports GDV profitability recovery through 2025. For investors, this confirms firmer non-life margins. For drivers, it means checking cover details and shopping for value. We break down the data, the drivers, and the implications in clear steps.