insurance, fuel, tolls… all will increase in 2023

Insurance, fuel, tolls: motorists will have to deal with a lot of price increases next year.

The new year will once again bring its share of various and varied increases for French motorists. This is the first of all insurance to increase. According to a study by the comparator Assurland, we can expect an increase of 3% with an average contract of 630 euros at the end of 2022, against 611 euros at the beginning of the year.

Large variation in premium by age

“The costs of spare parts (+10%) and repairs (+3.5%) have increased in recent months. France has also been hit hard by climate disasters this summer. The number of vehicles damaged between June 18 and July 4 amounted to 337,000 and represented a value of more than 1 billion euros,” Assurland said in a statement.

Young drivers also appear to be the most affected by this inflation with an expected increase of 18% for 18-25 year olds.

“The less experienced, the more likely they will be involved in an accident. Therefore, insurers apply an additional premium of 100% in the first year, which explains the particularly high cost of their insurance”, said Assurland.

“25% of 18-25 year olds declared between 1 and 5 claims in the last 3 years. This is 7 points more than 56-65 year olds”, the press release continues to justify the significant difference this, with a premium on average at 1255 euros for the first category and 450 euros for the second.

The study records a significant difference between the premium paid in Brittany, 491 euros, which has one of the lowest cost of loss, and Ile-de-France, 745 euros on average.

Solutions to lower your premium include: changing the coverage plan. 55% of drivers are currently at all risk, down 3 points from 2021.

“Despite its certainty, all-risk cover is not always appropriate, especially if the vehicle is now ten years old and the driver is experienced. An intermediate formula, such as civil liability plus cover for glass breakage, theft and fire, offers extensive protection while being more economically attractive”, recommends Assurland, with an average premium of 667 euros in all risks, against 598 euros for improved civil liability formula.

Cheaper electricity insurance

Another lesson: a lower cost for electric vehicles, at 562 euros against 647 euros for a model running on diesel.

In particular, Assurland mentioned the elimination of TSCA (special tax on insurance agreements) for electric vehicles purchased between 2021 and 2023 and insurers offering additional commercial offers for this type of car.

It all depends of course on the size and scope of the vehicle. “Tesla, which are high-end cars, are among the most expensive to insure: 915 euros on average. A cost that however fell by 11% in two years”, underlines Assurland.

Among the cheapest brands to insure are Asian brands, as seen in the comparison chart below.

Tolls: +4.75% on February 1

Toll rates for major motorway networks will increase by 4.75% on average on February 1, 2023, after +2% this year and +0.44% in 2021, the Ministry of Transport announced at the end of last week .

The expected increase because this increase is set according to a calculation that takes into account at least 70% of inflation (excluding tobacco) in the twelve months to October, and possible increases depending on the work planned by others different concessionaires.

However, renovations are planned. The discount granted from the beginning of 2019 to motorists who make at least ten round trips per month on the same route will increase from 30 to 40%. In addition, electric vehicles will benefit from a 5% discount for one year, on all their journeys, on the Sanef/SAPN and APRR/AREA networks, again from February 1.

Fuels: what surge in 2023?

Another expected increase: the price of gasoline. From January 1, the government discount, reduced from 30 to 10 cents on November 16, must disappear, as does TotalEnergies, simultaneously reduced from 20 to 10 cents in its network stations.

These discounts and the current price of oil mean that prices are currently at a relatively low level – about thirty cents lower -, far from the peaks recorded at the end of June with diesel averaging 2.13 euros per liter in France. , and a peak for gasoline at 2.096 euros per liter.

The main concern at the moment is about diesel, with a strict embargo on all Russian petroleum products, including refined products such as diesel, from February 5, 2023.

To offset the end of rebates, the government should offer a support system for big rollers, but remains unable to provide details on this long-awaited assistance unless it is in place. The Budget Minister, Gabriel Attal, only clarified on Monday on BFMTV that the income conditions will target the lowest households and the middle classes, a priori below the median income today around 2000 euros .

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