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Barometer: Autoverzekeringen 15 procent duurder

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Autoverzekeringen zijn ten opzichte van een jaar geleden 15 procent duurder geworden. De stijging geldt vooral voor de premies voor WA en WA+. Dat blijkt uit cijfers van prijsvergelijker Pricewise. 

Diverse verzekeraars passen de premies van hun verzekeringen regelmatig aan. Autoverzekeringen worden er meestal niet goedkoper op, zo is de algehele indruk. Pricewise zette de cijfers van de premies naast elkaar. Daaruit blijkt dat de premies stijgen. De periodieke verhogingen vallen meestal wel mee, maar over een langere periode zorgen de aanpassingen door de verschillende verzekeraars voor een structureel hogere premie.

Premies licht gestegen

De premies zijn afgelopen maand maart licht gestegen ten opzichte van een maand eerder, blijkt uit cijfers van Pricewise. Over het geheel stegen de premies met 1,8 procent, berekend op basis van het gewogen gemiddelde. De WA-premie steeg met 5 procent, terwijl die voor allrisk slechts steeg met 0,7 procent. De nieuwgesloten premie voor WA+ daalde zelfs met gemiddeld 1,8 procent. De gemiddelde maandelijkse premiestijgingen zijn meestal relatief klein, maar die kunnen bij een individuele verzekeraar soms fors zijn.

Grotere prijsstijging over een jaar

Meerdere kleine maandelijkse aanpassingen van de premie kunnen echter zorgen voor een flinke prijsstijging over een langere periode. Dat blijkt onder meer uit de cijfers van Pricewise, die de maandcijfers vergeleek met die van een jaar eerder. De WA-premie in maart dit jaar was 15 procent hoger dan in maart 2024. Voor de WA+ was de premie 14 procent hoger en voor de allrisk 10 procent. Over het geheel zijn de premies in een jaar met 14,6 procent toegenomen. Ook over meerdere jaren is een stijgende trend zichtbaar.

Interactieve grafiek autoverzekeringen

Kopieer de code voor de interactieve grafiek hier

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Autoverzekeringen duurder

Stefan de Gooijer, verzekeringsexpert bij Pricewise: “Vergeleken met het definitieve inflatiecijfer van het CBS (3,7 procent) zijn autoverzekeringen in een jaar over de gehele linie duurder geworden en meer dan geïndexeerd. In februari zagen we al een stijging van bijna 21 procent vergeleken met een jaar daarvoor. Over het eerste kwartaal zijn de premies gemiddeld met 12 procent toegenomen ten opzichte van het eerste kwartaal van 2024. Het blijft dus raadzaam om je autoverzekering te vergelijken. In bijna alle gevallen kun je een polis maandelijks opzeggen en snel en gemakkelijk oversluiten.”

Loyale klanten betalen meer

Uit onderzoek van de AFM blijkt dat loyale klanten voor hun autoverzekering soms meer premie betalen dan vergelijkbare nieuwere klanten. Dit komt bij bijna de helft van de verzekeraars voor. Bij de drie soorten autoverzekeringen is bij 19 tot 30 procent van de verzekeraars sprake van hogere winstmarges voor loyale klanten.

Loyale klanten stappen niet of nauwelijks over naar een andere verzekeraar. Ze kunnen hierdoor financieel worden benadeeld, meldt de AFM. “Dit geeft klanten nog meer reden om te checken of ze nog wel de best passende premie en polis voor hun autoverzekering hebben,” aldus De Gooijer.

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Letizia Luijs

Letizia Luijs

PR-manager. Verhalenverteller. Nieuwsjager. Drinkt graag kopjes koffie met journalisten.

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