Almost a third of the insured in France prefers not to declare a claim for fear of paying more. This is revealed by an investigation* of the Leocare neo-insuror, which shows that this practice can be a very bad calculation. Even in the high cost period that does not save insurance, with up to +12% for the home and +6% for the car.
To the question “Have you ever stopped declaring a claim for your insurance for fear of an increase in your cousin?”, 10% of respondents replied “yes, several times” and 20% “yes, once.”
Affirmations not left to maintain their bonus
Among the most common cases, 46% of drivers say they do not inform an impact of the gravel on the windshield, 53% damage in a mirror, 55% minor vandalism (bent antenna, outburst or damaged plate) and 59% a hung with a side shirt.
The same for home insurance, with 49% they say they do not declare rain infiltration and 58% of a broken domestic apparatus.
This is clearly the consequences of the prima of sure that dissuade some to declare these claims: “66 % of the insured would more frequently declared their damage if the price of insurance did not depend on the amount of claims, including 26 % without hesitation,” said Leocare’s press release.
But the survey shows that there are other brakes, with 65% that fear painful administrative procedures or 50% of treatment times too long.
Of a loss less than an important problem
However, not declaring a disaster can have great consequences, alert Christophe giving, co -Funder of Leocare, cited in the press release:
“An unaccompanied minor disaster can quickly become an important problem and represent a risk for the insured. Ultimately, these higher costs also weigh on insurance, which affect them in all contracts. Not declaring, it is a short -term calculation that penalizes both the individual and the mutual insurance model in France.”
Much less common fraud
The positive point of the study, fraud is still less tempting for the insured, with 89% of the French who say they have never tried to deceive their insurer.
“Fraud remains a minority practice because it is risky for the insured. It incurs the termination of its contract or even legal and financial prosecution. The crime will be recorded in a national archive that limits its access to affordable insurance,” Leocare recalls.
The most common practices: 8% of insured people recognize having provided false invoices and 10% admit having taken insurance after a disaster. The exaggeration of the damage caused is also: 11 % of the insured acknowledges that they overestimate the damage to increase compensation, a figure that rises to 20 % in île-de-France.
*Methodology: Study conducted on March 17, 2025 by Poll & Roll in a panel of 1,000 people representative of the French population
Source: BFM TV
