More arbitrations for insurance refusals in 2025

In total, the BCT issued 881 decisions last year, 11% more than in 2024, according to its annual report published Wednesday.

The number of decisions made in car insurance, which has been growing steadily since 2019, saw a 10% increase last year, reaching 449.

They mainly concern individuals, whose insurer has, for example, terminated their contract due to too many accidents or offences related to alcohol and drugs.

Created in 1958, the central pricing office is a joint body comprising representatives of insurance companies and representatives of the insured.

From its inception, its objective was to enforce the obligation of motor vehicle liability insurance.

The BCT (Bureau Central de Tarification) must be contacted after an insurer refuses coverage. It is then up to the BCT to review the case and set a rate that the insurer must comply with.

The number of home insurance applications, the other major category of cases today, but which the BCT has only been processing since 2017, is also up by almost 30% in 2025, to 252 decisions.

"For the most part, they are linked to cases involving very deteriorated co-ownerships, a significant portion of which are subject to safety orders with a ban on occupancy," the BCT specifies in its report.

The BCT finally reports a first: it has for the first time been contacted by a municipality under its powers regarding coverage for natural disasters.

"In view of the characteristics of the case, five insurers have thus been designated to cover the risk within the framework of a co-insurance," the BCT specifies.