{"id":452951,"date":"2026-10-02T10:42:46","date_gmt":"2026-10-02T08:42:46","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/452951\/"},"modified":"2026-10-02T10:42:47","modified_gmt":"2026-10-02T08:42:47","slug":"low-claims-numbers-laid-the-foundation-for-a-relaxed-situation-in-property-and-casualty-insurance-in-2025","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/452951\/","title":{"rendered":"Low Claims Numbers Laid the Foundation for a Relaxed Situation in Property and Casualty Insurance in 2025"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-452951","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"The Austrian private insurance sector saw its premium volume rise by 5.0 percent in 2025. The pace of premium rate increases slowed across all lines of business, meaning that growth in volume became more relevant. Premium growth in property and casualty insurance (+5.0 percent) was in line with the European market average. Private health insurance continued to be a dynamic sector (+8.5 percent). Life insurance (+2.8 percent) performed well in newly generated business with single-premium policies. Following the floods of 2024, the number of claims in small-scale natural perils insurance was particularly low, but high-volume insurance lines (motor third-party liability, legal expenses and household insurance) also contributed to this phenomenon. Overall, claims payments fell by \u20132.3 percent. The improved investment performance of the insurance sector in 2025 supported the industry's profitability and enabled the build-up of equity.","onlinedate":"2026-10-02 08:42:47","lang":"German","publication_series":"","publication_date":"20261002","publication_date_year":"","publication_date_full":true,"publication_num_pages":"","keywords":"[]","jelcodes":"[\"G22\",\"E21\",\"G18\"]","related_publications":"[\"4d22a389-3b2f-4f80-8a32-60ff983409da\",\"ac727321-8a30-4aa3-acfd-1bb0bb77383d\",\"afc7ecc5-c22f-417c-9a10-50ec73954663\",\"306ac251-0b3a-4bd3-a8d9-a15e7ad8c947\"]","pdf":452953,"zip":null,"link":"","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"99","monthly_report_pages":"445-455","monthly_report_pages_sort":"445","issue":"9","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":null,"types":[44312],"research_groups":[3500],"collaboration":"","persons":[3899],"persons_data":"[{\"personId\":3899,\"personName\":\"Thomas Url\",\"organisationNames\":[]}]","clients":[],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"
Url, T.<\\\/span> (2026). Niedrige Zahl an Schadenf\u00e4llen sorgte 2025 f\u00fcr Entspannung in der Schaden- und Unfallversicherung<\\\/span>. WIFO-Monatsberichte<\\\/em><\\\/span>, 99<\\\/em>(9), 445-455.<\\\/div>\",\"vancouver\":\"
Url T<\\\/span>. Niedrige Zahl an Schadenf\u00e4llen sorgte 2025 f\u00fcr Entspannung in der Schaden- und Unfallversicherung<\\\/span><\\\/span>. WIFO-Monatsberichte<\\\/span>. 2026 Oct 2;99(9):445-455.<\\\/div>\",\"bibtex\":\"
@misc{76e3a79e466740a6930192fa7c84df51,<\\\/div>
title = \\\"Niedrige Zahl an Schadenf{\\\\\\\"a}llen sorgte 2025 f{\\\\\\\"u}r Entspannung in der Schaden- und Unfallversicherung\\\",<\\\/div>
abstract = \\\"Die {\\\\\\\"o}sterreichische Privatversicherungswirtschaft steigerte 2025 das Pr{\\\\\\\"a}mienvolumen um 5,0\\\\%. In allen Sparten verlangsamte sich das Tempo der Tariferh{\\\\\\\"o}hungen, sodass Mengenausweitungen an Bedeutung gewannen. In der Schaden- und Unfallversicherung (+5,0\\\\%) entsprach das Pr{\\\\\\\"a}mienwachstum dem europ{\\\\\\\"a}ischen Durchschnitt. Die private Krankenversicherung erwies sich weiter als dynamischer Versicherungszweig (+8,5\\\\%). Die Lebensversicherung (+2,8\\\\%) konnte im Neugesch{\\\\\\\"a}ft vor allem mit Einmalerl{\\\\\\\"a}gen punkten. Weniger Schadenf{\\\\\\\"a}lle waren nach dem Hochwasser 2024 besonders in der Kleinelementarversicherung zu verzeichnen, aber auch andere umsatztr{\\\\\\\"a}chtige Versicherungen (Kfz-Haftpflicht, Rechtschutz und Haushalt) meldeten R{\\\\\\\"u}ckg{\\\\\\\"a}nge. Insgesamt schrumpften die Leistungen um 2,3\\\\%. Das verbesserte Veranlagungsergebnis der Versicherungswirtschaft unterst{\\\\\\\"u}tzte 2025 die Profitabilit{\\\\\\\"a}t der Branche und erm{\\\\\\\"o}glichte den Aufbau von Eigenkapital.\\\",<\\\/div>
keywords = \\\"Privatversicherung, Geldverm{\\\\\\\"o}gensbildung\\\",<\\\/div>
author = \\\"Thomas Url\\\",<\\\/div>
year = \\\"2026\\\",<\\\/div>
month = oct,<\\\/div>
day = \\\"2\\\",<\\\/div>
language = \\\"Deutsch\\\",<\\\/div>
volume = \\\"99\\\",<\\\/div>
pages = \\\"445--455\\\",<\\\/div>
journal = \\\"WIFO-Monatsberichte\\\",<\\\/div>

}<\\\/p><\\\/div>\",\"ris\":\"

TY - GEN<\\\/p>

T1 - Niedrige Zahl an Schadenf\u00e4llen sorgte 2025 f\u00fcr Entspannung in der Schaden- und Unfallversicherung<\\\/p>

AU - Url, Thomas<\\\/p>

PY - 2026\\\/10\\\/2<\\\/p>

Y1 - 2026\\\/10\\\/2<\\\/p>

N2 - Die \u00f6sterreichische Privatversicherungswirtschaft steigerte 2025 das Pr\u00e4mienvolumen um 5,0%. In allen Sparten verlangsamte sich das Tempo der Tariferh\u00f6hungen, sodass Mengenausweitungen an Bedeutung gewannen. In der Schaden- und Unfallversicherung (+5,0%) entsprach das Pr\u00e4mienwachstum dem europ\u00e4ischen Durchschnitt. Die private Krankenversicherung erwies sich weiter als dynamischer Versicherungszweig (+8,5%). Die Lebensversicherung (+2,8%) konnte im Neugesch\u00e4ft vor allem mit Einmalerl\u00e4gen punkten. Weniger Schadenf\u00e4lle waren nach dem Hochwasser 2024 besonders in der Kleinelementarversicherung zu verzeichnen, aber auch andere umsatztr\u00e4chtige Versicherungen (Kfz-Haftpflicht, Rechtschutz und Haushalt) meldeten R\u00fcckg\u00e4nge. Insgesamt schrumpften die Leistungen um 2,3%. Das verbesserte Veranlagungsergebnis der Versicherungswirtschaft unterst\u00fctzte 2025 die Profitabilit\u00e4t der Branche und erm\u00f6glichte den Aufbau von Eigenkapital.<\\\/p>

AB - Die \u00f6sterreichische Privatversicherungswirtschaft steigerte 2025 das Pr\u00e4mienvolumen um 5,0%. In allen Sparten verlangsamte sich das Tempo der Tariferh\u00f6hungen, sodass Mengenausweitungen an Bedeutung gewannen. In der Schaden- und Unfallversicherung (+5,0%) entsprach das Pr\u00e4mienwachstum dem europ\u00e4ischen Durchschnitt. Die private Krankenversicherung erwies sich weiter als dynamischer Versicherungszweig (+8,5%). Die Lebensversicherung (+2,8%) konnte im Neugesch\u00e4ft vor allem mit Einmalerl\u00e4gen punkten. Weniger Schadenf\u00e4lle waren nach dem Hochwasser 2024 besonders in der Kleinelementarversicherung zu verzeichnen, aber auch andere umsatztr\u00e4chtige Versicherungen (Kfz-Haftpflicht, Rechtschutz und Haushalt) meldeten R\u00fcckg\u00e4nge. Insgesamt schrumpften die Leistungen um 2,3%. Das verbesserte Veranlagungsergebnis der Versicherungswirtschaft unterst\u00fctzte 2025 die Profitabilit\u00e4t der Branche und erm\u00f6glichte den Aufbau von Eigenkapital.<\\\/p>

KW - Privatversicherung<\\\/p>

KW - Geldverm\u00f6gensbildung<\\\/p>

M3 - WIFO-Schriftenreihen<\\\/p>

VL - 99<\\\/p>

SP - 445<\\\/p>

EP - 455<\\\/p>

JO - WIFO-Monatsberichte<\\\/p>

JF - WIFO-Monatsberichte<\\\/p>

ER - <\\\/p><\\\/div>\"}","scientific_assistance":"[\"Glauninger Ursula\"]","scientific_review":"[\"Baumgartner Josef\"]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"\nLow Claims Numbers Laid the Foundation for a Relaxed Situation in Property and Casualty Insurance in 2025 - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/452951\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Low Claims Numbers Laid the Foundation for a Relaxed Situation in Property and Casualty Insurance in 2025\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/452951\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-02T08:42:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/452951\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/452951\\\/\",\"name\":\"Low Claims Numbers Laid the Foundation for a Relaxed Situation in Property and Casualty Insurance in 2025 - 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