German motor-insurance technical result
2023: approximately −€2.9bn · 2024: approximately −€2bn · 2025: positive result
The 2025 combined ratio was reported at around 96%, marking a return to profitability after two loss-making years. Operational consequence: technically weak or incomplete positions remain vulnerable to scrutiny.
Motor-insurance price changes for switching customers
2024: around +24% · 2025: around +7%
The Verivox index showed a record rise in 2024 followed by lower but continued growth in 2025. The figures describe a market segment and should not be treated as an individual policy forecast.
Vehicle-parts prices
More than +80% since 2015, compared with roughly +30% consumer-price growth over the same period according to the cited German market material. Operational consequence: higher repair cost increases the importance of precise evidence, estimation and approval control.
Return on sales in German automotive retail
2022: 3.3% · 2023: 2.2% · 2024: around 1.7% · 2025 estimate: around 1.1%
The downward trend reinforces the importance of workshop contribution margin, working capital and controlled claims processes.
Case law and legal status
German claims law develops continuously. Selected decisions are editorially interpreted in the German specialist book and translated into operational consequences. Individual legal assessment remains the responsibility of authorised legal professionals.
Frank Roll, MSc, MBA
Automotive claims management specialist working at the interface between dealerships, insurers, automotive damage assessors and legal professionals since 1998. Author of Schadenmanagement im Autohaus and developer of the R-SOS management consulting system.
Last reviewed: July 2026 · The specialist book is currently available in German.