On 11 December 2025, the European Insurance and Occupational Pensions Authority (EIOPA) published its 2025 Flash Eurobarometer survey, gathering insights into consumer trends in the insurance and pensions sectors.
Key findings from the survey include:
- Household (62%) and motor insurance (57%) are the two most commonly owned types of insurances;
- Distribution channels for insurance policies differ among consumers. Around 37% of respondents bought insurance only in person or over the phone with an agent or broker, 24% purchased exclusively online, 15% used a mix of online and in-person or phone channels, while 21% did not purchase any insurance in the past two years;
- In terms of new trends, 30% of consumers would trust the recommendations of non-human AI agents when choosing insurance or pension products;
- Holding a personal/private pension product or an occupational pension scheme significantly shapes how consumers feel about living financially comfortably in retirement;
- Consumers top three concerns in achieving financial comfort in retirement include:
- Lack of confidence in the state pension system (37%);
- Inflation eroding savings’ value (36%);
- Uncertainties about future financial needs and expenses (30%);
- 62% of the respondents expressed satisfaction with claims handling for insurance products in general;
- Consumers showed different levels of trust towards insurance providers, eg 53% for insurers, followed by pension funds (52%) and banks (45%).
Insurance Europe