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European Insurance and Occupational Pensions Authority
 

Eurobarometer 2025: consumer trends in insurance and pension services

Ownership of savings and insurance products

Household (62%) and vehicle insurance (57%) are the two most common insurances consumers typically own. 

Distribution channels for insurance policies

  • 24%
    Only online
  • 37%
    Only in person or over the phone with an agent or broker
  • 15%
    Both online and in-person/phone purchases
  • 21%
    Not purchased any insurance in the past two years

Living financially comfortably in retirement

Having a private or occupational pension scheme makes a difference in expectations to live financially comfortably in retirement.

Top 3 reasons for concern about financial comfort in retirement (among consumers not feeling confident):

  • 37%
    Lack of confidence in the state pension system
  • 36%
    Worried about inflation reducing the value of savings
  • 30%
    Uncertain about future financial needs and expenses

Claims handling

Trust in insurance providers

53% Insurers
52% Pension funds
45% Banks

% of consumers who trust these entities involved in the distribution and/or design of insurance and private pension plans to ensure a good consumer outcome, as well as an adequate retirement outcome.

Compared to 2023 and 2024 data, 2025 shows a reverse trend in terms of trust in pensions funds vis-a-vis trust in other providers. 

Reference documents

Infographic
  • 10 DECEMBER 2025
Infographic - Eurobarometer Consumer Trends 2025
Presentation
  • 10 DECEMBER 2025
Presentation - Eurobarometer results 2025
Country factsheets
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Austria
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Belgium
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific - Bulgaria
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Cyprus
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Czechia
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Germany
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Denmark
  • 10 DECEMBER 2025
Eurobarometer 2024 country specific factsheet - Estonia
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Greece
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Spain
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Finland
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - France
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Croatia
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Hungary
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Ireland
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Italy
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Lithuania
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Luxembourg
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Latvia
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Malta
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Netherlands
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Poland
  • 17 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Portugal
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Romania
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Sweden
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Slovenia
  • 10 DECEMBER 2025
Eurobarometer 2025 country specific factsheet - Slovakia