Europejski Urząd Nadzoru Ubezpieczeń i Pracowniczych Programów Emerytalnych (European Insurance and Occupational Pensions Authority - EIOPA), Raport o trendach konsumenckich 2023

EIOPA(2023)0112361

Consumer Protection Department

EIOPA REGULAR USE

EIOPA-BoS-23/470

21 November 2023

Consumer Trends Report 2023

Main report

EXECUTIVE SUMMARY

Current inflationary trends and rising interest rates can have a negative impact on the (real) returns of insurance-based investment products (IBIPs) and pension products. The cost-of-living crisis can lead consumers to make choices that harm their financial health in the medium to long term, leaving some under-insured. Continued supply chain disruptions, Russia's invasion of Ukraine, led the economy to quickly transition from a period of low inflation and interest rates to high inflation and rising interest rates. This quick transition and the high-inflation can harm insurance and pension consumersin the EU. In 2022, insurance and pension real investment returns have been negatively impacted by poor market performance and high inflation. Consumers also faced reduced disposable income which, coupled with increased premiums and...