the French want to change their lives, but no insurance

A third of French people want to change housing

The Vivavoice polling institute produced a barometer for BPCE Assurances measuring the relationship of French people to change, the future and risk. Respondents very much want to change their lives but are often constrained by their financial situation.

According to the Vivavoice panorama on the French people’s relationship to change, the future and risks, 86% of respondents want to change “things” in their lives. They are even 35% to want to change their lives in depth. From this survey*, BPCE therefore retains a deep desire for change, but also that the French are concerned about purchasing power and relativize the place of the State.

Changing life in small steps

Respondents mainly want to have different hobbies (52% of them), change their pace of life and housing respectively for 37% and 36% of them, or even change their professional life (30% of respondents) . Thus, almost half of respondents would like to move. The desire for change does not extend to the field of insurance. Few French people want to change insurance (12%) or mutual insurance (14%).

However, if 86% aspire to a different life, a majority of them (51%) wish to change only a few “things” in their lives. Finally, almost half of those questioned consider their desire for change to be little (40%) or not achievable (5%), often for financial (60%) or personal (32%) reasons. Similarly, among those who want to move, a third think that the realization of this project is unlikely.

The end of the month prevents changing the world

It is in the area of ​​mobility that the French people’s desire for change is less marked. Only 25% want to change the means of getting around, 38% don’t and 32% say they can’t. However, a gain in purchasing power (for 43% of respondents), state incentive aid (for 25% of them) or finally an ecological awareness (for 23% of them) could encourage them to change the way they move. Financial issues are again at the top of the list of reasons that prevent the French from changing their way of life, while ecological issues are relegated to the background.

Similarly, respondents favor safe and protected savings (at 41%) or profitable savings (at 30%) over responsible savings financing environmental and ethical projects. The French do not seem to plan to revolutionize the way they consume products that are not basic necessities either. Only 25% of them want to consume less against 14% who would like to consume more and 58% who do not want to change their consumption.

The state less and less considered

BPCE also underlined a certain questioning or relativization of the importance of the State by the French. Only 25% of people place public authorities as the actor most likely to help them in the event of a health problem, compared to 33% for mutual and complementary health insurance, 20% for their family and 9% for insurers.

To protect themselves from the risks of life, the French also trust those around them (45% of them) more than the State and its services (35%), mutual insurance companies (33%) and insurers (26%). This relativization of the role of the State could also be explained by the decline and the lack of public services in many French territories. It is this hindsight that could force people to rely on loved ones to protect themselves from risk.

In addition, François Codet, the managing director of BPCE Assurances, justifies the French people’s lack of love for insurance by a lack of understanding by respondents of the difference between mutual insurance and insurance. It highlights a communication problem on the part of insurers who need to make their profession better known.

*Survey carried out online on a sample of 2,000 French metropolitan people representative of the population

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