And the parliamentarians captured the record

Nicolas Sarkozy promised in March, just after the storm Xynthia: compensation of natural disasters ("nat cat") system will be reformed. It "will remain naturally based on national solidarity, but will take into account the need to strengthen prevention and to encourage responsible behaviour," added the head of State. Since then, the "nat cat" rewrote the one with the flooding of the Var in mid-June. And the parliamentarians captured the record. MEPs are demanding a precise definition of the risks covered and offer an exceptional levy on the reserves of the Central reinsurance Fund (CCR) to feed the Fund Barnier (read below). Senators, they suggest to finance part of the renovation of dams through a levy on the Fund.

All proposals are far from making the joy of the insurers. First because they tend to consider that the scheme has been proven. "It works correctly, the French include, victims like it and the State lost no money." "What good reform a system which gives satisfaction", insists (Gema) insurance mutual companies group.

In addition, the recommendations of members of Parliament cannot make Agency, in their eyes, flat fundamental rehabilitation. "It confuses compensation system and policy of prevention." The French regime of the "nat cat" is built on this dichotomy. "The challenge is therefore to re - nest the two correctly", summarizes Frédéric Gudin Pavilion, to the French Federation of insurance (FFSA) companies. Where the refusal, for example, to participate in the plan dykes. "The same money cannot be used twice: reserves for compensation cannot be used for prevention", explains Jean-Luc of Boissieu, Secretary General of the Gema.

Here in the fall of proposals

Insurers must still articulate proposals for improvement of here in the fall. The subject is crucial. "Natural disasters will become the most important position of damage insurance in years to come," warned Jacques de Peretti, Associate Executive Director of AXA France. The FFSA had calculated in 2007 that natural events had cost 30 billion euros in France over the past 20 years and that this cost would double over the next twenty years. At the resurgence of natural events (Klaus, Quinten, hail, Xynthia, flooding of the Var...), some predict that this double, but much faster.

One of the tracks, enough consensus, focuses on the improvement of the knowledge of the risk. "We could create an Observatory of natural hazards, with public authorities, proposed Jacques de Peretti.". The information is very scattered and not always compatible. In addition, they are followed by effect, as evidenced by the construction of 100,000 housing units in ten years in classified areas prone to flooding.

On the other hand, the idea of a modulation of the premium "nat cat" risk is still not unanimous, it is found to be inconsistent with the principles of solidarity or very complex to implement.

AXA seeks to demonstrate the contrary. "Increase rates for everyone is not the right solution, defends Jacques de Peretti. The premium rate could be attached to the case not case for companies, while for individuals, it would depend on the area and prevention of the common efforts. "The justification "The insurers through their power of economic sanction, always managed to promote responsible and healthy behaviour." This is done in all branches except on natural events, where the premium is 12 for everyone.