ISBN:
9783642224355
Language:
English
Pages:
Online-Ressource (XXVI, 154 p, online resource)
Series Statement:
SpringerLink
Series Statement:
Bücher
Parallel Title:
Erscheint auch als Quinto, Cornel Insurance systems in times of climate change
Keywords:
SEPA
;
Gebäudeversicherung
;
Elementarschadenversicherung
;
Klimawandel
;
Schweiz
;
Deutschland
;
Frankreich
;
Spanien
;
USA
;
Law
;
Law
;
Klimaänderung
;
Naturkatastrophe
;
Gebäude
;
Elementarschadenversicherung
;
Versicherungspflicht
;
Internationaler Vergleich
;
Klimaänderung
;
Naturkatastrophe
;
Gebäude
;
Elementarschadenversicherung
;
Versicherungspflicht
;
Internationaler Vergleich
Abstract:
Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural hazards lies at the heart of such a system. The insurance systems of Germany, France, Spain, Switzerland and the USA are presented. The author explains what type of insurance system is best suited to meet the challenge of climate change. The starting point of the legal section is statutory insurance with a monopoly. The question of whether such insurance is compatible with Swiss and EU law is examined. Keywords in this respect are economic freedom, competition, services of general interest and universal service
Abstract:
Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural hazards lies at the heart of such a system. The insurance systems of Germany, France, Spain, Switzerland and the USA are presented. The author explains what type of insurance system is best suited to meet the challenge of climate change. The starting poin
Description / Table of Contents:
Insurance Systems in Times of Climate Change; Preface; Table of contents; List of abbreviations; References; List of materials; Chapter 1: Challenge: Climate change as the starting situation; I. Global climate change; 1. IPCC-global reference for a global problem; 2. The IPCC as the initial spark for the UNFCCC and the Kyoto Protocol; 3. The results of the Copenhagen "climate summit"; 4. What awaits us worldwide; A. The prognoses; B. Adaption to and mitigation of climate change as a way out?; II. Climate change in Switzerland; 1. The prognoses for Switzerland until 2050; 2. The ramifications
Description / Table of Contents:
III. Consequences for insurance against natural hazards1. Effects on insurance against natural hazards; A. Climate change-no surprise for the insurance sector; B. The effects on insurance against natural hazards in detail; a) Current loss trends; b) The change in actuarial benchmark figures; C. The increasing significance of insurance against natural hazards; 2. Future demands on protection against natural hazards and insurance of buildings against natural hazards; Chapter 2: Insurance systems today; I. Types of insurance systems; 1. General information; 2. Type 1: Statutory insurance
Description / Table of Contents:
3. Type 2: Compulsory insurance (obligatory insurance)4. Type 3: State aid and optional insurance according to market supply; II. Germany; 1. State aid and insurance option according to market supply; A. Market supply in residential buildings as well as supplementaryinsurance according to the ZÜRS; B. Ad hoc state aid; 2. Comparison with the situation of the German statutory insurances until 1994 and the Swiss statutory insurances; A. Comparison with the situation of the German statutory insurances until 1994; B. Comparison with Swiss statutory insurances
Description / Table of Contents:
a) Loss coverage and insurance densityb) Promptness of claim settlement; c) Conclusion; III. France; 1. Compulsory insurance in the sense of obligatory extension of coverage; 2. Effective defrayment of loss in the natural disasters sector by the state reinsurance Caisse Centrale de Réassurance (CCR); 3. Adaption of the French system due to moral hazard and negative selection; 4. Differences to the German and the Swiss as well as the Spanish system; IV. Spain; 1. Statutory insurance for extraordinary risks; A. State-owned enterprise Consorcio de Compensación de Segurosas risk carrier
Description / Table of Contents:
B. Statutory insurance due to statutory coverage clause and statutory surcharge2. Prevention of negative selection and maximum solidarity; V. Switzerland; 1. Overview-Coexistence of statutory insurance with integrated loss prevention/abatement and compulsory insurance; 2. The system of statutory insurance with integrated damage prevention and damage abatement; A. The Kantonale Gebäudeversicherungen (KGV) as solidary insurances; B. The Interkantonale Rückversicherungsverband (IRV)as an enhancement to the protection policy
Description / Table of Contents:
C. The Interkantonale Risikogemeinschaft Elementar (IRG)-solidary defrayment of losses in the event of natural disasters
Note:
Description based upon print version of record
DOI:
10.1007/978-3-642-22435-5
URL:
Volltext
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