Question 16961 — overseas

Summary

Mr. Elie Califer alerts the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to the persistent weakening of insurance coverage in Guadeloupe and, more broadly, in the overseas territories. The penetration rate of damage insurance remains structurally lower than that observed in France, standing at around 50% in Guadeloupe and Martinique compared to 96% in average in France, according to Senate information report no. 122 (2019-2020) and the report of the General Inspectorate of Finance and the General Council for the Environment and Sustainable Development of January 2020. This situation, already documented after the devastating passage of Cyclone Irma in September 2017 - the cost of which for insurers amounted to 2 billion euros in Saint-Martin and Saint-Barthélemy - continues to get worse. In its April 2026 report devoted to the natural disaster compensation system, the Court of Auditors notes that the overseas territories, which represent only 4.1% of the French population, concentrate 10% of the claims of the CatNat system since 2000 for only 1.8% of the contributions collected, with a coverage rate significantly lower than that of France depending on the territories. The first report from the Observatory insurability, implemented by the Central Reinsurance Fund as part of the third national plan for adaptation to climate change and submitted in June 2026, confirms the need for particular vigilance overseas, where the number of insurers present remains half as many as in France. In the field, companies and individuals report increasing premiums as well as refusals or limitations of coverage which make certain goods difficult to insure, aggravating an already fragile situation for territories particularly exposed to climate risks. If the Government announced, on June 17, 2026, three lines of action in response to this report - including the launch of an inter-inspection mission on overseas insurance coverage and the periodic review of the CatNat surcharge rate -, no precise timetable nor any guarantee on the balanced distribution of this burden between policyholders has not yet been communicated. He therefore asks what means the Government intends to mobilize to guarantee, in conjunction with insurance players and local authorities, lasting access to insurance in the overseas territories. He also asks him to specify the timetable for the announced inter-inspection mission.

Machine translation from French. The official text remains authoritative.

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1. 14 July 2026

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