Question 17069 — insurance

Summary

Ms. Martine Froger draws the attention of the Minister Delegate to the Minister of the Interior and Overseas Territories and the Minister of Ecological Transition and Territorial Cohesion, responsible for local authorities and rural areas, to the difficulties that municipalities are increasingly encountering in ensuring themselves. In fact, many municipalities see their insurance contracts terminated: not only their contributions increase suddenly, but the conditions of support are modified without negotiation, accompanied by unaffordable deductibles. The recent consultation carried out by the Senate with communities highlights in particular difficulties in securing insurance due to the lack of response to calls for tenders or new unfavorable pricing conditions. Thus, since January 1, 2023, 24% of communities that responded to the consultation indicate having launched a call for tenders for which no insurer responded. Furthermore, in the event of a response, the amounts of premiums and deductibles offered were significantly increased compared to the previous contract. These difficulties affect all departments and this is particularly the case of the Ariège department, where the Household Waste Union (SMECTOM) has not received any response from the various companies regarding damage to property. insurance companies to the proposed calls for tenders. Insurance companies justify these increases by claims risks, or by the various natural disasters linked to climate change. However, local authority insurance is not that heavy: it only represents 1% to 2% of the turnover of insurance companies. Faced with this situation, municipalities find themselves completely helpless. Some of them are reduced to self-insurance, as is the case for SMECTOM, even though their legal insurance obligations have increased since 2019. It therefore appears necessary to protect municipalities against sudden terminations, to regulate contribution rates and to ensure expanded coverage of claims covered by natural disasters. Finally, the insurability of communities territorial issues must be the subject of reflection in their own right because communities contribute to public service, while developing the territory for the benefit of all. She therefore asks it to please specify the measures it intends to take in order to guarantee that municipalities can obtain insurance at a reasonable cost.

Machine translation from French. The official text remains authoritative.

Timeline

No timeline events have been ingested for this record yet.

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

No documents linked.

Sponsors

No sponsors or actors listed by the source.

Related records

No cross-record relationships stored yet.