Question 17408 — 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 responses, the amounts of premiums and deductibles proposed were significantly increased compared to the previous contract. These difficulties affect all departments and this is particularly the case in the department of Ariège, where the Household Waste Union (SMECTOM) did not receive any response from the various 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, the municipalities find themselves completely deprived. 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 local authorities 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. The MP therefore asks her to please specify the measures she 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

1. 30 April 2024

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• Martine Froger · auteur

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