{"id":1453,"date":"2025-12-08T16:00:40","date_gmt":"2025-12-08T15:00:40","guid":{"rendered":"https:\/\/prepp.net\/?post_type=news&#038;p=1453"},"modified":"2025-12-08T16:00:40","modified_gmt":"2025-12-08T15:00:40","slug":"france-increases-natcat-insurance-contributions","status":"publish","type":"news","link":"https:\/\/prepp.net\/en\/news\/frankreich-erhoeht-beitraege-natcat-versicherung\/","title":{"rendered":"France increases NATCAT insurance premiums - due to rising costs caused by natural disasters"},"content":{"rendered":"<p>The French NATCAT civil protection system is facing a financial reassessment: due to the drastic rise in costs caused by floods, droughts and other natural events, France is increasing the cost of NATCAT from <strong>January 1, 2025<\/strong> the additional premiums for property damage insurance.<\/p>\n<ul>\n<li>The additional premium for commercial and private insurance will rise from the current 12 % to 20 %.<\/li>\n<li>For motor vehicle insurance with theft and fire cover, the rate increases from 6 % to 9 %.<\/li>\n<\/ul>\n<p>NATCAT has been a central pillar of disaster management in France since the 1980s - all property insurance policies must automatically include cover for natural disasters. Reinsurance is provided by Caisse Centrale de R\u00e9assurance (CCR), backed by a state guarantee.<\/p>\n<p>The background to the premium increase: In 2022, natural disasters caused damage amounting to around <strong>10 billion \u20ac<\/strong>, in 2023 it was around <strong>6.5 billion \u20ac<\/strong> - significantly more than the long-term average. As a result, the system has often been running deficits since 2016, with CCR reserves falling by % in the past five years.<\/p>\n<p><strong>What this means for insured persons:<\/strong> From 2025, all holders of corresponding insurance policies will have to expect higher premiums - regardless of whether they personally live in high-risk areas or not. The change affects industrial, commercial, household and motor vehicle policies equally.<\/p>\n<hr \/>\n<p><strong>Source:<\/strong> NATCAT in France: Important updates, TRC Digit \/ TrustRC, September 2024. <a href=\"https:\/\/trustrc.com\/natcat-in-frankreich-wichtige-updates\/\">https:\/\/trustrc.com\/natcat-in-frankreich-wichtige-updates\/<\/a><\/p>","protected":false},"excerpt":{"rendered":"Das franz\u00f6sische Katastrophenschutzsystem NATCAT steht vor einer finanziellen Neubewertung: Wegen drastisch gestiegener Kosten durch \u00dcberschwemmungen, D\u00fcrren und andere Naturereignisse erh\u00f6ht Frankreich ab dem 1. Januar 2025 die Zusatzpr\u00e4mien f\u00fcr Sachschadenversicherungen. Die Zusatzpr\u00e4mie f\u00fcr Gewerbe- und Privatversicherungen steigt von derzeit 12 % auf 20 %. F\u00fcr Kfz-Versicherungen mit Diebstahl- und Feuerschutz erh\u00f6ht sich der Satz von&#8230; <a class=\"view-article\" href=\"https:\/\/prepp.net\/en\/news\/frankreich-erhoeht-beitraege-natcat-versicherung\/\">Read more<\/a>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1453","news","type-news","status-publish","format-standard","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frankreich erh\u00f6ht Beitr\u00e4ge zur NATCAT-Versicherung \u2013 wegen steigender Kosten durch Naturkatastrophen - prepp.net<\/title>\n<meta name=\"description\" content=\"Wegen drastisch gestiegener Kosten durch Naturkatastrophen erh\u00f6hte Frankreich ab dem 1. 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