{"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":"The French disaster protection system NATCAT is facing a financial reassessment: Due to drastically increased costs caused by floods, droughts and other natural events, France will increase the additional premiums for property insurance starting January 1, 2025. The additional premium for commercial and private insurance will increase from the current 12 % to 20 %. For motor vehicle insurance with theft and fire protection, the rate will increase from\u2026 <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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