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Katastrophenjahre sorgen für Nachfrage bei Versicherern

25.11.2014 – flut-foerster-150Naturkatastrophen haben in Australien dazu geführt, dass das Nicht-Leben-Segment im Schnitt mehr als fünf Prozent gewachsten ist – in den vergangenen fünf Jahren. Ein aktueller Bericht zeigt auch, dass die Rückversicherungsprämien ein Plus von 50 bis 75 Prozent seit 2011 aufweisen.

Die Queensland-Flut von 2010 und diverse tropische Taifune haben laut Timetric-Report für die erhöhte Nachfrage nach Versicherungsschutz gesorgt.

Australians made 52,683 claims in total for the Queensland flood, accounting for damages worth US$2.6 billion, and 65,200 claims between December 2010 and March 2011 for cyclone Yasi, with damages worth US$970 million. However, there has been a decrease in catastrophic events since 2012, which resulted in a slight drop of reinsurances in 2013. In the meantime, the Australian government proposed that insurers should offer flood cover as part of their home insurance policies with an opt-out option for customers.

Ben Carey-Evans, analyst at Timetric, says: “The number of catastrophic events has been rising in the last couple of years, making more and more Australians aware of the benefits of non-life insurance. The threat of future catastrophes as well as the measures undertaken by the government will help the non-life segment to grow at a CAGR of 4.4% to reach US$38 billion in 2018.”

According to the report, the gross written premium of Australian non-life insurance increased from US$22.8 billion in 2009 to US$34.7 billion in 2013, at a compound annual growth rate (CAGR) of 5.2%. The number of non-life policies also grew at a CAGR of 4.4% between 2009 and 2013, reaching 53 million last year.

Timetric data shows that the Australian reinsurance rates increased at a rate of 50% to 75% in 2011, largely due to catastrophic events. Australia is prone to catastrophes, with eight natural disasters occurring in 2010 alone, of which five were floods, two were major storms and one a tropical cyclone.

Bildquelle: Foerster/ vwh

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