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Die Vorteile des Staatsmonopols in der Gebäudeversicherung: Erfahrungen aus Deutschland und der Schweiz

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  • Ungern-Sternberg Thomas von

    (Université de Lausanne)

Abstract

This paper compares the prices charged and the quality of service provided by state monopolies and private insurance companies on the property insurance market. Both the cross-section data from Switzerland and the time-series evidence from Germany strongly suggest that in this specific market the presence of state monopolies is very advantageous for the customers. This raises the question why German academic economists made practically no effort to defend their state insurance monopolies in the debate about the 3rd EU directive on property insurance. Is it possible that peer pressure prevents academic economists from standing up to defend state monopolies, even if these are clearly to the benefit of consumers?

Suggested Citation

  • Ungern-Sternberg Thomas von, 2001. "Die Vorteile des Staatsmonopols in der Gebäudeversicherung: Erfahrungen aus Deutschland und der Schweiz," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 2(1), pages 31-44, February.
    • Handle: RePEc:bpj:pewipo:v:2:y:2001:i:1:p:31-44:n:3
    DOI: 10.1111/1468-2516.00030
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    Citations

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    Cited by:

    1. Reimund Schwarze & Gert G. Wagner, 2006. "The Political Economy of Natural Disaster Insurance: Lessons from the Failure of a Proposed Compulsory Insurance Scheme in Germany," Discussion Papers of DIW Berlin 620, DIW Berlin, German Institute for Economic Research.
    2. Lehmann, Paul & Schleyer, Christian & Wüstemann, Henry & Drechsler, Martin & Hagedorn, Konrad & Wätzold, Frank, 2005. "Promoting the multifunctionality of agriculture, forestry, and rural areas - design and implementation of public policies in Germany," UFZ Discussion Papers 12/2005, Helmholtz Centre for Environmental Research (UFZ), Division of Social Sciences (ÖKUS).
    3. Reimund Schwarze & Carsten Croonenbroeck, 2017. "Economies of Integrated Risk Management? An Empirical Analysis of the Swiss Public Insurance Approach to Natural Hazard Prevention," Economics of Disasters and Climate Change, Springer, vol. 1(2), pages 167-178, July.

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