Advanced Search
MyIDEAS: Login

Wirtschaftspolitische Grundsätze der Gestaltung von Risikotransfersystemen für Naturgefahren

Contents:

Author Info

  • Torsten Steinrücken
Registered author(s):

    Abstract

    The central element to improve the management of natural hazards in Germany is to amend the existing risk-transfer system. A transition of the current voluntary insurance system into a compulsory insurance system would make the hedging of losses and damages easier and would create stronger incentives for risk reduction and prevention. Such a modifi cation of the regulatory framework is needed because of the increasing frequency of natural disasters with huge economic losses and the obvious problems of the current insurance system in Germany. Against the background of the institutional situation in Germany the article shows that a compulsory insurance system is the best answer to solve the existing problems. Together with the implementation of a compulsory insurance system a constraint to contract for insurance suppliers to avoid cherry picking should be introduced. The article suggests furthermore complementing the compulsory insurance system with a fund for fi nancing of preventative measures and a risk structure compensation between insurance suppliers Zentrales Element zur Verbesserung des Naturgefahrenmanagements in Deutschland ist die Änderung des bestehenden Risikotransfersystems. Durch den Übergang von der freiwilligen Versicherung zu einer Versicherungspflicht würden neben einer besseren Absicherung auftretender Schäden auch stärkere Anreize zur Risikominderung und -prävention geschaffen. Eine solche Änderung des ordnungspolitischen Rahmens erscheint vor dem Hintergrund der ansteigenden Häufigkeit von Naturkatastrophen mit großen volkswirtschaftlichen Schäden und der offensichtlichen Probleme des derzeitigen Systems in Deutschland dringend erforderlich. Aufgrund der institutionellen Gegebenheiten in Deutschland ist eine Versicherungspflicht bei privaten Versicherungen am ehesten geeignet, die bestehenden Probleme zu lösen. Mit der Versicherungspflicht sollte auch ein Kontrahierungszwang für die Anbieter von Versicherungen eingeführt werden. Ferner wird angeregt, die Versicherungspflicht durch einen Fonds zu Finanzierung von Präventionsmaßnahmen und einen Risikostrukturausgleich zu ergänzen.

    Download Info

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
    File URL: http://ejournals.duncker-humblot.de/DH/doi/pdf/10.3790/vjh.77.4.80
    Download Restriction: no

    Bibliographic Info

    Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

    Volume (Year): 77 (2008)
    Issue (Month): 4 ()
    Pages: 80-97

    as in new window
    Handle: RePEc:diw:diwvjh:77-4-6

    Contact details of provider:
    Postal: Mohrenstraße 58, D-10117 Berlin
    Phone: xx49-30-89789-0
    Fax: xx49-30-89789-200
    Email:
    Web page: http://www.diw.de/en
    More information through EDIRC

    Related research

    Keywords: Naturgefahren; Ordnungspolitik; Naturgefahrenmanagement; Versicherungspfl icht; Risikotransfer; Elementarschadenversicherung; Prävention; Deutschland;

    Find related papers by JEL classification:

    References

    No references listed on IDEAS
    You can help add them by filling out this form.

    Citations

    Lists

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    Statistics

    Access and download statistics

    Corrections

    When requesting a correction, please mention this item's handle: RePEc:diw:diwvjh:77-4-6. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Bibliothek).

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.