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Die Abschaffung der Monopole in der deutschen Gebäudeversicherung : Lehren für die Schweiz




We study, what Switzerland can learn from the disappearance of the property insurance monopolies in Germany. We show that the German insurance monopolies did not fight hard enough to defend their interests. a) Most of them knew that they would be bought up by another public insurance company. The monopoly was not for them a question of survival. b) The German monopolies did not have their own interest group. They were defended by the Association of Public Insurers. This association has much wider interests to defend than just the monopolies in the property insurance market. c) For the small customer the disappearance of the state monopolies was a painful event. Within five years their premium rates rose by about 50%, and the contributions paid by the insurance companies for fire prevention fell massively. It is well known, however, that consumers do not constitute a powerful pressure group.

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  • Thomas VON UNGERN-STERNBERG, 2000. "Die Abschaffung der Monopole in der deutschen Gebäudeversicherung : Lehren für die Schweiz," Cahiers de Recherches Economiques du Département d'Econométrie et d'Economie politique (DEEP) 00.05, Université de Lausanne, Faculté des HEC, DEEP.
  • Handle: RePEc:lau:crdeep:00.05

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    Cited by:

    1. Thomas von Ungern-Sternberg, 2001. "Die Vorteile des Staatsmonopols in der Gebäudeversicherung: Erfahrungen aus Deutschland und der Schweiz," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 2(1), pages 31-44, February.

    More about this item


    property insurance; Germany; state monopoly; deregulation; premium rate;

    JEL classification:

    • H42 - Public Economics - - Publicly Provided Goods - - - Publicly Provided Private Goods
    • L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance
    • L32 - Industrial Organization - - Nonprofit Organizations and Public Enterprise - - - Public Enterprises; Public-Private Enterprises
    • L5 - Industrial Organization - - Regulation and Industrial Policy
    • L89 - Industrial Organization - - Industry Studies: Services - - - Other


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