Insurers do not wish to reimburse the two months of confinement…
Following the request of UFC-Que Choosing to obtain the reimbursement of 2.2 billion euros to insured auto (50 euros) and motorbike (29 euros) due to savings related to confinement, the president of the French Federation of the insurance (FFA) took its best pen to answer the association that yes, but no… Explanations.
To compensate for the savings generated by insurers due to the confinement, UFC Que-Choose asked that 2.2 billion euros be paid to car and motorcycle policyholders. Except that the insurers – without real surprise – that does not suit them…
- MNC special file :
- MNC of April 14, 2020 :
- Confinement :
"Well, well it will not be possible because of .. Well, it does not suit them .. Because of the money, I will explain", could have answered the president of the FFA in her to the president of UFC What to choose. But instead of quoting Thierry Lhermitte in Les Bronzes, Florence Lustman expresses to Alain Bazot her regret at not having been consulted "before launching this campaign, insofar as it reflects a vision of insurance which seems to me very dangerous and contrary to the interests of the insured ". Bim !
Say Popeye, you give us a discount ?
While acknowledging "a drop of about 75% in the number of accidents during this period of confinement", the president wonders: "does this mean, however, a right or an interest to be reimbursed from part of his bonus? " (spoiler: no).
From a legal point of view, first of all, the insurers stress that article 113-4 of the insurance code invoked by Que-Choisir to justify this request for reimbursement concerns "a reduction in the risk observed for example when a novice driver initially declared ceases to use the insured vehicle ". But in any case "a period of less circulation does not characterize a reduction in the risk referred to by this text", estimates the FFA: "insurance is contractually taken out for one year, for an agreed premium, and compliance with the contract is an obligation for the two parts".
Basically, "it is above all the principle of risk pooling that your operation is undermining, and this is why it seems particularly dangerous to me because pooling means that the risk is spread over space. and over time ", worries the president. Because "if it is true that we have seen a decrease in accidents in recent weeks, who can reasonably anticipate the situation in the coming months?", She wonders, citing the example of China where " the end of confinement saw a very sharp increase in the use of vehicles by individuals who feared to take public transport ".
"This will have an impact on the tariffs for the year 2021"
"It is dangerous to make policyholders believe that because the weather is good one day, you should be reimbursed for natural disaster premiums," Lustman continues. "Or because you haven’t suffered water damage in a year, you should get your home insurance premium refunded"…
"It is only at the end of the year that we can judge the reality of car accidents for 2020", she concludes..
Ah! So if the premiums collected were greater than the claims paid, will the reimbursement be justified? So yes, but no: "this will have repercussions on the rates for the year 2021", announces the FFA, recalling that "the technical results of motor insurance are negative and that the balance can only be achieved through financial products from our assets which, you will agree, may fail us this year "… Same player try again ?
"Let’s continue to criticize the professionals"
In response, the president of UFC Que-Choisir is delighted to see that "it is no longer a question of allocating savings from auto / motorcycle insurance to compensating claims for professionals, but of a hypothetical reduction in the 2021 premium ".
"However, given the purchasing power crisis that many consumers are already experiencing, there is no question of waiting until next year for policyholders to find their due: let us continue to criticize professionals and challenge them!" , advises Alain Bazot, noting that "600,000 insured already have".
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