Insurance Systems in Times of Climate Change: Insurance of by Cornel Quinto

By Cornel Quinto

Traditional failures similar to large-scale flooding are at the raise. weather swap at once impacts our foundation of life. This comprises residential structures, and advertisement and commercial homes. the writer highlights the necessities that may must be met through a security approach for structures sooner or later. assurance opposed to traditional dangers lies on the middle of this kind of process. The coverage platforms of Germany, France, Spain, Switzerland and america are provided. the writer explains what form of coverage method is most suitable to fulfill the problem of weather switch. the start line of the criminal part is statutory coverage with a monopoly. The query of no matter if such assurance is appropriate with Swiss and european legislation is tested. key words during this recognize are monetary freedom, pageant, providers of basic curiosity and common provider.

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G. regularly occurring flooding events) are conceivable. It is here in particular where loss prevention comes to the fore as a remedial measure. • The significance of the prevention of losses caused by natural hazards increases significantly. The prevention of losses caused by natural hazards cannot prevent climate change and natural disasters. It can, however, help to limit the negative consequences, the losses51. In view of the future, extremely high loss potentials, loss prevention will become a necessity in order to avoid the discontinuation of insurance protection due to uninsurability.

For the time being, the EU has committed itself politically to the theory that a rise in temperature of over 2 oC above the pre-industrial level will trigger a “dangerous” climate change. The July 2009 G8 summit in L’Aquila has recognised this limit25.  14. Cf.  15 and 17.  19.  19. Council of the European Union, 2005: Presidency Conclusions, Brussels 22/23 March 2005, EU Commission, Brussels. In the closing communiqué of the Major Economies Forum on Energy and Climate, 9 July 2009, the G-8 have agreed on the “recognition of the scientific assessment that global warming must not exceed 2 degrees Celsius compared to the pre-industrial level (translation, original quote in German)”.

Approximate CO2-eq concentrations corresponding to the computed radiative forcing due to anthropogenic GHGs and aerosols in 2100 (see p. 823 of the Working Group I TAR) for the SRES B1, AIT, B2, A1B, A2 and A1FI illustrative marker scenarios are about 600, 700, 800, 850, 1250 and 1550ppm, respectively. d) Temperature changes are expressed as the difference from the period 1980-1999. 5°C. 1. 10 Chapter 1: Challenge: Climate change as the starting situation CO2 as well as that b) the polar ice caps are not able to reflect as much sunlight, which in turn accelerates warming15.

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