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Wirtschaftspolitische Grundsätze der Gestaltung von Risikotransfersystemen für Naturgefahren

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  • Torsten Steinrücken

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.

Suggested Citation

  • Torsten Steinrücken, 2008. "Wirtschaftspolitische Grundsätze der Gestaltung von Risikotransfersystemen für Naturgefahren," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 77(4), pages 80-97.
    • Handle: RePEc:diw:diwvjh:77-4-6
    DOI: 10.3790/vjh.77.4.80
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    References listed on IDEAS

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    3. Daniel Kahneman & Amos Tversky, 2013. "Prospect Theory: An Analysis of Decision Under Risk," World Scientific Book Chapters, in: Leonard C MacLean & William T Ziemba (ed.), HANDBOOK OF THE FUNDAMENTALS OF FINANCIAL DECISION MAKING Part I, chapter 6, pages 99-127, World Scientific Publishing Co. Pte. Ltd..
    4. Reimund Schwarze & Gert G. Wagner, 2003. "Marktkonforme Versicherungspflicht für Naturkatastrophen: Bausteine einer Elementarschadenversicherung," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 70(12), pages 183-189.
    5. Wagner, Gert G., 2002. "Brauchen wir eine Zwangsversicherung gegen Elementarschäden? Private Versicherungen können Elementarschäden absichern," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1949 - 2007), ZBW - Leibniz Information Centre for Economics, vol. 82(10), pages 585-588.
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    More about this item

    Keywords

    Naturgefahren; Ordnungspolitik; Naturgefahrenmanagement; Versicherungspfl icht; Risikotransfer; Elementarschadenversicherung; Prävention; Deutschland;
    All these keywords.

    JEL classification:

    • Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters and their Management; Global Warming
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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