Conséquences du changement climatique sur la pollution de l'air et impact en assurance de personnes

Air pollution is the co-occurrence of high pollutant emissions and particular meteorological conditions. Among its pollutants, fine particles (PM2.5 and PM10), Nitrogen Oxide (NOx) and Ozone (O3) are the most dangerous for public health. Every year, repeated or prolonged exposure to these particles leads to respiratory and cardiovascular diseases, cancer and premature death in those exposed. Climate change has an impact on meteorological variables (temperature, pressure, winds, precipitation, etc.) that affect air quality (emissions, precipitation leaching, gas/particle balance, etc.). The objective of this synthesis report is to provide a study to shed light on the consequences of air quality variation as a function of climate change and emissions in the near future (horizons2030 and 2050), in particular on the climate scenario RCP (Representative Concentration Pathway) 8.5 which describes an absence of climate change policies (Riahi et al., 2011). Within the framework of this synthesis report, we are committed to: - Communicating a qualitative assessment of the variation in the main pollutants, particularly in France; - Where possible, quantifying the impact in urban agglomerations; - Studying in particular the future modification of ozone (O3), coarse particles (PM10), fine particles (PM2.5) and nitrogen oxides (NOx). -translating impacts into additional claims experience for insurance cover poposed under personal insurance contracts.