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澳大利亚竞争和消费者委员会:2024年澳大利亚保险业监测报告-飓风及相关洪水损害再保险池实施后的第三份报告(英文版)(94页).pdf

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1、Insurance monitoringSeptember 2024Third report following the introduction of a cyclone and cyclone-related flood damage reinsurance pooliiACCC|Insurance monitoring report|September 2024Acknowledgment of countryThe ACCC acknowledges the traditional owners and custodians of Country throughout Australi

2、a and recognises their continuing connection to the land,sea and community.We pay our respects tothem and their cultures;and to their Elders past,present and future.Australian Competition and Consumer Commission Land of the Ngunnawal people 23 Marcus Clarke Street,Canberra,Australian Capital Territo

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本文是澳大利亚竞争和消费者委员会(ACCC)关于2024年9月飓风和飓风相关洪水损害再保险池的第三次监测报告。报告的主要内容包括: 1. 飓风再保险池已经开始为面临更高飓风风险的一些消费者提供部分保费减免,但总体上保费仍然很高,且在全国范围内普遍上升。 2. 报告发现,再保险池为在澳大利亚高飓风风险地区的保险公司减少了再保险成本,但其他成本因素(如全球再保险市场硬化、极端全球天气事件、建筑材料和劳动力价格上涨等)导致总体成本上升。 3. 保险公司正在调整其系统和方法,以使从再保险池获得的节省更好地传递给消费者。一些保险公司正在实施一对一的方法,将他们从澳大利亚再保险池公司收取的实际再保险费率传递给消费者。 4. 尽管再保险池的早期影响,许多消费者仍然面临非常高的,通常是上升的保费。2023年,北部澳大利亚的家庭、公寓和小企业保险费率仍然远高于澳大利亚其他地区。 5. 报告还指出,再保险池的目的是为私人(家庭级)风险减轻提供激励,以鼓励飓风和相关洪水的减轻。一些保险公司已经开始认可与飓风风险相关的私人减轻措施,并采取措施将其纳入定价方法。
政府飓风再保险池是否降低了保险费? 保险公司在飓风再保险池中如何转嫁成本节省? 飓风再保险池是否提高了北部澳大利亚的保险可及性?
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