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Contribution de l'information géographique aux métiers de l'assurance pour la gestion des événements d'ampleur

Abstract : The use of geographical information by an insurance company appears to be a valuable asset in a mature business disturbed by ceaseless extreme events. The chosen approach aims to show the usefulness of this specific information at all levels of the insurance chain value (underwriting, claims management, cumulative risk and reinsurance). We show that the use of geographic information and its associated techniques opens up many development paths for the insurance industry. The first one is to estimate the cost of an extreme event to meet the requirements imposed by legislator (Solvency 2) and offer some thoughts about the need of financial protection. The second aims at strengthening the level of protection against natural hazards, where the insurance scheme is limited by CatNat's law and is not involved. This consists in creating additional and innovative insurance products acting in a vague and sometimes incomplete system. The third is part of a policyholders accompanying perspective by informing them of the latent risks to which they are subjected, furthermore providing them preventive advice against risks which are often underestimated and usually do not benefit from attention and de facto, the way to prepare for them.
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Submitted on : Monday, October 15, 2012 - 3:16:59 PM
Last modification on : Tuesday, October 18, 2022 - 11:02:09 AM
Long-term archiving on: : Wednesday, January 16, 2013 - 3:39:01 AM

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  • HAL Id : tel-00741931, version 1

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Arnaud Donguy. Contribution de l'information géographique aux métiers de l'assurance pour la gestion des événements d'ampleur. Autre. Ecole Nationale Supérieure des Mines de Paris, 2012. Français. ⟨NNT : 2012ENMP0020⟩. ⟨tel-00741931v1⟩

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