New technologies (IOT & Data)


Inflation and Motor Claims

Faced with an economic environment marked by a high inflation since 2022, the effects of inflation on various sectors have become a major concern.

The aim of this note is to present an overview of the findings on the impact of economic inflation on material motor claims and bodily injury claims for the most sensitive damage categories.


Inflation in Construction

This note is dedicated to the specific effects of inflation to the construction industry.

In particular, it discusses the obligation to anticipate the long-term impact of inflation on a sector with long life cycle, as well as the measures and tools that can be used to manage the uncertainties.


Inflation and rising life and health insurance rates

As inflation picks up again from  2022, this note analyses the impact of inflation and rising interest rates on the various risk families from the point of view of the insured, the insurer and the reinsurer. More specifically, it addresses the impact on health, long term care insurance, loan insurance and savings.


Impact of capitalisation scales on reinsurance treaties

The purpose of this video is to provide a comparison of the impact of the choice of capitalisation scale. It offers a comparison based on various practical cases to highlight the differences between the scales and the repercussions of compensating victims in capital. It also highlights the consequences of the reinsurance leverage effect of these scales for an excess of loss treaty.


Reinsurance captives

The Finance Law 2023, and its implementing decree of 7 June, redefined the tax framework for “reinsurance captives” of industrial and commercial companies in France. This note reviews the legal and regulatory status of captive reinsurance companies and details the new tax framework applicable to them. It also compares this new framework with the equalisation reserve framework in force for non-captive reinsurance companies.


Eco-construction: new challenges for insurers and reinsurers

The purpose of this note is to provide an overview of the most recent regulations aimed at promoting Eco-Construction and to measure their various impacts on construction insurance and reinsurance.


Artificial Intelligence in Liability

AI is a technology that is constantly and increasingly present in many economic sectors (agriculture, finance, health or automotive). Its emergence will undoubtedly have consequences on the chain of responsibilities. In the near future, insurers and reinsurers in civil liability, will have to provide suitable solutions that will take into account the disruptions generated by AI.


Fire risks during construction

The past decade has been marked by a succession of significant fires on buildings under construction or renovation. These incidents were due to a lack of preventive measures, rather than technical failures. APREF wanted to analyze the reasons of these incidents and to promote better practices in order to prevent fires during construction.


Motor reinsurance and bodily injury compensation in Europe

Although the principle of full compensation is predominant in Europe, its enforcement is not always identical from one country to another. The note featured in this video, compares eight countries, whose compensation methods differ from those in France. It also explains the impact on reinsurance treaties through various criteria.


Inflation alert

According to the European Central Bank (ECB) and “the Banque de France”, the inflation rate in the Eurozone should be above 6% in 2022. This is an unprecedented rate, since the launch of a common currency twenty years ago. In this note on which the video relies, the APREF tries to alert on the consequences of the inflation for reinsurers, especially in non-proportional business.


New technologies

Over the past decade or so, we have seen an acceleration in the inclusion of new technologies into our daily lives. The key objectives of the note, highlighted in the video, are to provide an overview of current and emerging technologies and to analyze the risks and benefits of each of them in the insurance value chain. More particularly in life and health insurance.


Cyber risk

The reinsurance of Cyber risk is a challenge, as it’s a risk questioning a certain number of fundamental principles of our profession. The note, highlighted in this video, submits seven APREF’ proposals, intended to facilitate the insurance and reinsurance of Cyber risk in France.


Fines and Sanctions

The note introduced by this video provides an overview and a non-exhaustive inventory of fines and sanctions. It presents the issue of the insurability of fines, while highlighting the existing uncertainties. It also highlights the importance of the terminology used in contractual clauses (definition, scope of coverage, etc.).


Covid +1

The consequences of the Covid 19 pandemic affected most sectors of the economy. This crisis has had biometric, social and economic repercussions, and the insurance sector has not been spared. The note, highlighted in this video, synthesizes several studies and analyses conducted on this subject in life and health insurance. Its objective is to continue the reflection with a hindsight of 18 months.


Business secrecy

The protection of corporate confidentiality has become a priority due to the competitive advantages that can be gained from knowing the secrets of one’s competitors. This need for protection has been taken into account, on a European and national level, by the introduction of a 2018 law that allows companies, including reinsurance companies, to benefit from specific protection in this area. The note, highlighted in this video, covers this sensitive topic.