La sinistralité : quelques chiffres


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La conférence de presse de la FFSA, Fédération française des sociétés d’assurances, du 27 juin 2015 a révélé, chiffre inédit, le nombre de sinistres traités par les assureurs l’an dernier : 14 millions, soit pratiquement 40 000/jour.

En habitation, le coût moyen des sinistres est d’environ 1 600 euros mais la facture peut vite s’élever. En 2011, 3 200 incendies ont vu leur coût moyen atteindre 250 000 euros et plus de 60 dégâts des eaux ont vu leur coût moyen s’établir à 155 000 euros.sigonella-81772_1280

Par ailleurs, une augmentation de la fréquence et du nombre d’événements climatiques majeurs a une conséquence évidente sur la sinistralité.

La FFSA et le GEMA ont publié une étude montrant qu’au cours des vingt dernières années, le coût de ces événements climatiques majeurs a atteint 34 milliards d’euros. Ce chiffre devrait doubler d’ici vingt ans, pour s’établir aux alentours de 60 milliards d’euros.

En 2013, outre l’impact des événements climatiques, la sinistralité de l’assurance multirisques habitation est marquée par la poursuite de la hausse du vol et une progression du nombre de sinistres incendie. Les sinistres dégâts des eaux sont en diminution, tout en restant à un niveau élevé (baisse de 3,5 % des fréquences après une hausse de 16 % en 2012). Globalement, la sinistralité (en montant) de la branche se détériore de nouveau (+1 % après +19 % en 2012).

(source : FÉDÉRATION FRANÇAISE DES SOCIÉTÉS D’ASSURANCES)