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Informe Mundial de Seguros de No-Vida 2022

Las aseguradoras enfocadas en el futuro ven el cambio climático como una oportunidad

El cambio climático está afectando significativamente a las personas y las empresas. Las pérdidas aseguradas por catástrofes naturales han aumentado un 360 % en los últimos 30 años. Ha cambiado la cobertura tradicional, la suscripción y la dinámica de inversión a medida que los asegurados buscan protección y tranquilidad. Las aseguradoras deben posicionarse para generar una confianza más profunda en el cliente y ofrecer soluciones personalizadas adaptadas a las necesidades individuales.

Aspectos destacados del Informe mundial de seguros de propiedad y accidentes de 2022 de Capgemini y Qorus de 270 ejecutivos de seguros y casi 5000 consumidores:

Los asegurados son conscientes del cambio climático; El 73% lo clasifica entre sus principales preocupaciones.

Las aseguradoras están en sintonía con los clientes. Aproximadamente el 40 % clasifica el cambio climático como una de las principales prioridades y la rentabilidad y la asegurabilidad emergen como problemas principales.

Si bien la mayoría de las aseguradoras reconocen el impacto del cambio climático, muchas aún tienen que desarrollar una estrategia de resiliencia climática.

Key highlights

Highlight 1

Climate change is fundamentally altering policyholder behavior

Climate change emerged as policyholders’ second-highest concern (73%), behind COVID-19 in our Voice of Customer survey. Climate change has upended traditional coverage dynamics and today’s policyholders seek protection and peace of mind more than ever. More than 80% of individual and commercial clients have taken at least one sustainable action over the last 12 months – including activities as small as walking versus driving and as significant as investing in resilient structural infrastructure.

Most insurers are beginning their resilience journey

To understand insurance carriers’ maturity in the journey towards climate resiliency, we interviewed 270 insurance executives worldwide. Our conversations revealed that only 8% were on the fast track. We call these future-focused insurers Resilience Champions. For many other players, the opportunity is to be fast followers and turn their commitments into actions.

Resilience champions are leading the way in accessing new data sources

While the industry has taken significant steps in accessing new data sources, the opportunity to secure deeper insights from the data is not fully leveraged. However, Resilience Champions are leading the way here, too, with nearly 53% accessing more than six new data sources, including satellite data, remote sensors, weather stations, geo-data, social media data, ESG models, and water levels.

Embed climate resiliency in corporate strategy to future-proof business

Insurers seeking to boost policyholder resilience need a customer journey featuring best-in-class engagement and optimal outcomes. Firms that successfully carry out this complex transformation will strengthen their relevance and profitability and authentically contribute to one of the most significant modern-day challenges. Below mentioned are the key steps to drive climate resiliency.

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    Executive Steering Committee


    Hans De Cuyper
    AGEAS Group
    François Lanavère
    Head, Sales and Business Dev
    AXA Climate
    Kate Lyons
    Group Head of Sustainability
    Hanno Mijer
    Global Head
    Zurich Resilience Solutions
    Kimberly Palatnick
    VP, Strategy & Sustainability
    Dipak Sahoo
    Regional CIO, Asia


    Nick Allain
    Head of Marketing
    Joe Paluska
    One Concern
    Nigel Walsh
    Managing Director
    Insurance, Google


    Simon Torrance
    Industry Expert

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