Other forms of solidarity could emerge, accompanying a profound transformation of the role of the insurance company itself. For Hélène N’Diaye, this will increasingly be a ” guide » and one “observer” who will have made proximity a cardinal value: “closeness to natural phenomena and to the environment that we had completely lost, closeness to people, to what they experience…” Jean-Philippe Dogneton, for his part, believes that insurance companies must become ” “assistants” to meet the needs of members’ lives” and “to be their daily reflex partner. » He also emphasizes the importance of prevention, which according to him allows ” true end-to-end risk reduction and life preservation “and” shows real adaptability “. ” Reciprocals have, by model, this proximity sensitivity. Prevention is not “a plaster on a wooden leg”, as some imagine it, but one of the articulated, structured responses which should be reinforced in the areas, as close as possible to the risk. »
In addition to post-disaster compensation, the Sinoncomma report suggests that insurance companies can support the emergence of non-monetary insurance, for example food or supplies, at the local level. We could thus insure ourselves by giving part of our time to the community, which would help us in return. An idea that Maif has started to implement with its mutual aid platform called PrévEntraide. As former Minister for Spatial Planning and Environment Yves Cochet reminds us in the report, ” the Freemasons did that in the 1900s with local insurance systems. It’s also kind of like what the Amish do, self-insure. » By combining the private and the public, the institutional and the citizen initiative, will the “collapsing world” be able to build more robust insurance models capable of absorbing a risk that has become ubiquitous?
