jiji
火災保険料が、2015年度にも3〜5％程度値上がりする見通しとなった。すべての建物について値上げが行われるのは、1998年の保険料自由化以来初めてのことだという。
2013年は9月にも4個の台風が日本へ接近し、台風27号と28号の接近で、10月の日本に接近した台風は6個と観測史上最高を記録したが、2012年も年間で17個の台風が接近したほか、ゲリラ豪雨、竜巻の発生など自然災害による被害が近年増加している。その影響で、保険金支払いが増え損害保険会社の収支が悪化しているためだ。朝日新聞デジタルが以下のように伝えている。
保険商品でいくら保険料をとるかは、第三者機関の「損害保険料率算出機構」が算出している。各社の保険の収支状況をもとに、毎年基準となる保険料率を見直している。この料率をもとに、損保各社が実際の保険料を決める仕組みだ。
同機構は今年１１月末以降に決める火災保険の料率について、３～５％程度引きあげる方針を固めた。
（朝日新聞デジタル「火災保険料、３～５％値上げへ 自然災害増え収支悪化」 2013/10/23 07:38）
機構は2014年春までに金融庁に改訂を届け出る。認められれば、2015年度にも損保各社が値上げを行う。
MSN産経ニュースによると、契約者は一戸建ての場合、年間1000円〜2000円前後、マンションの場合数百円前後の負担増になるとみられるという。
住宅向けの保険では、すでに地震保険の保険料も2014年の7月以降の新しい契約から全国平均15.5％引き上げられる見通しだ。これは1996年の阪神大震災以来18年ぶりのことだ。
来年度は消費税も8％に増税されるが、地震保険に加え、火災保険も値上げとなれば、家計への負担はさらに厳しくなりそうだ。
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台風26号 被災後の伊豆大島 Google Earth 画像(09 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(10 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(30 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(31 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(32 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(33 of36)
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台風26号 被災後の伊豆大島 Google Earth 画像(34 of36)
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