2026 Budget: The government scraps the \u00abriots\u00bb surcharge in favor of a dedicated fund<\/p>\n
The government has decided against imposing a mandatory surcharge on all insurance policies to cover damage caused by riots. Instead, the government plans to create a \u00abriot fund,\u00bb financed by insurers and managed by the Central Reinsurance Fund. This shift prioritizes the regions most at risk, including New Caledonia and the French West Indies.<\/p>\n
A Step Back from the Across-the-Board Surcharge<\/p>\n
This is a significant change in the structure of the 2026 budget. The government will ultimately not implement the across-the-board levy of at least 2 % on auto and home insurance policies, which was initially proposed to cover the damage caused by the riots. Confirming a report in Les \u00c9chos, the French Ministry of Finance (Bercy) stated that this mechanism\u2014deemed socially sensitive and politically risky in an inflationary environment\u2014had been abandoned.<\/p>\n
A \u00abriot fund\u00bb entrusted to the CCR<\/p>\n
Instead, the government wants to create a fund dedicated to riots, financed by insurers and managed by the Caisse centrale de r\u00e9assurance (CCR), a public agency already responsible for covering exceptional risks. According to the French Ministry of Finance, this mechanism is intended to improve compensation for damages while avoiding overly broad pooling of costs, which is perceived as unfair.<\/p>\n
A Deliberate Focus on the Overseas Territories<\/p>\n
The fund is primarily aimed at local governments and businesses located in the hardest-hit regions, particularly New Caledonia and the French West Indies. The Ministry of the Economy refers to a refocusing \u00abfor greater proportionality and efficiency,\u00bb going so far as to describe it as a \u00abbreath of fresh air\u00bb for New Caledonia, which is facing massive damage and stricter insurance conditions.<\/p>\n
Adoption via Section 49.3 and Effects to Watch For<\/p>\n
The measure is included in the spending section of the 2026 budget bill, which was adopted under Article 49.3 of the Constitution. While the elimination of the general surcharge provides relief to policyholders, it does not rule out localized increases in premiums, as insurers may pass on their contribution to the fund to policies in areas deemed high-risk. This is a budgetary and political compromise, the actual impact of which in the overseas territories will depend on the specific implementation details.<\/p>","protected":false},"excerpt":{"rendered":"
Budget 2026 : le gouvernement enterre la surprime \u00ab \u00e9meutes \u00bb au profit d\u2019un fonds d\u00e9di\u00e9 Le gouvernement a renonc\u00e9 \u00e0 instaurer une surprime obligatoire sur l\u2019ensemble des contrats d\u2019assurance pour couvrir les d\u00e9g\u00e2ts li\u00e9s aux \u00e9meutes. \u00c0 la place, l\u2019ex\u00e9cutif pr\u00e9voit la cr\u00e9ation d\u2019un \u00ab fonds \u00e9meutes \u00bb, aliment\u00e9 par les assureurs et g\u00e9r\u00e9<\/p>","protected":false},"author":33,"featured_media":85839,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":"","rank_math_focus_keyword":"","rank_math_title":"","rank_math_description":"","rank_math_canonical_url":"","rank_math_robots":null,"rank_math_facebook_title":"","rank_math_facebook_description":"","rank_math_twitter_title":"","rank_math_twitter_description":""},"categories":[2],"tags":[],"class_list":["post-85838","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts\/85838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/users\/33"}],"replies":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/comments?post=85838"}],"version-history":[{"count":0,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts\/85838\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/media\/85839"}],"wp:attachment":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/media?parent=85838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/categories?post=85838"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/tags?post=85838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}