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INSURANCE LAW

Since the first semester of 2019, the insurance market started an upward trend in Europe: prices have increased, and covers have been more limited. In this context, insurance companies have been reviewing their contracts and programs to the detriment of policyholders, who experienced broader limitations and poorer covers since 2020. We published a synthetic study on this subject in May 2020; here is an update.

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INSURANCE LAW

The insurance market has been growing steadily, as you know, for more than two years now. The trend will continue to intensify at the end of 2021 for the January 1st contract renewal season.
In order not to suffer from such important increases, which are often presented as inevitable, insured companies wishing to do so, must prepare before the summer the competition from their intermediaries (brokers and managers), before (or sometimes at the same time) that of insurers.

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INSURANCE LAW

On February 3rd, 2021, the underwriting agency Centrix announced its decision to join the Managing General Agents Association (MGAA) – the only association in the UK that represents and promotes the Managing General Agents (MGA) industry and its members. “A natural choice,” according to the newly created MGA (2019) fancying to expand its presence in the London market.

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INSURANCE LAW

The second lockdown has stopped or considerably slowed down the activity of many economic sectors that had already been severely affected since the beginning of the covid-19 crisis. Many companies in most countries have already declared a claim to their insurer about the business interruption coverage provided in their insurance contracts.

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INSURANCE LAW

All over the world, the economic crisis unleashed by the outbreak of covid-19 is hurting economies, regardless of income level. According to World Bank forecasts, the global economy will shrink by 5.2% this year.

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International law

Depositors v. Lebanese banks: the Court of Cassation grants access to French courts to consumers – bank depositors – provided they are resident in France at the time of the summons.

Cass. civ. 1, 25 March 2026, No. 24-21.422— Cass. civ. 1, 25 March 2026, No. 24-21.790, published in the Bulletin and Report of the Court of Cassation

The Lebanese banking crisis, which erupted in autumn 2019 and deprived hundreds of thousands of depositors of access to their assets, continues to fuel litigation regarding depositors’ access to French courts. It is against this backdrop that the First Civil Chamber of the Court of Cassation delivered, on 25 March 2026, two landmark judgments published in the Bulletin and Report of the Court of Cassation, which establish the rule that a consumer has access to the French courts if they are domiciled in France on the date of the summons, notwithstanding a jurisdiction clause designating the Lebanese court.

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INSURANCE LAW

The decree of December 10, 2025, does not regulate “the” financing of lawsuits by third parties. In fact, it establishes two distinct systems. On the one hand, there is regulated, public, and supervised financing. On the other hand, there is financing that remains unregulated.

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INSURANCE LAW

The fire at Le Constellation bar on New Year's Eve in Crans-Montana, Switzerland, raises not only the issue of human tragedy, but also the question of liability and financial responsibility on the part of the insurance companies involved. However, Axa is both the bar's and the municipality's insurer. This is a double exposure that the group could have done without, even if it remains minimal in terms of its finances.

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INSURANCE LAW

As highlighted by the riots in May and June 2024 in New Caledonia, insurers only have recourse against the State once they have compensated their policyholders. The creation of a “Riots” scheme, introduced into the 2026 Finance Bill by the Senate and rejected by the National Assembly, could reshuffle the deck.

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INSURANCE LAW

At a time when Getlink is set to receive €55 million from insurers for the suspension of its high-voltage electricity connection business, experience shows that business interruption coverage is often poorly calibrated. Ancillary costs or estimates below value—there are many pitfalls to avoid.

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INSURANCE LAW

The tightening that has been experienced by the insurance market since 2017 is bringing some contractual practices back to the forefront to seal interim agreements. Each of them has its benefits…and its dangers !