3 LESSON FROM THE CASES

6.3  Lesson  from  the  cases:  evidence  based  conditions  

In all three national cases, the insurance systems are operating to a greater or lesser extent effectively

i.e. conferring both economic and social benefits. Evidenced by the recent public controversy over

affordable flood insurance premium for high-risk properties the UK free market system is probably the

one with the most difficulties, which may or may not be resolved with the introduction of the insurance

pool, Floor Re, in 2012. Nevertheless, there are important lessons that can be use derive conditions for

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effective private flood insurance that can be applied to the Dutch context. The next section will examine

assimilate practice based evidence from the three case as to what the most important of these

conditions might be.