16. According to the Association brings individually ensuring the flood (too) high investment costs. The purchase
of (affordable) reinsurance capacity for an individual insurer impossible. This is partly to do with the fact that there
are for the Dutch situation, no risk model exists and needs to be developed so that high (initial) investment costs.
The Association indicating that insurers the risk that this insurance is unsuccessful (due to the expected low
demand) to large to start, itself a costly development process. For the same reason, according to the Association
large reinsurers and reinsurance brokers at this time no insurance risk model and product have been developed. It
states that the Association joint investment by the cost per individual insurer are lower and that makes collective
purchase of reinsurance capacity procurement significantly cheaper. Insurers consider such an investment, however,
only justified if there is a certain degree of mandatory. For this reason, the construction of insurance the
Association is mandatory.
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