64. Assessing the other two conditions, in view of the above, is no longer necessary. About these conditions ACM
notes the following. There could be efficiency gain, but to test this must be better described by the Federation than
is been done right now. However, it is doubtful whether the benefits arising from the efficiency gains, benefit a fair
share of the customers.
To this end, the increased costs of fire insurance compared with the real value of a record flood coverage in fire
insurance for users. In this context it should be noted that a significant proportion of the customers are not in risk
of flooding (for individuals 50 per cent), and thus has no advantage, while they probably share in the cost increase.
Semi-Conclusion
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