Overview
- The upper house approved a government amendment creating a state-backed fund financed by a new line on home, auto with damage or fire coverage, and corporate policies.
- Pricing remains unclear, with media citing about 5% of property‑damage premiums for large risks and the economy ministry reportedly putting it near 2% of the overall bill.
- A qualification commission would decide when an incident counts as an émeute to unlock compensation, weighing the scale of damage, participant numbers and the policing deployment.
- Officials point to tightened insurance terms after costly unrest, with recent riots cited at roughly €730 million in 2023 and around €1 billion in New Caledonia in 2024.
- The measure is not yet law and depends on final passage of the 2026 finance bill, as industry groups warn of higher costs for policyholders and potential state conflicts of interest in managing payouts.