This summer brought the much-anticipated restart for the household insurance system, through the changes of Law nr.260/2008 regarding the mandatory insurance for catastrophic risks.

The changes, expected by insurance companies (members or non-members of PAID), intermediaries, reinsurers and local authorities, create the premises for increasing the penetration ratio of household insurance, which has reached 43%.

This is the context in which the 10th edition of ICAR 2013 - The International CAtastrophic Risks Forum took place. The event represented a forum for debating the main novelties concerning the mandatory and voluntary household insurance, and the operational aspects which must be readjusted.