62 INFORMATION REI.ATING TO INSURANCE AND THRIFT 



Administrative Sphere 



Sigmaringen .... 



Hechingen 



Gammertingen . . . 

 Hagerloch .... 



1915 



1914 



1913 



Thanks to the particularly favourable atmospheric conditions, which 

 have prevailed throughout the greater part of the sphere of activity of the 

 Association for Mutual Insurance against Hail of North Germany, and 

 thanks also to the administrative provisions of some years ago for the form- 

 ation of reserve funds, the association has been able, for the first time in 

 twenty years, to avoid a lev}' of additional premiums. 



This result is the more satisfactory because the total sum paid in in- 

 demnities is very high. 



SWITZERLAND. 



INSURANCE AGAINST HAIIy IN 1915. — Schweizerisches Finanz-Jahrbuch, 1916, 17th 

 year, Beine, Neiimann and Ziinmemiann, 1916. 



We have already in another issue of this Review dealt with the Swiss 

 Financial Yearbook for 1916, the sixth part of which is given up to insur- 

 ance. Of the different branches of insurance — life, accident, fire and 

 transport insurance and reinsurance — it is insurance against hail which 

 furnishes the facts most interesting to us. This form of insurance, which 

 we have studied in numerous articles in this Review (i), has its place in 

 this yearbook. 



As is already known insurance against hail is afforded in Switzerland 

 by two mutual aid societies : the Schweizerische H agel-Versicherungsge- 

 sellschaft of Zurich and the Paragrele of Neuchatel. The former of these 

 extends its activities over the whole territory of the Confederation and in- 

 sures all agricidtural products against the risks of hail ; the latter Umits 

 its action to the canton of Neuchatel where moreover it insures only vine-, 

 yards against hail. 



(i) Monthly Bulletin of Economic and Social Intelligence, November 1915, " Agricixllural 

 Insurance in Switzerland in 1913 ". 



