{"id":9639,"date":"2021-03-17T12:56:02","date_gmt":"2021-03-17T11:56:02","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=9639"},"modified":"2023-02-28T16:51:02","modified_gmt":"2023-02-28T15:51:02","slug":"mapfre-improves-its-fossil-exclusion-policy-on-the-insurance-side","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/en\/2021\/03\/17\/mapfre-improves-its-fossil-exclusion-policy-on-the-insurance-side\/","title":{"rendered":"MAPFRE improves its fossil exclusion policy on the insurance side"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p style=\"text-align: justify;\"><b style=\"font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing); color: #8ac56b;\"><span style=\"color: #8ac56b;\">MAPFRE, a key Spanish insurer with \u20ac55 billions assets under management, has adopted <\/span><u><a style=\"color: #8ac56b;\" href=\"https:\/\/www.mapfre.com\/media\/shareholders\/2021\/integrated-report-2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">new fossil fuel exclusion criteria<\/a><\/u><span style=\"color: #e5e3e3;\"><span style=\"color: #8ac56b;\"> during its <\/span><u><a style=\"color: #8ac56b;\" href=\"https:\/\/www.mapfre.com\/en\/general-meeting\/\" target=\"_blank\" rel=\"noopener noreferrer\">2021 annual general meeting<\/a><\/u><span style=\"color: #8ac56b;\">. Lagging behind other European insurance c<\/span><\/span><span style=\"color: #8ac56b;\">ompanies with a relatively weak coal policy, MAPFRE only marginally catches up with its peers and remains far from adopting a robust coal exit policy, such as that of AXA. <\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><b style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><span style=\"color: #59bc6d;\">1. <\/span><span style=\"color: #e5e3e3;\"><strong><span style=\"color: #59bc6d;\">What&rsquo;s new<\/span><\/strong><\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">While <strong>n<\/strong><\/span><b><span data-contrast=\"auto\">o change is made <\/span><\/b><span data-contrast=\"auto\">regarding <\/span><span data-contrast=\"auto\">MAPFRE<\/span><span data-contrast=\"auto\">\u2019s investments restrictions<\/span><span data-contrast=\"auto\">, <\/span><b><span data-contrast=\"auto\">several changes are outlined below regarding its insurance <\/span><\/b><b><span data-contrast=\"auto\">activities<\/span><\/b><span data-contrast=\"auto\">: <\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Regarding<\/span> <span data-contrast=\"auto\">the coverage of specific projects<\/span><span data-contrast=\"auto\">, MAPFRE <\/span><b><span data-contrast=\"auto\">extend<\/span><\/b><b><span data-contrast=\"auto\">s<\/span><\/b><b><span data-contrast=\"auto\"> its exclusion policy to <\/span><\/b><b><span data-contrast=\"auto\">new <\/span><\/b><b><span data-contrast=\"auto\">infrastructure <\/span><\/b><b><span data-contrast=\"auto\">projects,<\/span><\/b> <span data-contrast=\"auto\">in addition to new coal mining and coal power projects<\/span><span data-contrast=\"auto\"> (with exceptions<\/span><span data-contrast=\"auto\">)<\/span><span data-contrast=\"auto\">;<\/span><\/li>\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Regarding<\/span><span data-contrast=\"auto\"> the coverage of coa<\/span><span data-contrast=\"auto\">l companies, MAPFRE now excludes:<\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">new mining companies extracting over 20Mt of thermal coal a year or generating more than 30% of their revenues from thermal <\/span><\/b><b><span data-contrast=\"auto\">coal;<\/span><\/b><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">companies <\/span><\/b><b><span data-contrast=\"auto\">that plan over 2GW of coal <\/span><\/b><b><span data-contrast=\"auto\">power<\/span><\/b><b><span data-contrast=\"auto\">;<\/span><\/b><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">c<\/span><\/b><b><span data-contrast=\"auto\">ompanies deriving more than 30% of their <\/span><\/b><b><span data-contrast=\"auto\">revenues<\/span><\/b><b><span data-contrast=\"auto\"> from coal power <\/span><\/b><b><span data-contrast=\"auto\">generation<\/span><\/b><b><span data-contrast=\"auto\">.<\/span><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">A<\/span><span data-contrast=\"auto\">doption of a<\/span> <span data-contrast=\"auto\">coal phase-out commitment by 2030 <\/span><span data-contrast=\"auto\">in Europe\/2040 worldwide, <\/span><span data-contrast=\"auto\">unless<\/span><span data-contrast=\"auto\"> companies have <\/span><span data-contrast=\"auto\">\u201cimplemented commitments with the energy transition and decarbonizatio<\/span><span data-contrast=\"auto\">n\u201d.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">Beyond coal, <\/span><span data-contrast=\"auto\">MAPFRE has <\/span><span data-contrast=\"auto\">commit<\/span><span data-contrast=\"auto\">ted<\/span><span data-contrast=\"auto\"> to <\/span><b><span data-contrast=\"auto\">no<\/span><\/b><b><span data-contrast=\"auto\"> longer<\/span><\/b><b><span data-contrast=\"auto\"> underwri<\/span><\/b><b><span data-contrast=\"auto\">te<\/span><\/b><b><span data-contrast=\"auto\"> any new<\/span><\/b><b><span data-contrast=\"auto\"> tar sands<\/span><\/b> <b><span data-contrast=\"auto\">extraction <\/span><\/b><b><span data-contrast=\"auto\">or transportation<\/span><\/b> <b><span data-contrast=\"auto\">project<\/span><\/b><b><span data-contrast=\"auto\">s<\/span><\/b><span data-contrast=\"auto\">,<\/span> <span data-contrast=\"auto\">and<\/span><span data-contrast=\"auto\"> that its portfolio will not have any insurance projects related to the extraction or transportation of tar sands<\/span><span data-contrast=\"auto\"> by 2030<\/span><span data-contrast=\"auto\">. <\/span><b><span data-contrast=\"auto\">It will also stop insuring <\/span><\/b><b><span data-contrast=\"auto\">A<\/span><\/b><b><span data-contrast=\"auto\">r<\/span><\/b><b><span data-contrast=\"auto\">c<\/span><\/b><b><span data-contrast=\"auto\">tic-related projects<\/span><\/b><span data-contrast=\"auto\">.<\/span><\/p>\n<div>\n<p style=\"text-align: justify;\"><strong><span style=\"color: #59bc6d;\">2. <\/span><span class=\"TextRun SCXW224577788 BCX0\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW224577788 BCX0\" style=\"color: #59bc6d;\"><span class=\"TextRun MacChromeBold SCXW242744655 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242744655 BCX0\">Our analysis: <span class=\"TextRun SCXW197782314 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW197782314 BCX0\">too little, too late<br \/>\n<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">On coal<\/span><\/b><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">MAPFRE<\/span><span data-contrast=\"auto\">\u2019s decision to <\/span><span data-contrast=\"auto\">stop <\/span><span data-contrast=\"auto\">insuring<\/span><span data-contrast=\"auto\"> new <\/span><span data-contrast=\"auto\">coal related <\/span><span data-contrast=\"auto\">infrastructure projects<\/span><span data-contrast=\"auto\">, on top of new coal mines or plants, <\/span><span data-contrast=\"auto\">is<\/span><span data-contrast=\"auto\"> welcome,<\/span> <span data-contrast=\"auto\">considering the importance of <\/span><span data-contrast=\"auto\">such projects in <\/span><span data-contrast=\"auto\">opening<\/span><span data-contrast=\"auto\"> new coal reserves<\/span><span data-contrast=\"auto\">.<\/span> <span data-contrast=\"auto\">Ho<\/span><span data-contrast=\"auto\">wever, it is disappointing MAPFRE did not remove the possibility to have case-by-case e<\/span><span data-contrast=\"auto\">xceptions, given that it has not <\/span><span data-contrast=\"auto\">used<\/span><span data-contrast=\"auto\"> such an option for the past two years. <\/span><\/p>\n<p style=\"text-align: justify;\"><b><span data-contrast=\"auto\">However, when it comes to companies developing such projects, the restrictions are <\/span><\/b><b><span data-contrast=\"auto\">highly insufficient<\/span><\/b><span data-contrast=\"auto\">.<\/span> <span data-contrast=\"auto\">According to the GCEL, 196 companies are planning less than 2GW of new coal capacity, for a total of 160 GW of new coal capacity. Moreover, <\/span><span data-contrast=\"auto\">M<\/span><span data-contrast=\"auto\">APFRE <\/span><span data-contrast=\"auto\">fails to exclude <\/span><span data-contrast=\"auto\">the <\/span><span data-contrast=\"auto\">364<\/span> <span data-contrast=\"auto\">other c<\/span><span data-contrast=\"auto\">oal developers, which are either planning new coal mines or new coal infrastructures. <\/span><span data-contrast=\"auto\">MAPFRE would benefit from <\/span><span data-contrast=\"auto\">replicating<\/span><span data-contrast=\"auto\"> the <\/span><span data-contrast=\"auto\">science-based <\/span><span data-contrast=\"auto\">policy of <\/span><span data-contrast=\"auto\">AXA, <\/span><span data-contrast=\"auto\">of zero tolerance <\/span><span data-contrast=\"auto\">in regard to<\/span><span data-contrast=\"auto\"> coal expansion<\/span><span data-contrast=\"auto\">. <\/span><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">We<\/span> <span data-contrast=\"auto\">welcome the progress<\/span><span data-contrast=\"auto\"> made<\/span><span data-contrast=\"auto\"> by <\/span><b><span data-contrast=\"auto\">aligning restrictions of <\/span><\/b><b><span data-contrast=\"auto\">the insurer <\/span><\/b><b><span data-contrast=\"auto\">MAPFRE on MAPFRE<\/span><\/b><b><span data-contrast=\"auto\">\u2019s investments<\/span><\/b><b><span data-contrast=\"auto\"> regarding exclusion thresholds<\/span><\/b><b><span data-contrast=\"auto\">,<\/span><\/b><b><span data-contrast=\"auto\"> but believe <\/span><\/b><b><span data-contrast=\"auto\">these <\/span><\/b><b><span data-contrast=\"auto\">criteria are<\/span><\/b> <b><span data-contrast=\"auto\">clearly <\/span><\/b><b><span data-contrast=\"auto\">insufficient,<\/span><\/b><b><span data-contrast=\"auto\"> especially since they only apply to new clients on the mining side<\/span><\/b><b><span data-contrast=\"auto\">. <\/span><\/b><span data-contrast=\"auto\">This<\/span> <span data-contrast=\"auto\">mak<\/span><span data-contrast=\"auto\">es <\/span><span data-contrast=\"auto\">MAPFRE&rsquo;s policy inadequate to address the current climate emergency<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> There <\/span><span data-contrast=\"auto\">is<\/span><span data-contrast=\"auto\"> indeed <\/span><b><span data-contrast=\"auto\">no restriction over the biggest coal power producers <\/span><\/b><span data-contrast=\"auto\">regardless of their size, <\/span><span data-contrast=\"auto\">and <\/span><span data-contrast=\"auto\">only <\/span><b><span data-contrast=\"auto\">a <\/span><\/b><b><span data-contrast=\"auto\">lax restriction<\/span><\/b><b><span data-contrast=\"auto\"> for <\/span><\/b><b><span data-contrast=\"auto\">new <\/span><\/b><b><span data-contrast=\"auto\">mining companies<\/span><\/b> <span data-contrast=\"auto\">(maximum 20Mt a year<\/span><span data-contrast=\"auto\"> for new customers<\/span><span data-contrast=\"auto\">)<\/span><span data-contrast=\"auto\">. <\/span><span data-contrast=\"auto\">Also, <\/span><b><span data-contrast=\"auto\">MAPFRE has decided to use <\/span><\/b><b><span data-contrast=\"auto\">a<\/span><\/b><b><span data-contrast=\"auto\"> maximum <\/span><\/b><b><span data-contrast=\"auto\">threshold <\/span><\/b><b><span data-contrast=\"auto\">30% of revenues linked to coal<\/span><\/b> <b><span data-contrast=\"auto\">but<\/span><\/b><b><span data-contrast=\"auto\"> uses the wrong metric<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> By using revenues instead of the coal share of power production, <\/span><span data-contrast=\"auto\">this exclusion <\/span><span data-contrast=\"auto\">criterion<\/span> <span data-contrast=\"auto\">does<\/span><span data-contrast=\"auto\"> not reflect as precisely <\/span><span data-contrast=\"auto\">the <\/span><span data-contrast=\"auto\">actual dependence of companies on coal power.<\/span><\/p>\n<p style=\"text-align: justify;\"><b><span data-contrast=\"auto\">The<\/span><\/b> <b><span data-contrast=\"auto\">third <\/span><\/b><b><span data-contrast=\"auto\">main weakness of MAPFRE policy<\/span><\/b> <b><span data-contrast=\"auto\">is <\/span><\/b><b><span data-contrast=\"auto\">the absence of<\/span><\/b><b><span data-contrast=\"auto\"> an effective<\/span><\/b><b><span data-contrast=\"auto\"> clear phase-out commitment<\/span><\/b><b><span data-contrast=\"auto\">. <\/span><\/b><span data-contrast=\"auto\">MAPFRE <\/span><span data-contrast=\"auto\">does commit <\/span><span data-contrast=\"auto\">to <\/span><span data-contrast=\"auto\">coal phase out by 2030 in Europe, 2040 in the rest of the world, but allows <\/span><span data-contrast=\"auto\">companies to opt out by simply publishing <\/span><span data-contrast=\"auto\">a<\/span> <span data-contrast=\"auto\">\u201c<\/span><span data-contrast=\"auto\">transition commitment<\/span><span data-contrast=\"auto\">\u201d<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> By not defining further what it will <\/span><span data-contrast=\"auto\">exactly <\/span><span data-contrast=\"auto\">require from companies, MAPFRE leaves many<\/span><span data-contrast=\"auto\"> questions unanswered regarding the seriousness of its coal phase out strategy. <\/span><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">The fact that this new policy <\/span><b><span data-contrast=\"auto\">does not cover the reinsurance activities of MAPFRE<\/span><\/b><span data-contrast=\"auto\"> is also problematic. <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\" data-contrast=\"auto\">Considering all these elements,<\/span> <b style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><span data-contrast=\"auto\">MAPFRE still fall short of adopting a robust coal policy.<\/span><\/b><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">On oil &amp; gas<\/span><\/b><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">On oil &amp; gas, we welcome the decision of <\/span><b><span data-contrast=\"auto\">MAPFRE to stop underwriting new tar sands projects<\/span><\/b><b><span data-contrast=\"auto\">, including pipelines,<\/span><\/b><span data-contrast=\"auto\"> and to<\/span> <span data-contrast=\"auto\">end the coverage<\/span><span data-contrast=\"auto\"> of <\/span><span data-contrast=\"auto\">all existing ones by 2030. <\/span><span data-contrast=\"auto\">It will <\/span><b><span data-contrast=\"auto\">also stop <\/span><\/b><b><span data-contrast=\"auto\">the coverage of <\/span><\/b><b><span data-contrast=\"auto\">all<\/span><\/b><b><span data-contrast=\"auto\"> projects<\/span><\/b><b><span data-contrast=\"auto\"> north of the <\/span><\/b><b><span data-contrast=\"auto\">Artic<\/span><\/b><b><span data-contrast=\"auto\"> circle<\/span><\/b><span data-contrast=\"auto\">. <\/span><b><span data-contrast=\"auto\">However, this leaves aside other <\/span><\/b><b><span data-contrast=\"auto\">unconventional<\/span><\/b><b><span data-contrast=\"auto\"> and most pollu<\/span><\/b><b><span data-contrast=\"auto\">t<\/span><\/b><b><span data-contrast=\"auto\">ing oil &amp; gas projects<\/span><\/b><span data-contrast=\"auto\"> (fracking, <\/span><span data-contrast=\"auto\">Deepwater<\/span><span data-contrast=\"auto\">, LNG)<\/span><span data-contrast=\"auto\">. This is clearly <\/span><span data-contrast=\"auto\">insufficient<\/span><span data-contrast=\"auto\"> since MAPFRE<\/span> <span data-contrast=\"auto\">will still be able to <\/span><span data-contrast=\"auto\">support oil &amp; gas expansion<\/span><span data-contrast=\"auto\"> projects and developing companies<\/span> <span data-contrast=\"auto\">unlike Suncorp or Generali that have adopted stricter policies<\/span><span data-contrast=\"auto\">. <\/span><\/p>\n<p style=\"text-align: center;\"><span data-contrast=\"auto\"><b>MAPFRE\u2019s Scores in the Coal Policy Tool <\/b><br \/>\n<\/span><\/p>\n<\/div>\n<div><\/div>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-max-width:800px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"http:\/\/coalpolicytool.org\" target=\"_blank\" aria-label=\"MAPFRE Coal Policy Tool Scores\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"900\" height=\"400\" src=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2.png\" alt class=\"img-responsive wp-image-15477\" srcset=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2-200x89.png 200w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2-400x178.png 400w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2-600x267.png 600w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2-800x356.png 800w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/09\/MAPFRE-Coal-Policy-Tool-Scores-2.png 900w\" sizes=\"(max-width: 800px) 100vw, 900px\" \/><\/a><\/span><\/div><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;\"><i>This table presents the coal scores of MAPFRE based on five criteria of the Coal Policy Tool <\/i><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: justify;\"><b><span style=\"color: #59bc6d;\">3. Our c<\/span><\/b><strong><span style=\"color: #59bc6d;\">onclusion<\/span> <\/strong><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\">By reviewing its coal p<span style=\"color: #8ac56b;\">olicy, MAPFRE Insurances only marginally improves its ranking in the coal policy tool, by extending its exclusion criteria for developers.<span style=\"color: #8ac56b;\"> It does not make any improvement on its investment policy. <\/span><\/span><\/b><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\"><span style=\"color: #8ac56b;\">However, its exclusion thresholds are<\/span><span style=\"color: #8ac56b;\"> clearly insufficient and its restrictions over the insuring of coal developers are too permissive to be Paris-aligned. Another issue is the a<\/span>bsence of a tangible coal phase-out strategy. There is therefore a lot of room for improvement. <\/b><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\">MAPFRE also need to urgently strengthen its oil &amp; gas exclusion policy, starting by ending its financial support towards developers, especially of non-conventional hydrocarbons<\/b><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:10px;--awb-padding-right:10px;--awb-padding-left:10px;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:#59bc6d;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:10px 10px 10px 10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><div style=\"text-align: justify;\">\n<p><b style=\"color: #59bc6d;\">Find out more:<\/b><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span class=\"TextRun SCXW65652988 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW65652988 BCX0\">Link to <u><a href=\"https:\/\/www.mapfre.com\/media\/shareholders\/2021\/integrated-report-2020.pdf\">MAPFRE&rsquo;s Integrated Report 2020<\/a><\/u><\/span><\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/reclaimfinance.org\/site\/en\/coal_policy_tool\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>The Coal Policy Tool<\/u><\/a><\/li>\n<\/ul>\n<\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":28,"featured_media":12076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[222],"tags":[439,413],"acteurs_financiers":[2440],"thematique":[2421,2423,2419],"webinar_type":[],"programme":[],"class_list":["post-9639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_en","tag-coal-policy-tool-en","tag-oil-and-gas","acteurs_financiers-insurers","thematique-coal","thematique-fossil-fuels","thematique-oil-and-gas-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MAPFRE improves its fossil exclusion policy on the insurance side - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"Reclaim Finance analysis on MAPFRE&#039;s new 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