Выплаты по страхованию имущества в регионе снизились за 5 лет более чем на 20 %
Фото rugrad.eu
С 2013 по 2017 годы выплаты по страхованию имущества в Калининградской области упали на 21,7 %. В то же время количество заключенных договоров страхования имущества в области выросло на 63,5 %: за 5 лет было заключено 278,1 тыс. договоров. В 2017 году наблюдался рост почти на 40 % по сравнению с 2016 годом. Такие данные приводят эксперты проекта «Страхование: Общественная экспертиза» Банка России.
Несмотря на наблюдающийся рост количества заключенных договоров, сборы по страхованию имущества в Калининградской области не увеличиваются в сопоставимых объемах. С 2013 по 2017 год они выросли всего на 6,5 % — до 1,7 млрд руб. В прошлом 2017 году они даже снизились на 20,5 %, что свидетельствует о том, что калининградцы стали приобретать полисы страхования имущества чаще, но при этом дешевле.
Рост количества новых договоров страхования имущества на фоне падения стоимости самих полисов соответствует общероссийской тенденции. По мнению экспертов, это связано с сжатием сегмента страхования имущества юрлиц и одновременным ростом заинтересованности среди физлиц в покупке таких полисов. Бизнес активно сокращает издержки, в том числе за счет отказа от страхования имущества.
«И выплаты, и сборы по страхованию имущества юрлиц пропорционально падают. При этом, как правило, страховые случаи у компаний — гораздо более масштабные, чем у частных владельцев таких полисов. Даже большое количество выплат частным страхователям не сопоставимы с одним таким убытком для страховщика. Таким образом, приток страхователей-физлиц на фоне снижения числа клиентов-юрлиц привел к снижению выплат страховщиков», — считает эксперт проекта Игорь Моржаретто.
Страховые компании, в свою очередь, после кризиса предприняли антикризисные меры в виде значительного снижения стоимости полисов. К примеру, уменьшение числа договоров по страхованию имущества в Калининградской области (– 18 %) и сборов по нему (– 9,1 %) в 2015 году обернулось скачком в региональном сегменте страхования имущества. В следующем 2016 году число новых договоров выросло на 33 %, а объем премий — уже на 26 %.
{"ID":"1065355","~ID":"1065355","TAGS":"имущество, страховые выплаты, договора, страховые компании, бизнес, физлица, страховой случай, полис","~TAGS":"имущество, страховые выплаты, договора, страховые компании, бизнес, физлица, страховой случай, полис","NAME":"Выплаты по страхованию имущества в регионе снизились за 5 лет более чем на 20 %","~NAME":"Выплаты по страхованию имущества в регионе снизились за 5 лет более чем на 20 %","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t С 2013 по 2017 годы выплаты по страхованию имущества в Калининградской области упали на 21,7 %. В то же время количество заключенных договоров страхования имущества в области выросло на 63,5 %: за 5 лет было заключено 278,1 тыс. договоров. В 2017 году наблюдался рост почти на 40 % по сравнению с 2016 годом. Такие данные приводят эксперты проекта «Страхование: Общественная экспертиза» Банка России.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Несмотря на наблюдающийся рост количества заключенных договоров, сборы по страхованию имущества в Калининградской области не увеличиваются в сопоставимых объемах. С 2013 по 2017 год они выросли всего на 6,5 % — до 1,7 млрд руб. В прошлом 2017 году они даже снизились на 20,5 %, что свидетельствует о том, что калининградцы стали приобретать полисы страхования имущества чаще, но при этом дешевле.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Рост количества новых договоров страхования имущества на фоне падения стоимости самих полисов соответствует общероссийской тенденции. По мнению экспертов, это связано с сжатием сегмента страхования имущества юрлиц и одновременным ростом заинтересованности среди физлиц в покупке таких полисов. Бизнес активно сокращает издержки, в том числе за счет отказа от страхования имущества.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «И выплаты, и сборы по страхованию имущества юрлиц пропорционально падают. При этом, как правило, страховые случаи у компаний — гораздо более масштабные, чем у частных владельцев таких полисов. Даже большое количество выплат частным страхователям не сопоставимы с одним таким убытком для страховщика. Таким образом, приток страхователей-физлиц на фоне снижения числа клиентов-юрлиц привел к снижению выплат страховщиков», — считает эксперт проекта Игорь Моржаретто.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Страховые компании, в свою очередь, после кризиса предприняли антикризисные меры в виде значительного снижения стоимости полисов. К примеру, уменьшение числа договоров по страхованию имущества в Калининградской области (– 18 %) и сборов по нему (– 9,1 %) в 2015 году обернулось скачком в региональном сегменте страхования имущества. 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В прошлом 2017 году они даже снизились на 20,5 %, что свидетельствует о том, что калининградцы стали приобретать полисы страхования имущества чаще, но при этом дешевле.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Рост количества новых договоров страхования имущества на фоне падения стоимости самих полисов соответствует общероссийской тенденции. По мнению экспертов, это связано с сжатием сегмента страхования имущества юрлиц и одновременным ростом заинтересованности среди физлиц в покупке таких полисов. Бизнес активно сокращает издержки, в том числе за счет отказа от страхования имущества.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «И выплаты, и сборы по страхованию имущества юрлиц пропорционально падают. При этом, как правило, страховые случаи у компаний — гораздо более масштабные, чем у частных владельцев таких полисов. Даже большое количество выплат частным страхователям не сопоставимы с одним таким убытком для страховщика. 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- Ранее сообщалось, что уровень страховых выплат по итогам 2017 года в Калининградской области достигал 36 %, что ниже общероссийского показателя. Уровень выплат по «Автокаско» — 48 %, что также ниже среднего по стране на несколько процентных пунктов.
Новости по этой теме
