Кризис рынка ОСАГО: обзор RUGRAD.EU

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{"ID":"673475","~ID":"673475","TAGS":"осаго, страхование, автомобильный транспорт, платежи, страховые компании","~TAGS":"осаго, страхование, автомобильный транспорт, платежи, страховые компании","NAME":"Кризис рынка ОСАГО: обзор RUGRAD.EU","~NAME":"Кризис рынка ОСАГО: обзор RUGRAD.EU","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"829","~IBLOCK_SECTION_ID":"829","DETAIL_TEXT":"\r\n\u003Cp\u003EКак отмечают эксперты в области страхования, одной из основных причин сложившейся ситуации стала зашкаливающая убыточность ОСАГО, которая вынуждает страховщиков искать способы снижения затрат. Тарифы ОСАГО не пересматривались 10 лет, а парк Калининградской области состоит сплошь из иномарок, стоимость запчастей на которые привязана к курсу валюты. Инфляция, изменения валютного курса, рост стоимости работ в сервисных центрах, увеличение страховой суммы по жизни и здоровью в рамках полиса ОСАГО за эти 10 лет \u0026laquo;съели\u0026raquo; весь тариф и сделали этот вид страхования убыточным для игроков рынка. Кроме того, сегодня, благодаря несовершенству законодательства, судебные иски в сфере страхования стали прибыльным бизнесом, нередко с криминальным оттенком. Еще год назад крупнейшие компании - члены Российского союза автостраховщиков предупредили, что если дисбаланс между тарифом и объемом обязательств страховщиков не будет устранен путем корректировки тарифа, они будут вынуждены снижать свое присутствие в наиболее убыточных регионах. Однако за год ничего не изменилось в лучшую сторону, и сегодня ОСАГО работает на пределе возможностей. Как \u003Ca href=\u0022www.finmarket.ru\/insurance\/?nt=1\u0026id=3662960\u0022 \u003Eотмечает\u003C\/a\u003E информационное агентство «Финмаркет», в результате даже крупные международные страховые холдинги с трудом справляются с национальными особенностями российского автострахования; еще труднее средним и мелким отечественным компаниям. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EЕсли говорить о статистических данных, российские страховщики в прошлом году собрали 134,25 млрд руб. премий по ОСАГО, что на 10,2% превышает показатель 2012 года, при этом темп роста выплат опережает темп роста сборов. Но реальная убыточность страховщиков не ограничивается только объемом выплат: есть еще выплаты по судам, есть резервы для производства выплат в будущем - общую картину отражает так называемый комбинированный коэффициент убыточности, который по ОСАГО давно уже перешел планку 95%, а по некоторым регионам превышает 100 и даже 110%. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EЕсли посмотреть на рынок ОСАГО в региональном разрезе, то можно увидеть неоднородное развитие. Особенно остро стоит проблема нехватки территориальных коэффициентов в некоторых регионах. В последнее время выделился ряд регионов, где местные страховые компании давно свернули деятельность по ОСАГО, а крупнейшие страховщики федерального уровня пока работают себе в убыток, с нетерпением ожидая корректировки тарифа. Не будет преувеличением сказать, что сегодня раздражение не скрывается уже всеми участниками рынка. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EВ результате операторы, которые в прошлом активно наращивали долю ОСАГО в своем портфеле, сегодня оказались в проблемной ситуации. Как \u003Ca href=\u0022http:\/\/www.vedomosti.ru\/finance\/news\/23510881\/guta-strahovanie-uhodit-s-rynka-prajm\u0022 \u003Eписала газета\u003C\/a\u003E «Ведомости», компания \u0026quot;Гута-Страхование\u0026quot;, входящая в ТОП-20 крупнейших российских страховщиков, приняла решение свернуть свою деятельность к июню текущего года. До калининградского офиса компании уже сейчас невозможно дозвониться, указанные на официальном сайте телефоны не отвечают. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EПредставленная в Калининграде международная страховая группа Zurich Insurance Group ранее заявила о намерении продать розничный бизнес. Zurich Insurance Group владеет страховой компанией \u0026quot;Цюрих\u0026quot; (до 2007 года \u0026mdash; страховая компания \u0026quot;НАСТА\u0026quot;). Сеть оператора в Калининградской области насчитывает семь точек розничных продаж. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EСерьезные проблемы из-за ОСАГО имеет еще один международный страховщик - группа Allianz (РОСНО). Объявленные убытки группы от деятельности в России составили 38 млн евро за 2013 год. Акционерами Allianz было принято решение о смене руководства компании в России, а также о предоставлении дополнительных средств российской \u0026quot;дочке\u0026quot;. Сейчас в компании проводится внутренняя работа по повышению операционной эффективности. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EСамой печальной оказалась судьба страховой компании \u0026quot;Россия\u0026quot;, еще недавно входившей в топ-15 - ее лицензия отозвана, обязательства компании по договорам ОСАГО, по оценке Российского союза автостраховщиков, превышают 2 млрд руб. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EПо прогнозам специалистов, если Госдума не примет в ближайшее время необходимые поправки в закон об ОСАГО, включая изменение базового тарифа и тарифных коэффициентов, число обанкротившихся компаний будет стремительно расти. В такой ситуации пострадают в первую очередь автовладельцы. По закону об ОСАГО по долгам ушедших с рынка компаний расплачивается Российский союз автостраховщиков, однако если \u0026quot;уход\u0026quot; примет массовый характер, резервного фонда РСА может просто не хватить на всех. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EКомитет по финансовым рынкам Госдумы уже обсудил поправки, внесенные ко второму чтению закона. Предлагаемые поправки направлены на повышение защиты пострадавших в дорожно-транспортных происшествиях, совершенствование выплат ОСАГО и сопутствующего сервиса. Предполагается, что рыночное образование будет обеспечено введением тарифного коридора. Согласно поручению президента РФ Владимира Путина, законодательные изменения должны быть внесены до 1 июля этого года. Однако конкретный цифры нового базового тарифа ОСАГО так пока и не были вынесены на обсуждение.\u003C\/p\u003E\r\n\r\n\u003Cp\u003E\u003C\/p\u003E\r\n","~DETAIL_TEXT":"\r\n\u003Cp\u003EКак отмечают эксперты в области страхования, одной из основных причин сложившейся ситуации стала зашкаливающая убыточность ОСАГО, которая вынуждает страховщиков искать способы снижения затрат. Тарифы ОСАГО не пересматривались 10 лет, а парк Калининградской области состоит сплошь из иномарок, стоимость запчастей на которые привязана к курсу валюты. Инфляция, изменения валютного курса, рост стоимости работ в сервисных центрах, увеличение страховой суммы по жизни и здоровью в рамках полиса ОСАГО за эти 10 лет \u0026laquo;съели\u0026raquo; весь тариф и сделали этот вид страхования убыточным для игроков рынка. Кроме того, сегодня, благодаря несовершенству законодательства, судебные иски в сфере страхования стали прибыльным бизнесом, нередко с криминальным оттенком. Еще год назад крупнейшие компании - члены Российского союза автостраховщиков предупредили, что если дисбаланс между тарифом и объемом обязательств страховщиков не будет устранен путем корректировки тарифа, они будут вынуждены снижать свое присутствие в наиболее убыточных регионах. Однако за год ничего не изменилось в лучшую сторону, и сегодня ОСАГО работает на пределе возможностей. Как \u003Ca href=\u0022www.finmarket.ru\/insurance\/?nt=1\u0026id=3662960\u0022 \u003Eотмечает\u003C\/a\u003E информационное агентство «Финмаркет», в результате даже крупные международные страховые холдинги с трудом справляются с национальными особенностями российского автострахования; еще труднее средним и мелким отечественным компаниям. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EЕсли говорить о статистических данных, российские страховщики в прошлом году собрали 134,25 млрд руб. премий по ОСАГО, что на 10,2% превышает показатель 2012 года, при этом темп роста выплат опережает темп роста сборов. Но реальная убыточность страховщиков не ограничивается только объемом выплат: есть еще выплаты по судам, есть резервы для производства выплат в будущем - общую картину отражает так называемый комбинированный коэффициент убыточности, который по ОСАГО давно уже перешел планку 95%, а по некоторым регионам превышает 100 и даже 110%. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EЕсли посмотреть на рынок ОСАГО в региональном разрезе, то можно увидеть неоднородное развитие. Особенно остро стоит проблема нехватки территориальных коэффициентов в некоторых регионах. В последнее время выделился ряд регионов, где местные страховые компании давно свернули деятельность по ОСАГО, а крупнейшие страховщики федерального уровня пока работают себе в убыток, с нетерпением ожидая корректировки тарифа. Не будет преувеличением сказать, что сегодня раздражение не скрывается уже всеми участниками рынка. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EВ результате операторы, которые в прошлом активно наращивали долю ОСАГО в своем портфеле, сегодня оказались в проблемной ситуации. Как \u003Ca href=\u0022http:\/\/www.vedomosti.ru\/finance\/news\/23510881\/guta-strahovanie-uhodit-s-rynka-prajm\u0022 \u003Eписала газета\u003C\/a\u003E «Ведомости», компания \u0026quot;Гута-Страхование\u0026quot;, входящая в ТОП-20 крупнейших российских страховщиков, приняла решение свернуть свою деятельность к июню текущего года. До калининградского офиса компании уже сейчас невозможно дозвониться, указанные на официальном сайте телефоны не отвечают. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EПредставленная в Калининграде международная страховая группа Zurich Insurance Group ранее заявила о намерении продать розничный бизнес. Zurich Insurance Group владеет страховой компанией \u0026quot;Цюрих\u0026quot; (до 2007 года \u0026mdash; страховая компания \u0026quot;НАСТА\u0026quot;). Сеть оператора в Калининградской области насчитывает семь точек розничных продаж. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EСерьезные проблемы из-за ОСАГО имеет еще один международный страховщик - группа Allianz (РОСНО). Объявленные убытки группы от деятельности в России составили 38 млн евро за 2013 год. Акционерами Allianz было принято решение о смене руководства компании в России, а также о предоставлении дополнительных средств российской \u0026quot;дочке\u0026quot;. Сейчас в компании проводится внутренняя работа по повышению операционной эффективности. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EСамой печальной оказалась судьба страховой компании \u0026quot;Россия\u0026quot;, еще недавно входившей в топ-15 - ее лицензия отозвана, обязательства компании по договорам ОСАГО, по оценке Российского союза автостраховщиков, превышают 2 млрд руб. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EПо прогнозам специалистов, если Госдума не примет в ближайшее время необходимые поправки в закон об ОСАГО, включая изменение базового тарифа и тарифных коэффициентов, число обанкротившихся компаний будет стремительно расти. В такой ситуации пострадают в первую очередь автовладельцы. По закону об ОСАГО по долгам ушедших с рынка компаний расплачивается Российский союз автостраховщиков, однако если \u0026quot;уход\u0026quot; примет массовый характер, резервного фонда РСА может просто не хватить на всех. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003EКомитет по финансовым рынкам Госдумы уже обсудил поправки, внесенные ко второму чтению закона. Предлагаемые поправки направлены на повышение защиты пострадавших в дорожно-транспортных происшествиях, совершенствование выплат ОСАГО и сопутствующего сервиса. Предполагается, что рыночное образование будет обеспечено введением тарифного коридора. Согласно поручению президента РФ Владимира Путина, законодательные изменения должны быть внесены до 1 июля этого года. Однако конкретный цифры нового базового тарифа ОСАГО так пока и не были вынесены на обсуждение.\u003C\/p\u003E\r\n\r\n\u003Cp\u003E\u003C\/p\u003E\r\n","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"Автовладельцы Калининградской области обеспокоены ситуацией с оформлением полисов; страховые компании отказывают в оформлении услуги новым клиентам.","~PREVIEW_TEXT":"Автовладельцы Калининградской области обеспокоены ситуацией с оформлением полисов; страховые компании отказывают в оформлении услуги новым клиентам.","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"363734","TIMESTAMP_X":"01.02.2015 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