В Калининградской области прогнозируется высокая убыточность ОСАГО для страховых компаний

Фото rugrad.eu

{"ID":"699458","~ID":"699458","TAGS":"ОСАГО, страхование, калининградская область, убытки, автомобили","~TAGS":"ОСАГО, страхование, калининградская область, убытки, автомобили","NAME":"В Калининградской области прогнозируется высокая убыточность ОСАГО для страховых компаний","~NAME":"В Калининградской области прогнозируется высокая убыточность ОСАГО для страховых компаний","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"829","~IBLOCK_SECTION_ID":"829","DETAIL_TEXT":"\r\n\u003Cp\u003EПовышения тарифа по ОСАГО на 25% будет недостаточно для того, чтобы этот вид страхования перестал быть убыточным для компаний, уверены аналитики рейтингового агентства \u0026laquo;Эксперт РА\u0026raquo;. Как \u003Ca href=\u0022http:\/\/top.rbc.ru\/economics\/30\/07\/2014\/939749.shtml\u0022 \u003Eсообщает\u003C\/a\u003E РБК со ссылкой на данные исследования, при увеличении тарифа на четверть произойдет лишь временная стабилизация на рынке ОСАГО: проблемы с оформлением полисов, урегулированием убытков и устойчивостью сектора частично разрешатся в 2014 году, но вновь возникнут в 2015 году. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u0026laquo;Эксперт РА\u0026raquo; прогнозирует, что в 2015 году страховщики получат убытки по ОСАГО в 69 регионах. По их оценке, в 2013 году деятельность страховщиков по ОСАГО была убыточной в 23 регионах. В четырех регионах \u0026mdash; Камчатском крае, Амурской, Ульяновской и Мурманской областях \u0026mdash; убыточность превышает 120% (то есть компания тратит на бизнес по продаже полисов ОСАГО на 20% больше, чем собирает в виде премии). В 2015 году, по прогнозу \u0026laquo;Эксперт РА\u0026raquo;, таких регионов будет уже 43. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Аналитики оценивают деятельность компаний по скорректированному комбинированному коэффициенту убыточности-нетто. Он рассчитывается как сумма выплат клиентам за год, резервов под будущие выплаты, административных расходов и выплат по суду, деленная на собранные за этот же период взносы. Если коэффициент больше 100%, страховая деятельность приносит компании убытки. Что касается Калининградской области, то эксперты прогнозируют убыточность ОСАГО для страховщиков на уровне 111%. По данному показателю регион занимает 55 место и относится к группе с высокой убыточностью, то есть существует угроза ухода страховых компаний из региона. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Согласно \u003Ca href=\u0022http:\/\/www.rugrad.eu\/news\/692095\/\u0022 \u003Eновой версии закона\u003C\/a\u003E об ОСАГО уже с 1 октября 2014 года будет увеличен лимит выплат по имущественному ущербу при ДТП со 120 тыс. до 400 тыс. руб.; с 1 апреля 2015 года вырастет лимит выплат по вреду жизни и здоровью потерпевшего при аварии \u0026mdash; со 160 тыс. до 500 тыс. руб. Увеличить базовый тариф по ОСАГО, который не менялся с момента появления этого вида страхования в 2003 году, Банк России планирует в октябре 2014 года. Как сообщали ранее представители регулятора, тариф увеличится на 25\u0026mdash;30%. По мнению аналитиков \u0026laquo;Эксперт РА\u0026raquo;, для стабилизации ситуации на рынке ОСАГО необходимо повысить базовый тариф на 40\u0026mdash;60% и изменить территориальные коэффициенты в наиболее убыточных регионах. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Ранее RUGRAD.EU сообщал, что сами страховые компании отмечают кризисные явления на рынке ОСАГО.\u003C\/p\u003E\r\n ","~DETAIL_TEXT":"\r\n\u003Cp\u003EПовышения тарифа по ОСАГО на 25% будет недостаточно для того, чтобы этот вид страхования перестал быть убыточным для компаний, уверены аналитики рейтингового агентства \u0026laquo;Эксперт РА\u0026raquo;. Как \u003Ca href=\u0022http:\/\/top.rbc.ru\/economics\/30\/07\/2014\/939749.shtml\u0022 \u003Eсообщает\u003C\/a\u003E РБК со ссылкой на данные исследования, при увеличении тарифа на четверть произойдет лишь временная стабилизация на рынке ОСАГО: проблемы с оформлением полисов, урегулированием убытков и устойчивостью сектора частично разрешатся в 2014 году, но вновь возникнут в 2015 году. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u0026laquo;Эксперт РА\u0026raquo; прогнозирует, что в 2015 году страховщики получат убытки по ОСАГО в 69 регионах. По их оценке, в 2013 году деятельность страховщиков по ОСАГО была убыточной в 23 регионах. В четырех регионах \u0026mdash; Камчатском крае, Амурской, Ульяновской и Мурманской областях \u0026mdash; убыточность превышает 120% (то есть компания тратит на бизнес по продаже полисов ОСАГО на 20% больше, чем собирает в виде премии). В 2015 году, по прогнозу \u0026laquo;Эксперт РА\u0026raquo;, таких регионов будет уже 43. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Аналитики оценивают деятельность компаний по скорректированному комбинированному коэффициенту убыточности-нетто. Он рассчитывается как сумма выплат клиентам за год, резервов под будущие выплаты, административных расходов и выплат по суду, деленная на собранные за этот же период взносы. Если коэффициент больше 100%, страховая деятельность приносит компании убытки. Что касается Калининградской области, то эксперты прогнозируют убыточность ОСАГО для страховщиков на уровне 111%. По данному показателю регион занимает 55 место и относится к группе с высокой убыточностью, то есть существует угроза ухода страховых компаний из региона. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Согласно \u003Ca href=\u0022http:\/\/www.rugrad.eu\/news\/692095\/\u0022 \u003Eновой версии закона\u003C\/a\u003E об ОСАГО уже с 1 октября 2014 года будет увеличен лимит выплат по имущественному ущербу при ДТП со 120 тыс. до 400 тыс. руб.; с 1 апреля 2015 года вырастет лимит выплат по вреду жизни и здоровью потерпевшего при аварии \u0026mdash; со 160 тыс. до 500 тыс. руб. Увеличить базовый тариф по ОСАГО, который не менялся с момента появления этого вида страхования в 2003 году, Банк России планирует в октябре 2014 года. Как сообщали ранее представители регулятора, тариф увеличится на 25\u0026mdash;30%. По мнению аналитиков \u0026laquo;Эксперт РА\u0026raquo;, для стабилизации ситуации на рынке ОСАГО необходимо повысить базовый тариф на 40\u0026mdash;60% и изменить территориальные коэффициенты в наиболее убыточных регионах. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Ранее RUGRAD.EU сообщал, что сами страховые компании отмечают кризисные явления на рынке ОСАГО.\u003C\/p\u003E\r\n ","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"В рейтинге убыточности Калининградская область занимает 55 место, что означает угрозу ухода страховщиков из региона.","~PREVIEW_TEXT":"В рейтинге убыточности Калининградская область занимает 55 место, что означает угрозу ухода страховщиков из региона.","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"380202","TIMESTAMP_X":"01.02.2015 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