Motor-vehicle bureau (MTIBU) summarized the results of 9 months of its members (150 SC). During the reporting period, these insurance companies increased their premiums on avtograzhdanki by 45%, to 1.644 billion USD. This result was made possible by last year's change the correction factors used in calculating the cost of policies. Then, we recall, in August 2010 at an average price of avtograzhdanki grown to 30-40%. At the same time and there was a doubling of limits of liability Insurance — up to 50 thousand UAH . — for damage to property of third persons and 100 thousand UAH . — for causing harm to their health. This factor (along with an increase in the cost of repairing car) influenced the growth of insurance premiums in the current year: the first nine months it was 21%. In absolute terms, insurers paid out to its customers 623 million UAH.
Thus, the level of payments (the ratio of claims made to attract premiums) was 38%. However, the increase in profitability that has long been discussed in light of last year's changes in tariffs (price ranges avtograzhdanki regulated by the state as a compulsory form of insurance), and did not take place. Seriously earn avtograzhdanki insurers in the way, above all, high commission insurance agents, reaching 20-40% of the amount sold the policy, and price dumping in order to attract more customers. A number of companies, as already mentioned «i» as a result of these policies have serious problems with solvency.
In addition to risk their own policies on the profitability of the SC in this segment affected by the high overhead costs (low cost of the policy with significant administrative costs) and payments to the Guarantee Fund Office. Estimated a board member of IG «PZU Ukraine» Vitaly Shcherbina, total costs and charges in SC CTP segment in the market average are 86-96% of collected premiums, and sometimes more. "The profitability segment for the year has not changed, — says expert . — Despite the significant increase in premiums, losses on sold this year will reach polices of insurance companies for at least another year, and the insurers who pay for its obligations, even now not a good situation with the loss ratio. "
As suggested by the director of retail sales of IC «Nova» Oleg Kravchenko, several segments can improve the profitability of recent developments regarding the unification policy CTP. «Since September 2011 the policy applies only the first type — the most expensive (previously there were three . -» i «). This resulted in an increase in the average value of the policy CTP, and, accordingly, charges premiums for this type of naturally grown» — he explains. In contrast, in his opinion, acts evroprotokol (design of small accidents with loss of 10 thousand UAH. Without having to call traffic police), introduction of which can, conversely, to increase citizens' appeals for insurance reimbursement. «Evroprotokol lead to a deterioration of financial results by increasing the frequency of occurrence of insured events — agrees Alexander Yaremenko, head of transport risks SC» Allianz Ukraine ". — Small losses that have not been stated previously, will now — no need to call traffic police and to pay fines ".
In addition, it is projected as a result of the rise and evroprotokola cases of fraud. However, not all experts fear a strong negative effect. «Because the mentality of the Ukrainians evroprotokol in the next few months will not change the situation with the settlement of insurance events on compulsory civil liability motor. This is a new and incomprehensible process, which so far makes people more confidence than optimism» — explains Mr. Shcherbina. In addition, he concluded, the participants at registration evroprotokola accident must be to reach consensus on the issue of damage, which should not be exceed 10 thousand UAH.