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Neosiguravanje imovine je društveno neodgovorno i socijalno neprihvatljivo

 

Od postanka do danas  čovjekov  život i imovina bili su ugrožavani raznim rizicima, prouzrokovanim bilo stihijskim događajima, bilo nesretnim slučajevima. Ne tako davna dešavanja u okruženju i u samoj Crnoj Gori, u vidu poplava, požara i velikih snjegova, jasno ukazuju na to da ni Crna Gora nije izuzeta od rizika koji prijete svima.

Takođe  putem medija četo dobijamo informacije o požarima u kome je nekom izgorela imovina i o problemima koje građanji imaju nakon toga.

 

Motivisano ovim  događajima sa jedne strane i činjenicom da na našem tržištu postoje ozbiljne osiguravajuće kuće, sa druge strane, odlučili smo se da sprovedemo anketu  nedavno u Crnoj Gori  da vidimo koliko stvarno građani razumiju i shvataju proizvode osiguranja.  Rezultati ankete koju smo realizovali govore da se  svega 23% ispitanika izjasnilo da  ima sklopljeno osiguranje imovine,  što jasno ukazuju na potencijal  koji ovaj segment tržišta ima ali i veliki rizik kojem su građanji izloženi zbog ovakvog stanja.

Sve ovo navodi na konstataciju da je društveno veoma neodgovorno i socijalno neprihvatljivo imovinu držati neosiguranu, kao i da postoje ozbiljni rizici kojima se imovina izlaže, te da branša osiguranja ima kvalitetne proizvode osiguranja imovine.

Ponude osiguranja imovine su cjenovno vrlo prihvatljive, posebno kada se ima u vidu da su minimalne cijene osiguranja kuća-stan sada čak manje od jednog eura po kvadratu za godišnju polisu osiguranja, a osiguravajuća društva omogućavaju i plaćanje u ratama.

Osnovne karakteristike rezultata istraživanja koje je sproveo NBOCG na temu osiguranja imovine je da: čak 60% ispitanika ima nekretninu u svom vlasništvu, a 28% od njih ima više od jedne nekretnine, nekretnine osigurava tek 23% vlasnika nekretnina, a samo 29% od ukupnog broja vlasnika više od jedne nekretnine i osigurava više od jedne nekretnine, a što sve ukazuje na veličinu potencijalnog tržišta osiguranja.

Istraživanje registruje ujednačeno prisustvo osnovnih oblika osiguranja kod ispitanika koji su osigurali svoju imovinu: požar,  (uključuje udar groma, oluju)100%,  poplava 90%,  izliv vodovodnih instalacija 94%,  zemljotres 99%, i provalna kradja 100%,  dok je osiguranje staklenih površina od loma zastupljeno u znatno manjoj mjeri tj. svega 49% ispitanika.

Uočen je veliki broj rizika koji bi ispitanici željeli da osiguraju, njih čak 42%, a ne nalaze se u osnovnoj paleti usluga osiguiranja imovine, što u velikoj mjeri govori o stepenu poznavanja tj. nepoznavanja proizvoda osiguranja.

Istraživanje potvrđuju da je veoma veliki broj građana finansijski sposoban, ali i zainteresovan za osiguranje nepokretnosti, te da je osjetno veće potencijalno tržište od izvršenog obuhvata. Realnost ovakvog stanja  dodatno potvrđuje posebno karakterističan odgovor da se 58% ispitanika nikada nije sretalo sa nekom vrstom ponude od strane osiguravača i da 44% nije upoznato sa aktuelnim ponudama osiguranja imovine. Zbog toga je neophodno uskladiti aktivnosti osiguravača u organizaciji ponude imajući u vidu neophodnost i značaj neposredne komunikacije i kontakta koji jedino može da rezultira zaključivanjem ugovora o osiguranju. Kada se tome doda da 46% ispitanika ocjenjuje ocjenom 4 i 5 (od 1-5) da su aktuelne ponude osiguravača prilagodjene njihovim potrebama, 35% da se štete isplaćuju adekvatno i ažurno, 35% da se štete isplaćuju adekvatno ali sa velikim periodom od momenta prijave do isplate štete i da 62% čita uslove prilikom zaključivanja osiguranja, dolazi se do zaključka da su građani na određen način zainteresovani za osiguranje nepokretnosti, da prate i imaju određena saznanja o tome što treba imati u vidu i na odgovarajući način iskoristiti u propagiranju i približavanje ponude osiguranja. To može biti od velike koristi za osiguravače u prilagođavanju poslovne politike, sagledavanja i ocjene tražnje, načina davanja ponude i na kraju realizacije zaključivanjem osiguranja.

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