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  • NBOCG realizovao projekat istraživanja na temu: „Imovinska osiguranja – stanje i perspektive”

Nekretnine osigurava tek 23% vlasnika

Podgorica, 05. februar 2014.

Udruženje Nacionalni Biro Osiguravača Crne Gore (NBOCG) je realizovalo statističko istraživanje na temu: „Imovinska osiguranja – stanje i perspektive”.

Prema riječima Borisa Šabana, izvršnog direktora NBOCG, ovo istraživanje je obaviljeno na pažljivo definisanom relevantnom uzorku od 1.500 ispitanika, stratifikovanom po targetiranim jezgrima i godini starosti ispitanika, u osam opština i to: Podgorica, Nikšić, Bijelo Polje, Pljevlja, Kolašin, Budva, Bar i Herceg Novi.

Osnovne karakteristike rezultata istraživanja na ovu temu su: 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.

„Istraživanje je dalo obilje informacija o tržištu osiguranja imovine i uparivanjem se mogu dobiti brojni pokazatelji koji će pomoći u donošenju odluka u branši osiguranja. Rezultati ovog istraživanja će koristiti ukupnoj branši osiguranja, a imaju i opšte-društveni značaj,  jer ukazuju na najbitnije pravce kreiranja kvaliteta odnosa osiguravač-osiguranik, te kreiranja edukativnih kampanja koje bi uticale na podizanje nivoa kulture osiguranja i edukaciju građana o osiguranju, kakva je i ova naša koju vodimo pod sloganom „Osigurajmo imovinu u interesu nas i naših potomaka.” – zaključuje Šaban.

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