Insurance in the CIS: Reality strikes back!
BritMark в цифрах
1,88 млрд. грн
Портфель страхования отдела личных продуктов покрывает риски свыше 1,88 млрд. грн.
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It is known, that the CIS markets may be highly profitable, yet highly risky.
In 2010 only the Russian market showed a growth of 8,7% reaching over $30 bln. in premiums. All other countries were stagnating. Although the official reports may as well boast a different picture which arises mainly from fictitious insurance and laundering. For example, the Ukrainian insurance market consist of over 400 insurers, while 20 of them hold over 75% of the market. And remind you, the post-soviet insurance markets' opportunities may best be described as "modest".
Under these conditions any businessman operating on the territory of the ex-USSR may be advised to exercise an extremely conservative approach to insurance partners. It wouldn't be unwise to stick to representatives of well-established international insurance groups like Allianz, AXA and Chartis while trying to avoid insurers with local capital and ownership. In the short term, insurance companies owned by large local enterprises may look like a perfect idea, since they often seem to combine low rates and client-oriented approach. But in the long-run the low rates often indicate that the insurer is experiencing solvency problems. From our own experience, last year's fire caused our client a massive loss of insured goods. He recently received $8mln worth of reimbursement from an international insurance group making it one of the largest insurance claims of 2010.
Feb 28, 2011.
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