Pa Radar: Inshuwalansi Analysis, Category by Category – Analysis – Insurance News

Katswiri wowona za kafukufuku Taylor Fry adatulutsa lipoti lapachaka la Radar, malingaliro ake a “gulu ndi gulu” lamakampani a inshuwaransi.

Taylor Fry akuti podalira data ya Australian Prudential Regulatory Authority (APRA), kuphatikiza “chidziwitso chazama chamakampani ndi chidziwitso”, amatha “kusankha” bizinesi iliyonse.

Nthawi zambiri ndi nkhani yabwino, ngakhale kuti pali ngozi zambiri, ndipo mzere uliwonse umapanga phindu kupatula eni nyumba.

Koma mapindu amenewo ndi ocheperapo kuposa momwe makampani angafune, ndipo pali zovuta zambiri.

Tasankha zomwe tapeza m’magulu akuluakulu.

kuyendetsa kwanuko

Chaka Chachuma 22 chinali chovuta, popeza ma inshuwaransi am’deralo adataya kwambiri chifukwa cha kusefukira kwa East Coast komanso malo okwera mtengo.

Koma ma inshuwaransi akhala ndi kukula kwakukulu kwa malipiro olembedwa (GWP) – mpaka 8% kuti akwaniritse zovutazi (pafupifupi 4% kuwonjezeka kwa malipiro ndi 4% kuwonjezeka kwa chiopsezo cholembedwa).

Mpikisano ukupitilirabe kukula pomwe omwe akupikisana nawo akutsogola, ndipo ma inshuwaransi okhazikika ayenera kupitiliza kupanga zatsopano pazogulitsa ndi mtengo.

Ngakhale kuti vuto la nyengo yoopsa likhoza kupitirirabe, chiwerengero cha otayika chiyeneranso kulimbikitsidwa ndi ntchito yokhazikika kunyumba.

Makampani a inshuwaransi amakumana ndi zovuta zapainshuwaransi pomwe mtengo wamagalimoto ndi magawo ukuwonjezeka.

injini yamalonda

Magalimoto amalonda atha kusunga phindu lawo ngakhale kukwera mtengo kwa madandaulo chifukwa cha zovuta zogulira.

GWP inawonjezeka ndi 12%, chifukwa cha gawo lina la kuwonjezeka kwa 8% kwa malipiro apakati, koma zovuta zamtengo wapatali zikuyembekezeka kupitiriza ndi kuwonjezereka kwa teknoloji m’magalimoto, kuchepa kwa ntchito ndi kupanga zomwe zimakhudza mtengo wa kukonzanso ndi nthawi yodikira makasitomala.

eni nyumba

Taylor Fry akuti masoka achilengedwe ochitika pafupipafupi komanso okwera mtengo kwambiri “amawopseza kupitirizabe kugwira ntchito kwa inshuwaransi yapanyumba,” makamaka m’madera amene kumachitika kusefukira kwa madzi.

Kusefukira kwa madzi ambiri komanso kukonzanso kwakukulu kunapangitsa kuti chaka chachuma 22 chiwonongeke kwa inshuwaransi, ngakhale kuwonjezeka kwa 6% kwa ndalama zambiri. Maperesenti ophatikizidwa amakhalabe pamwamba pa 100% kwa chaka chachitatu motsatizana.

Lipotilo linanena za kukhazikitsidwa kwa dziwe la federal hurricane reinsurance pool, koma akuti iyi ndi “gawo limodzi lokha la yankho.”

Mbali zina zofunika kuziganizira ndi izi: kutsitsa misonkho ya inshuwaransi, kufewetsa malo omwe alipo, kuthandizana pakati pa nyumba zomwe zili pachiwopsezo chochepa ndi zomwe zili pachiwopsezo chachikulu, komanso kuwongolera miyezo yomanga ndi kukonza mapulani.

Lipotilo likuti kupitiliza mgwirizano pakati pa magulu onse ndikofunikira, kuti inshuwaransi ikhalepo komanso yotsika mtengo.

“Makampani a inshuwaransi amadzifunsa kuti, kodi ndingapitilize kupereka inshuwaransi yabanja momwe ilili pano, ndipo ngati nditero, pamtengo wotani?”

malonda ogulitsa nyumba

Zotsatira zolembera zakhala zikuyenda bwino m’miyezi 12-18 yapitayi koma nkhawa zikadalipo za phindu la gululi.

Ngakhale kuti chiŵerengero chophatikizana chinali chochepera 100% kwa magawo asanu ndi limodzi, malipoti otayika omwe amapindula adapindula ndi zosungirako zosungirako, ndipo panali kubwezeretsedwanso kwakukulu kuchokera ku zochitika zoopsa zachilengedwe.

Kwa nthawi yayitali, malo ogulitsa nyumba apanga malire olakwika a inshuwaransi ndi kuchuluka kwapakati pa 100% pazaka zisanu ndi ziwiri zapitazi.

Ma inshuwaransi ayankha kuzinthu zomwe zili pachiwopsezo chachikulu komanso kusatsimikizika pakuwonongeka kwabizinesi ya Covid-19 powonjezera ndalama zolipirira ndi 16%.

Ulendo

Inshuwaransi yoyenda yabwerera ku “phindu lokhazikika” ngakhale pali “mavuto ambiri” pomwe ikukwera pambuyo pa coronavirus.

Ogwira ntchito ambiri achoka pantchito yotseka malire, ndikusiya kusowa kwa oyang’anira zodandaula makamaka zomwe “zimapangitsa kuti pakhale vuto” ndikuwonjezera kukakamiza kwa ogwira ntchito otsalawo.

Mizere yayitali pama eyapoti, maulendo apandege, ndi matumba otayika amawonjezera mwayi wodandaula, Taylor Fry akuti.

Koma zotsatira za kachilombo ka Corona paulendo zikuyenera kuchepetsedwa mliriwo ukayamba kukhala “ovuta”, ndipo mwayi weniweni udzatsegukira makampani a inshuwaransi yapaulendo omwe adathana ndi mkuntho.

Malipiro a akatswiri, owongolera ndi maofesala

Kukula kwa premium kumaposa kukula kwa zomwe zimati, zomwe zimapangitsa kuti inshuwaransi ipindule bwino zomwe zingapangitse chidwi cha inshuwaransi.

Komabe, Taylor Fry akuyembekeza kuti ma inshuwaransi azikhala osankha, chifukwa cha nkhawa zamagulu ena.

Kusintha kwina kwa boma komwe kwapangitsa kuti chiwerengero cha zonena zamagulu chichepe zitha kubwezeredwa.

Paintaneti ikupitilizabe kukhala vuto pomwe kuwukira kukuchulukirachulukira komanso zovuta zokhala ndi matanthauzidwe ake zikutanthauza kuti intaneti yopanda phokoso ikadali yodetsa nkhawa.

Dinani apa kuti mupeze lipoti lonse la radar.

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