Jauna privātā nekustamā īpašuma apdrošināšanas produkta izstrāde
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Latvijas Universitāte
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lav
Abstract
Lēmumi par apdrošināšanu ir vieni no grūtākajiem, ar ko saskaras patērētāji. Tie prasa individualizētas prognozes par ļoti maz ticamu un lielākoties nepazīstamu nākotnes notikumu iespējamību un apjomu. Latvijā 64% iedzīvotāju mājokļu nav apdrošināti, kas ir augsts līmenis salīdzinot ar Eiropas valstu vidējo, un tas rada paaugstinātu finansiālo un sociālo risku iestāšanās varbūtību. Izvērtējot zemā apdrošināšanas līmeņa cēloņus, kā primāri risināmā problēma ir izvēlēta, ka tirgū nav konkrētā klienta vajadzībām atbilstoša produkta, jo piedāvātie produkti tirgus dalībniekiem ir līdzīgi. Lai palielināt privātpersonu apdrošināto mājokļu skaitu, tiek izstrādāts projekts “Mājokļa īrnieka un izīrētāja apdrošināšana”, kas paredz izveidot divus produktus: mājokļa īrnieka apdrošināšanas polise un mājokļa izīrētāja apdrošināšana polises. Projekta realizācija nodrošinās 500 jaunu (pirmreizēju) īpašuma apdrošināšanas līgumu noslēgšana līdz 2025.gada 31.decembrim.
Insurance decisions are among the most difficult that consumers face. They require individualized predictions about the likelihood and magnitude of highly unlikely and largely unknown future events. In Latvia, 64% of the homes are not insured, what is high-level share compared to the average level of European countries, and this creates a high probability of the occurrence of financial and social risks. After evaluating the causes of the low level of insurance, as primary problem to be solved is chosen that there is no product on the market that meets the needs of a specific customer, because the products offered are similar for market participants. In order to increase the number of private homes insured, the project "Home tenant and landlord insurance" is developed, which envisages the creation of two products: the home tenant insurance policy and the home landlord insurance policy. The implementation of the project will ensure the conclusion of 500 new (first-time) property insurance contracts by December 31, 2025.
Insurance decisions are among the most difficult that consumers face. They require individualized predictions about the likelihood and magnitude of highly unlikely and largely unknown future events. In Latvia, 64% of the homes are not insured, what is high-level share compared to the average level of European countries, and this creates a high probability of the occurrence of financial and social risks. After evaluating the causes of the low level of insurance, as primary problem to be solved is chosen that there is no product on the market that meets the needs of a specific customer, because the products offered are similar for market participants. In order to increase the number of private homes insured, the project "Home tenant and landlord insurance" is developed, which envisages the creation of two products: the home tenant insurance policy and the home landlord insurance policy. The implementation of the project will ensure the conclusion of 500 new (first-time) property insurance contracts by December 31, 2025.