Особливості оцінки ризику при укладанні договорів страхування майна громадян

Abstract

У статті досліджено практичні аспекти проведення оцінки ризику при страхуванні майна громадян. Визначено її зміст та місце в андерайтинговій діяльності страхової компанії. Розкрито особливості етапів оцінки ризику при укладанні договорів страхування майна громадян.

The article reveals the essence of risk assessment in contracting individual insurance as well as its place in underwriting business of the insurance company. It is stated that the mechanism of assessment in contracting certain individual property insurance includes the following stages:identification of risks, selection of risks and quantitative risk assessment. At the stage of identifying risk in contracting individual property insurance the following steps are suggested: identification of insurance objects and disclosure of all circumstances involving risk that are relevant to these objects and which will be considered in determining the payment for insurance. At the stage of risk selection it is suggested to select risks which can be insured and those which are not the subject of insurance. In this process the insurer is to collect information about possible risk and reasons for risk involved with a potential insurer. The latter can obtain such information in different ways among which there are such as a property insurance application form, inventory of property to be insured, submission and analysis of property deeds, an interview: the insurer – a person. The process of identifying and selecting risks is a qualitative assessment of the risk. To assess the quantitative aspect of risk in contracting individual property insurance it is necessary to measure the maximum amount of possible losses which may occur under a certain risk. Peculiar features of identifying the value of individual property are described in the article.