- Olbrzymia liczba szkód katastroficznych, powiązanie cen polis z punktami karnymi, rozwiązania usprawniające likwidację szkód – o tym mówiło się w 2021 roku w kontekście OC i AC.
- Niewykluczone, że drożejące samochody, części do nich i usługi serwisowe wpłyną na ceny ubezpieczeń komunikacyjnych w 2022 roku.
- Wraz ze wzrostem płacy minimalnej w przyszłym roku urosną także kary za brak obowiązkowego OC.
Ubezpieczenia komunikacyjne to ważny temat dla milionów właścicieli samochodów i jednośladów w Polsce. Każdy posiadacz pojazdu mechanicznego musi przecież wykupić polisę OC, a wielu z nich wykupuje również dobrowolne autocasco (AC).
Na przełomie 2021 i 2022 roku z pewnością warto przyjrzeć się sprawom kluczowym dla kształtowania się cen OC i AC, a także przebiegu likwidacji zgłaszanych szkód. Zwłaszcza że wiele tegorocznych zjawisk wpłynie na podejście ubezpieczycieli do oferowanych polis w kolejnych 12 miesiącach. Mam na myśli zarówno zmiany w prawie, jak i czynniki makroekonomiczne oraz pogodowe – mówi Damian Andruszkiewicz, odpowiedzialny za ubezpieczenia komunikacyjne w Compensa TU S.A. Vienna Insurance Group.
Jakie wydarzenia były najważniejsze z punktu widzenia ubezpieczeń OC i AC w mijającym roku? Poniżej lista.
- Powiązanie cen OC z punktami karnymi
Parlament zdecydował, że 1 stycznia 2022 roku zmieni się prawo drogowe. Nowe przepisy mają poprawić bezpieczeństwo pieszych i piętnować naganne zachowania na drogach. Piraci drogowi i pijani kierowcy muszą być gotowi na surowsze kary i wyższe mandaty (np. nawet 5 tys. zł policja będzie mogła przyznać na miejscu zdarzenia, a maksymalna zasądzona kara wzrośnie z 5 tys. do 30 tys. zł). Poza tym punkty karne będą usuwane z konta kierowcy dopiero po 2 latach i to od dnia opłacenia kary. Ich liczba przełoży się też na cenę obowiązkowego ubezpieczenia OC. Ubezpieczyciele będą mogli sprawdzić historię kierowcy w Centralnej Ewidencji Pojazdów i Kierowców (CEPiK) i na tej podstawie określać wysokość składki (zależnie o rodzaju i liczby punktów karnych).
Na tej podstawie kierowca będzie mógł np. otrzymać zniżkę za bezpieczną jazdę, a po obliczeniu ceny ubezpieczyciel usunie dane kierowcy ze swojego systemu. Czy to podziała na kierowców motywująco? Czas pokaże. Tego typu rozwiązania z powodzeniem stosują inne kraje, m.in. Stany Zjednoczone, Wielka Brytania czy Irlandia. Niektórzy eksperci przewidywali w 2021 roku, że powiązanie stawek OC z punktami karnymi spowoduje wzrost cen. W rzeczywistości nie powinniśmy się tego obawiać – dodaje Damian Andruszkiewicz z Compensy.
- Potężna liczba szkód katastroficznych
Kierowców boleśnie doświadczyła w tym roku pogoda. Z danych Compensy wynika, że liczba szkód katastroficznych tylko do końca lata wzrosła w porównaniu z 2020 rokiem aż o 265%. Najwięcej strat niosły za sobą gradobicia, wichury i podtopienia – najbardziej ucierpiało w nich woj. małopolskie, w którym doszło do blisko… połowy wszystkich zgłoszonych zdarzeń!
- Inflacja w branży motoryzacyjnej
Potężny wzrost cen widać w niemal każdej sferze życia, również w motoryzacji. Rosną ceny samochodów, części do nich oraz usług w warsztatach. Ma to bezpośrednie przełożenie na ubezpieczenia OC i AC.
Ustalane jeszcze kilka miesięcy temu sumy ubezpieczenia w przypadku wielu aut nie oddają ich obecnej wartości na rynku wtórnym. Odszkodowanie wypłacone po kradzieży czy tzw. szkodzie całkowitej może więc nie wystarczyć na zakup nowego pojazdu. Z kolei droższe części i usługi serwisowe podnoszą koszty likwidacji szkód, których na dodatek było w tym roku wyjątkowo dużo.
Aby w obliczu wysokiej inflacji i zwiększonej liczby szkód zakłady ubezpieczeń utrzymały rentowność w ubezpieczeniach OC i AC, składki za polisy będą w 2022 roku rosnąć.
- Nowe technologie w likwidacji szkód
Pandemia przyspieszyła rozwój technologii. Ubezpieczyciele tworzą nowe i rozbudowują dotychczas stosowane rozwiązania IT, a klienci coraz chętniej z nich korzystają. W przypadku ubezpieczeń komunikacyjnych oznacza to przede wszystkim wzrost popularności coraz częściej oferowanych przez zakłady ubezpieczeń aplikacji do samodzielnej likwidacji szkód. Taki program służy do zdalnego informowania ubezpieczyciela o szkodzie i pozwala na szybkie wnioskowanie o wypłatę po wypełnieniu prostego formularza.
W naszym przypadku, jeśli klient akceptuje wycenę szkody, wypłata następuje w czasie rzeczywistym. Inaczej mówiąc, od zgłoszenia szkody do otrzymania pieniędzy mija tylko kilka godzin. To znacznie poniżej rynkowego standardu, który należy szacować na mniej więcej 3 dni – tłumaczy ekspert Compensy.
- Wyższa płaca minimalna podniesie kary za brak OC
Kary za brak obowiązkowego OC przyznaje Ubezpieczeniowy Fundusz Gwarancyjny (UFG). Stawki zależą od rodzaju pojazdu, okresu pozostawania bez ubezpieczenia oraz minimalnego wynagrodzenia za pracę w roku kontroli.
Wraz ze wzrostem płacy minimalnej do 3010 zł w 2022 roku, zwiększą się kary dla nieubezpieczonych. Maksymalna opłata za brak OC powyżej 14 dni wynosi 3-krotność płacy minimalnej w przypadku samochodów ciężarowych, ciągników samochodowych i autobusów, jej 2-krotność w odniesieniu do samochodów osobowych i jedną trzecią dla pozostałych rodzajów pojazdów (np. motocykli).
W przypadku samochodów osobowych najwyższa kara za brak OC wyniesie więc w przyszłym roku do 6020 zł. Dla porównania: 10 lat temu było to… 3000 zł.
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