Recoil to tender committee can make to 25 % from an insurance premium

Recoil to tender committee can make to 25 % from an insurance premium

It is possible to rank as the agency commissions of the insurance companies safely and so-called recoils, Unprofitableness and profitability of insurers is told in the review «Expert РА» «: paradoxical dynamics». The share of recoils in cumulative gathering on corporate portfolios of insurers decreases, but is for the present appreciable.

Analysts «Expert РА» believe that in some kinds of property insurance the share of recoils in the form of compensation to the managers, making decisions, can reach 20—25 %. «Nevertheless we with optimism notice that the tendency of reduction of a share of similar compensations proves to be true many participants of the market — both from demand, and from the offer», — is told in the review «Expert РА».



As «Expert РА» marks, the high agency commissions as which the agency ranks also recoils, and also growth rent and a salary will lead to the further increase in average expenses at business conducting (РВД) insurers. In turn, growth averaged РВД in relation to net-award with 32,7 to 36,3 % with 2006 for 2007 became the major reason of increase in the combined unprofitableness. Last year, by data «Expert РА», there was an increase of the average combined factor of unprofitableness on all Russian insurance companies in comparison with 2006 with 92,8 to 93,8 %.

According to the head of one of the largest Russian insurance companies, recoils are a real problem at carrying out of tenders, especially state companies. According to one of top-managers, depending on a kind of insurance activity recoil can reach 40 % from the award of the insurer. Thus benefit is received by the heads supervising work with the personnel and economic activities. For the people, making decisions, the most "profitable" kinds of insurance are ДМС, property insurance (warehouses, buildings). In autoinsurance recoils are rather low. «For example, if the award on autoinsurance of a corporate motor car park makes 300-400 thousand dollars, approximately 20 % from this sum will be received by the manager who is responsible for a choice of the insurer», — the head of other insurance company who also have asked about anonymity speaks. Thus insurers notice that in the majority of the companies the tendency to carrying out of fair tenders is appreciable.