Feelings for MTPL
Insurers are sending contradictory signals. Some love the MTPL, and that
is reflected by lower rates. After a while, the financial indicators force
them to return to worse feelings regarding MTPL and tarrifs fall into normal
on a market in which this segment brings losses. So, although not always
the same ones, in the market there are companies that regularly love the
MTPL.
MTPL is uncomfortable for the customers. People don't love anything
that is mandatory, especially when it comes to an insurance "for others",
ignoring that responsibility is of the guilty part, and anybody can be
guilty. During this time, the wrong messages reach customers: MTPL is a
tax that exists only in Romania, tarrifs increase to cover the losses of
the companies that, anyway, do not pay their claims.
Yes, insurers do not pay claims for MTPL. As long as - we are not afraid
to say it directly - there are companies that do not pay their obligations,
can we blame the press or the customers for generalizing a state of fact
seen punctually at the market level?
In a normal market, all insurers pay
their claims. In Romania, the payment of claims in time is, along with
the price, one of the main criteria for
buying a certain insurance product. For MTPL, "cheap" is the
keyword.
In this framework, a proposal comes: to make customers love the MTPL!
What does this translate into? In short: in case of an accident, the claim
can be paid to the damaged part by the company where it has bought the
MTPL! Sounds simple, motivating for the client, maybe a little annoying
for some insurers!
Author: Alex ROSCA
on 25.03.2010
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