T\u00fcrkiye\u2019de de\u011fi\u015fen ticari anlay\u0131\u015fla beraber zaten b\u00fcy\u00fcme trendinde olan ticari alacak sigortalar\u0131na olan talebi b\u00fcy\u00fctt\u00fc. Ticari alacak sigortalar\u0131 ge\u00e7ti\u011fimiz sene reel olarak y\u00fczde 24 b\u00fcy\u00fcrken, bu alanda 245,65 milyon liral\u0131k prim \u00fcretimi ger\u00e7ekle\u015fti.<\/p>\n
Howden T\u00fcrkiye, Ortado\u011fu ve Afrika B\u00f6lge CEO\u2019su At\u0131n\u00e7 Y\u0131lmaz, art\u0131\u015f\u0131n bu sene de devam etti\u011fine dikkat \u00e7ekerek, hem \u00fcr\u00fcn\u00fcn bilinirli\u011finin artmas\u0131 hem de devlet destekli ticari alacak sigortas\u0131n\u0131n sunulmas\u0131n\u0131n talebi art\u0131rd\u0131\u011f\u0131n\u0131 ve tabana yay\u0131lmaya ba\u015flad\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n
Ticari alacak sigortalar\u0131n\u0131 di\u011fer sigorta \u00fcr\u00fcnlerinden ay\u0131ran en \u00f6nemli fark\u0131n, poli\u00e7e s\u00fcresi i\u00e7indeki de\u011fi\u015fken teminat yap\u0131s\u0131 oldu\u011funu belirten Y\u0131lmaz, geleneksel elementer sigortalarda firmalar\u0131n duran varl\u0131klar\u0131n\u0131n risklere kar\u015f\u0131 sigortaland\u0131\u011f\u0131n\u0131 ve t\u00fcm operasyon s\u00fcreci ile maliyetlerin ilk ba\u015ftan belli oldu\u011funu kaydetti. Ancak Y\u0131lmaz, ticari alacak sigortalar\u0131nda sadece poli\u00e7e al\u0131n\u0131rken de\u011fil poli\u00e7e s\u00fcresi i\u00e7inde de hem sigortal\u0131 hem de arac\u0131 kurum i\u00e7in ayr\u0131 bir dikkat ve operasyon gerektiren farkl\u0131 bir durumun s\u00f6z konusu oldu\u011funu vurgulad\u0131.<\/p>\n
Y\u0131lmaz, “Bu \u00fcr\u00fcnde kurumlar\u0131n en hareketli varl\u0131klar\u0131, yani \u2019vadeli ticari alacaklar\u0131\u2019 sigortalan\u0131r. Her al\u0131c\u0131 i\u00e7in detayl\u0131 bir \u015fekilde teminat \u00e7al\u0131\u015fmas\u0131 gerekir. Ayr\u0131ca poli\u00e7e d\u00f6nemi i\u00e7inde al\u0131c\u0131lar\u0131n mali yap\u0131lar\u0131na g\u00f6re bu teminatlar azalabilir veya artabilir. Sonu\u00e7ta bir firman\u0131n, s\u00fcrekli vadeli al\u0131m yapan y\u00fczlerce al\u0131c\u0131s\u0131 olabilir. Bu al\u0131c\u0131lar poli\u00e7e d\u00f6nemi i\u00e7inde daha fazla al\u0131m yapmak isterlerse al\u0131c\u0131 limitleri art\u0131r\u0131lmal\u0131d\u0131r. Ayr\u0131ca, \u00fcr\u00fcn\u00fcn kurumlara fayda sa\u011flayan ba\u015fka \u00f6nemli \u00f6zelli\u011fi de poli\u00e7e s\u00fcresince yeni al\u0131c\u0131lara da al\u0131c\u0131 limiti \u00e7al\u0131\u015fmas\u0131 yap\u0131l\u0131p yeni teminat al\u0131nabilmesidir. Bu durumda poli\u00e7e sadece bir sigorta \u00fcr\u00fcn\u00fc olman\u0131n d\u0131\u015f\u0131nda ayn\u0131 zamanda bir risk y\u00f6netimi ve sat\u0131\u015f destek \u00fcr\u00fcn\u00fc olarak da \u00e7al\u0131\u015fmaktad\u0131r.” dedi.<\/p>\n
\u00dcr\u00fcn\u00fcn bu hareketli yap\u0131s\u0131n\u0131n sigortac\u0131, arac\u0131 kurum ve sigortal\u0131 a\u00e7\u0131s\u0131ndan dikkatle takip gerektirdi\u011fini belirten Y\u0131lmaz, \u015funlar\u0131 s\u00f6yledi: “Ticari Alacak Sigortas\u0131, T\u00fcrkiye sigorta pazar\u0131nda 20-25 senelik ge\u00e7mi\u015fe sahip oldu\u011fu halde \u00f6zel teminat yap\u0131s\u0131 dolay\u0131s\u0131yla ve poli\u00e7e m\u00fcddetince verilmesi gereken s\u00fcrekli servis nedeniyle uzun y\u0131llar k\u0131s\u0131tl\u0131 \u00fcretimde kald\u0131 ve maalesef \u00e7ok yayg\u0131n olarak geli\u015femedi. Sadece ilk bin \u015firket aras\u0131nda yer alan ticari i\u015fletmelerin bir k\u0131sm\u0131yla ve uluslararas\u0131 firmalarla s\u0131n\u0131rl\u0131 kald\u0131. Son y\u0131llarda ise T\u00fcrkiye\u2019deki ticari anlay\u0131\u015f\u0131n de\u011fi\u015fmesi, poli\u00e7eli firmalar\u0131n \u00fcr\u00fcnden memnun olmas\u0131, sigorta \u015firketlerinin T\u00fcrkiye tecr\u00fcbelerinin artmas\u0131 ile \u00fcr\u00fcne g\u00fcvenirlik artt\u0131 ve talep artmaya ba\u015flad\u0131.”<\/p>\n
Ge\u00e7en seneden itibaren ger\u00e7ekle\u015fen kur art\u0131\u015f\u0131n\u0131n da ticari risklerin b\u00fcy\u00fcmesinde etkili oldu\u011funu kaydeden Y\u0131lmaz, sigorta \u015firketlerinin bu d\u00f6nemde daha muhafazakar olmalar\u0131na ra\u011fmen ge\u00e7ti\u011fimiz y\u0131l ticari alacak sigortalar\u0131nda prim \u00fcretiminin; 171,21 milyon liradan 245,65 milyon liraya \u00e7\u0131kt\u0131\u011f\u0131n\u0131 belirtti. Bu \u00fcretimin yakla\u015f\u0131k y\u00fczde 60\u2019\u0131n\u0131n da ticari alacak sigortas\u0131nda uzman kadrosu olan ve poli\u00e7elere devaml\u0131 hizmet verebilecek uluslararas\u0131 brokerler arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015fti\u011fini ifade etti.<\/p>\n","protected":false},"excerpt":{"rendered":"
HOWDEN T\u00dcRK\u0130YE, ORTADO\u011eU VE AFR\u0130KA B\u00d6LGE CEO’SU ATIN\u00c7 YILMAZ, ARTI\u015eIN BU SENE DE DEVAM ETT\u0130\u011e\u0130NE D\u0130KKAT \u00c7EKEREK, HEM \u00dcR\u00dcN\u00dcN B\u0130L\u0130N\u0130RL\u0130\u011e\u0130N\u0130N ARTMASI HEM DE DEVLET DESTEKL\u0130 T\u0130CAR\u0130 ALACAK S\u0130GORTASININ SUNULMASININ TALEB\u0130 ARTIRDI\u011eINI VE TABANA YAYILMAYA BA\u015eLADI\u011eINI \u0130FADE ETT\u0130.<\/p>\n","protected":false},"author":1,"featured_media":160078,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1],"tags":[10559,4552,37445,2645,2837],"class_list":["post-160077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","tag-alacak","tag-artiyor","tag-sigortalarina","tag-talep","tag-ticari"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/05\/ticari-alacak-sigortalarina-talep-artiyor_4e5d9b4.jpg?fit=871%2C1000","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-FDT","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/160077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=160077"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/160077\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/160078"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=160077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=160077"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=160077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}