Sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde kar kayb\u0131 ve \u00fcr\u00fcn sorumluluk sigortalar\u0131n\u0131n \u015firketleri zor durumlarda kurtard\u0131\u011f\u0131na dikkat \u00e7ekildi.<\/p>\n
Do\u011fan Sigorta CEO\u2019su Selcen G\u00fcr, genel bir T\u00fcrk sigortac\u0131l\u0131\u011f\u0131 de\u011ferlendirmesi yaparak kar kayb\u0131 ve \u00fcr\u00fcn sorumluluk sigortalar\u0131na dikkat \u00e7ekti. T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn 107 trilyon TL sigorta teminat\u0131 sa\u011flayarak ekonomiye ciddi anlamda destek verdi\u011fini aktaran G\u00fcr, \u201cD\u00fcnyada ekonomik b\u00fcy\u00fckl\u00fck olarak 17\u2019nci s\u0131rada olmam\u0131za ra\u011fmen, sigortac\u0131l\u0131kta 39. s\u0131rada yer almam\u0131z \u00fclkemizde h\u00e2l\u00e2 sigorta sekt\u00f6r\u00fcn\u00fcn \u00f6neminin ve sigorta \u00fcr\u00fcnlerinin yeterince bilinmedi\u011fine i\u015faret etmektedir\u201d dedi.<\/p>\n
G\u00fcr, \u201cBu konuya yine sekt\u00f6rden bir \u00f6rnek verecek olursak K\u00e2r Kayb\u0131 ve \u00dcr\u00fcn Sorumluluk Sigortalar\u0131n\u0131 ele alabiliriz. Bunlar yurt d\u0131\u015f\u0131nda \u00e7ok tercih edilen ama bizim sanayicimiz taraf\u0131ndan pek bilinmeyen \u00f6nemli sigorta \u00e7e\u015fitleridir. Hatta k\u00e2r kayb\u0131 baz\u0131 durumlarda \u015firketlerin batmas\u0131n\u0131 \u00f6nleyen son derece kritik bir \u00fcr\u00fcn\u201d diye konu\u015ftu.<\/p>\n
G\u00fcr, \u00f6nerdi\u011fi \u00fcki \u00fcr\u00fcn kar kayb\u0131 ve \u00fcr\u00fcn sorumluluk sigortalar\u0131na ili\u015fkin \u015fu bilgileri verdi:<\/p>\n
\u201cK\u00e2r kayb\u0131; T\u00fcrkiye\u2019de \u00e7ok bilinmeyen bu \u00fcr\u00fcn bat\u0131l\u0131 sigorta pazarlar\u0131nda olmazsa olmaz stat\u00fcs\u00fcndedir. \u00c7\u00fcnk\u00fc \u00fcretim tesisleri, fabrikalar esas zarar\u0131 yang\u0131n, sel, deprem gibi risklerden sonra ya\u015fad\u0131klar\u0131 \u00fcretim durmas\u0131ndan kaynaklanan ciro kayb\u0131ndan ya\u015farlar. Fabrikay\u0131 esas haline getirene kadar ge\u00e7en s\u00fcrede hem ekstra masraflar olu\u015fur hem m\u00fc\u015fteri kaybedilir hem de markette raf kayb\u0131 ya\u015fan\u0131r. \u015eirketlerin batmas\u0131na sebep olan esasen afetler de\u011fil afetler sonras\u0131 ya\u015fad\u0131klar\u0131 kar kay\u0131plar\u0131d\u0131r. Bu poli\u00e7e T\u00fcrkiye\u2019de T\u00fcrk sigorta \u015firketleri taraf\u0131ndan d\u00fczenlenmektedir ancak reel sekt\u00f6rler bu poli\u00e7eyi bilmedikleri i\u00e7in sigortac\u0131lardan talep edemiyorlar.<\/p>\n
\u00dcr\u00fcn sorumluluk sigortalar\u0131; \u00fcretti\u011finiz \u00fcr\u00fcnleri t\u00fcketici kullan\u0131rken zarar g\u00f6rebilir ya da bu \u00fcr\u00fcnler k\u0131sa devre vs ile yang\u0131na sebep olabilir. O durumda \u00fcreticiye dava a\u00e7\u0131l\u0131r. \u00dcretici o \u00fcr\u00fcnleri piyasadan geri toplatmak zorunda kalabilir. Gazete ve TV\u2019ye ilan vermek, Call Center dan bilgilendirme yapmak durumunda kal\u0131r. Yenilerini \u00fcretmek ve bir \u00e7ok ekstra maliyetle kar\u015f\u0131la\u015f\u0131r. T\u00fcm bu masraflar\u0131 ve zararlar\u0131 tazmin eden sigortaya \u00fcr\u00fcn sorumluluk sigortas\u0131 ad\u0131 verilir. Bu poli\u00e7ede T\u00fcrkiye\u2019de T\u00fcrk sigorta \u015firketleri taraf\u0131ndan d\u00fczenlenmektedir. Ve son y\u0131llarda a\u00e7\u0131lan davalar sebebiyle \u00f6nemi \u00e7ok daha fazla artm\u0131\u015ft\u0131r.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
DO\u011eAN S\u0130GORTA CEO\u2019SU SELCEN G\u00dcR, GENEL B\u0130R T\u00dcRK S\u0130GORTACILI\u011eI DE\u011eERLEND\u0130RMES\u0130 YAPARAK KAR KAYBI VE \u00dcR\u00dcN SORUMLULUK S\u0130GORTALARINA D\u0130KKAT \u00c7EKT\u0130. T\u00dcRK S\u0130GORTA SEKT\u00d6R\u00dcN\u00dcN 107 TR\u0130LYON TL S\u0130GORTA TEM\u0130NATI SA\u011eLAYARAK EKONOM\u0130YE C\u0130DD\u0130 ANLAMDA DESTEK VERD\u0130\u011e\u0130N\u0130 AKTARAN G\u00dcR, \u201cD\u00dcNYADA EKONOM\u0130K B\u00dcY\u00dcKL\u00dcK OLARAK 17\u2019NC\u0130 SIRADA OLMAMIZA RA\u011eMEN, S\u0130GORTACILIKTA 39. SIRADA YER ALMAMIZ \u00dcLKEM\u0130ZDE H\u00c2L\u00c2 S\u0130GORTA SEKT\u00d6R\u00dcN\u00dcN \u00d6NEM\u0130N\u0130N VE S\u0130GORTA \u00dcR\u00dcNLER\u0130N\u0130N YETER\u0130NCE B\u0130L\u0130NMED\u0130\u011e\u0130NE \u0130\u015eARET ETMEKTED\u0130R\u201d DED\u0130.<\/p>\n","protected":false},"author":1,"featured_media":163626,"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_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":[19],"tags":[38746,3414,38745,878,3510,23320,26311],"class_list":["post-163625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-batmasini","tag-bazi","tag-durumlarda","tag-kar","tag-kaybi","tag-onluyor","tag-sirketlerin"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/05\/kar-kaybi-bazi-durumlarda-sirketlerin-batmasini-onluyor_f58ab0d.jpg?fit=667%2C1000","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-Gz7","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/163625","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=163625"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/163625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/163626"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=163625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=163625"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=163625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}