International credit bureaux in Ukraine.
To protect customers from bad insurers decided to set up the Ukrainian Mission International Bureau of Credit Histories, and the League of Insurance Organizations of Ukraine (LSOU) has announced the establishment of the fight against insurance fraud. Now, a crowd of foreign and domestic detectives will collect information about unreliable customers and share it with insurance companies, and those will be "pounding" customers in law enforcement. Pending raids try to understand who owes what to whom.
On foreign estimated 10??? 15% of payments insurance companies lose because of the activities of fraudsters. These include fraud by both clients and staff from the companies. Ie the share of customers account for only part of those losses. It is believed that this share is within 2??? 3%. What is happening in Ukraine? The LSOU domestic insurance companies lose from the fraud about 10% of premiums collected, and some of the
losses reach 25%. Estimates LSOU was highly questionable for the following reasons.
1. Average insurance premiums in Ukraine (the ratio between the numbers and the bonus) is approximately 10%. That figure roughly coincides with the figures of losses from fraud, which led LSOU. Based on these figures overlap, it seems that every second customer Ukrainian insurance companies is a fraud. The absurdity of such a withdrawal, as well as the numbers LSOU is obvious.
2. Unlike practice, LSOU as a base for some reason has not sum payments and premiums, which in Ukraine, unlike abroad 10 times higher than the amount paid. The way an ordinary LSOU perceived increased incidence of fraud in Ukraine 10 times compared to abroad. From LSOU logic, it turns out that in the developed countries, where insurance companies are paying much more loyal than ours, the incidence of fraud is not above, as might be expected, and 10 times lower than that for us. This conclusion contradicts logic.
3. LSOU supposedly based on statistical data. But where they can take? Indeed, in Ukraine there are no insurance statistics! Neither the Financial Services Commission nor the Bureau of Motor and in the LSOU full statistics can be, in principle, because it brings only a quarter of the 430 operating in Ukraine insurance companies and 75% of the companies it is not accountable. This result shows that LSOU information on the extent of fraud customers no more than another myth. In this regard, recall that in a public-relations campaign in advance "avtograzhdanki" President Alexander LSOU Filonyuk "erred" in the forecast losses for this type of insurance 15 times (Article Europe zazhdalas ", the newspaper" Zerkalo week, "22.07.06g.) , And now at 10.
To be continued.
June 16th, 2007 at 20:16
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